BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
None of the descriptors you provided worked for this situation. 

We live in XXXX XXXX in the National disaster area. We were contacted by XXXXXXXX XXXX by Mail and offered help and support. I was curious as to what this was all about. I was told about different options Forbearance, deferred payments, combination of both and Home Equity loans. 
I said we really werent interested. The person I was talking said she would send us a form to fill out and sign if we were interested. When the form came through the mail, I tore it up and put it in the garbage. 
I didnt give it a second thought until this week when I found out from XXXX XXXX that I was being denied credit because You are participating or have recently participated in a payment relief or deferral program receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 
I found the report that was used Experian and found the problem was with our mortgage that was taken out with XXXX XXXXXXXX now XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. This is not true. We have not deferred payments and dont ever intend to.

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 2022-07-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I sent in proof to chexsystem to provide proof of my identity per there document guide lines a letter from social security office a certified copy of my drivers license and a current utility bill and I heard nothing back from them and my file is still not corrected with my correct personal 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 explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had an initial auto loan with XXXX, upon financing with a more reputable bank, a payoff check was sent to XXXX from our new bank XXXX. XXXX received the check on or around XX/XX/2021. The tracking number proves it was received by XXXX. They told me the check was in process. I spent three weeks calling them and asking why the check had not been cashed and they kept telling me it was being processed. In the meantime, I started paying my new auto loan. Our new bank had to cancel the XXXX check that was sent to XXXX and send a new one, which they finally cashed in XXXX. Today I pulled my credit to find that XXXX had reported my autopayment late, even though I attempted to pay off the loan in its entirety in XXXX! They are claiming that I was late since the loan was not paid off until XXXX ; however, I have all of the documentation that we paid it in XXXX. They need to correct my credit report now. This is fraudulent and they mishandled funds. I am attempting to refi my mortgage and the rate will only be held for one week and I can not go forward with the process until this is taken care of.

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 2020-06-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To whom it may concern, My name is XXXX XXXX, I have a issue with Wells Fargo, in the morning at XXXX XXXX  my account was in good standard, and I had enough money in the account, when I Checked my account by XXXX they charge me Overdraft fee for {$35.00}, because my account was overdraft for {$7.00} I called Wells Fargo bank to make a dispute, they offered me a credit of {$8.00} and I am not agree with that, I asked them to waive the Overdraft fee. I need help to waive the late fee in my account. 
Best regards 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 monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
I asked the credit bureau to do verification on everything on my credit report. They reply back to me stating that everything was accurate on my credit report. I did research myself and fought improper inaccuracies on my credit report after they did the investigation. 

XXXXXXXX XXXX XXXX : XXXX Never XXXX late XXXX XXXX : XXXX Never XXXX days late, High balance incorrect. 

XXXX XXXX Bank I have know knowledge of this account In Accordance With the fair credit reporting 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 1861 section 604A Section XXXX It also states a consumer Reporting agency Can not furnish A account without my written instruction.

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 2023-03-04
Company: Experian Information Solutions 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:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXXXXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A 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. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2021-10-22
Company: RFNA, LP
State: AL
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: AMERICAN HONDA FINANCE CORP
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:
I HAVE SENT XXXX EVERYTHING REQUIRED BY THE FCRA AND THE ONLY THING THAT THEY CAN DO RE DISPUTE THE ERROR THAT THEY REPORT ON YOUR CREDIT EVEN AFTER FOLLOWING ALL THE STEP 'S AND GUIDELINES PUT IN PLACE BY THE FCRA. I WAS TOLD THAT AMERICAN HONDA ACCOUNT NUMBER # XXXX WOULD BE REMOVE WITHIN 48 HOURS HERE WE ARE 10 WEEKS LATER AND THEY OFFER TO RE DISPUTE THIS UNLAWFUL REPORTING EVEN AFTER THEY HAVE REVIEWED ALL THE DOCUMENTS SENT IN TO THEM. IM AFRAID TO EVEN GIVE MY PERSONAL INFORMATION TO XXXX DO TO THE FACT THEY OUTSOURCE THERE FRAUD CLAIMS OF ALL THINGS TO A 3 WORLD COUNTRY THAT U.S. LAW 'S AND GUIDE LINES DO NOT APPLY..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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:
HIS IS NOT A DUPLICATE COMPLIANT but resubmission, PLEASE SEND TOTAL AMOUNT PAID BY THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HOME ADDRESS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX WE ARE AWARE OF THE XXXX XXXX XXXX, WHOM YOUR FRIM CLOSELY WORKS WITH DUE TO YOUR CLOSE RELATIONSHIPS. HE DID RECEIVE PAYMENTS FROM XXXX XXXX  FOR THE PURPOSE OF SECURING YOUR FIRM TO ATTEMPT TO STEAL THE PROPERTY FOR THE PURPOSE OF COVERING UP THE EXCESSIVE FRAUDLENT LOANS. THIS HOUSE DID NOT RECEIVE A LOAN, WE WERE NOTIFIED BY A FEDERAL AUTHORITY REGARD ID THEFT AND FRAUD. PLEASE PROVIDE THE CORRECT AMOUNT IN ORDER TO CROSS REFERENCE THE AMOUNT PROVIDED TO US VIA PHONE. THERE IS NO BALANCE ON THIS HOME AND OUR MONEY WAS STOLEN, NO DOCUMENTS SIGNED, AS STATED, SUPPORTED DOCUMENTATION CAME FROM YOUR MORTGAGE COMPANY, YOUR CLIENT HAS ENGAGED IN EXCESSIVE CRIMINAL ACTIVITY AND APPEARS TO SERVE AS AN ACCESSORY TO MORTGAGE FRAUD, TITLE AND DEED THEFT, WHICH WAS ALL FRAUDULENT, FROM ORIGINATION ( FRAUD ). WE KNOW HOW MUCH MONEY WAS DISPERSED AMOUNT MANY OF YOU! O/T TRY TO MANIPULATE THE NUMBERS AS THE INFOMRATION IS FROM YOUR CLIENT! THESE ARE JUST A FEW CRIMINAL ACTIVITIES YOUR COMPANY HAS ENGAGED IN. LASTLY, WE CAN CARE LESS REGARDING YOUR FIRM REPRESENTING XXXX XXXX XXXX, XXXX, XXXX OR WHOEVER, WE DO EXPECT OUR REQUEST TO BE COMPLETED IMMEDIATELY AS WE CONTINOUSLY STATE WE ARE HOLDING THE TRUTH IN SEVERAL PLACES, NO RETAILIATION WILL BE TOLERATED. REMEMBER, YOUR CLIENT TRIED THAT APPROACH, BUT GOD DID NOT LET IT TAKE PLACE! 

addendum, to the resubmission 1. ATTACHED MERS REPORTS ATTACHED TO OWN NAMES AS IF WE OWNED ALL OF THE LISTED PROPERTIES. IN ADDITION, THESE ARE SUBSIDARIES OF XXXX? 


2, WHO'S MORTGAGE IS THIS. FOUND ADDITIONAL INFORMATION XXXX XXXX, XXXX WAS THE OWBER OF XXXX XXXX XXXX XXXX JUST RECENTLY DIED AND BURIED NEAR THIS HOME????, OMG! NOT COINCIDENCE! 
ATTACHED HOMETRY REPORT AND OBTIUARY/

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 2021-10-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past year and a half I have wanted this mortgage company to simply just get my taxes correct, for the year they are just about XXXX. I filed my first complaint and it took them 5 months to resolve while they were trying to figure out the issue I was forced to pay a extra XXXX a month on my payment. When they finally resolved the issue and all seemed well it popped up again. Now here we are 8 months down the road they have paid a extra XXXX this year on my taxes and my escrow is almost negative again which will lead to me paying a extra XXXX a month which I will not have. If they simply mailed a certified check for the taxes this would not happen. But since they do not the county/town mail the check back it never gets refunded and 3 months go by and the town/county send another tax request from the lender with interest stating it needs to be a certified check which at that point they pay it correctly with the interest, so after one year goes by I pay my taxes double and only after I make these complaints does it get resolved, after the last complaint they sent me a letter stating they would release paying my taxes and I would have to do it myself, I do not want to go to the town/county and pay them myself I just want to simply pay my mortgage and for them to do there job and pay the taxes.Now I will need another refund and have to wait for the chairman who seems to be the only person from this bank with common sense to get in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a US Bank Reliacard that I did not apply for.

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 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX of 2019 XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX BANK XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Inquired on XX/XX/ RESIDENT VERIFY Inquired on XX/XX/2023 XXXX XXXXXXXX Inquired on 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 2023-09-06
Company: WELLS FARGO & COMPANY
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:
1681s-2 ( a ) ( 1 ) ( F ), which was added as part of the CARES Act. In general, this provision requires a furnisher to report the credit obligation or account as current during the COVID-19 pandemic, unless the account was delinquent before the accommodation. F ) Reporting information during the COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XX/XX/2019 ( COVID19 ) pandemic during the covered period.In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can furnish an account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-10-09
Company: MECHANICS BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I went to the Mechanics bank in XXXX, California ; located at XXXX XXXX XXXX. I was going to open a savings account, however, I did not open an account, because the employee tried to persuade me to open it and maintain it online and to receive e-statements, instead of paper statements. I was told that there would be a monthly fee per month in order to receive paper statements and that the fee would be automatically deducted from my account. Therefore, I never opened an account. The reason Im writing is because I read that banks are NOT supposed to charge a fee to receive paper statements and that the law states its illegal to charge a customer a fee to receive paper statements. I told the employee this fact, but the employee did not care to waive anything. I left the bank without opening an account, but I have been to other banks also and they too try to charge monthly fees for paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # to all three credit bureaus. 

Transunion tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish there accounts on my credit report as well. 

Account : 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 2020-06-17
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX Discover states they did a soft pull of my credit and it was determined that my credit was lowered by this pull. Discover brought my card down to maximum utilization without the option to pay off before it destroys my credit score. I have never been late on payments with them and never maximize my credit limit. They states because I had multiple inquiries to purchase a vehicle, which would have been year ago in XXXX. They are hurting consumers during a pandemic. There response is that they are doing it to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, NY 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