BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The USAA SAVINGS BANK is willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove this charge off account immediately. USAA SVG BK XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, an update to my Consumer Report was made as of XXXX XXXX XXXX. This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XX/XX/XXXX when I made my first complaint to the CFPB about this account Complaint ID : XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.

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 2024-01-18
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XX/XX/XXXX i made a payment. Payment was reverse. I made a payment on XX/XX/XXXX to correct the payment that was reverse. Creditor still reported payment late on my credit report. 

These four dates are showing late on my credit report. I did a payment arrangement with creditor they fail to let me know that the arrangement was going to affect my credit report. I paid each month that creditor and I agreed on. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/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 explanation
Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Wells Fargo is accusing me of XXXX. My aunt gave me checks to deposit and they say her signature is XXXX Shes been writing me checks for years. My aunt is a customer for well over 50 years. She spoke to her personal banker and told her theyre legitimate checks. Bank lied to me and said XXXXXXXX was not mentioned. I have the banks letter using that very word. The funds are to assist me to assist my aunt. Theyre defaming me and causing distress to her and me. Theyre causing extreme hardship at best.

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 2024-01-18
Company: MIDFIRST BANK
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Vio bank suddenly froze all my accounts today and now I have no ability to login or access my funds

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 2024-01-19
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2024, an unauthorized transaction of {$4900.00} was withdrawn from my business checking account. I called the bank to report fraudulent activity and to have the transaction reversed. I was placed on hold for over XXXX minutes and never received a resolution to the fraudulent activity. Now my business account is overdrawn and I am receiving bank fees for every transaction in my business checking account. I have left a voicemail with XXXX XXXX. I have not received a response.

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 2024-01-18
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2024 I received an email from Synchrony Bank that my Lowes Advantage credit card was now going charge a {$1.00} fee to my account for each paper billing statement sent to me starting in XXXX XXXX  To avoid this fee, I had to set up paperless statements. 
I called Synchrony bank to verify that this was true and not a scam email, and they confirmed that it was true. They did give me a paper statement accommodation so that I can continue to get paper statements without the fee, but what about everyone else??!! What about elderly that aren't good with computers or those people with unreliable internet? 

This is not fair to charge the consumer to get a paper statement! I don't feel that I have reliable email to get the notifications of estatements. So many of my emails are caught in the spam filter and put in the junk folder. I would not want to miss paying a bill because I didn't get the email prompt to pay the bill. Further, I hate to click on links in emails because I am worried about spams and fraud. Daily, I get so many emails that are clearly fraudulent wanting me to click on links etc trying to gain access to my computer or whatever. 

I am very hopeful that your agency is able to do something to stop credit card companies from trying to charge customers to get paper statements! The US postal service is far more reliable than internet! With the fees and interest that credit card companies charge for late or missed payments, forcing consumers to only get estatements or pay to get paper statements seems unfair! 

Thank you for your time in reading this.

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 2024-01-20
Company: U.S. BANCORP
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX am writing in regards to inquiries on my credit report that I did not authorize.

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 2024-01-23
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IC SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account claims was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2024-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
contacted transunion to unfreeze my credit several time between XXXX XXXX because the system was not working. I was told that my account would be unfrozen never was 7 months trying to get account unfreeze so i could apply for emergency loans. Attempted to call back XXXX I was able to get account unfrozen I told the representative to leave freez off for two weeks and put it back on after that which never happened. I was getting spam calls junk text messages credit was available to all to see pull. I contacted transunion right away and spoke to representative that was very rude by the way claimed to have frozen my account but later came to find out see never did contact agian spoke and male representative he stated it will be done and take effect right away, because I did not trust it I requested email confirmation. Representative stated he would send it after the call never got a confirmation email, but the issue appear to have been resolved

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 2024-01-30
Company: Key 2 Recovery, Inc.
State: IL
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:
I'm writing to complaint to KEY 2 RECOVERY INC about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: Possible Financial Inc
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15 U.S Code 1666b ( a ) They can not report a late payment as late without first sending me all information required under this law in a statement at least 21 days before the due date. I asked them twice to verify that they sent this information to me which they have yet to verify

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: Higher Education Servicing Corporation, Inc.
State: MA
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:
My information being reported is erroneous and needs to be corrected. I have a lot of my consumer rights violated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Open card but they want send to my po box like All my other cards because I don't get mail here at my house and they said I only have three months to use it all day going to close my account and if they do that it will affect my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20
Company: Park Hill Holdings
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.

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 2024-01-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit 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 am Best buy store credit card holder since long time.

Last year on XXXX I found some fraud activities on this card. Some Phone of worth {$270.00} was purchased. 

I reported the same to Best buy ( card issuer ) and CITI Bank ( card company ) and they asked me to File a case with Police as well which I diid. 
Best buy case : XXXX Police Case : XXXX I have gone to store multiple times to get video footage but they never shared with me. 
Police Officer called me and discussed everything and told me you are the victim and a fraud happened with you. 
I shared all these details to CITI Security team but they sent me letter that they don't see any Fraud happened and you are responsible for the payments. They asked me to provide addtional info to further investigate it. 

I asked CITI back to provide me detail investigation report which they never shared. 
I asked them that IMEI number showing on Receipt can be tracked and that could lead the case which they never went forward.

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 2024-01-24
Company: HOMEOWNERS FINANCIAL GROUP USA
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Our loan officer said he works for us but instead of talking with us he made decisions with the builder and then strong armed us into having to deal with it. They tried to pin us against our realtor and talked bad about them didnt stick to the information we gave when we decided to go with them in XXXX of 2023 and also were very unprofessional and did what was best for the builder. I would not let them use the VA home loan as they were not falling in the guide lines of the VA home loan terms. Very shady.

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 2024-01-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX Wells Fargo transferred servicing of my mortgage twice and then claimed it had " no interest '' in my mortgage. I complained to CPFB at the time that this was an effort by and between Wells Fargo ( a well documented criminal organization ) Loan Servicing and XXXXXXXX XXXX XXXX to steal the equity I had built in the house by falsely claiming I had missed a payment, charging late fees and putting my loan in delinquencey and attempting a foreclosure. They failed but the damage to me was done in that I was charged extra at closing to sell the house based on the criminal falsehood that I had missed a payment ( your file should contain copies of proofs of payment from my bank sent certified to these companies ). So I paid extra ( was robbed ) at closing in XX/XX/2020 and had my credit ruined for like three years. 

Now I have in hand an admission from Wells Fargo in the form of a {$200.00} check ( No. XXXX ) that arrived with no explanation dated XXXX. The memo says cryptically " For XXXX XXXXXXXX ''. Please note " XXXX '' was the street address of the mortgaged property. Why would WF send me a check for {$200.00} some 3 years after it asserts in writing in your files that it " no longer had any interest '' in the mortgage? 

This has to be an admission to some past crime or other violation of my rights I tried to have vindicated back then. I am not accepting {$200.00} is settlement of their violations. Please investigate and advise what this check is supposed to represent. I will hold the check as evidence until my questions are answered ( along with the follow up letter from WF a month later urging me to cash the check. Thank you. 

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 2024-01-29
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I am writing to file a formal complaint against Pentagon Federal Credit Union ( PenFed Credit Union ) for the illegal repossession of my vehicle, a XXXX XXXX XXXX XXXX, VIN # XXXX. This complaint is raised due to a breach of the agreed repossession notice period, unauthorized sharing of my personal information with a third party, and the inability to access essential personal items in my vehicle. 
On XX/XX/XXXX, I received a notification from PenFed Credit Union informing me that my vehicle could be repossessed if payments were not made current within 21 days of receiving the notice, via return receipt XXXX XXXX XXXX XXXX XXXX XXXX. Contrary to this agreement, my vehicle was seized on XX/XX/XXXX, approximately 15 days after the receipt of the notice. This action is a clear breach of the agreement set forth by PenFed Credit Union. 
Additionally, the repossession was executed by an unknown third party, who conducted the seizure on my private property at approximately XXXX XXXX without my express consent. This intrusion not only compromised my safety and privacy but also caused significant distress to my family, especially my children. 
Compounding this issue, I currently have no access to personal items left in the vehicle, which are extremely important and essential to my day-to-day activities. The inability to retrieve these items has added to the inconvenience and distress caused by the repossession. 
The premature repossession of my vehicle has severely disrupted my daily life and hindered my ability to make the necessary payments. This incident has resulted in loss of wages and additional damages that I have affected my ability to take care of my family. This situation has caused undue stress and financial strain, and I believe that PenFed Credit Union 's actions are in violation of the Truth in Lending Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices 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 2024-01-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I see hard inquiries on my account that I never did and I see address on my credit that I never lived at I need these thing to be removed as soon as possible.

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 2024-01-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy ( 15 USC 1681 ( section 6 O 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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

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 2024-01-31
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo has been mailng mediation request forms for several months, I've filled out and returned a total of nine so far. Acknowledgement letters are sent, provided tracking numbers including XXXX, XXXX, XXXX is the most recent one dated XXXX When I initially called number on letter XXXX, I was told call will be disconnected, referred to prior mediation, tracking id XXXX, in which case, no payment received from that mediation.. When I called most recently, I was told all mediation efforts have been exhausted ... The call was regarding the last tracking number, XXXX As the CFPB can see, these mediation request forms are a mere run around, future forms will be refused.. I request the CFPB look into this behavior, fine Wells Fargo for opening unauthorized accounts in my name including account ending in XXXX, a checking account and most recently, a Jewelry account, XXXX XXXX XXXXXXXX.

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