BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-04
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the month of XXXX I got paid 3 times. I called and requested the XXXX payment in XXXX stopped so that I was not making XXXX payments that month. When I resumed my {$900.00} payments in XXXX instead of taking out {$900.00} each paycheck kthey took out {$1000.00} for that 2 week period. When I called them they advised me it was set up incorrect and that they wuld correct it. This is exactly what happened last year when I did this. Why ca n't this company get this right?

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 2023-09-03
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I Have sent a complaint already I have power of attorney on my mother and the real estate in question and my lawyer assured me the first power of attorney papers covered everything but the second one really did. The bank refused to recognize my legal binding power of attorney papers. So I could do nothing with our home so the APR has been rising ever since with no end in site the payment when I started my mothers finances were at XXXX a month and now they are XXXX That is Robbery especially when they refused to work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification.

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 2023-09-03
Company: EQUIFAX, INC.
State: CA
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$16000.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have an auto loan from XX/XX/XXXX that was bought from a different account holder last XX/XX/XXXX. My new account holder, XXXX XXXX, informed me that they would begin reporting this debt, my payment history, and the age of account beginning in XX/XX/XXXX. Once it did not appear in XXXX, I called XXXX XXXX to confirm their reporting. XXXX XXXX confirmed they first reported in XXXX, as they had told me in XXXX. I then called Experian and filed a dispute. The person seemed as though they were " fake taking '' a claim, not finding out all of the information before trying to hang up. I kept having to volunteer more information that the agent should have already been asking. I let them know I have an additional debt ( more debt I am carrying than they are reporting ) and that exceptional payment history should be attached, it would show an open account, and it would show the age of that account which began on XX/XX/XXXX. All of these factors affect credit scores! I have a mortgage that would very likely be at a lower interest rate if my report had been accurate. I attempted to call again today before filing a complaint, but I became extremely frustrated that I could not get transferred to a live person, Experian told me to " call back some other time '' and disconnected the call. My next email will be to file a complaint with the office of XXXX XXXX, XXXX of Texas and to any other agency that pops up in a search. I am so appreciative of your agency assisting regular people like me to help fight the big dog. Experian is incorrectly reporting my credit summary and it urgently needs to be rectified.

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 2019-10-05
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collections from XXXX XXXX in my credit report I did not open. I tried calling XXXX XXXX and they couldn't help me because I do not have an account number. I tried to contact the collections agency and the number is not a working number. I tried to dispute through XXXX  which is where I saw it but they still have it as a valid charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: BANK OF THE WEST
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On or about XX/XX/XXXX I XXXX XXXX opened a checking account thru bank of the west online I had to verify my personal identifiable information by providing a picture of my Driver 's license and provided my social thereafter I was notified I had until XX/XX/2023 to fund my account for it to remain open! I intended and even used routing and account number on my federal tax refund to be direct deposited in my bank of the west checking account yesterday XX/XX/2023 when I called online customer service and a local branch in XXXX I was notified my account has been closed! Bank of the west closed a new account of mine without any due notice to me even still getting text messages attached showing I had until XX/XX/XXXX to fund it! Now my taxes will be rejected and mailed to me and bank of the west caused me economic harm and potential violation of Missouri human rights violations since I'm of diversity and they did this without notice! Shame on Bank of the West for causing me economic harm! How u gon na have me verify my identity online via my ID and SS # and then close the account without any notice or without merit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Mailed.on  XX/XX/XXXX  of current year to kohls handwritten letter regarding denial of a credit card and opening of a new one since my card was deactivated or closed and cashier suggested me to open a new account so I could get extra discount. I was confident in doing so because I have really good credit "  XXXX  '' To my surprise was denied and embarrassed felt insulted. Well I was to wait for a denial letter and all I can understand was they closed my account. I will attach letters that explain what all I have tried to do not because the credit card itself but I think it was an unfair treatment. I tried getting information through kohls customer service exactly why I was denied but nobody not even the supervisor could give me a response or explanation why the denial was to wait for credit report They have written twice to me that the credit report bureau could give me an answer. I order my credit report but I did n't see any negative remarks. I saw I had a   XXXX   score and  XXXX  on other   XXXX   reports. It 's not the credit card itself it 's the fact I should know the reason since I have excellent score. Could you please help me decipher this? Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Monterey Financial Services LLC
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: Account status incorrect

Complaint:
Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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. 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 non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$31000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: VA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: CA
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:
This past  XX/XX/XXXX  I ordered a credit score from Experian for a cost of {$4.00}. Almost a month later (  XX/XX/XXXX ) they charged another {$19.00} without my approval.I tried calling Experian but they refused to give me an answer of why they kept charging my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: SYNCHRONY FINANCIAL
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For over 2 years I have and a " hit-or-miss '' ability to access my Paypal account. The purchasing side and the credit side are now both inaccessible. I have a credit balance I want to pay down or pay off, but after I sign in the site just spins and I can't transact anything. On the purchasing side, I can't use pay pal as an option through a vendor site to make a purchase. Again, it just spins. I have called, emailed, and texted and all I get is '' I have never heard of such a thing ''. Then I contacted Synchrony Bank, which backs the credit side, and they said, " It's not their problem ''. Despite many hours of trying to get them to fix the problem, no one listens. I even had a computer programmer come in and be sure my computer wasn't acting up. This is the only site that has this issue for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NV
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report. Despite several attempts to have this information removed, the three credit bureaus have failed to take appropriate action. 

Due to multiple data breaches that occurred in recent years, I have become a victim of identity theft. As a result, I was forced to file for bankruptcy because I became responsible for debt that was not mine. I have made numerous attempts to have the inaccurate information removed from my credit report, but to no avail. 

I have reached out to all three credit bureaus and provided them with the necessary documentation to support my claim of identity theft. However, the bureaus have failed to take appropriate action and have not removed the inaccurate information from my credit report. 

This inaccurate information on my credit report has caused me significant financial and emotional stress. It has affected my ability to obtain credit, secure employment, and has negatively impacted my overall credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit bureaus correct the inaccurate information on my credit report. I would also appreciate your assistance in ensuring that this type of situation does not happen to other consumers. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-09-04
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent several letters about the alleged auto loan from XXXX. They have been ignoring me for months. I asked them to prove and provide detail information that they gave me a auto loan. This was in fact a credit sale transaction, they have closed the account out and written it off as a charge off. Somehow they are still trying to collect from me. This information is NOT accurate and is causing me harm on my credit report. Only true and factual information should be reported on someone's credit report. I am not able to use my credit to purchase another auto due to this reporting on my credit file. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I read last month the Federal Reserve suspended Regulation D ( only allowed 6 transfers per month from savings account via online or telephone ) indefinitely. However it stated each individual bank could decide if it wanted to keep or discontinue Regulation D. I called my bank ( 5th 3rd Bank ) to verify what their position was on this matter on XX/XX/XXXX at their branch at XXXX XXXX XXXX XXXX Oh at XXXX and a male bank employee there told me 5th 3rd Bank had suspended Regulation D and I was free to make as many transfers from my savings account using any means that I wanted toI called 2 more 5th 3rd telephone numbers to verify this info/-I call their call center at XXXX and spoke to a XXXX who told me the same info as the XXXX XXXX XXXX then called the 5th 3rd branch on XXXX XXXX XXXX  Oh XXXX XXXX -an employee there named XXXX told me that Reg D was still in effect at 5th 3rd Bank and the 6 monthly transfer limit was still in effect/I really need to know 5th 3rds exact position on this matter because I dont want to violate some regulation and be penalized with losing my current account

Company response to consumer: Closed with explanation