BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted USAA over 40 times regarding a dispute. I asked to appeal this dispute with my credit card after speaking with XXXX. I uploaded an exhorbitant amount of documentation. The CEO office said XXXX, I never called in XXXX to dispute the transaction. I told her I will put my hand on my son 's life that I most certainly disputed it in a timely manner. USAA refused to investigate. Now, they made a barrage of XXXX excuses to appeal. I was told by XXXX in the CEO office she was reaching out to a analysts to call me. This was another blatant lie. She lied about me never calling in. She leaves a voicemail that states I did dispute it but now the time frame is out. All of it is the most extreme case of incompetent XXXX bankers I have ever done business with in my life. I filed one complaint already and this is for refusing to follow up and appeal it after making a incident report with XXXX and uploading documents all month long to their commands. If in fact the debit was out of the time just say so from the jump! No, because it wasn't, this is just another narcissistic evil XXXX move.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: ID Analytics, 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:
SAGESTREAM has assumed a vital role in assembling and evaluating my consumer credit report which has led to several adverse actions.

SAGESTREAM is in violation of my right to privacy in accordance with 15 U.S.Code 1692 ( a ).

SAGESTREAM is in violation of 16 CFR Part 603.2 ( a ) by using my personal identifying information without my authority.

SAGESTREAM is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. If anyone verified information on my credit report without my expressed written consent, they have violated my rights and have committed fraud under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Notice, it is a fact, SAGESTREAM is in violation of 15 U.S.C. 1681 ( b ) under Permissible Purpose, which states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby demand under written instructions, that SAGESTREAM perform the following : Consumers direction, SAGESTREAM 'S direct affiliation with the furnishing my personal identification information without my written consent or, giving me the opportunity to opt-out of such information being furnished to conspire to injure or oppress my free exercise or enjoyment of any right, ( denying me of my personal, family, living, and household expenses ) is in direct violation of 18 U.S. Code 241 Conspiracy against rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received a promotional offer for a {$75.00} off coupon on a purchase of {$500.00} or more. On the same offer it also states " available every day '' no interest if paid in full with 6 months. No where does it state an " either or '' on the coupon. Called and of course got transferred a few times and was also told to call another number, didn't matter nothing got resolved to my satisfaction. In fact, one representative put me on hold for some time, assuming he was talking with his supervisor and when he got back on the line, I was told the it's the customer responsibility to look for the word " AND '' in these types of promos. If the word and is not stated, that I should assume it's and either or promotion. 

I would also like to state that I have take advantage of these types of Home Depot offers in the past and they previously stated an either or option and now they don't. 

I clearly think this is a UDAAP 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 2019-06-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Dear CFPB : I am writing to complain about EQUIFAX 's failure to resolve a simple dispute about XXXX account. Dispute resolution does not mean contacting the offending party and wholeheartedly concluding their erroneous position prevails over reason and rationality. This is what EQUIFAX 's dispute resolution is all about. All t they do is contact the breaching party that is responsible for the mischief, and upon hearing from them, take their position as sacred and conclusive. There is nothing conclusory or sacred about misrepresentation. Evidence shows that the other XXXX major credit bureaus, XXXX and XXXX, concluded that XXXX is the breaching party. Both XXXX and XXXX Bureaus have expunged XXXX account more XXXX   months ago because of misrepresentation. There is a reason why XXXX and XXXX have reached such a correct decision to expunge XXXX. EQUIFAX, however, knowingly and purposely tries to evade, deflect, harass and use red herrings in fulfilling its duty under the law to resolve disputes. EQUIFAX is exceedingly stubborn about resolving this issue. It stonewalled and roadblocked every legitimate dispute that I submitted to them. They decided to ignore my CFPB complaint. Their conclusion is nothing short of frivolous assertions of trickery and waste of time. I denounce these games in the strongest terms. In the latest incident, they added more negative information on my credit report. This is unlawful conduct. EQUIFAX has a legal duty to investigate disputes and resolves them before smearing someones reputation Here, EQUIFAX fails to resolve the dispute, which amounts to defamation. EQUIFAX did not do its job in resolving the XXXX listing in line with XXXX and XXXX. I did not ask EQUIFAX a favor. I am asking EQUIFAX to be consistent with XXXX and EXPERIAN. This flaw that my EQUIFAX XXXX Scores to be lower than those of XXXX and XXXX by at least XXXX points. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings. I also call EQUIFAX to be neutral when disputes arise. Do not call XXXX for me and copy their erroneous data supply. You can not be vested heavily in one side of the disputing parties. Neutrality is a paramount requirement for every dispute resolution. This is unacceptable under the United States Commercial, Securities, and Reporting Laws. In conclusion, EQUIFAX is in flagrant violation of the United States Consumer Protection, Fair Competition and Civil Rights Laws. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BARCLAYS BANK DELAWARE
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge of nearly {$3000.00} appeared on my Barclaycard statement, which I received in XXXX but did not immediately review, as I have a XXXX balance with no purchases on this account. In mid XXXX, 2020 I wrote to Barclaycard, at the address provided on my statement, to dispute the listed transaction. To date, the company has not responded, other than to report very negative remarks on my credit report for three successive months, thus causing me to lose more than {$10000.00} in existing credit from a merchant with whom I have had an impeccable A+ relationship for many years. 

I called the company, at the number listed on the my statement, in mid XXXX to inquire about the dispute and negative credit reporting. The customer support person began by explaining that with the recent public health concern they did not have time to investigate disputes. I told this person that the bank still had time to perform all of it's other functions, like reporting false account information to the reporting agencies, and that investigating a dispute was not an activity at risk. I also informed this person that his attempt to hide incompetent or illegal bank activity behind a public health crisis was offensive to me.The customer support person then hung up. I therefore received no useful information based on my phone conversation with the bank 's representative. 

The bank is clearly operating illegally as I timely and correctly delivered my dispute to the appropriate address, made an attempt to follow-up and to date have yet to have the transaction treated as " in dispute ''. All of my existing credit has been taken away due to the false reports that Barclaycard is making 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 monetary relief
Consumer complaint received 2021-10-17
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: Account information incorrect

Complaint:
Re : CFPB No : XXXX XXXX The reply provided by TransUnion is totally unresponsive and unacceptable. 
The basis for my complaint is the conflict of interest inherent in TransUnion permitting false and fraudulent information to be included in my personal credit file, in promotion of their credit repair scam business and extort payment from me of {$19.00} per month for all eternity, to remove the very same false and fraudulent information TransUnion has permitted to be placed there to begin with. 

The fraudulent and false information complained about has not been removed from my credit file and still remains. 

In addition, TransUnion has taken other deliberate steps to financially damage me even further. My complaint for fraudulent information was against TransUnion alone, because there is no fraudulent information on either my XXXX or XXXX credit file absolutely none of any kind. 

In addition, there is fraudulent information on my account which never should have been permitted to at the outset and must be removed.

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 2019-06-24
Company: TRANSUNION INTERMEDIATE 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:
Through out the duration of my loan I made two payments, one approximately on the XX/XX/XXXX and one on the XX/XX/XXXX. In XX/XX/XXXX I began receiving calls from XXXX XXXX XXXX stating that they had not received any of my payments. I explained to them on serveral occasions that I submitted payments. I also requested they document our conversations. In XX/XX/XXXX I noticed they began reporting late payments which was inaccurate. I called them and advised them and still no resolution. I faxed proof of payments and still no resolution. I then reported a discrepancy with the credit bureaus and they declined responsibility after I submitted proof from my back. I called them to question the dispute and they stated they have a section called care team that dealt with the disputes but I was not able to speak to them regarding my dispute. They failed to assume responsibility and have impacted my credit after I have tried to contact them via fax and submitted the proof.

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 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am listed as a potential victim of Equifax 's security breach which was reported yesterday, along with 209,000 other Americans. This breach, and Equifax 's response, are unacceptable. They did not even notify potential victims until several months after the breach occurred, and I did n't even know that I was at risk since I had never used Equifax 's services before. Their handling of user data and negligent security practices have destroyed any confidence I had for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX a inquiry dispute letter that I wrote to TransUnion ( tracking number XXXX XXXX XXXX XXXX XXXX ) was received by them. In the letter I explained that the following inquiries were not authorized by me. I asked that TransUnion remove the unauthorized inquires from my report and they refused in a letter of response, stating that the only way to remove inquiries are if the inquiries are not authorized ... ... .My letter clearly states that they were NOT authorized. Inquiries listed below ( please remove inquiries- use the DATE as a reference. 
XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2019-10-09
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made Flagship Credit Acceptance aware many times I had a paycheck garnishment last year and I am in the process of trying to get back on track and pay my bills on time but it takes time. Each month 4 days after my car loans due date I start receive multiple calls a day a minimum of 4 with as many as 7 or 8 a day wanting payment for my car loan. I am not 30 days past due and I have told them I cant make payment arrangements because Im living paycheck to paycheck but I will pay you. These calls start at XXXXXXXX eastern time and they end around XXXX eastern time. They will call from multiple phone numbers throughout the entire day harassing me. The calls only stop once I make a payment arrangement. When you talk to someone they dont find ways to help you they just demand a date for payment and secure a payment method.

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 2020-04-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was put in XXXX XXXX buy XXXX XXXX bank for XXXX XX/XX/XXXX its impossible I live had a fraud alert on my credit since XXXX of XXXX to call me when anything is open in my name I would like this removed I owe nothing to XXXX XXXX my consumer Id with XXXX XXXX is 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 2019-06-24
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked the company to send me a letter to verify my debt and that this was not a scam. I was told if i did not start making payments that i would be sued. I simply want a letter to verify that they control my debt instead of me just giving them my social and/or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, we sold our home that had been financed under an FHA loan serviced by Cardinal Finance. The proceeds from the sale easily covered the remaining balance on the loan, including any remaining interest and PMI costs. Despite this, Cardinal Finance deducted an additional {$95.00} for PMI through XXXX. A Cardinal operator and her supervisor admitted I did not owe the additional PMI, but when I asked to release money they told me to call HUD. I told them they already have paperwork indicating the loan has been satisfied and the additional PMI payment was unnecessary. They would only offer me HUDs toll free number. This is theft and negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
XXXX XXXX viewed my TransUnion credit report on XX/XX/2017 and XX/XX/2017 without my consent or knowledge. 
XXXX XXXX XXXX via XXXX viewed my credit report on XX/XX/2017 without my consent or knowledge. I have contacted them directly and TransUnion disputing these inquiries and they never take any action to investigate or remove these inquiries. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized or at least known about them viewing my consumer report otherwise, I am asking that they remove these inquiries from my TransUnion file.

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 2019-06-24
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have various credit cards serviced by Synchrony Bank, Qcard, PayPal, Wall Mart, Sam 's Club Master card. It took me a while to figure this company out but what they do is " forget '' to send a bill for a month and then in the next billing cycle you have late fees added on, then the next day you get a letter reducing your credit limit. I had been in excellent standing with these credit cards for years until Synchrony bank took over the accounts. There are so many people complaining on XXXX and people I know personally who are having the same issue. Something needs to be done. They also call you 5 times a day and all day Sunday if you " missed '' a payment. I had never missed a payment until these crooks took over. Please look into their practices.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am stating that XXXX, Transunion, XXXX, and XXXX  have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, Transunion, XXXX, and XXXX  are reporting should not be on my consumer report ; pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to Discover through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, Transunion, XXXX, and XXXX  to not only delete any and everything from my consumer report in regard to Discover ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA 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