BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX  I went into XXXX XXXX to purchase a new boat for approx {$32000.00}. With over {$37000.00} in my account I attempted to use my debit card which was declined. I went online to increase the purchase limit which only let me do so to {$25000.00}. Upon calling USAA around noon I was on hold for 40 minutes before the agent informed me that USAA put on a {$25000.00} fraud limit. I asked the agent to increase it for my purchase. She said she could not. I asked for her supervisor who also said she could not do anything but that I could trick the system by using a pin purchase and one without. The store could only do non pin purchases. She said I should use my credit card which the store charges 3 % or {$200.00} on the remaining balance of around {$7000.00}. I asked if she would have USAA pay the fee... she laughed. She said I could go to a bank or ATM to get the rest! I went to XXXX who does only non pin transactions and the ATM limit is {$1000.00}. I should not have to run around to 7 different ATM 's to get my money! Nor should I even have to go to another bank! USAA is criminal in pretending that they are helpless in allowing me to access my money... .theft. What right does USAA have in holding my money hostage upon any whim they come up with? Needless to say, I will be closing all my accounts with USAA and suggesting the same to all my friends. I will be XXXX  if I keep my money in a bank ran by fascist authoritarians.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: ACQ Holdings, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received an email from lending tree. The email stated that I was approved for a loan for {$8000.00} the gentleman said you're approved but we need to try to raise your credit score a little bit more so we need some information that gentleman 's name was XXXX XXXX so he sent me another email to help me with my raise my credit score so I filled it out the email but not really paying attention and I send it back to him not realizing I put my bank information on that letter another gentleman called me named XXXX he told me and he also sent me an email to me I you need to remove any money having the bank move it to another account and I'm going to go ahead and help you is it okay so I did then he cost me back and he says I need you to go to XXXX I need a barcode from there and then when I realized go to XXXX I called the bank I told him look I'm not the one doing this transactions he started like going into my account doing disputes while he disputed what transactions from easy Cash ASAP and they're random they're not exact amounts that I took out loans for so then my bank account was restricted it was closed and I'm unable to open to make a calendar I called es easy cash and I told him what happened I was scammed and that they were targeted and that she's like well her name was XXXX she's like well I can help you she goes they were alone and I said no ma'am they were not alone they were dispute and she goes you have to do a chargebacks and I said I understand but I don't owe you that many I paid y'all those I paid the loan except for XXXX loan did I still owe them and I have not paid them yet because I'm trying to like figure out why she's telling me that I owed her for payments to XXXX XXXX of XXXX and XXXX the XXXX is true I'm out but that XXXX XXXX and a XXXX I don't owe them that and the bank coming that those amounts were not the amounts that were disputed by this company called lending tree they told me they were going to give me a loan and they didn't they but they did mess up my whole bank account and they messed up easy cash now the lady is calling me every single day XXXX XXXX mean that I need to pay her {$320.00} for XXXX  months and then she'll figure out how much I owe her after that to settle a debt that I have with them I didn't disagree I just told her I don't feel that I owe her the money that money because the bank told me different amounts and she disagreed she said she didn't turn me into her law office I told her you know that I mean I'm trying to help settle with them but they don't she doesn't want to accept that amount that my bank told me that they did that was too that they did with the bit what they did was fraud you know the fraud the scammed that I got scammed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
During the purchase of a home I was initially quoted in writing from the loan officer ( XXXX XXXX ) at DHI a loan estimate which has changed several times now. Each time the numbers changed and did not make sense to me. I consulted with the Mortgage processor XXXX, who is the person in charge of my file and is responsible for gathering all the final documents for the underwriters review. I asked her if she could perhaps explain the substantially large increase on my file in XXXX 's absence as XXXX told me I can go to XXXX while she is out of the office for any questions. XXXX also was confused about the increase on the loan estimate dated XX/XX/2023. The only extra charge she understood and was able to explain was an extra {$500.00} dollars that I am being charged extra because the property I am trying to purchase appraised lower than expected and I have to pay the difference. XXXX said she would let XXXX 's boss XXXX XXXX XXXX know about the situation and she would get back to me regarding all other extra charges. When I spoke with XXXX and I questioned an additional {$8800.00} XXXX payment charge appearing on my loan estimate she could not give me an answer and said she would have to get back with me. I then asked for help from my realtor XXXX, he and I asked to speak with the Loan officer manageXXXX ( XXXX ) once again and while on a conference call on XX/XX/2023 she admitted that her loan officer ( XXXX XXXX ) had made several mistakes on my loan estimate. These mistakes include Property taxes errors for improved land versus unimproved land. This large sum difference was added to my down payment line item. When I asked XXXX about the additional XXXX she said this was a glitch in their system. I asked her why if she knew about the glitch, why it was not fixed and she could not answer. She seemed puzzled with my question. At this point I felt that I am deliberately being confused by this Representative. It feels like a bait and switch scheme when she talks about the numbers. I am now extremely concerned because I was expecting to close on the home on XX/XX/2023 and with that in mind I paid down payments on movers and made many arrangements to move. All of this insecurity has me very nervous and can cause me to lose a lot of money as I am purchasing this new home to accommodate my XXXX mom that lives with me and as I explained to the loan officer originally I need this home as it is handicap accessible and it will help me assist my moms deeds. As you can imagine the lack of transparency in this process is very concerning to me and I am reaching out for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31
Company: Zions Debt Holdings
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A report was filed with the credit bureau that I owed over {$1800.00}, which I do not. 
I looked up and called Zions Debt holdings File number XXXX in XXXX Utah XXXX 

The lady on the phone asked if the last 4 of my SS number were .... and she was correct. I did not supply the information. She said she could see that i did not owe any money to XXXX. I demanded it be removed and the credit score reversed. I do not know if this will happen. 

If you read EVERY SINGLE review, including with the XXXX states  the same thing, the company appears to have old acount info from home security companies and reporting volumes of debt to the credit bureau that do not exist. 
How and WHY are you allowing a bogus company to negativey affect so many innocent people???? 
They should be BANNED from being able to report anything against consumers. please investigate and stop this government sanctioned fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
State: NC
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:
On XX/XX/XXXX, I made a purchase to a store called XXXX XXXX online. The amount was for {$21.00} and another {$30.00} in points that I have accumulated on my credit card. When I receive the merchandise it was not as described so I returned it immediately. XXXX XXXX told me they do not give refunds just store credit. I found that to be unacceptable. I contacted the disputes department and told them I wanted my money back. After months of them, wasting my time, they finally sent me a message telling me they could not help me. When I called to discuss why the customer service representative told me that the company agreed to give me my money back if they just supplied them with the proper information. Which is the exact opposite of what their letter told me. I can not believe that they are going to ruin our relationship with me considering that I spend about {$3000.00} a month on this card. I just want my {$53.00} back. I have never dealt with such incompetent people. This is the second time Ive had an issue with them on a dispute.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXlease keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
If you feel there is a possibility that these all items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items that verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
XXXX XXXX A XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} 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

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 2022-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Balance {$0.00} ), XXXX ( Opened XXXX. XXXX, XXXX, Credit limit {$1200.00} ), XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-05-31
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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-05-31
Company: JPMORGAN CHASE & CO.
State: MT
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/XXXX : It appears that someone opened an XXXX XXXX credit card account with my personal information, used our business checking account number ( gathered fraudulently by hacking into our CHASE BANK online banking ), then paid off that XXXX credit card with our business checking account. 

The total stolen amount is of {$22000.00}. 

There was another attempt by potentially the same group, on XX/XX/XXXX, with a XXXX credit card for a payment of {$23000.00} charged to our business CHASE BANK checking account. Luckily chase stopped that XXXX. The one from XXXX wasn't stopped in time and CHASE is unable to return the funds because of Regulation E not being applicable for business accounts. 

We have opened a claim with XXXX to recover the missing {$22000.00} ( Claim number : XXXX ) on XX/XX/XXXX but we have not heard anything back to this date. 

Attached you will find the Chase claim, and our XXXX statements with none of the amounts matching the {$22000.00} stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NV
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 want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$28000.00} ;

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 2022-11-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Citizens bank bought my loan from XXXX. 
I have made all my payments timely since XXXX. I am currently XXXX and my husband had a reduction in his salary for a temporary period, so i contacted the company to discuss potential hardship on a temporary basis or deferment or reduction in payments. I was told because its a XXXX unsecured loan They have no options to help me and they threatened to report me to the credit bureau. They said only way i could have any hardship options or even a brief extension is if i went 30 Days past due which would Report in them reporting me to credit bureau but only at that time would they attempt to help me. I have made every payment On time for over three years and they are predators they bought my loan from another bank and will not even give me a simple 1-2 month hardship Or even attempt to help me. I spoke with supervisors XXXX XXXX in repossession and XXXX XXXX in collections and both have confirmed there are no hardship Options for me or deferment or even slight extensions. I don't understand how they could buy me loan and be fdic backed and not even allow me to apply or consider me for this temporary hardship And threaten to report me to the credit bureau especially when i just made a payment 5 days ago but am XXXX payment for this month behind. It was so Horrible what they said to me and how they treated me for XXXX hours on the phone offering me no reprieve because i wasnt a citizens customer when i never wanted to do business with them i wanted to do busines with XXXX. They should not be allowed to buy someones loan and then deny them the right to a loan when they are struggling so badly. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Was not notified of investigation status or results

Complaint:
Incorrect names please delete : XXXX XXXX XXXX, XXXX, XXXX, I'll never live in the following addresses it is incorrect please delete:XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX, XXXX. I'll never work with the following Employer Please delete : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Delete all the unauthorized hard inquiries : 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 Please delete the following collection I'm a VICTIM of Identity theft I file the report : XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief