BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
USAA bank offers fixed rate CDs. When I purchased my CD, I was told by the representative that I could speak to the service department and have the CD changed so that it would not automatically renew. When I contacted the service department on XX/XX/2023, they indicated that I could not change the CD to not automatically renew until the 10-day grace period. Additionally, documents on their website at https : //www.usaa.com/inet/wc/advice-finances-everything-to-know-about-cds say the following : " When your CD matures, or the term ends, you receive your deposited money plus the interest you earned along the wayunless you decide to renew the CD for another term. You also have the option of reinvesting your money into a new CD with a different term. '' This is apparently false, instead it should read : When your CD matures, or the term ends, you WIL NOT receive your deposited money plus the interest you earned along the wayunless you decide to NOT renew the CD for another term. Your CD WILL BE AUTOMATICALLY SET UP TO REINVEST your money into a new CD with a different term. IF YOU CHOOSE NOT TO REINVEST, YOU MUST LET USAA KNOW WITHIN THE 10-DAY GRACE PERIOD PRIOR TO THE RENEWAL DATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-10-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian recommends credit cards that have exorbitant fees and interest rates, under the guise of " improving credit scores '' by " increasing the amount of available credit. '' This gimmick is then marketed to desperate consumers who then find themselves trapped with a card with low credit limits and fees of at least {$100.00} annually, service charges, 29 % + in interest. One such company XXXX XXXX XXXX offers such a card with high fees, and upon a consumer 's request for an increase- they are reminded of the 20 % fee per {$100.00} in additional credit before routinely denying requests. Although consumers make timely payments, they will never maintain the 70/30 recommended credit use ratio- because the fees and interest usually account for 30percent usage alone.

Experian needs to stop recommending rip-off credit cards, and XXXX XXXX XXXX no longer needs to provide such a deceptive credit product. Consumers credit scores will moreover never increase, and will spend large amounts in fees, interest, and random charges by compaines they trusted because EXPERIAN recommended them.

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 2023-03-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company can not validate this debt owed. They failed to tell me what items I purchased or services that were given to substantiate that I owe any amount. 
( XXXX ) I did not authorize them to have any medical records regarding my visits and treatments including hospital bills without having my consent. This violates Hippa which protects us with this method of privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: MO
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:
I'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Debt # 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 2023-04-11
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: Investigation took more than 30 days

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ).

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX, But bureau reported that I have many addresses like XXXX, CA XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, 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 2023-03-18
Company: Nelnet, Inc.
State: OH
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:
My mother, XXXX XXXX XXXX, took out student loans in my name without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.

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 2023-06-20
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over 7 years old. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from 2014 and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have Business checking account with Wells Fargo. I have no idea what is direct pay and why I am being charged {$10.00} for this fees every month. 
I got one email ( XX/XX/2019 ) about this charge and i remember long time back i told them not to have it on my account. 
I sent them one email right back that take back that charge from my account and i don't this service and please don't throw your services to me unless i ask for it. 

No response from Wells Fargo Then i called upon on XXXX XX/XX/2019 at around XXXX XXXX  central time. ( XXXX ). 20 minutes of hold time and then a human being. Wells Fargo has put a real buggy and useless auto bot ( IVR which collects all the information and good for nothing-i dont want it at all ). Then talked to a male. That guy was totally clueless and have no idea what he is talking about - simple waste of time ... then making excuses can't understand me when i ask him to do some real job. He has no idea about this and wasted another 10 minutes.

Finally he transferred my call to online banking..which stated another 25 minutes of hold time. 

Wells should hire smart and talented people and should know what they are doing. 
They should not waste customer 's time.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I sent in dispute letters to all three credit reporting companies, TransUnion, XXXX, and XXXX. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.

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 2022-12-24
Company: EQUIFAX, INC.
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: JPMORGAN CHASE & CO.
State: OH
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:
I got an email informing me I had a hard inquiry on my credit from JPMCB - CARD SERVICE yesterday. I have never, ever applied for any XXXX from this company. I want this taken off my credit history immediately and those responsible put onto the gurney for lethal Anyway, I am not happy. I appreciate your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
******* ( NEW INFORMATION FORMER COMPLAINT # XXXX ) ********** We received a call from our attorney yesterday XX/XX/2019 informing us that the bank have closed the XXXX  ( Short Sale ), she said the bank claimed that they did not received any do documents after XX/XX/2019. We retained the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ). The law firm worked diligently with us to put together all the requested documents. which they submitted to the bank thru the XXXX  website, all this was submission was done to the bank in the month of XXXX. They claim that the bank is saying is false it is the same tactics that they use when the court order mediation. After we submitted all the paper work they claim to the court that they never received paper work. The true is that the bank have compounded interest on top of the original loan of {$410000.00}. The bank claim that the loan amount is now {$980000.00}. Prudent mind can see that the goal is the bank is to foreclose on the loan, so that they can write off {>= $1,000,000} as a business loss. We do not want to lose our house, so we did an appraisal and the fair market price came out to {$220000.00}. Our goal is that the bank give us a modification on the fair market price. We also have a offer on the house of {$180000.00} which we are trying to do a short sale. We appeal to your office to please consider this case on it merit. This loan is a predatory loan non comforming loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: PA
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:
CitiCards upheld a request to chargeback a fraudulent transaction made to my card by XXXX. Citi closed the " case '' saying in a recorded call that the date of my cancellation of XXXXXXXX  service was never communicated - despite my telling them " XX/XX/XXXX '' several times. I allege Citi did not properly follow chargeback norms, and failed in its duties, and is still charging me the charge. There is also the matter of XXXX  tself, and its absolutely failure to communicate back with me, as well as several misstatements that company has made ( they provide services to those submitting expense reports, and their business tanked during COVID, thus they are " grabbing '' revenue ). In fact - Citi is in possession of an email FROM XXXX  saying if I would withdraw the chargeback, they would refund me the money - and STILL no refund. Citi is complicit in its behavior to this fraud.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: MA
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:
Experian has a collection account that reporting inaccurately on my report they are the only credit bureau listing this account which is inaccurate it shows a past due balance on a collection which is against the law the company is XXXX XXXX bank the account number XXXX this account should not be reporting in credit and I would like it removed immensely Experian report should match the reports of XXXX and XXXX they are the only bureau reporting account and its inaccurate and I want removed asap I attached proof showing only Experian reporting this collection

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 2019-12-07
Company: EQUIFAX, INC.
State: MI
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:
checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX/XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX Automotive Finance XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with BBVA Compass on XX/XX/2018 with the offer Get {$200.00} when you open a new qualifying checking account and receive a qualifying direct deposit of at least {$500.00} within the first 60 days of account opening. I have regular direct deposit of {$500.00} and the first direct deposit was within 60 days of account opening. However, the bonus was never posted. For the past month, I called them twice. Both times the agent told me I was qualified and promised the bonus should be posted soon and will have their manager call me back within 24-48 hours. But the bonus was never posted and I never receive any call from them. I never met such bad customer service with any other bank. Every call wasted me more than half an hour waiting to be connected and then waiting the agent to verify. They gave promise which they never fulfill!

Company response to consumer: Closed with monetary relief