BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act 15 U.S.C 1681 and Fair Credit Reporting Act 15 U.S.C 1692. Source Receivables Management Account # XXXX have violated my rights. 

15 USC 1681 - States I have the right to privacy 15 USC 1681a 2 ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person that is making the report.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 USC 1691 a ( 3 ) - ( a ) ACTIVITIES CONSTITUTING DISCRIMINATIONIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1681n - ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: PHH Mortgage Services Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is with PHH mortgage company. Our house payment decreased yet the mortgage company refuses to take out the correct amount from our checking account. We have it set up as automatic drafting which they control. I noticed the amount in XXXX and contacted them at that time. I was assured that the problem was corrected yet twice a month they continue taking out the old payment which equals to an overpayment of {$240.00}. 
I have requested the automatic drafting be stopped and I will pay it myself but that also has not been done. 
I finally contacted my bank and for a {$36.00} fee they will stop the payment but only for 6 months. My bank hopes this will force them to make the requested changes. 
I am not able to speak to anyone in a position or to that specific department that controls such matters. I feel as if my bank account is being held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: United Check Recovery Bureau, Inc.
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:
Notified via email from collection agency agency. Notification did not provide ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and violating Official interpretation of Paragraph 6 ( d ) ( 4 ) ( ii ) ( C ) ( 1 ).

The document attached to email provided simple method to verify or dispute debt but not to remove email as commination method.

In addition authorization for email contact was revoked from " original creditor '' prior to notification from collector as this is a shared email. Violating number 3 of same regulatory article.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient recently took over servicing my loans from XXXX. XXXX has always handled my loans as XXXX separate loans with different payment schedules. The prior servicing company, XXXX Bank, did the same. XXXX of the loans is subsidized and XXXX of the loans is not subsidized. I have always paid the XXXX loans at different paydown rates, paying down the principal on XXXX loan much faster than the other loan so that someday I would have a reduced payment by only having XXXX of the XXXX loans to pay. Navient 's new payment scheme will combine the loans into XXXX and make it impossible for me to accelerate the payments on XXXX of the loans by itself. Since I am XXXX years old and owe {$100000.00} total, I had always planned to pay off the loan that is now smaller ( due to my accelerated principal payments ) before I retired and started collecting social security. At that time I will not have enough money to pay both loans at the current payment if both loans still exist. This is dishonest, unethical, and I think it is a violation of the original terms of the loan, but Navient so far has refused to send me a copy of the original promissory notes ( I signed XXXX each year I was in school ) and instead insists there is only XXXX promissory note. That is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: E*TRADE BANK
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
ETrade bank alerted me to ( XXXX ) fraudulent purchase transactions on my debit card before they posted to my checking account. The next day they posted to my account deducting the funds because they claim they are powerless to stop them from posting. Day after day after day they refuse to refund me the amounts of those transactions.THIS IS AN OUTRAGE!!! They also charged me overdraft fees on top of it!!! Amazing. The ETrade bank fraud department is a JOKE. It 's there to give the appearance that they will protect you against fraud ... they actually do NOTHING. The head of the fraud department told me that it is their policy to impose a processing period of 90 days before crediting back the fraudulent transactions even if the merchants have already done so!!! CROOKED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: DC
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:
My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX 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 2023-09-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the following inaccuracies on my Equifax credit report, which I initially contacted Equifax about on XX/XX/XXXX. As of the current date, I have not received any response from Equifax regarding these issues. Below, I provide the details of the erroneous information and the required corrections : The account listed as XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) was never late. I kindly request that you correct/update this inaccurate information on my credit report. 


The account with the account number XXXX, identified as XXXX XXXX ( Date Opened : XX/XX/XXXX, High Credit : {$8000.00} ), was never late. Please correct/update this erroneous information on my credit report. 


The account with the account number XXXX, labeled as XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$350.00} ), does not belong to me. I request that you promptly remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: NC
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:
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment on XX/XX/XXXX incorrect reporting, I have no late payments on this account 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company - Amerisave - and the loan originators collected a refundable {$500.00} pre-paid closing cost fee. The underwriter did not approve the loan and the {$500.00} was not refunded after numerous requests. No explanation given.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: FL
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:
I am writing to report unauthorized inquiries and credit accounts that have appeared on my credit report. I have noticed these entries on my credit report and have reason to believe that they were not authorized by me. 

I request that the CFPB take immediate action to remove these unauthorized inquiries and credit accounts from my credit report as soon as possible. These unauthorized entries are damaging my credit score and causing me undue stress and worry. 

I would appreciate your prompt attention to this matter and your assistance in resolving this issue. Please let me know what further steps I need to take to ensure that this matter is resolved. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: FL
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  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, 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 2021-06-25
Company: Experian Information Solutions Inc.
State: SC
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:
Vehicle was repossessed after paying for 4 years amount owed on contract to XXXX it changed by XXXX company states it was recovery charge storage charge transport charge key replacement fee auction charges I had items stolen out of vehicle at storage facility and had to pay XXXX of the original XXXX that was owed to get personal items and I surrendered the keys to the tow company when they came for the car. When I called to pay balance XXXX within 48 hours was told of other charges added on and car was at auction 300 miles away. I received a letter that auto sold for XXXX but I still owed for all storage and transportation changing balance to XXXX account was closed in XXXX sold to collection agency after submitting all my paperwork to XXXX XXXX they decided to close collection account And deleted it

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 2023-08-16
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been with Citi Financial since XX/XX/XXXX. I've had one credit card ( 2 accounts ) and have never had a payment go 30 days late in the 10 years I have had an account with them. Never! XX/XX/XXXX I received a notification that Citi Financial was decreasing my credit limit by XXXX  XXXX from {$19000.00} to {$8000.00}! First, any company that would reduce an on-time loyal customer by {$11000.00} is just bad business! Secondly, my balance with Citi at the time was {$7800.00}. Because of this abrupt and unwarranted decrease, it has also caused my credit scores to drop by almost XXXX points because my utilization instantly increased to 95 %! Have I made payments after the due date? Yes! Have I ever went 30 days late? No! Have I ever been negligent in paying Citi financial? No! Even when I went through a temporary hardship, I called and asked for help. Asked for a pay deferral! They advised they couldn't help! So because I valued the relationship and my credit history, I still paid them on time even when it was a sacrifice to me! But for them to drop my credit limit by {$11000.00}. This is unfair and unethical! It is also an unfair practice under XXXX and XXXX XXXX! It's unfair and deceptive! And to also do this without warning adds to the issue.

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 2023-02-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA
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:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

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 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information 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 any other adverse items 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 so has reasonable cause to believe 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 2017-11-06
Company: U.S. BANCORP
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Without making an application this credit card came to my mailbox. When I tried to make a payment on my account no. XXXX XXXX XXXX XXXX, the representative that processed the transaction did not record all of the numbers to my account in order for the the payment to be made on time. This resulted in a late fee to be charged to my account. The minimum payment due was {$80.00} dollars. However because the payment was late, the total payment due is {$140.00}. This is {$80.00} plus a {$63.00} late fee I have become current with the account however a late fee is still charged to my account when I am not late. I was told by XXXX of the representatives that if I paid the late before the next billing cycle that starts on the 7th of each month, another late fee would not be incurred on my account. I have paid the late fee {$100.00}, and {$43.00} before the next billing cycle however on the company XXXX XXXX bank is charging me a minimum payment of XXXX or XXXX added to the minimum payment as if it is late. In trying to collect the late fee I was told by one of the representatives to expect to be called in the late hours of the evening. 

These transactions are verified to make sure the information is correct.

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 2022-12-26
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
Please reopen complaint XXXX. 
I have not received a response to my settlement request that was made several times in writing to the company. They state they have tried to reach me, but this is false. I do not have a phone and they have not responded via mail, even after being given my current address. This company has not provided a proposed response to my settlement request and is blocking my ability to settle this debt by ignoring the request.

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