BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act,

15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

ONEMAIN XXXX Balance : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
When shopping for a home mortgage U.S. Bank made multiple promises to us as first time home buyers which made us select them for a loan over XXXX XXXX. These promises included covering 1 % of the mortgage interest rate for the first year, providing a 0.25 % reduction in the mortgage interest rate for having a U.S. Bank platinum account, and submitting the loan through the Illinois Housing Development Authority for the first time home buyer assistance program. The US Bank mortgage officer stated that US Bank is the only bank which can underwrite for the IHDA loan program in the state. None of these ended up being applied to our account. US Bank even failed to submit us to the IHDA first time buyer program.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-02-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
SPOKEN WITH SEVERAL REPS ALERTED NFCU THEFT BEGAN DISPUTED CHARGES FTC LETTERS SUBMITTED POLICE REPORTS FILED XXXX REPORTS SUBMITTED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNTS ) 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 non-monetary relief
Consumer complaint received 2022-11-23
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
US Department of Justice, FDIC, Office of the Inspector General, federal attorney review, Please. This is a complaint about the Consumer Protection Bureau ignoringrequests on Consumer Protection Bureau filings to have appropriate federal attorneylevels review filings since XXXX, 2015. Most especially, the US Bank filings sinceXXXX XXXX, 2015, should be reviewed by the US Inspector General 's Office, as thisOffice addresses fraud, abuse, misuse of banking systems and supplies, federal lawviolations, general misconduct in banking proceedings, etc. It is the appropriatelevel of Legal Review to have the Office of the Inspector General review howCFPB has handled this matter of filings, since XXXX, 2015, with virtually all requesting, in the opening lines, federal attorney and/or federal agency review, bringing andcoordinating all applicable federal agencies mentioned for thorough dispositioning. 

The Consumer Protection Bureau may be obstructing due processes in law, Obstructing justice, not to comply with customer 's requests. Furthermore, CFPBdiscourages further filings in the future, when there are legitimate complaints tobe filed and knowledge is that the CFPB will block the filings from appropriatelevel of federal attorney reviews. The appropriate and accurate description isinvolving a checking account, but all that has been reported involving US Bank, XXXX XXXX XXXX, too complex to categorize, with serious matters intertwined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-11-23
Company: Home Point Financial Corporation
State: OR
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:
I closed a conventional refinance with XXXX XXXX near the beginning of the XXXX. I made a couple payments on time with them. In XXXX of XXXX, they sold the loan to HomePoint Mortgage. HPT sent me a letter with instructions for paying the loan. I immediately logged in to my online banking and edited the monthly auto-pay that had been going to XXXX XXXX  and entered the payment info on the introductory letter. It contained an address in Texas. My bank had already sent the check to XXXX for the XX/XX/XXXX payment when I logged in to change the address and payee. In XXXX I received a notice that my payment had not been received and that it needed resolved. I immediately responded to the agent on the phone and paid the past due amount even though my check had been sent to XXXX  back on XX/XX/XXXX. I asked what the correct address should be, and the agent told me that it should go to an address in Georgia!! I entered this new address into the bank and the rest of the payments have gone on without a hitch. Also, while trying to login, I discovered that XXXX had an old system and a new system. Apparently, this was not just web logins, but also phone numbers and physical mailing addresses. The confusion surrounding which system my loan was hosted in and which address should be correct is the reason that there was any delay in receipt of funds. In spite of this confusion, I have uploaded proof that payments were made in a timely manner. XXXX  is not being honest or fair with their representation of the my credit activity. Their chaos should not reflect poorly on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I have an USBank XXXX XXXX card I opened recently. I keep getting charged late fees even though I pay the balance off early. They state that because I paid early, the payment automatically credits to the prior month and never to the upcoming month. This allows them to charge me a monthly {$27.00} late fee even though I have paid the upcoming monthly due amount early. They say it is my responsibility to withhold payment until some time determined by them to avoid late fees. This policy is designed to allow frequent late fees and to discriminate against the consumer in favor of the bank in a very unfair way. I have never had this issue with any other credit card before, and I plan to pay this off, close it, and never do business with USBank again. In the meantime though I think this company should be investigated and this practice brought to a halt. 

Please note that I paid the balance due on XXXX XXXX and then prepaid more than due on XXXX on XXXX XXXX and then got a late fee on 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 2016-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Over the last 4 years i 've battled with illness and other health issues. I knew someone had used my information to get credit cards and medical stuff but could n't even handle it. This year my health has picked up and I 've been working to clear the fraud off my credit report. For some reason after disputing it 's still there. Theres a medical accounts that keep changing their names and theres nothing I can do. This feel s like my last stop.

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 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed on XXXX trying to buy concert tickets and had done the transaction through XXXX on XX/XX/22. The total amount was {$460.00}. I contacted Bank of America immediately to inform them about the whole situation, and they have collected my information and created a claim in order to retrieve my funds back. However, a few months later on XX/XX/22, they have notified me that they were unable to retrieve my funds back and have closed the case, and they have not asked me any more questions to prove that I have been scammed. I have saved screenshots from my conversation with the scammer, which could be used as proof that I've been scammed.

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 2015-09-19
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with Wells Fargo. Have checking account and personal loan. I asked for extension. Havent paid for 2 months and they take the money out of my account. Claiming I authorized this by telephone with collection agent. Then they change the story to there is a clause in the loan agreement allowing them to go into my checking account and take whatever they can?? This seems illegal. Now I cant eat

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Balance : {$12000.00}. 


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 has 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 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 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 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 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 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 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 XXXXXXXX XXXX AZ XXXX 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 has 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 2022-06-09
Company: JPMORGAN CHASE & CO.
State: CT
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:
A more than {$4000.00} charge from company XXXX XXXX was charged to my Chase credit card. I disputed the charge with XXXX XXXX the XXXX, and Chase who all told me that the charge was legitimate and can not be reversed. Chase told me that since XXXX had my card information that they were allowed to just charge my card whenever they want for any amount, and I can only dispute if they don't subsequently provide me with a service. I have not received a service from XXXX XXXX, and I did not authorize the charge to my card. The first person I spoke to at Chase told me it would be reversed, and then a second Chase rep called me weeks later to tell me it will never be reversed. Please help me reverse this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX : DEPT OF ED/XXXX XXXX XXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Account name : DEPT OF EDXXXX XXXX XXXXXXXX, XX/XX/XXXX Personal information incorrect XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Correct Name : XXXX XXXX XXXX XXXX Incorrect Address information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 someone opened a savings account online using my information at Bank of America this is the second time in 4 days that this has happened at this bank. I got them both supposedly close at the bank according to there fraud department but the bank does not have my information flagged in there system to get this to stop happening. The first time this happened was on XX/XX/2022. The bank has not asked for any sort of proper identification such as a proper drivers license and current address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Attempted to contact the company via web page. Have not received a response or confirmation. My homeowners insurance premium has not been paid. The insurance company is contacting me to collect, but the premium is included in my escrow account.

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