BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-08-25
Company: Special Financing Company, LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was guaranteed a loan at a fixed interest rate that if I paid it off in 1 year, then I would be refunded the interest paid on the loan. 

The loan was taken out on XXXX of XXXX. I made payment until XX/XX/XXXX. I called the company and ask they take I pay in full the remaining amount. Which was less than {$800.00}. I wanted to pay in full because 1. I wanted to refund the interest. 2. I am on XXXX in XXXX. 

I was unaware that they stopped payments AND started sending late notices. They can only be contacted via phone and have not been responding to my voicemails. Every time I call, it's always busy. 

I am worried that not only did I try to pay off my loan, that they are malicious saying that I stopped paying, which would affect my credit and let them not be able to pay me back the interest that I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: UNITED COMMUNITY BANK
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I opened a new checking account with XXXX and funded it for {$500.00} and applied a promo code " XXXX '' for a {$200.00} promo. 

The requirements were listed as such below : Customers must qualify for the account, make the required minimum opening deposit, and have met the following criteria by the end of an initial XXXX-day qualification period, beginning the day the account is opened, in order to receive the {$200.00} welcome offer : XXXX ) Receive cumulative direct deposits of at least {$2000.00} which includes salary, pension, Social Security , or other regular recurring monthly income. Internal and external account transfers, deposits made at banking locations, by mobile deposits and ATM deposits do not qualify as a direct deposit ; AND XXXX ) complete XXXX or more debit card purchases. Recurring debit card transactions do not qualify. 
Transactions must post to the account within the XXXXday qualification period. ATM withdrawals do not qualify. Monthly service charges and other miscellaneous fees may apply. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit On XX/XX/XXXX I put in {$1000.00} from my payroll as a direct deposit. 
From XX/XX/XXXX to XXXX I completed XXXX purchases using my new united Community Bank debit card. 

As of XX/XX/XXXX I have yet to receive the {$200.00} promo bonus and have called several times since it should have posted to get a status update. They said I have met the requirements and someone from the promotional department would contact me but never did after numerous attempt in calling to inquire about the promotional bonus.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been in contact with all three Credit Bureaus and Trans Union is the only one that refuses to follow the FCRA. I have been asking for validation of a public record being reported on my credit file that is maintained at TU and they constantly send stall letters. Initially they claim they could not assist as it appeared that I was using a " third party '' " credit clinic ''. Even if i was using a Credit repair company to assist with errors on my credit report, there is nothing within the FCRA that prohibits that. Most recently TU has responded that I needed to provide proof of my full social security number ( see attached ). This stall tactic is just another way that a multi-billion dollar company tries to take control of the community. 

Please hold TU accountable for their constant failure to follow federal regulations.

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 2021-10-04
Company: EQUIFAX, INC.
State: NY
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 summiting this complaint by myself and with no help from any professional. I have been reading and studying about consumer laws and our rights. 
After all the studying and research I have done I have been applying my rights to all appropriated institutions that had violated my rights, therefore I am summitting this complaint right now to Equifax , INC . 
I am submitting this complaint because Equifax, INC is in violation for furnishing 9 hard inquiries on my consumer report without my written instructions and without my permissible purposes. Which means that they are liable to me 9 times for violating 15 U.S. Code 1681n ( b ) 9 times.

I gather all my proof and mailed Equifax, INC a Notarized Affidavit Of Truth along with an invoice dated on XX/XX/2021, which they received on XX/XX/2021 as per USPS Express Mail tracking confirmation # : XXXX XXXX XXXX XXXX XXXX. 
I gave Equifax, INC the opportunity to resolve this matter amicably and gave them 20 days to comply, but I have not received any communications whatsoever so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX 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 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 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 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 2021-10-04
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
US Bank Relicard services does not have a way to report that the card I received is from a fraudulent unemployment claim. The phone tree kept trying to get me to activate the card even when I called and selected the fraudulent claim department. When I was finally able to get to what seemed to be the place to report a fraudulent card, it put me in a wait to talk to a human -- - The wait was hours long just to report fraud! Meanwhile, someone could be out spending money unauthorized! 
I called on XX/XX/2021 and spent a half hour just to get through the waiting tree and called three different times on both of the numbers provided by the DC Department of Employment Services.

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 2023-05-17
Company: Early Warning 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: Information belongs to someone else

Complaint:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX  XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Dear Sir or Madam, I have requested information from Equifax concerning an erroneous public record on my credit file. I have submitted a request for information that has not been provided within the required 30 day timeline they are allowed by law. 

I have supplied a copy of the letter sent to them and am very frustrated I've not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
My rights continue to be violated despite my efforts to handle this misreporting on my credit report. These account should not be on there with this false information.

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 2021-10-04
Company: EQUIFAX, INC.
State: CA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$45.00}

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 2021-10-04
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After being rescheduled for unknown reasons, my settlement was on Friday XX/XX/XXXX at XXXX XXXX eastern time. My only disclosure was sent to me on XX/XX/XXXX. I signed all the paperwork for the settlement but was not given a copy prior or after the settlement of the updated Closing Disclosure which has changed from cash back of {$46000.00} to {$43000.00}. So I was expecting cash back of {$43000.00} but only received a deposit of {$41000.00}. 

On Saturday, XXXX I spoke with a manager XXXX XXXX. He tried to tell me that the difference was because I had delinquent taxes, which is untrue, I have no delinquent taxes due. I do have taxes due on XXXX so he told me that that was the difference they paid my taxes in advance. He could not explain why I only got cash back in the amount of {$41000.00} since my Closing Disclosure stated I would be getting {$43000.00} cash back. 
Today, XXXX I receive an updated closing disclosure stating that they paid 2 quarters of my taxes upfront and the new cash back amount was {$41000.00}. No one ever called me back to explain. I feel that I should have been told that they would be taking 6 months of taxes out upfront and not after the settlement. How is it legal for them to change the Closing Disclosure so many days after the settlment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with Freedom Mortgage and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, XXXX XXXX reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with XXXX XXXX on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

XXXX Mortgage removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " 5 '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the XXXXredit Reporting Agencies to have the " 5 '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " 6 '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from XXXX attached ). 

I have letters from XXXX XXXX stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by 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 2021-10-04
Company: DISCOVER BANK
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They closed my account because they needed to verify mi SSN, the SSN Administration coul n't and I am still with the account closed, its been 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/2021. It came to my attention that my account was late. I called usbank cc company immediately and learned that my monthly payment had increased. It had increased by {$1.00} more than I had set up my automatic payment from my checking account to draft. For this, usbank charged {$28.00} and added it to my account balance, further increasing my monthly payment. Several months went by, each time the balance increasing because they kept adding on {$40.00} late fees. By the time I found out this was happening, I owed {$230.00}. I called usbank and fixed it immediately. The cc company reversed the late fees and I paid the amount owed immediately. There was no intimation that they would report me as late. On XX/XX/XXXX, I found out that a late payment remark was sent to my credit reporting bureau. I have never had a late payment in my life. I am XXXX years old. My credit score was dropped 40 points. This seems highly punitive. The bank says they are legally obligated to report due to the 'fair credit reporting act '. How is this fair?

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