BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment is due on the first of each month. On XX/XX/18 according to my phone record, I made my payment at XXXX Eastern time. When I received my next statement I had a late fee of {$27.00}. 

XXXX credit statement does not give clear information on the time phone/internet payments are due. It only states " crediting times vary, but generally must be made before XXXX XXXX   CT to XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet/telephone payment please contact Cardmember Service for times specific to your Account and your payment option. '' However, when you call there are extremely long wait times to speak to a customer service representative. I waited 25 minutes before finally hanging up. After several attempts and further waiting on hold, I was eventually able to speak to someone. The person was extremely rude and kept cutting me off and talking over me. I finally took down his name, which was XXXX, operator # XXXX, and because of his extreme rudeness I requested to speak to a supervisor. He kept demanding to know why I wanted a supervisor and it took a long time with him yelling at me before I finally was put through to a supervisor named XXXX. 

XXXX was slightly better to deal with. He explained that phone payments have to be received by XXXX CT. I explained that according to my records I made my payment at XXXX ET ( XXXX CT. ) He said that their records showed my payment not being made until XXXX ET. I questioned the accuracy of this, but he was determined his records were the correct ones, not mine. He did, however, remove the late fee, but this was a lot of hassle to go through. And, my understanding is that the CARD ACT requires that payments be credited on the day they are received. All of my other credit cards have a cutoff time of XXXX ( in their respective time zone. ) If phone payments are due at XXXX CT, why isn't this stated clearly on the statement? It seems like this system is designed to trip people up so they can collect more late fees. Customer service is poor and it is very difficult to get through to someone.

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 2022-07-16
Company: United Revenue Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have communicated with UNITED REVENUE CORP and XXXX about the fraudulent credit reporting and collection attempts over the course of the last 12 months and UNITED REVENUE CORP has since ceased to report on my credit report but they have not responded to my other demands. I have sent UNITED REVENUE CORP the attachments below via mail which consists of a notarized affidavit of truth, a notarized demand for verification letter, a notarized cease and desist letter, an ID Theft/FTC report XXXX Exhibits showing the violations compiled of the fraudulent mail URC sent me, and an invoice requesting remedy for violation of federally protected consumer rights under 15 US Code 1692k. These attachments should be more than enough to incriminate UNITED REVENUE CORP and I'm attempting to settle before this has to escalate to a civil or criminal process. Not responding to an affidavit of truth by default stands as truth in a court of law. I have also sent a notice of default and opportunity to cure. 

UNITED REVENUE CORP and XXXX has limited me from being able to buy a house, vehicle, and to extend credit. I suffered financial harm and harassment from them for the duration of a year. 

Per 15 U.S. Code 1692 - Congressional findings and declaration of purpose - UNITED REVENUE CORP has engaged in and practiced abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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: Information belongs to someone else

Complaint:
XXXX, XXXX, and TRANSUNION. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are 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. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. XXXX XXXXhas violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation

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 2022-07-16
Company: CNG HOLDINGS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. XXXX XXXX XXXX added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2022-07-16
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was notified by Serve due to activity on y account alerted by a fraudster call to initiate the locking me out of my account in an attempt to take over my debit card. After loosing first the access to the emai on file ti the account and after I called Serve to update the account I discovered the card was deactivated and in processing to be reissued, although much of my personal information was listed as old contact in which is similar to the the sctions of the persons responsible for my recent attack, theft of property, and continuous theft and fradulent use of my banking information, phone data, and consumer profiles as well as email accounts and personal stalking. Two of the three suspects were paced in custody and one is at large which is likely the driving force behind these recent transactions.Tonight I noticed the two now released individuals on several occassions at and around my complex which has been the case since one was released and other has remained at larged ; with ongoing attempts at interference with my accounts through what I was abile to notice as phishing through inbound emails, calls, bluetooth activation, and the pursuit of unknown methods through common apps I was advised to get a new device although when doing so Access to important emails and other account remained inaccessible such as my main email and bank account which I was only able to accessat about XXXX AM XX/XX/XXXX. XX/XX/XXXX XXXX with 1 pending transactions I am noticing 15 unauthorized amounts that are transactions totalling nearly {$720.00}. i have made nearly 23 reports for this activity and charges has been filed, but This is a case of stalking and the theft is a mere agitation being pursued to impose more mental anguish. My banking institute fail to acknowedge me as such, a victim of unforeseen circumstances and the loss of monthly benefits has become the causation of hardship in need of mediation to resolve, replace, and contemporary aid me in the recouping of funds as I just today have converted my banking to a more secure and mainstream institution, but I am demading the funds be provided with any unneccessary delay due to no fault oc my own and the acount remain accessible during with time for the immediate and full withdrawal of these funds. Report was made on XX/XX/XXXX to one other federal regulatory agency in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a phone call from Comenity Bank in regards to Wayfair. I do not have an account to my knowledge with Wayfair nor have I ever ordered anything from Wayfair. This was not the first phone call that I received from this bank. It is at the point of harrassment. XXXX XXXX stated well maybe we are looking for a different XXXX XXXX. I will not identify myself on the phone because they will not have me recorded as saying the word yes. the phone number that I am left to call is XXXX ext. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: VW Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to submit a complaint regarding inaccurate reporting on my credit report from Volkswagen Credit. This debt is a result of identity theft. This debt on my credit has been an extreme burden and has caused a lot of stress in my life and mental health. 

I first noticed this debt on my credit in XX/XX/XXXX XXXX 

Nature of Identity Theft : Opened an auto lease/ loan an in my name without my knowledge or consent. 

I first became aware of this identity theft issue when I noticed the debt of {$17000.00} form Volkswagen on my credit report. I then Immediately upon discovering this discrepancy took the following actions : Contacted Volkswagen : I have sent multiple letters explaining that I was a victim of identity theft and requesting evidence of any contractual agreement or documentation related to this alleged debt. Unfortunately, despite my earnest attempts, Volkswagen has failed to provide any proof of such an agreement. 

Disputed with Credit Bureaus : I promptly contacted XXXX, XXXX, and XXXX to dispute the fraudulent collection account. XXXX and XXXX have taken the appropriate steps to remove the inaccurate information from my credit report. However, XXXX has not yet rectified the issue, and the collection account continues to impact my credit score adversely.

I have filed a Police Report : In light of the identity theft incident, I filed a police report with my local law enforcement agency, and I have attached a copy of the report for your reference. 

Identity Theft Affidavit : I also completed the Identity Theft Affidavit provided by the Federal Trade Commission ( FTC ), which is enclosed herewith. 

Despite these actions, the debt from VW Credit continues to linger on my XXXX credit report, casting a shadow on my financial reputation and hindering my ability to access credit and other essential services. I have followed all necessary steps to demonstrate that this debt is not mine and that I am a victim of identity theft, but my efforts have yet to yield a satisfactory resolution. 

Request for Intervention : In light of the circumstances mentioned above, I request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Volkswagen Credit for their unjust reporting of the collection account on my credit report. Additionally, I kindly request your assistance in ensuring the immediate removal of the auto debt from my XXXX credit report, which will restore the accuracy and integrity of my credit history. 

Enclosures : Copy of Police Report Identity Theft Affidavit I look forward to a prompt response and resolution to this distressing matter. Thank you for your attention to this serious issue and for advocating for consumers like myself who have been victims of identity theft and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX    XXXX    XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  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 non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  XXXX Amount : {$800.00} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off 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 non-monetary relief
Consumer complaint received 2015-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
banking promotion is not applied although all conditions met, incorrect information relayed through secured messaging. At times I 'm referred to their internal marketing area? not sure why I need to contact them. Requested escalation and referred that I visit the local branch which is not convenient to visit -I commute for work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently checked my credit report and noticed these accounts that do not belong to me. 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 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is 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 2023-12-22
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Company keeps giving I a void form. Than Company refused to enter name correctly. Company entered an invalid name in credit application. Company does not have option online to update name information where there is an error on display. Company abbreviated name against English language rules. company is mailing denial letter to home address which is intimidating to XXXX I asked for online support and they referenced me to fill another non english rule form that is void by the states federal holiday XXXX XXXX  given name. I request staff to follow english rule and enter name correct as written on ID. I keep getting XXXX forms or the staff keeps converting name into XXXX from XXXX. Than Staff also stealing US citizens creed units victory always and trying to apply from XXXX to XXXX to result in abbreviating name. It's every man for their self.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this follow-up complaint exclusively to your organization to express my concern regarding the absence of any resolution from your end regarding the incorrect, unverified, and misleading information present on my credit report. I am becoming increasingly worried that this situation will negatively impact my reputation as a consumer, potentially affecting my ability to secure future loans and credits. 


XXXX XXXX -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief