BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
A late payment previously reflected on my Experian credit report in XXXX and an investigation in XXXX removed the incorrect late payment. 

On XX/XX/XXXX the late payment was added back to my credit report. I have spoken with the furnisher and they have confirmed there is no late payment for the closed account. Experian will not allow me to dispute this because it was previously investigated ( and they had to correct it ) in 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 2022-04-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/XXXX, I cahsed out a check {$3100.00} my friend gave to me one month ago at US bank XXXX XXXX and the check was bounced ( my friend forgot about the check ). I went to the same branch fixed it right away by depositing some cash and a new check XXXX given by the same friend and he was apologetic. I was told to wait meanwhile my account was on hold. The branch was trying to fix it with me to save my account telling me it should be fine by the next week. Weeks later, my account was under closure after I called the customer service. Meanwhile I emailed my account manager from the branch where I opened my account, US bank XXXX XXXX XXXX, in XXXX LA, and informed him about what happened and asked him to help me keep my account. I got no response. So I emailed the manager XXXX XXXX for help and no response. I had a direct deposit to this account for about {$900.00}, and I called the XXXX branch and I was told that if my account is closed and I should get a check fromt he bank after they close my account. It's been more than 2 months I've been waiting, a few weeks ago I called the XXXX branch again and they didn't see the check mailing out, so they asked me to contact my branch manager, XXXX XXXX. So I called XXXX branch and asked for XXXX XXXX 3 times and I was on hold for average 12 min on the phone and no response. So I rang XXXX XXXX XXXX asking for help cause I had not got any responses after I left him a few voice messages and emails. XXXX XXXX XXXX told me on the phone that my case went to fraud department and it was out of his hands, and I was asking which number I could call or any department I should contact about my check. He told me to get back to me and never did, I emailed him one last time in XXXX XXXX for the number he was going to give to me and no response. It's been 2.5 months and quite frustrating when no one respond, no one cares. I determined to close my account when dealing with a bank like this. I am still a credit card holder of this bank and the way they treat this case and their customer is just unreasonable and rude. I don't know why they keep ignoring this when the help is needed. Right now I intend to get my money back, since that's how they treat the customers, I would never have any business with a company like this, it is obsurd. Please help me to get them respond and send me my money remained in that account. 2.5 months, no responses, no explainations whatsoever. I don't know what they are doing, such a shame.

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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Letters were submitted to all 3 credit bureaus ( Transunion, XXXX, & XXXX  ) on XX/XX/21 regarding inaccurate information listed on my credit report. As to date, there has not been a response to the verification inquiry/dispute. 

The verification request was in regards to XXXX and XXXX XXXX. XXXX XXXX is listed on my credit report multiple times. 

As you know, according to FCRA the credit bureaus have 30 days to verify the debt or remove them. It has been more than 30 days and there has not been a reply to my request for verification and my credit report suffers due to these inaccuracies.

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 2023-03-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; 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 2021-04-26
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I have a Mortgage with Quicken Loans / Rocket Mortgage that was the subject of a Re-finance more than 3 years ago. Under the terms of the mortgage, I have the right to make " Pre-Payments " of the Principal Loan Amount at least once per year and have my loan " Re-Amortized " and the monthly payment " Recast " to reflect the new Outstanding Loan Balance at the contractual rate. I recently phone my lender and informed a customer service specialist in loan servicing that I intended to make a " Principal Pre-Payment " and wanted to know the best time of the month to send in the payment so that all the attendant paperwork could be completed and my monthly Payment Recast by the following month. This agent proceeded to tell me that the process typically takes at least 3 months to complete ( which I know is XXXX because I have done it before with another lender ). I was not born yesterday, and am aware that the lender can earn " Float Interest " with the Federal Reserve while this process is being drawn out. I also attended law school many years ago and have enough legal sense to know that it is a fairly simple process from the standpoint of legal paper processing. After all nothing is changing about the property or the borrower that are the subject of the loan agreement. I feel like a simple letter or a phone call from one of your agents to this lender should be sufficient to let them know that they are being monitored and will not be allowed to get away with dragging their heels in this process. My contact information is as follows -- XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX. My phone contact is XXXX. Thanks in advance for your assistance with this vexatious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2022 I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Waiver when they clearly have not. This is happening to thousands of borrowers and it is causing huge stress and trauma. This is just another example of abuse that student loan borrowers have been under with this loan servicer. After years of being lied to by XXXX and Fedloan about the PSLF program this is just icing on the cake of XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions 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:
On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. Experian has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. XXXX has updated my report with the results of removal of my XXXX XXXXXXXX accounts as they should. The other bureaus XXXX  and Experian are still reporting an account which they should be in compliance with XXXX. XXXXXXXX XXXX XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.

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 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want to state that this complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XX/XX/XXXX- XXXX - - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TrueAccord Corp.
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
To whom it may concern : I've been receiving several text messages and calls since XX/XX/2023 regarding a debt from TrueAccord for {$780.00} for the Creditor XXXX XXXX XXXX. 
Also I've been receiving calls from XXXX XXXX. 
I never contracted any service with this company and I don't recognize this debt. 
I will appreciate your help and support to clarify this situation. 

Thanks in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-12
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls sometimes 3 or 4 times a day but always atleast 2 times a day and sometime 45 mins or less apart. They have also been leaving kinda theatning message as well. I am on a fixed income and can not work or i would of paid it. I also was homeless for several months. These phone calls have been going on for over 1.5 yrs!! I believe they are breaking the law by repeatly calling me more than once a day. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, l had inform the bank wells fargo that l had authorized the transaction shown on my bank account on XX/XX/XXXX as the sum of {$99.00} and quickly objected to the dating service by dream singles. The bank had in a letter from the bank, letter of date of XX/XX/XXXX inform me that the {$99.00} provided to me on XX/XX/XXXX provisionally because of the transaction that had occurred on XX/XX/XXXX will be deducted from my checking account on XX/XX/XXXX, that had occurred because of the bank reversal of the sum of {$99.00} for the service, dream singles. The letter the bank had sent to me had went on to say that, if l have questions or would like to take advantage of my right to request copies of the documents that well fargo had relied on in making their decision l can contact the bank, wells fargo. When l had contacted wells fargo, l was inform by the customer service representative that. It will take up to 30 days for the bank to provide to me any of the documents, the bank had relied on in making the decision concerning the transaction posted to my checking account on XX/XX/XXXX. Which is a violation of any law of any nation and the rule of the federal deposit insurance commission and of the consumer financial protection bureau that would require any evidence that was use in posting a bank account transaction and in making any decision involving a bank account transaction or atm withdrawal involving a pin number so as, to verify that any of such transaction was made to be supplied immediately because the transaction was posted on my checking account by the company, wells fargo bank for the accuracy of any transaction stated on the checking account that l have at the bank, wells fargo. Any of the dating service company mention in my letter, had said that any member can cancel his or her membership without notice.

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 2023-11-28
Company: Collection Management Holdings, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has engaged in very abusive, deceptive, and unfair practices that are not prohibited by the FDCPA. They've have reported an account without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My daughter was born on XX/XX/XXXX. I am filing a complaint against XXXX XXXX and Americollect. XXXX XXXX stopped communication in regards to the account/claim from XXXX. I have been in contact with them from date of service until XX/XX/XXXX. They did not contact me by phone or email to tell me they werent going to bill my PRIMARY Insurance nor that they were sending it to collections. Aside from improperly sending it to collections without collecting insurance payment when given accurate group information. They also sent the same bill to Americollect twice! They put 2 hits on my credit report ( XXXX ) and I lost nearly 50 points due to their negligence and unprofessionalism. My primary ( XX/XX/XXXX ) and secondary insurance ( XX/XX/XXXX) should have been billed before anything were sent to a collection agency and I should have been contacted to complete a 3-way call if the claims were denied or difficulties with submitting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days 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 ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: DriveTime
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
DT CREDIT Address po box XXXX XXXX, AZ XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
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 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 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 2021-04-26
Company: American Financial Resources, Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid a one time payment on my house loan. The next month they tried to take another {$40000.00} from my checking it was to be a one time payment not two months in a row. The money not being there bounced causing {$75.00} in fees. Its been going on for to long over 3 weeks. They tell me theyre working on it now I have a letter that says I owe them the {$40000.00} back. After I paid the first {$40000.00} I didnt owe that much. The are telling me that the payment I made of {$70000.00} bounced and it did not I have never bounced a check in my life. Then on SaturdayXX/XX/XXXX I got another letter saying I am in the rears no I am not. They are costing me money and my credit. All I get is when I can get them to return my calls is I am working on it. It should not take 3 weeks to fix this. It should not take a week to return a phone call.

Company response to consumer: Closed with explanation