BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: LDF Holdings, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I needed to borrow {$400.00} to pay my car registration in this state. I was led to believe that the loan would cost me {$130.00} but after signing and funding, I was sent a document stating that I had to pay {$130.00} a month for 10 months. That's over {$1000.00} on a {$400.00} loan. These people are worse than loan sharks and I will not be extorted by these crooks. Unfortunately I took a {$450.00} loan from a legitimate company and the total payback is {$550.00}. Where do these shylocks get off taking such advantage of desperate people in desperate situations. The only money I have is my social security and more expenses come out of that then money I have to cover just day to day living expenses. I already paid them {$130.00} and now I stopped payment for that company with my bank. I will give them {$50.00} a month for 7 months to pay off the balance of {$300.00} and some interest, but that it all I'm willing or able to pay. If that's not good enough, they can sue me and I'll sue them for fraud. Please help me. These people should not be allowed to even be in business, they are crooks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, 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:
XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1800.00} High Balance {$1800.00} Remarks Collection account Creditor Contact Details No contact information has been reported by this creditor. 


all ftc violations and need to be removed as stated : XXXX  XXXX card service XXXX XXXX XXXX  XXXX XXXX  XXXX  auto finance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} USDOEXXXX XXXXXXXX {$4500.00}

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 2020-06-18
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$500.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$390.00} XXXX XXXX {$3500.00} XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVnv funding never sent me a notice of the debt, so my rights were violated because I was not able to send a debt valadation letter also, In Accordance with the fair reporting act, Has violated my Rights under 15 u.s.c 1681 section 602, states I have the right to privacy 15 usc 1681 604 A section 2. states a consumer reporting agency can not furnish a account without my written instructions15 usc 1666b states A creditor may not treat a payment on a credit card account, under A open end consumer credit plan as late under any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Money was taken from my account by XXXX and sent to my boyfriend and when he tried sending it back to me with XXXX, XXXX won't let me enroll to recievce my money my bank or XXXX are not even trying to help fix this problem there is {$600.00} of my money that they have or know where it went too. I have tried with both companies and get no answer or help please help me I don't know where else to go to get help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Subject : Response to US Bank 's Statement Regarding Case # XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to follow up on my earlier complaint regarding US Bank 's failure to honor a promotional offer and the unjustified imposition of service charges. I recently received a response from US Bank ( dated XX/XX/2023 ) regarding CFPB case # XXXX. 

Firstly, US Bank claims that the address provided in my concerns does not match the address they have on file. I would like to clarify that my current address is as stated in my initial complaint. Any discrepancy may be due to the delays and communication difficulties I experienced with US Bank while opening the account. 

The primary issue of contention is the bank 's refusal to honor its promotional offer of a {$500.00} bonus. According to their response, my account balance fell below the {$3000.00} threshold required for the bonus because of a service charge they levied. The charge was for a paper statement fee, which was neither stated in their promotion nor communicated to me at any point during my interactions with them. My understanding of their promotion was clear- XXXX XXXX  monthly service fee. The paper statement fee was an unexpected charge, and it seems that it was deliberately imposed to evade paying the open account bonus. 

Moreover, US Bank 's response suggests that I should have been aware of these additional charges as they are stated in the " Business Pricing Information disclosure. '' I assert that this was not communicated effectively during the account opening process or afterward. This lack of transparency is deeply concerning. 

In light of this, I remain firm in my belief that US Bank 's actions were misleading and in breach of their promotional offer. I am not satisfied with their response, and I continue to seek the CFPB 's assistance in rectifying this situation. I ask for an investigation into these undisclosed service charges and that the bank is directed to honor their original promotional promise of a {$500.00} bonus. 

Thank you once again for your time and attention to this matter. I trust that the CFPB will uphold the interests of consumers like myself in the face of such disappointing business practices. 

Yours sincerely,

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 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. MY XXXX XXXX XXXX ACCOUNT IS REPORTING Multiple time please remove. 

FRAUDULENT ACCOUNT XXXX 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 2023-01-02
Company: Experian Information Solutions Inc.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2020-06-18
Company: Experian Information Solutions Inc.
State: PA
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 am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A  debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$7100.00} XXXX  Account # XXXX Amount {$230.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$590.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: IL
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've been working on getting these accounts off my credit for about two years. None of these accounts are mine. I've never filed XXXX in my life.

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 2021-10-25
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased in XXXX by Specialized Loan Servicing. XXXX XXXX XXXX. XXXX XXXX, Co XXXX In XXXX the company began purchasing two homeowners insurance policies for the same duration of time. Each policy purchased sufficiently covered the financial responsibility for the property, creating a deficit in my escrow account. The company never notified me of this practice or action. The company then escalated my monthly mortgage payment to include the deficit they created! In XX/XX/XXXX I complained in writing, due to their inaction over the past two years! The company then placed a 60 day late payment on my credit report and purchased two homeowners insurance policies again in XXXX of XXXX while still in talks about this complaint, after notifying the mortgage company Not to Renu the current homeowners insurance policiy and providing them with the correct information on the new insurance company to provide payment to, the mortgage company had already paid to renew the policy and never informed me of the situation. Escalation payments were requested from the mortgage company. I paid the escalated request amounts. My monthly statements were often incorrect or lacking pertinent information. 
In XXXX of XXXX the winter storm in Texas caused sever damage to my home. In XXXX of XXXX I mailed the first installment repair check to the mortgage company for endorsement and I never received the check back to begin repairs. My home remains gutted, with no repair work being done because of the mortgage company 's inability to correct the issues of my concern. It will soon be a year that I have been unable to live in my home! 

In XXXX of XXXX the mortgage company 's attorney requested proof of the XXXX and XXXX double payments to the insurance companys, stating their request was to settle this mix up with my account. I complied and no attempt was made to correct my account. Now their story has changed along with the accounting history of my account. 
I began to pay only Principal and Interest in XXXX of XXXX. In XXXX of XXXX I learned that nothing has been corrected and my principal and Interest payments are being applied to the escrow account imaginary arrears. 
All documents have been provided to the mortgage company along with recordings of my conversations with their employees. The only action taken has been a re-creation of the accounting within my account, within their company.

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 2022-08-17
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I believe this is a fraudulent email that I get saying someone made a fraudulent charge to my account of XXXX and they say to call this number : XXXX to straighten this matter out otherwise I will be charged XXXX. Invoice # XXXX. I know this is a fraudulent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I changed my address on file with this lender as I am temporarily living abroad at the moment and it would make it easier for me to receive my mail. Much to my surprise, when attempting to use my card, it got restricted. I attempted to reach out to FNBO twice and I was told everything should be okay and my activity would resume within 2 minutes time. When that did not happen, I contacted again to be told in a derogatory tone that someone living in XXXX ( this was referring to me ) had attempted to call multiple times before about this matter and that my account was still on hold. I would like to add that I passed every single verification question presented to me. 

Much to my surprise, my account has disappeared from my online area and I am being told that a research department needs to review the fact that I have a foreign address. And that I attempted to do a transaction larger than my credit line ( {$3000.00} attempted transaction when my credit line is of {$2800.00} ). For this lender, these are " red flags ''. 

Since opening this card in 2017, I have never been able to get a credit line increase with this lender. I have consistently experienced a discriminatory tone when speaking with FNBO representatives due to my XXXX name. My account is equally frozen or restricted whenever I travel despite maintaining a consistent payment history. 

I do not think this is acceptable and I believe I am facing credit discrimination. 
I have heard the lender make negative comment about my national origin ( XXXX ) and I being refused access to my credit card even though I qualify for it. I have passed every single verification question presented to me and it is my belief that I am being denied access to my credit card account for discrimination reasons.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 explanation
Consumer complaint received 2020-06-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
What happened - I have changed my legal name through court order - On XX/XX/2020 I used my new legal name to enrol and was eligible for US Bank 's " Because you've earned it '' program that required identity and credit worthiness check and provide customers with a high credit score benefits, including no maintenance fee for their Gold checking account - US Bank was also offering a sign-up cash bonus for new checking accounts using a special online code. 
- On the same day, I submitted an application to open a Gold checking account with the sign-up bonus code and using the same personal information vetted earlier. The application was declined due to " problems to verify my identity '' - I then called US Bank and the agent informed me that I should go to a branch to provide more information about my identity so that my application could be approved. 
- On XX/XX/2020 I went to a branch in XXXX XXXX, California. I explained the situation to the bank teller, I provided my driver 's license, social security number and signed court order. The bank teller took copies of all documents and told me that I'd need to return at a later date, since the branch manager was unavailable. 
- Some days later, I received a call from the branch manager asking me to bring original documents to the branch so they could open my account. During my visit, the branch manager mentioned that my online application was declined and I should file a new application. However I would not be eligible for the promotional sign-up bonus. 
- Since I was eligible and wanted the sign-up bonus, the recommendation was to go back home and file another application online. The bank agent at the time suggested filing the application with my former name. 
- On XX/XX/2020 once again, I checked my eligibility for the " Because you've earned it '' program and since I was still eligible, I filed another Gold checking account application. At this round, I used my former name. This time the application went through without a denial. 
- After four days without a response, I called US Bank on multiple occasions and learned that my application was " under review ''. 
- On XX/XX/XXXX, I finally got a denial email stating the bank could not verify my identity and the application was declined.

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 2023-06-09
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: Credit Control, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had a XXXX XXXX bill on my credit for years. I have fought it every time I receive it from a collection agency. This time it is from Credit Control , LLC. I have told them just like all the previous collection companies that I have never had XXXX. I have had XXXX or XXXX since 1998, and they said if I need, they would write a letter stating that! I have even filed a police report like XXXX told me to and sent it to them. Yet it is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Date of credit reports : XX/XX/2022 Date of denial : XX/XX/2022 Amount of Loan : XXXX XXXX Navy Federal Credit Union denied my home loan application based on race, religion, and /or national origin. They claimed to have made that decision based on credit reports. However, I have contacted all three ( XXXX, XXXX, and XXXX ) credit agencies and obtained credit reports. None of them have any factors that adversely affect my application. Loan underwriter and/ or credit report reviewer folks in Navy Federal Credit Union had just made stuff up. I have contacted NFCU multiple times, and they take my information each time and do not do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation