BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-11
Company: RS Clark and Associates, 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: Account information incorrect

Complaint:
Duplicate collection accounts from one collector show up on all three reporting agencies, XXXX, XXXX  and XXXX. Account information incorrect Collection agency went through a period of multiple harassing phone calls to my cell phone even after my telling them not to call. 
I called the collection agency XX/XX/2019 the agent admitted account duplication and reporting and refused to discuss removal. 
I have disputed accounts with Credit Bureaus but issue has never been resolved. Credit bureaus have failed to correct. Incorrect information remains on my credit reports and is noted as verified but disputed. 

The offending collection agency is : R.S. Clark and Associates XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX See attached information copied from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: OH
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 have inquiries on my credit report that I am unaware of and would like them to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am subscribed to many services that offer your credit scores and a breakdown of your credit reporting ; such as XXXX XXXX ; XXXX ; etc. The reports that are shown on those sites offer " Vantage Scores '' and " Fico Scores ''. On XXXX ; for example my " Vantage Score '' shows a score of XXXX. On XXXX XXXX and XXXX, I show a " Fico Score '' of XXXX for both XXXX  and Transunion. The reports show that I have never missed a single payment ; I have credit history over seven years ( which  apparently isn't good enough for the consumer credit bureaus ) ; and many accounts ( of which are student loans and apparently reflect negatively on your credit report, which is unfair and bogus ). 

Both of these scores are consistent and have been consistent over the past year. Just recently I had a " hard inquiry '' performed in order to see what I could afford if I sold my house and purchased a new one. My mortgage lender told me my score was XXXX, but was also very confused as to why it was so low, given my history. This score was the same for both XXXX  and Transunion. I explained to him that I regularly check my report and scores and both are in the mid 700s. He explained that that question gets brought up a lot - and he isn't quite sure why there is a discrepancy in the information displayed to consumers as opposed to lenders. I've worked hard to build the credit I have and I find it misleading ; in poor taste ; and incredibly deceptive that these companies will display a higher score to consumers - but when inquiries are done, a different score is shown. I received the Credit Score report back from my mortgage lender and it sure enough showed a XXXX score from Tansunion, with a bunch of derogatory things such as " too many consumer lending accounts ( student loans? Excuse me they are not too many consumer lending accounts ) '' ; or " length of established credit too short '' ( Seven years? ). I find this deceptive and frankly disgusting that you would display false information, or contradictory information to consumers, or to lenders, just to abide by whatever laws may have been published. I want this fixed, or I want an explanation as to why my credit score shows me XXXX through XXXX and XXXX XXXX ; but XXXX to lenders.

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 2022-03-11
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I mailed XXXX payment on XX/XX/XXXX, due XX/XX/XXXX. I noticed all other checks mailed that day cleared my checking account except for mortgage payment. I called BSI Financial Services on XXXX at XXXX P.M. XXXX to find out if they had received payment and it was in processing yet. I was told payment had not been received and that I needed to make payment over phone to ensure it would not be late and have fees applied. That evening I did make a phone payment for the amount due of {$1000.00} plus {$500.00} principal. A couple of days later I checked to see if phone payment went through and noticed that the check that I wrote on XXXX cleared my bank on XXXX, the same day I called to see if they had received it and was told no. I do not believe it is possible to have received my check, process, submit for payment, and clear my bank on the same day after I called at XXXX P.M. XXXX. The phone payment cleared 2 days later and did not include the extra principal payment that I authorized over the phone, incorrect amount. It was clear from bank records that check cleared first. I believe I was INTENTIONALLY lied to in order to induce a second payment in an attempt to SLANDER my credit. I called BSI several times in an attempt to understand but not given any real answers. I asked to speak to a supervisor on several of these calls and was transferred to answering machine with messages never replied to. I am filing this complaint because these calls have been ignored and I feel there is no other recourse. BSI Financial does not seem to be a reputable mortgage servicer. 
P.S. BSI Financial recently purchased my loan from my previous servicer, about 3 months, and I am always on time with extra principal payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother was taking care of this issue. She passed last year. We have been in contact with BANK OF THE WEST several occasions concerning my childrens. COOGAN ACCOUNTS. WHILE. they worked, their portion of checks was placed into a coogan blocked trust account under my name as well. They are well over 18 now. Our local bank in XXXX did not know how to handle this type of account. One account balance is at {$0.00} while the other is significantly lower than what was put into the bank account. They applied service fees on these accounts until one was at XXXX and other was very short of what initially was deposited from working as a minor. XXXX XXXX, the banks manager knew nothing on these accounts. He was given a copy of the results of a lawsuit against XXXX XXXX XXXX. Where the second appellate district determined that withdrawals of service fees from a child actors trust account violates California Coogan Law. Since then XXXX XXXX, the bank manager stated he could not help us but directed us to his boss, XXXX XXXX work was working in XXXX, Ca. She as well, did not know about these accounts but would look into it. After my mother XXXX XXXX, had a second conversation with her, she stated she could not help. XXXX suggested that perhaps she could check with their legal department. This has been an ongoing issue. We would like help to resolve this and hope that this bank be trained on how to deal with Coogan accounts.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: GA
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:
I have been distressed with misleading, inaccurate, and incomplete information on my credit report. This has been hurting me financially for years. This is a violation of FCRA and the credit reporting agencies must delete the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and  XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX   XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

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 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The credit bureaus have added fraud alerts to my files. Instead of investigating my disputes the credit bureaus have sent fraud claims to my creditors when fraud was not claimed. I asking for investigations of items that seemed incorrect, inaccurate, or not mine ... Fraud alerts without my phone number are useless ...

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 2020-09-14
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPF associates, In XXXX, I agreed to XXXX XXXX  insurance for one of my Citibank credit card accounts only because I misunderstood or was misinformed about the cost. When the paperwork arrived, my wife informed me of the actual cost. I was going  to cancel it, but my wife asked me to keep it. In XXXX, I was diagnosed with a new XXXX  and XXXX  XXXX  that I was unable to manage. In XXXX, I had to stop working and applied for long term XXXX. I continued to pay all of my debts as usual. My wife reminded me about the Citibank acct. with the XXXX XXXX and I applied for their job loss benefit in which they freeze your acct. In XXXX of XXXX, I received notification from XXXX XXXX that the job loss benefit was accepted and implemented. A few months after, I notified XXXX XXXX that I received a fully favorable long term XXXX ruling and sent them a copy of the ruling, SSA approval letter and the medical documents used to make the determination. I also applied for their XXXX XXXX long term XXXX benefit in which they pay the balance of your acct. over 24 months up to {$10000.00}. A few weeks after, I received a response from XXXX XXXX stating that they accepted my long term XXXX status, but requested that my physician fill out and sign a form. After receiving the form, I dropped it off at his office. The following week, on my next appt., I reminded him about the form, he informed me that he couldnt do it. He stated that he doesnt do any of that paperwork for credit card companies, nor does he know any other neurologist that do, due to the risk of having to appear in court and being inaccessible, in case of a dispute. This is when all of the problems started. Attached is a narrative of what followed along with complaints to the parties involved.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: TX
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 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 contacted XXXX XXXX Services on XX/XX/2021 by mail to send all required paperwork showing their right of repossession and that repo did not violate Louisiana Law. According to the FDCPA and FCRA 14 days is given for a response. No response from XXXX XXXX. Sent a follow up letter on XX/XX/2021 No Response. I disputed collection account on my credit file with XXXX, Transunion, and XXXX also provided documentation of XXXX XXXX failing to respond. The account still remains on my credit file. The only explanation given is the account was validated. This account is blocking my ability to obtain new credit.

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 2022-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
This company pretended to be my EMPLOYER and constantly has been calling my childs phone. This company is not releasing any information and has not sent the original agreement to my house if there is one, by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I received the payment booklet on XX/XX/2018 from XXXX the loan payment is due as of XX/XX/2018, for the amount of XXXX. I started to make the payment as of XX/XX/2018 a week, and I began to pay {$500.00} a week ahead of the due date until today. 
XXXX falsely reported to the credit bureau that I have a late fee on XXXX, amount of {$21.00}, XXXX {$21.00}, XXXX, $ XXXX XXXX XXXX. 
I contacted them on XXXX, XXXX, XX/XX/2018 and requested the explanation for why reported the late fee while I am paying more than the minimum amount, and although the booklet begins as of XX/XX/2018, I started as of XXXX and making the payment a week ahead of time. 
Now again XXXX reported to the credit bureau, that I have late on the payment. I have my record which is an indication they received ahead of the due date for more than the minimum amount. I am sick of tired of calling and talking to many clueless people. 
The problem is these people are, answered the call either from XXXX or the XXXX. I am a federal government employee, and such a false reporting will impact my job.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have bank accounts with Wells Fargo Bank dating before 2011 to the present as an individual and with my children. I experienced account closures, overdraft fees, transaction fees, and access fees related to state inquiries that were not fairly resolved as part of the bank 's practices and my individual complaints. My complaint this time is a settlement announcement was recently published ( https : XXXX ) that was dated years ago according to a WF Bank representative contacted at XXXX. According to the bank representative, customers affected were notified years ago and the article was published today is misleading. I'm fed up with account fees and penalties created by the banks predatory practices that regulators are ineffective too control with their authority to influence better banking practices.

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 2022-08-10
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: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, DEPT OF EDXXXX has violated my rights. Regarding alleged accounts # XXXX, XXXX, and XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: U.S. BANCORP
State: CA
Product: Credit 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/2023 approximately XXXX dollars was used at a XXXX and later a XXXX on a stolen US Bank credit card after thieves had taken my hidden phone and wallet after breaking into my car. US Bank only sent a text trying to confirm the purchases, despite it being way over my credit limit. Later after calling to claim the purchases as fraud they then told me they marked it as fraudulent and debited the money back to be. Then without sending an email, text, or call reversed the decision and charged me that fraudulent amount on XX/XX/2023. I appealed the decision on XX/XX/2023 and over the phone on XX/XX/2023 but they denied my appeal because I hadn't filed a police report nor an insurance claim on the broken car window ( which I explained would've increased my insurance and was cheaper to pay out of pocket ... I also have the reciept for the new car window ), despite the constumer service rep agreeing on the phone that the spending on the card was out of character for my spending history. The rep spent 2 minutes determining her decision and based it solely off not having the police report/insurance claim, there was no attempt to check the signature at the store nor look into previous spending habits. I offered to demonstrate that XXXX XXXX XXXX had deemed the spending on my other card as fraudulent but that attempt was ignored. I have reciepts for insurance filed on my stolen phone, reciepts on the broken car window, and clearly the merchant should have a wrong signature used at the store but none of these were used to verify my claim. I was charged the fraudalent amount without any attempt to reach me electronically.

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