BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-14
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal has been continuously debiting excessive fees from my account. Before making a large deposit I spoke to XXXX different departments to set up payment arrangements for any fees that were charged to an account that was closed by them for being overdrawn from the fees I was charged. I ask that someone review my bank account for XXXX, XXXX, XXXX and XXXX. Navy Federal has taken more than XXXX dollars in the past XXXX  months from all my accounts without a valid explanation. They recently settled a class action lawsuit for charging customers excessive fees and it's clear they are still performing such unethical acts still. Please review all the calls that were placed to customer service. I feel so helpless as a consumer. Navy Federal is taking advantage of veterans and their families.

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 2023-12-03
Company: Commerce Home Mortgage, Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Our mortgage servicer, Change Home Mortgage, has set aside far too much in escrow for our taxes ( {$22000.00} over actual taxes owed ). We called them at the beginning of XXXX and they told us they would correct the tax amount within two weeks. We have sent the tax letter through their portal 4 weeks ago and again 2 weeks ago. Now nobody is responding at the company - calls are simply ignored, and the email service tells us to call the customer service line ( which we do to no avail ). We have tried contacting the company dozens of times over the prior 4 weeks, and they continue to require us to pay mortgage payments consisting of ~ {$1200.00} in excess of our taxes owed on a monthly basis.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2023-11-30
Company: Affirm Holdings, Inc
State: MI
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:
Tried to call them XXXX times No answer Fraud from Affirm on my account Says its pending but havent provided updates on mail received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 2016-03-29
Company: JH Portfolio Debt Equities, LLC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN 365 days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN 365 days.

Company response to consumer: Closed
Consumer complaint received 2023-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company " Portfolio Recovery Associates , LLC '' have called me multiple times starting on XX/XX/. I received 2 other calls from them in that month. In XXXX I received calls on the XXXX, XXXX, XXXX, XXXX, and XXXX. The XXXX I answered and they were trying to get ahold of a person that was not me. I informed them they had the wrong number, remove my number from their list and to not call me again. The next day I got another call from them of which I missed. Again today I got a call and answered and informed them of the same thing and also spoke to a supervisor and informed them to personally remove me from their list. Since they didn't care about me telling them on the XXXX to not call again I have a feeling they will call again even after this other time telling them to not call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
All my personal and business Amex accounts were suspended in XX/XX/2023. There were several disputed charges on two business cards ( XXXX and XXXX XXXX ) and I provided details about these charges as Amex requested. They kept my all accounts suspended. In all my correspondence with Amex regarding this issue, they never provided any explanation as to why all my accounts were suspended, particularly the personal cards. 

On XX/XX/2023, they closed all my accounts with no notice or reason provided. I am requesting an explanation for the account shutdown after 17 years as a customer. 

I also am requesting refunds for all unused credits on all my cards since XXXX including XXXX credits, hotel credits, wireless credits, XXXX credits and any other credits I was unable to use. I also would like my accounts reopened, particularly all my consumer accounts as none of them were affected by any of the disputed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Upgrade, Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I attempted to close my upgrade credit card but the account is still open. I opened the account in early XXXX and attempted to close it initially at the end of XXXX. I have attempted to close the account a couple more times since then. I have not used the credit card at all in XXXX, there are no transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from 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 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 and XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Credit Karma, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was told by credit karma that they needed to verify my identity to send my money from the closed checking account. the account was closed XX/XX/. 
Today I have give them documents to verify my Identity they sent e emails conferming this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Changed business checking from XXXX to FNB and was offered $ XXXX to open account. Met all criteria of deposit amount, online banking and activity but only received {$800.00}. 

Online banking ID : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I signed up for the TD Bank credit card for the {$150.00} cash back after spending {$1000.00} in my first so many billing cycles. After activating and spending approximately {$250.00} on the card, it was locked for suspicious purchases. I called and spoke with a representative who needed to call my phone number to verify my identity before discussing my account. I failed to answer the phone call and hear the code number one time. Due to a difficulty using this phone number, I asked if they could try another number and they could not. They are now refusing to discuss unlocking my account further unless I visit a branch in person. The problem is that the nearest branch is 2 states away from me. I have already spent considerable money with them towards my {$150.00} bonus, but it appears I will not be able to use the card to complete the bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a Delta SkyMiles American Express Gold credit card in early XX/XX/2023. There was a promotional offer for XXXX Bonus Delta SkyMiles for signing up. Fortunately I emailed myself a screenshot of the offer because when the bonus came through it was only XXXX miles. I just called American Express and they said that I only signed up for the XXXX mile offer and that I can't switch now. That is obviously not what happened. Why would I take a screenshot of an XXXX mile offer and then go sign up for a smaller offer? I wonder how many people sign up for the XXXX mile offer and Amex accidentally places them in the XXXX mile offer. These " mistakes '' always happen in the big company 's favor, so they can't be random. I cancelled the card, but I would still like my missing miles. And more than anything, I would like all of these big companies that do this to consumers to stop. The reason I took a screenshot is because this kind of thing happens all the time. Even if they are required to give me the missing miles they will come out ahead because they will only be giving me what they should have given me in the first place, but most people won't even follow up on it so they come out ahead on all of those people. I don't understand why there isn't more severe penalties for consumer fraud, especially from big companies who have the resources to treat people fairly. The penalty doesn't have to go to me, but it could go to funding the organizations that are supposed to be overseeing this kind of thing so that they are better equipped to manage it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

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 2023-11-18
Company: Lentegrity Management, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
Hello, I applied for a loan to get a vehicle. I was pre- approved through XXXX XXXX XXXX but, I needed to wait until the full process when through. In the mean time I went to the car dealership XXXX XXXX XXXX in XXXX XXXX XXXX in CA to let them know that I had been pre Approved through XXXX XXXX XXXX. XXXX chief auto told me that it was fine but I need to get approved through another bank in order for them to release the vehicle in case XXXX XXXX XXXX didn't go through. I was pre-aprroved through LENTEGRITY. LENTEGRITY call me and asked if i was going through them, i told them NO, that I was going through XXXX XXXX XXXX. A few days later the process with XXXX XXXX XXXX went through and I signed the paperwork and took the check to XXXX chief auto for the car I purchase. A week later I received a letter from LENTEGRITY that I owe them {$28000.00} with the total amount due of {$560.00} by XX/XX/2023. I told them that I was NOT going through them and that I was taking another route. I never signed paper work through LENTEGRITY and now they are saying that I owe them money. 

Thank you for taking the time to read this. I really need help with this. Thank you!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation