BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, I found out America First Credit Union was planning to roll out their 'Premium Checking ' feature. Their plan of execution is what I have an issue with. They are automatically enrolling every member 's account, with only an email or a mail notice that looks like junk mail. 

Their explanation of the benefits isn't clear. For example, one part states that, and I'm paraphrasing, {$1500.00} is required to remain on deposit with a couple of other stipulations, and the small fee will be waived. Shortly thereafter, it says that there is a no fee low balance checking, but clearly states that if our balance falls below {$1500.00}, we will be assessed a $ XXXX monthly fee. 

They are offering a basic checking account for free, but we have to notify them that we choose that option. Hold times for the call center is over 30 minutes. It's now been two days since I sent an email to say I want basic checking, and I haven't received confirmation they've received it. We're located in Utah, which has some of the highest rates of Covid-19 in the country, so yes. I could go to a branch, but was it wise of them to roll this out now during the pandemic? I have even taken to social media to ask the questions I have but haven't gotten a response. I'm sure their employees are overwhelmed. 

I fully recognize that a $ XXXX  monthly fee is a small amount. The main issue I have is that this is coming from a credit union, where members are supposed to be able to vote and have a say in the things that happens, but this blindsided everyone I know. Also, I hate the fact that they are enrolling every checking account and expecting people to opt out if they so choose. Rather, this should be an opt in option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a joint account with my mother. One night she had called me upset about money missing out of our account. I had contacted Bank of America in XXXX XXXX and the bank manager had stated that our account was closed. Due to someone in XXXX had tried some fraudulent activity and that they were handling it. A week had gone by and I received a phone call from a Police officer stating she needed to speak to ne about some fraudulent activity in my account. I had gone to my local XXXX branch and asked them what was going on and if I can have any And all paperwork associated with the account and that I wanted ti know what was going on with our funds? They stated I had to call some number and ask them. I had done so and they did not help me. I had read word for word the packet I received when I opened the account. Both the local branch and corporate branch failed to furnish me with my allowable account information or legal help which it states in there Consumer information disclaimer pa ket they would. Give me legal representation. I had lost thousands of dollars paying for lawyers just so I wouldn't go to jail because the. Bank was to lazy to do there job and or return both mine and .my mother 's money. Now they are trying to embezzel {$8900.00} of my money. They will not even talk to Mr they hang up on me. I do not owe them any money they owe me plus for attorney fees and fines and now this check from my mother 's death they are trying to steal that from 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 2022-09-08
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Went into my bank to cash a check. Was informed that ChexSystems was reporting negative information about me to my bank. Chexsystems has no permission from me to report negative or positive information, I never gave consent for Chexsystems to have my information. The alleged debt is 10 years old. My bank is not allowing me to use my account due to the negative report from ChexSystems. The alleged debt is from XX/XX/2012. I never gave consent for my information to be shared, negative or positive. I have no information or account number. I don't consent to extortion.

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 2021-02-09
Company: Experian Information Solutions Inc.
State: NY
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 have disputed a fraudulent XXXX XXXX open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus Experian & XXXX. XXXX has removed the account but Experian & XXXX have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and 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 2020-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
35 years I had trust in USAA The financial advise all set up as a trusted relationship My ex was XXXX XXXX XXXX and back then USAA was trusted NOT TODAY USAA has been fined millions  Please answer USAA, Do fraud claims have claim numbers? Do disputes have claim # s Yes or No?

I have been told Disputes have claim # s fraud does not Please answer USAA, on the FRAUD claim letters attatched. with claim # XXXX IS THIS MY MEMBER NUMBER? Why do MY FRAUDS HAVE CLAIM NUMBERS? Why no resolve? 
Why do the letters decieve saying no further action is needed? PRETENDING TO MEMBERS A STRONG TRUST THEY MUST HAVE IN USAA TO PURSUE THIS FRAUD CLAIM USAA says NO FURTHER ACTION NEEDED BY MEMBER Then turns fraud into duspute. For a year and a half I was decieved into believing USAA WOULD RESOLVE FRAUD. This is an Antitrust Issue of ** NO TRUST. ( USAA NEVER RESOLVED ANY FRAUD I REPORTED AND REPORTED FRAUD I DID NOT REPORT TO CREATE CREDIT REVERSALS ) USAA IS EXTREEMLY DISHONEST FOR EXCESSIVE PROFITS USAA BOASTS IN ZERO FRAUD LIABILITY and they provide No Protection for Frauds LEAVING CONSUMERS WITH MORE FRAUD LIABILITY ALL MERCHANT CREDITS AND ALL ADJUSTMENT PURCHASES turn into New Purchases a year later ADDING MORE FRAUD TO ACCOUNT I DID NOT PURCHASE USAA has changed all my fraud I REPORT into disputes and put fraud investigation adjustments I DID NOT report fraud Because Merchant credited the account. Adjustment Purchases do not apply as Permanet credits however, USAA CAN CLAIM TWO CREDITS for a credit reversals Please answer USAA HOW CAN YOU PUT CREDIT REVERSAL/ NEW PURCHASES ON ACCOUNT WHEN USAA CLAIMS NO FRAUD EVER OCCURRED? 
Temporary credits/ Adjustment Purchases MUST BE MADE PERMANET TO APPLY USAA PROFITS FROM FRAUD with Credit Reversals Informing consumer NO FURTHER ACTION IS REQUIRED They never credit usaa credits to cover frauds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Exeter Finance Corp.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to file an irregularity complaint about a report to the credit bureau on a collection account from the company called Exeter Finance LLC. This contract between this company and the original owner XXXX XXXX started on XX/XX/XXXX, with account number : XXXX, on a XXXX brand car, model ; XXXX, XXXX XXXX. From that date, the vehicle was paid regularly for two years but in XXXX XXXX XXXX XXXX, the place where she worked was closed and it was very difficult for her to get a job to be able to pay her obligations or commercial commitments and she began to fall behind with it and then came the Corona virus19 Pandemic, this does not justify the delay in your payments but this vehicle described above was recovered ( through repo cars ) by Exeter Finance LLC and we are sure it was sold to another client. The collection agency is XXXX XXXX XXXX XXXX, file # XXXX. Our question is ; is this legal? 
XXXX XXXX and XXXX XXXX XXXX XXXX ( Co-signer )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Reporting company used your report improperly

Complaint:
To whom it may concern, This serves as written notice that I have rights under 15 USC 1681.

15 USC 1681 section 604A section 2 states A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

My consumer rights have been violated Numerous times and dismissed despite prior written request to update records. 

On XX/XX/2022 certified letters were sent to XXXX, XXXX and Transunion to update my personal information which was not done. Also on the same date I requested the following accounts 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 non-monetary relief
Consumer complaint received 2023-10-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal loan disbursement is being held up as pending with Heartland ECIS although XXXX XXXX  deposited the money at XXXX XXXX  on XXXX XXXX XXXX My disbursement is held as pending over the weekend. This is money I have taken a loan out for yet I am not given access to. This is a scheme by the University and by the third party loan handler Heartland ESCI. My excess money is being held until the very last minute on XXXX th day to be disbursed and I am not given access to the money until XXXX or more days. Heartland claims to give access to funds the same day as long as deposit is before XXXX pm yet once the funds are released from XXXX XXXX, heartland ECIS claims XXXX Hasn't released the money to them. I called XXXX XXXX  to see if I have a pending deposit and the answer was no. Heartland ESCi claims once XXXX releases the money than it will go directly into direct deposit account. XXXX claims the money was release on the XXXX. Now it's the week end so my money is just sitting with Heartland claiming to be pending because XXXX has not released the money. So who is at fault? If XXXX university hasn't not released my money, are they in violation for not releasing the money in XXXX  days after being paid with my federal loans? This is every disbursement. I am always being held up over the weekend paying interest on money that I can't have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023. I cancelled my subscription to XXXX which was in the amount of XXXX  On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been charged XXXX and I should not have been charged. I have sent Chase Bank proof of the cancellation and they told me I have to resolve this with the merchant and the merchant is refusing to contact me. It's not fair that I have to pay for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Attorney XXXX XXXX XXXX filed XX/XX/XXXX on all our documents to Movement Mortage when our closing date was XX/XX/XXXX. Escrow storage on our property started in XX/XX/XXXX. Attempt several calls to the reached attorney to explain why Movement Mortage has a homeowner account dated XX/XX/XXXX. On our closing date, we sign documents dated XX/XX/XXXX, I didn't question it because he was representing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Comenity bank keeps lowering my credit limit on my XXXX XXXX  account. I have been on time and current with my payments. I just made a {$160.00} payment for my recent payment. They have taken my available credit that I haven't used. My current credit limit is {$1600.00}. I had over {$500.00} of available credit when they lowered it to {$1700.00} a few months ago. I was saving my available credit & every time I think things are stable they lower my credit limit again. Don't they know when they lower my credit limit this also affects my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: ID
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:
Equifax did not take proper precautions to secure my credit file in the event of a security breach. A security breach occurred on XXXX XXXX, XXXX and the public was not informed until XXXX XXXX, XXXX. Equifax needs to be punished for their clear negligence in keeping these records safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I told company I did not have vehicle and my ex-wife has the vehicle in Texas somewhere and thst info was given to carmax and they still had sheriffs showing up at my house looking for vehicle which a couple times my garage had be lifted somehow with me being home which has to be a breach of my property and invading my home when Im not home. This has happened numerous of times. Also a towing truck company contacted me looking for vehicle and left courtesy cards on my door when I have explained thst that vehicle was not in my possession..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have taken a mortgage from HSBC Bank USA to finance aquisition of Apartment in XXXX, i had to come to XXXX and want to sublease the apartment, according to mortgage agreement i need to seek HSBC banks approval to sublet and as per agreement such permission will not be unduly with held, despite my repeated written requests and several phone calls from XXXX to seek this approval HSBC has not granted this approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Sunlight Financial LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for the loan with Sunlight Financial for XXXX project. the negotiated price was XXXX. When the documents arrived i saw XXXX as a loan amount. The salesman said it is the interest on the loan added to the project cost. Later i find out that this is a hidden dealer fee charged to the project so Sunlight Financial does not have to disclose in the APR calculations. XXXX  contractor claims he only received XXXX from Sunlight Financial. Several time i have asked Sunlight Financial to provide the proof of payments paid from my loan on my project to the contractor. Sunlight Financial of course refused to provide that information. To my it looks that it is a violation of truth in Lending act, where the lender is not disclosing the broker fee of 30 % Sunlight Financial is charging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Daily for the past week calls between XXXX EST. Since XX/XX/2023. Even on the weekends. Then calls every hour during the week. Sometimes one after the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: LEXISNEXIS
State: TX
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:
LexisNexis you are officially ordered to to cease desist any and all consumer information about my self to any one or company that includes XXXX, XXXX, XXXX any consumer reporting agencies I never gave any approval to make my consumer report public. my right to privacy is being violated by you I ask that the CFPB step in on this matter enclosed are USC codes that you are violating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to open a dispute for 3 transations that the merchant never sent the purchases trough the online banking, but the system is not allowing to do that. Also I tried to call the customer service trough XXXX because right now Im abroad and there is a record voice saying that " my call cant be connected ''. 

Transaction 1 : Posted on XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX, must be delivered on XX/XX/XXXX. 
Transaction 2 : Posted on XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX, must be delivered on XX/XX/XXXX. 
Transaction 3 : Posted on XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, must be delivered on XX/XX/XXXX. 

This were transactions made face to face in the shop, but they gave more than one month for the delivery, because they dont have any stock on the shop. 
I tried to reach them asking the situation about the purchases adn they never answer the emails and phone calls, and the store looks like is closed.

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 2023-10-14
Company: Collections Acquisition Company, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i sent a debt validation letter on XX/XX/2023 requesting validation under the fair debt collection practices act, 15 USC 1692g.the company has failed to validate this request within the 30 days. so i got there phone number and called to talk to them and i was told that they are not required to answer the validation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 a fraudulent transaction was posted on my credit card for {$140.00}. I did not make this transaction and my email and address information has been changed so I never received a statement. When I found out on XX/XX/2021 because I saw that my credit dropped and saw what card was impacting me. I reached out and filed a dispute and updated my information. On XX/XX/2021 a letter was issue to me from card member service saying their research was completed that the claim I issued has been credited back to me and it was final. I received two late payments on my credit which had impacted my credit score but needs to be remove because it was a fraudulent transaction that took place on that credit card.

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