BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-14
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:
On ( XX/XX/2021 ) sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX Closed my account and I tried to resolve issue its been more than 7 years .Sprint has NON ETHICAL business practices. 

XXXX XXXX Last reported : XX/XX/XXXX {$300.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$300.00} Highest Balance {$300.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, WA 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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is my multiple requests 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 accounts 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 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

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 2023-02-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Too many to list. Wells Fargo continues to engage in unfair banking practices against small businesses. They continually XXXX holds on funds and then offer to allow you to overdraw your account against funds on hold but will charge you a {$35.00} overdraft fee. Then they claim your paper deposit checks are placed on hold because you have too many overdraft fees. It's a vicious cycle that they continue because they make money on each overdraft. It basically amounts to high interest loans they are charging for you to get your own money that they XXXX holds on. Plus they play a shell game constantly with deposits and credits versus debits on ATM withdrawals and debit card purchases. They will take the debits out first to purposefully overdraw your account and charge you fees. Or they will take the largest debit first so they can hit you with multiple overdraft fees on all of your smaller debits. This is a practice that Wells Fargo has been doing for ever. I have been a customer with them for XXXX  years both personal and business and if I were to add everything up over the XXXX period they would likely owe mXXXX XXXX XXXX XXXX XXXX XXXX  of dollars in money they stole from myself and my business. Wells Fargo deserves more than a fine. Someone should go to jail!

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed 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

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 2019-07-10
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:
Equifax and XXXX are reporting incorrectly a {$31.00} balance due on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account is over ( 7 ) years old and reporting this account is a violation of the Fair Credit Reporting Act. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX at XXXX hrs I contacted American Express by telephone. I was cleared through there automated system. Last 4 SSN, etc. Choose the option lost or stolen card. Was transferred to a robot who advised that the card was lost and that they would stop any further transactions and that I would not be responsible. Verified my address, and said that my new card is going to be delivered on XX/XX/XXXX. Is that ok? I said yes. 

On XX/XX/XXXX at XXXX hrs, I received an email notification that a Large Purchase has been approved. I looked and a charge for {$530.00} for Travel had been made. At XXXX hrs, I contacted Amex by phone. Asked to be connected to Fraud and then I spoke with a CSR named XXXX. Explained the situation and he says that there is no record of a replacement card going out. I explained to him that I spoke with the robot, and was to receive the card by XX/XX/XXXX. Went over the part where it asked me if it was ok to receive by XX/XX/XXXX. He said there must have been a " Technical Glitch '' but that he would stop the card and have a replacement. I explained to him that I would like to escalate the situation to a supervisor, which will call me back in the priority that they receive the request. Within 24 hrs. 

So my complaint is this. I spoke with a robot on XXXX at XXXX hrs and cancel the card as lost and give an ok to receive by XXXX. The procedure is broken with the robot not fulfilling the request that I made to cancel and reissue. This isn't the technical glitch that a cardholder should have to tolerate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX, I visited XXXX Chrysler XXXX XXXX Dealership in XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, with the intent of purchasing a XXXX XXXX valued at {$40000.00}. I sought assistance from the sales consultant, XXXX XXXX, who collected pertinent information, including my social security number, to facilitate the financing process. Acting under the guidance of manager XXXX, XXXX XXXX initiated funding applications with multiple lenders on my behalf. 

Subsequently, Manager XXXX communicated the outcomes of these financing endeavors. While Chrysler Capital extended approval for the requested amount, they conditioned the approval on a substantial down payment of {$12000.00}. In response, I asserted my rights under the Equal Credit Opportunity Act ( ECOA ), specifically referencing 15 U.S.C 1605, which prohibits mandatory down payments for individuals with " favorable '' credit. 

The dealership, however, contended that their internal policies superseded legal mandates, as conveyed by Chrysler Capital Underwriter XXXX. In an attempt to engage in a meaningful discussion with the underwriter, I proposed a conference call facilitated by the dealership, but this request was summarily denied by XXXX XXXX, citing a reluctance to comply regardless of legal stipulations. 

Complicating matters, the dealership utilized my social security number without providing any discernible benefit, potentially constituting unauthorized credit card usage under 15 U.S.C 1602 ( p ). Despite my desire for a thorough review with the underwriter, the dealership declined to initiate the necessary communication protocol as outlined by the credit application process. 

The denial of credit and subsequent embarrassment inflicted by the dealership 's employees prompted this formal complaint. My singular objective is to secure approval for the purchase of the XXXX XXXX under fair and compliant terms, aligning with ECOA guidelines. I anticipate a resolution that upholds legal standards and affirms my ability to secure financing through Chrysler Capital. 

In light of the foregoing, I call upon Chrysler Capital to honor the principles of fair lending and adherence to relevant financial regulations. May this matter be resolved justly, ensuring that the acquisition of the XXXX XXXX is conducted in accordance with established legal frameworks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Chime Financial Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States I also added funds on XXXX  in the amount of {$600.00} as well as XX/XX/ I added {$600.00} and XX/XX/ I added {$600.00} totaling to {$2400.00} to pay my credit builder. For a month straight the customer service claimed to see the payments processing and would tell me that my balance and available spending would update but it never did. After calling to see what the issue was with the payment I was told that they no longer could see the payment at all and there was nothing to update as well as no information to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I attempted an online loan modification on my car loan with Truist Bank in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that Truist update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-03-30
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I gave US Bank a deposit of {$300.00} to fund a XXXX XXXX secured credit card that they offer for those trying to build credit. I currently have alleged child support debt in which I'm in the process of getting adjudicated and terminated. A notice was sent to US Bank from child support to seize any money that I may or may not have in a savings or checking account or any type of cash assets. The {$300.00} provided to US Bank was US Bank 's money upon receiving it under United States law and given for a specific use of a revolving credit account to help build my credit. They went out of their way after receiving this notice to close the account and send this {$300.00} that was given to them to the child support. It doesn't feel right to me so that's why I'm filing a complaint.

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 2022-11-13
Company: EQUIFAX, 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 USC 1681. 

( XXXX ) XXXX XXXX XXXX  was disputed on XX/XX/2022 balance {$520.00} ( XXXX ) XXXX  XXXX was disputed on XX/XX/2022 balance {$400.00} ( XXXX ) XXXXXXXX XXXXI was disputed on XX/XX/2022 balance {$160.00} ( XXXX ) XXXX was disputed on XX/XX/2022 balance {$330.00} ( XXXX ) XXXXwas disputed on XX/XX/2022 balance {$520.00} ( XXXX ) Office of the Attorney General-child support was disputed on XX/XX/2022 balance {$620.00} ( XXXX ) Office of the Attorney General-child support was disputed on XX/XX/2022 balance {$47000.00} 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 2015-12-21
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Sun Trust Bank ( Mortgage # XXXX ) that was issued in XXXX 2015 that includes escrow payment. I was therefore shocked to get a delinquent taxes notice from the county on the same loan for {$2700.00}, plus penalty and interest payments for {$130.00} ( total {$2800.00} ). 
I called Sun Trust to complain about the late payment assessment in XXXX, I was transferred to several people, and none of them were able to provide a reason why a loan with an excess escrow balance could be assessed a delinquent tax penalty. 
Sun Trust then sent me a statement and check ( for {$2500.00} ) one week after I complained about the delinquency assessment stating that my account has excess escrow payment in it. 
I called Sun Trust again today XXXX XXXX/XXXX/2015 XXXX to follow up on the matter, and after over 1 hour of being transferred to several employees, none whom were still able to explain the delinquent penalty of {$130.00}. They finally tried to claim that it was my fault because I should have been following up with taxes authorities to make sure that property taxes were timely paid. Is a mortgagor responsible for timely payment of escrowed amounts for a non-delinquent mortgage?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TradeStation Group, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new TradeStaiont Crypto account for the {$500.00} bonus on XX/XX/2022. I have met all the requirements of their term. And I have waited more than 70 days for the bonus. I contacted them about the problem with my bonus. But they replied to me with different terms to refuse me the bonus I earned. I have their old term screenshot from when I opened the account. And the screenshot of their new term on their website now. They are a company cheating the customers. Please help me, don't let this kind of company keep cheating the people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.

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