BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello Consumer Financial Protection Bureau, This complaint is in regards to Consumer Financial Protection Bureau ( CFPB ) Complaint Number XXXX. CFPB, could you contact USAA on my behalf, to USAA President XXXX XXXX to make a one time exception and issue a refund for {$810.00} onto my original payment method based on the following information provided below to support my case : Supporting Evidence : For eight months ( XX/XX/XXXX through XX/XX/XXXX ) I tried to resolve the issue regarding the defective XXXX Front Load Washer I purchased online on the XXXX XXXX website with XXXX XXXX, XXXX Customer Support, and XXXX Authorized Agents/Service Technicians . Unfortunately, CFPB after eight months of trying to resolve the issue with XXXX Customer Support, and their Authorized Agents I tried to resolve the issue with USAA Federal Savings Bank in XX/XX/XXXX. CFPB, I have a harasser and I believe he/she could be at Consumer Financial Protection Bureau to delete my case/complaint. CFPB, could you assign one of your highly trained and skilled employees to resolve my complaint. Again, CFPB could you ensure the CFPB Representative whom is assigned to my case contacts USAA President XXXX XXXX on my behalf, to ask XXXX XXXX to make a one time exception and issue a refund for {$810.00} onto my original payment method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : COMENITYXXXX XXXX Date Opened XXXXXXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Theses companies need to do there due Diligence on how they allow People to Commit fraudulent Crimes using people personal Information. 
because someone got a hold of my personal Information. I am Now a victim of Identity Theft. I Did not give anyone Permission to Open these Accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Equifax Credit Burea is showing that I owe my Credit Card Company ( XXXX ) a balance of {$8500.00}. Credit Card ending in XXXX. This information is incorrect, old and is destroying my current Credit Score. This card was paid in full several months ago, destroyed and I have since been issued another card by XXXX. I notified XXXX concerning Equifax 's Reporting and I was told in writing that XXXX does not control Equifax 's Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PENNYMAC did not communicate well at all regarding my refinance. I was never called to discuss my appraisal, nor was I given a reconsideration when asked for it. I even asked for documentation stating a reconsideration was asked for and was told they did not provide that. My appraisal came in at XXXX less than what homes around me are selling for and my home was built in 2020. The company failed to enlighten as to why that was or work in my favor. The company failed to discuss the actual cost in fees to buy down my rate charging me an obscene amount in points. Without even mentioning it. I would highly advise anyone to use any company other than PENNYMAC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX, XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The mailed statement had the account information on the left side of the page and a misleading statement " Your Payment Is Past Due '' on the right side of the statement. I called them and they said that was just an add. That's very misleading and has likely caused other customers to make additional payments ahead of the regular scheduled payment. This is for a KiaFinance loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests mentioned in the list. I have reported the theft of my identity to the Federal Trade Commission and I have attached the identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: Orion Portfolio Services, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card which I fell behind on around XX/XX/2019 due to a financial hardship. The credit card ended up being closed and sent to collections. I have since paid the credit card off and have attempted to have removed because I was under an impression it was a pay to delete. The account has been paid but it was never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX my account was overdrawn due to two {$2500.00} checks being cashed by someone impersonating my mother who is also listed on my checking account ( total was {$5000.00} ). My mothers purse was stolen on XXXX XX/XX/XXXX which included her ID. My mother reported this to Wells Fargo the same day and had her own account frozen. When I was notified by Wells Fargo that my account was overdrawn I filed a claim that my mothers identity was stolen and that at the time of the check being cashed she was on vacation in XXXX. My claim was denied because Wells Fargo said the signature was similar to my mothers and a ID was used. I have proof that a police report was filed on XXXX XXXX by my mother and also proof that she was not in the XXXX when the check was cashed. Wells Fargo was informed of this and still denied my claim without even verifying my evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts are not authorized and not validated per FCRA and creditors are also aware. these must be removed due to ID theft FTC and ID/address attached : * Account : XXXX XXXX XXXX XXXX  Source of dispute information : accounts * Amount {$600.00} * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX XXXX XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account XXXX XXXX XXXX XXXX XXXX  Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, I cut a check in the amount of {$26000.00} to clear my outstanding balance with citicards. My intent was to make a lump sum payment in full to avoid more charges and fees. Concurrently, I called customer service about {$310.00} for additional interest charges. I explained that both XXXX XXXX and XXXX  XXXX XXXX did not add over-charges so consumers had a choice to pay up, if they so desired. If the majority credit card industry allowed their users to pay off their current bills, Citibank should do the same thing. Unfortunately, the argument went to deaf ears. 

I also reminded them that I had been a royal customer with good standing since XXXX. They refuse my plea so I just walked away from using their charge card with a bitter taste in my mouth since. 

Last month they had their debt collection partner threatened me with legal action with a court order. Reluctantly and under duress, I cut a check for {$310.00} in full payment but they refuse to go away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed an account with XXXX  several times with more then enough documentation to support removal of an account. The account in question is Originally from XXXX  and is now being held by CCS they are located at XXXX XXXX XXXX XXXX, MA XXXX. They have since taken the balance down from {$730.00} to now {$500.00} after my last dispute. So even if that were valid then It should not be in collections or reporting as late at all because they had the wrong amount this entire time and therefore it was wrong to begin with. Unfortunately for XXXX and CCS I have been sent 3 different documents from XXXX stating a {$0.00} balance is owed and the matter closed. Luckily XXXX investigated this and removed it because it is fraudulent. It is still effecting my credit negatively. If a mistake was made by either XXXX or CCS, with all do respect it is not my problem. They emailed and mailed me confirmation of a {$0.00} balance and nothing being owed. Which i will hopefully be able to attach to this complaint as well. This company has over 500 XXXX complaints, this isnt normal. I will be filling a corresponding complaint with the Attorney General 's office as well in their state of Massachusetts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I was out of town for work with no car and I got hungry, so I ordered food from XXXX through XXXX. Upon arrival of the food, I discovered the steak was too raw for me to eat. I was afraid I would get sick if I ate it. I tried at least 5 times to call the restaurant itself and never got through. So, I called Chase to make a claim and they gave me my money back. Yesterday ( XX/XX/XXXX ), I went to get myself something to eat at the end of the day and my card declined. When I went into my Chase account, I discovered that two months later, with no warning or anything, they decided to take all that money back out of my account, leaving me hungry and with only {$1.00} to my name when I should have had {$100.00}. I called them today and talked to the claims department and she told me there was nothing they could do because I didnt return the food. As I said, there was no way for me to because I didnt have transportation and I couldnt get a hold of them. Now I am stuck here with no way to eat and no way to earn money because the only way I was earning money was through XXXX and now I cant even afford one gallon of gas. This is not right. Not right AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In light of the Covid19 crisis under the mandate of NY, my retail business, cards & gifts has been ordered to close the doors to the public as a non-essential business. It has been three weeks today that we have not been allowed to make any walk in sales. In the meantime my credit card holder JP Morgan Chase. has decided, that even though I am currently out of business and not generating any walk in sales to continue to accrue interest. At this rate, with my business closed for the foreseeable future due to the NY mandate, the costs of the accruing interest may be in an insurmountable debt the will put my business with all of it's employees in peril. Even when we are allowed to open our doors again, it may be a long time before retail sales for a card and gift store return to a normal level. We have been in business almost 44 years now and have a perfect record in paying our creditors, our government agencies, our employees and our vendors.Please, please contact JP Morgan Chase to apply pressure to reverse this greedy, unattainable, unforgiving, lack of empathy policy,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: AMCOL Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted on XXXX to make payment on an account. Accepted payment of $ XXXX and I provided them banking information and they accepted the payment. They called back 10-15 minutes later and said they could not accept that amount anymore and I needed to pay {$17000.00}. Debt collector had told me that by paying the $ XXXX it would be removed from my credit. When I called back and spoke to manager she stated they can't accept the $ XXXX anymore and they would not remove it from my credit. I have 3 letters from them stating to pay the {$12000.00}. Transaction ID XXXX. I asked to speak to someone else higher up and she refused. 

They are extorting clients and making false promises. They created a contract by accepting the {$12000.00} and stating it would take care of it and be removed from credit then once I paid the story changed. This company should not be in business. Unfair, unethical, and illegal practices to extort money out of patients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following hard inquiry listed on my Experian credit report is unauthorized and not my hard inquiry : XXXX XXXX XXXX, XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EA Holdings Corp.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX XXXX possess an auto loan through Easy Acceptance. In early XXXX I received a missed payment remark on my credit report from the creditor that caused my score to drop 141 points. I attempted to reach out to the company to get them to remove this remark as I made my payment on time and my account is current. I would like the creditor to remove this missed payment remark and to receive my credit points back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never been late on this account 2019, please provide physical proof of late payment. Also, please provide method of verification. 

XXXX # XXXX This in information is inaccurate Fair Credit Act # 611

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Law Office of Brett M. Borland, P.C.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I have spoken with the supervisor miss XXXX and she said she was taking care of my account and they have not called and told me what my minimum ammount due to pay this account the only thing this guy keeps talking about is there going send papers out and sue me for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In the month of XXXX, I made 2 {$200.00} payments on XX/XX/XXXX and XXXX. On BMO 's website it shows both the payments were received but I was only credited for the {$280.00}. There is no trail of where the money went and it wasn't applied to the loan. Furthermore, the payments are both showing as being made on XX/XX/2023 on BMO 's website which is incorrect. The activity on their end seems suspicious since no one can really tell me where the money went.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation