BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-11
Company: BlueChip Financial
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company repeatedly called my employer. Today XX/XX/20 I got a note from my employer and was told that XXXX XXXX was very rude and told them that it was a legal matter and I could be going to court. I called them back at XXXX and asked who this was for. Spotloan. And he stated that I was going to be persuaded for theft by taking. I tried to tell him if I allegedly owed this loan, what's this about. He said a settlement or face going to court. That they were calling for XXXX XXXX to try to come to an agreement. And asked what I could offer on a XXXX dollar bill. I said XXXX. He said let me check. Then this supervisor came on with this I don't care what you do either pay or go to court. I ended up agreeing to make payments and they made me attach a card number saying that if I didn't the offer would be void. I had told them I never received correspondence from spotloan and they said that's impossible and then told me it was in collection and I may have ignored it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft due to a XXXX  credit beech. On XX/XX/2020 I submitted required identity theft documentation to XXXX XXXX XXXX account # XXXX. They continue to report this fraudulent account .Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00}. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3000.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1800.00}. The original creditor is XXXX XXXX XXXX  XXXX. 

XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 

XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 

XXXX XXXX XXXX Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I could not apply for a home loan because of the negative items I have on 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 2019-12-16
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have two business checking accounts, a business line of credit and business credit cards as well as a merchant account through BB & T. With my business checking account I have an overdraft protection set up to pull funds from my business credit card account and add them to my checking account to avoid any fees associated with any overdrafts. Well this has not been the case. I have been being charged overdraft fees for years on my account. I have contacted many different representatives about this issue in person as well as on the phone. Each time all I get is we will look into it. It will take a while if it has been a few years of charges. NO ONE has ever gotten back with me about these charges. I am being charged fees on my c/c as well as my checking account. There is no overdraft if they pull the funds from my credit card account. This is in their overdraft protection services policy. I am a small business owner and these fees are astronomical. No I can understand how they have all of this money to donate. Because they are illegally taking it from their customers. I can't just change banks. Not with all of the lines I have open. This needs to be fixed. I am sure it is not just me having these issues.

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 2020-04-24
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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me.

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 2023-03-21
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I currently have 2 closed credit card accounts with Navy Federal Credit Union that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( XXXX, XXXX, experian ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to Navy Federal Multiple times about having the accounts removed as well as all 3 credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: GA
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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered. 

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate

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 2019-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During XX/XX/2019, I mailed a monthly payment check to USAA Bank towards my USAA RV  loan ( ending in XXXX ). I mailed a personal check on time for the payment amount of {$180.00}. Unfortunately the payment amount was actually {$180.00}. I was inadvertently XXXX cents short on my check. As a result, USAA issued me a 30- day late payment to the three major credit bureaus. After lengthy telephone calls and written requests for forgiveness to USAA representatives, USAA was adamant that the damage that they did to my credit was justified on their part due to my past XXXX  cent payment mistake. 

I was so frustrated with USAA reducing my FICO score over 50 points for a XXXX cent mistake on my part I immediately sold my RV and paid off the USAA RV loan.That was my first step to permanently end my banking relationship with USAA ( I have been associate with USAA since I was XXXX years old. I'm in my XXXX 's now ). 

Only after I filed my original ( first ) complaint during XX/XX/2019 with this Federal agency, which is a consumer protection watchdog over banks, did USAA CEO 's office finally agree to remove the related 30 XXXXday late from my credit history with the 3 major credit reporting agencies. They agreed that their actions against me were frivolous ( USAA 's notification of their 30  day late adverse action reversal/correction on file ). As a result, both XXXX  and XXXX removed the 30 XXXXday late from my credit reports, via USAA 's update to them. However, based on my telephonic discussions with XXXX XXXX, they were allegedly never notified by USAA to remove the 30 XXXXday late payment from my credit history. 

As a result. during XX/XX/2019, I finally place an investigation request with XXXX XXXX to remove USAA 's 30- day late mark on my credit report. The same 30- day late that USAA originally agreed to remove. In response to XXXX XXXXXXXX XXXX investigation, USAA decided to instead reissue their XX/XX/2019 30- day late RV  loan payment to the 3 major credit reporting agencies. 

I can't express enough my frustration with USAA 's unprofessionalism. As a result of USAA 's reissuance of a 30- day late for my frivolous XXXX cent RV loan payment mistake, I have been declined a mortgage refi loan due to XXXX and XXXX reducing my FICO score approximately 50 points ; due to USAA 's 30  day late payment reissuance notification ( My XXXX XXXX score remained the same ). 

To any potential consumers who wants to bank with USAA, I would strongly discourage any banking relationship with USAA ; via my personal adverse experience with them. I have always had positive consumer banking relationships with XXXX XXXX XXXX XXXX and XXXX XXXX. I would instead recommend those two financial institutions for loans

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: SC
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:
This account XXXX XXXX XXXX is reporting to my credit report as Account charged off. {$580.00} written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that i could file this ordinary income.They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.

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 2019-12-16
Company: TCF FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
XXXX ALLOWED TCF BANK LOAN NO.XXXX BE RE-INSERTED 67 TIMES WITH OUT 5 DAY NOTICE TO CONSUMERS BY CHANGING ACCCOUNTYPE ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I lost my debit card to my banking account, on XX/XX/XXXX I had created a dispute for XXXX and was told that only when the transaction is posted to the account may I create a dispute. In XX/XX/XXXX I seen my transaction was posted and was able to create this disputed transaction. On the XXXX business day which was XX/XX/2021 my account was not credited a provisional credit nor have I been contacted by any member of the dispute team. I reached out to live support on XXXX XXXX, and XXXX. Every single time I had been able to make contact with them using there online chat tool I was informed that they have messaged there dispute team members via email and that my credit would be applied by the end of day. Every single chat I requested to speak with a dispute team member directly and was informed that was not possible and would need to wait for an email from them. As of 13 days since my dispute was opened XXXX of which are business days, I have yet to receive a single email from anyone that works for the banking app Current. The toll free number on the back of the card is out of service or not working, and a customer service rep informed me that they are currently not able to take phone calls. This company is a cause for concern and personally is above the laws in there eyes. This is probably the biggest red flag I have ever seen for fraudulent activity from a business. This is the receipt number involved with my dispute, ** XXXX **

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CIBC BANCORP USA INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
CIBC Bank USA Smart Checking Account # XXXX For reasons unknown to me, soon after this account was opened, a restriction was placed on the account, and I lost complete access to my account or the funds in the account. All I have been told is " Your account is under investigation by CIBC and it might take up to 60 days. '' No reason has been provided as to why my funds are being held hostage. 

I hereby demand this account to be closed effective immediately, and a check in the amount of {$12.00} ( balance in the account ) to be sent to my mailing address on file. 

Sincerely, -XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX  XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: BBVA FINANCIAL CORPORATION
State: LA
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:
BBVA decreases my card limit despite me having a great payment history AND paying off large balances in the past. 

Totally unfair and unwarranted! 

Are they mixing things up with my sons credit power? He has the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citibank was offering a Citi Flex-Pay Option on eligible purchases. This included a fixed 5.99 % APR for 24 months on eligible purchases. I recently made a large purchase and wanted to take advantage of this low APR. The purchase was made on XX/XX/2020. On XX/XX/XXXX, I contacted Citibank and was told I needed to wait for my next billing cycle to close to apply this offer. On XXXX, I contacted Citibank again to apply the flex pay option to my purchase. I was told by the customer service associate that this purchase did not qualify. He was unable to tell me why it did not qualify and a supervisor would reach out to me by XX/XX/XXXX to discuss the matter further. Based on the criteria outlined in this offer, the purchase I made qualified for this offer. No one from Citibank reached back out to me. I called Citibank again in the evening of XX/XX/XXXX. Again, I was told this purchase does not qualify and was not given a reason why. I was then transferred to a supervisor. After explaining the situation, the customer service supervisor told me that there is no specific reason as to why this purchase does not qualify. After being put a brief hold, the supervisor told me that Citibank has the right refuse this offer on any purchase it deems not eligible and this purchase fell in that category. After further discussion with supervisor, he confirmed that Citibank will not let me use this promotional flex-pay option on this purchase

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