BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
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.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF ED/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 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 2021-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed debt on my credit report that is not mine from this company. It is a result of identity theft. I filed a report with the FTC and submitted it and this company still verified this as my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my checking account at US Bank, but the initial opening deposit of {$25.00} was unsuccessful. Before account was frozen, I also deposited {$25000.00} into the account. However, US bank froze my account, so I was no longer able to access my money in the account, transfer money out or close the account. 

US bank simply took away my $ XXXX and walked away. I've spent almost 20 hours trying to going to different bank branches in person, talking with bankers and branch managers, emailing and calling customer services, but nobody really helped. Everyone just said they were not able to do anything, please reach out to someone else. 
I was even told that my account was in the automatic process of being closed, account would be completely closed on XX/XX/XXXX with the $ XXXX balance mailed to me by check. However, nothing happened and the account is still Open and Frozen. 

It has been the worst worst worst bank experience I have ever had. None of the local branch, bankers, branch managers, customer services representatives helped me, the only thing they could do is to ask me to reach out to someone else. Now my money of $ XXXX is frozen in the account, and nobody is able to close my account and get my money back. 
US Bank is cheating customers by lying to customers that account was already being closed, also cheating customers by forfeiting customers ' funds which are in urgent need to use. 

I need this money in the account super urgently because I need it in hour purchase. If US Bank is delaying my house purchase in the hot market, please compensate for all my loss. 

WORST bank ever!!!!

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 2023-12-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
We purchased a product which was financed under a promotion that qualifying payments would not incur interest charges. Once the product was purchased, we enrolled in auto-pay for an amount recommended by the lender. Without notice, we received deferred interest almost doubling the amount owed because the time period for the promotion had expired. I received no emails nor notifications warning of the deferred interest. Had I known the proposed amount for auto-pay was insufficient to pay the balance in full before incurring interest, I would have upped the amount paid monthly.

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 2022-09-13
Company: GOLDMAN SACHS BANK USA
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/22, I deposited XXXX into a Marcus by Goldman Sachs Savings account and XXXX into a Marcus CD account. Since depositing the money into the savings account I have not had access to my funds. I have continued to receive this message : the website is having technical issues or we can not process your request please try again. I called on XX/XX/22 regarding the issue and was told my account was in good standing and that IT will contact me. On XX/XX/22, I was contacted by IT and was told they had to contact my bank that was linked to verify that was my bank and these are my funds. Which I didnt understand because they didnt need a verification to accept my money. After, calling my bank via 3 way and verifying with my local bank that these are my funds and the bank that I bank with I was told I should be able to access my Marcus savings account. However, that still was not the case so I requested my account be closed and my money be transferred back to my linked bank account. I was told that the account would be closed on Thursday XX/XX/22. I called Sunday, XX/XX/22 to verify if the account had been closed and I was informed that it was not closed and would be closed today XX/XX/22. I called today to make sure the Marcus savings account was closed and sure enough it was not closed. I was told it was never closed on Thursday by the rep and she stated that it was a request to closed the account yesterday XX/XX/22. However, it was still open. I have not been able to access my money since I have placed it in the XXXX XXXX account on XX/XX/22. I am so frustrated about this entire situation that I requested that they closed the CD account today XX/XX/22. Can you please help me retrieve my money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One Account closed XX/XX/XXXX balance {$260000.00} they say was sent to me by cashiers check via regular mail. no tracking... 

XX/XX/XXXX still no money, No check, no tracking number. Customer service no help. They say " another Team has it '' I'm out {$260000.00}, Unable to pay bills, They can't tell me when I'm going to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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:
I paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXX XXXX  XXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am submitting this follow up CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified several erroneous accounts that are negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate these accounts and make the necessary updates to ensure that my credit report is accurate. The following accounts are erroneous and should be removed from my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. I have included a copy of the dispute letter I recently sent highlighting these accounts for your reference. I would appreciate it if you could provide me with an update on the status of my dispute within 30 days as required by the FCRA.

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 2021-10-29
Company: Santander Consumer USA Holdings Inc.
State: IL
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 file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick 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 2021-11-02
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX ( CONSUMER ) did not consent to, authorize nor benefit from any of the following inquiries which is identity theft, Block and remove them 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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my XXXX XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to them.

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 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Account XXXX is inaccurately reporting on my credit profiles associated with my social security number and are in violation of my consumer rights per the following : Based on the provided credit report, there are several inconsistencies that can be found among the credit bureaus. These include : Account Type  - Detail : XXXX and TransUnion reported the account as a credit card, while XXXX did not specify the account type. 

Account Status : XXXX reported the account as open, while TransUnion reported it as derogatory. 

Balance : XXXX reported a balance of {$260.00}, while TransUnion and XXXX reported a {$0.00} balance. 

Credit Limit : XXXX and TransUnion reported a credit limit of {$300.00}, while XXXX did not specify a credit limit. 

Payment Status : XXXX reported the account as late 30 days, while TransUnion did not have any information on payment status. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the account type and balance are a result of inaccurate reporting. 

Section 623 ( a ) ( 2 ) requires that if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The fact that the consumer disputes the account and has no knowledge of it suggests that a reinvestigation should have been conducted to resolve the dispute. 

Section 623 ( a ) ( 5 ) requires that if a consumer disputes the accuracy of any information in their credit report, and the dispute is resolved in favor of the consumer, the consumer reporting agency must promptly delete or modify the inaccurate information. If the reinvestigation reveals that any of the reported information is inaccurate, the credit bureaus should delete or modify the information as required by law. 

In summary, the credit report shows several inconsistencies that violate FCRA sections 607 ( b ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ).

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 2023-03-02
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking accounts with US Bank were placed on a hold. Called customer service and they said the hold was placed by the branch. Called the branch, they said the hold was lifted and that mobile banking access would be reinstated. 

Had to call customer service, waited 45 minutes for mobile banking to be reinstated, once I had access I realized I can not use XXXX, card or deposit. Had to call c.s again and they said theres still two hold, waited on the phone 45 minutes again to be told the branch is working on it Called the branch and they said theres only two of us here so you have to wait.

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 2023-03-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also 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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the credit bureaus but they did not remove them, nor prove validation.

Under Sec. 602 FCRA " I have a right to privacy '' XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Unspecifies Account Name Account # XXXX Unspecifies Account Name Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 my mortgage insurance company sent an invoice to PennyMac my loan servicer for my annual homeowner 's insurance premium totaling {$1300.00}. As of XX/XX/2022 they still have not paid my homeowner 's insurance carrier, but decided to pay their own carrier {$3700.00} from my escrow account. I consider this nothing more than Fraud. I have submitted to them the correct invoice for payment, and demanded they refund my escrow account, and as of now they still haven't done so.

Company response to consumer: Closed with explanation