BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-13
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I was checking my account online and seen an unknown electronic withdrawal pending for {$810.00} I call my bank and was sent to fraud prevention I asked him to please put a stop payment on the company and not allow this transaction to go thru .. that was successful but in turn I was paid my direct deposit {$4400.00} the next day my paycheck and went to pay my bills and my funds where put on hold both my business checking account and my savings account, I called right away and was told I need to go into a branch and they could lift the hold but there where no notes attached to my account except Do Not Remove Hold and to contact XXXX XXXX XXXX XXXX XXXX  with any questions. Went directly to my main branch talked to my branch manager XXXX she looked everything up and could only send a message to XXXX so she did no response until XXXX and the response was to tell the customer ( Me ) to refer to my deposit Agreement that I signed when opening my account and that they have 30 days to review my account before releasing my funds. Nothing has been resolved I have called many more times and all I get is no one knows what to do or they can't do anything yo help me.. main branch has reached out to many upper management and to no resolve. I called again on XX/XX/2022 and talked to a man in my business banking department he said the hold was scheduled to be lifted at XXXX. I got online at XXXX and tried to withdrawl my funds and the hold was back on. Called in the morning and was told a new hold was put in place on the XXXX of XXXX. I have been given zero reasons for this hold on both of my accounts and I run a small business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is making it impossible to run my business and to pay my bills my mortgage payment is due no later that the XXXX and so my mortgage is going to be late along with all my other bills. I find this to be unexceptable and very unprofessional. There is no explanation of why my bank is doing this I owe them nothing and they are withholding my money from me. Thank you I hope you can help me resolve this. 
This is U.S Bank in XXXX Wa

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 2023-03-13
Company: Experian Information Solutions Inc.
State: VA
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:
Experian is steel reporting the Inquiries that are false and fraudulent and they hurting my credit report Experian keep Violating my rights as a Consumer and the Inguiries was not never remove this a Violation Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information and a Violation of FDCPA Section 807 Violation Misleading False Reporting So all Inquiries need to be remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: AMERISAVE MORTGAGE CORPORATION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want to ask the CFPB to open an investigation so AMERISAVE MORTGAGE does not continue to evade its responsibility to respond to small claims filed by consumers. I am going through a very stressful time with AMERISAVE MORTGAGE. I filed a small claim against this company, which is reporting the accounts involved in this matter. 

The case I filed is based on several violations that AMERISAVE MORTGAGE has committed : 1 ) I visited XXXX on XX/XX/2022, to make my XXXX payment and completed my payment. I think went about my business and tried to log in to make an extra payment but found that my online account had been locked and I could not access my account. I called the mtg company and was told there was an outage. At the time I was not told my payment was late 2 ) Later the next month I got an alert from XXXX that my payment was late. I think proceeded and immediately made the payment. 
3 ) I never received any communication from the mortgage company regarding the XXXX payment not being received. 
a. I didnt receive mail indicating a missed payment. 
b. I didnt receive any phone calls regarding XXXX payment being late or not received. 
4. I called and spoke with customer service the exalted rep in the collections department XXXX informed me that my phone number had been marked as unknown. While the system indicated calls had occurred, they actually hadn't. She said that there is an autodialer but when a phone is marked as unknown the calls dont actually go through. This would explain why I dont have any record of calls from Amerisave nor did I receive any voicemail whatsoever regarding the XXXX payment not being received by Amerisave. 
I didnt receive any Emails indicating late payment. 
5. I asked for the website system log and none was provided to me. 

I am attaching the proof of the filing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After trying for 2 months to settle a billing dispute with XXXX XXXX I was left with no option but to contact Capital One to charge back the amounts by phone on XX/XX/XXXX. On XX/XX/XXXX I again contacted Capital One by phone because I had not received any confirmation that that the chargebacks where initiated. After an hour they finally confirmed the chargebacks where filed but there was no assurance XXXX XXXX   would not be able to continue charging my account even though the card was cancelled. Then when I asked to completely close the account they told me if I closed my account they would not pursue the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, .The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company

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 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
BMO purchase Bank of the West but is not supporting account holders in getting this document. It is not available on client portal site. Nobody on phone seems to know how to get it to me. I've spent hours on the phone for this very simple request.

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 2023-09-08
Company: Omega RMS, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$3700.00} for services I never used and refuse to remove it from my credit report, in direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Pursuant to 15 usc 1692 C ( 2 ) I am invoking my specified remedy as a consumer and the original creditor I am demanding all accounts be removed from third party agencies because I have a right to privacy the agreement was between XXXX parties not any of the agencies that have my personal information on a website this is my right given by fair credit act PLEASE REMOVE FROM ALL AGENCIES IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
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:
This was never my car loan car loan was for XXXX XXXX i never lived at the address that XXXX XXXX XXXX is on my credit and I would like for this to get removed of my credit report the account has been closed and paid off.

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 2023-06-05
Company: ADP Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 an unauthorized withdrawal of {$260.00} was made from my account with Wisely pay.I had my card in my possession at the time.I called and reported this and my card was canceled and a new one issued.I was transferred to the disputes department who advised me that I would receive a statement of fraud form in the mail, to fill out and return.I received it on XX/XX/2023. I filled it out and emailed to the address I was given.On that same day, I received another email stating that they did their investigation and there was no error so I will not be getting back my money. On XX/XX/2023 I wrote and mailed a letter asking for all the evidence and documentation that was used to determine the outcome of my case. I haven't received any further correspondence, therefore this complaint.This is very inconvenient and frustrating to me. My physical card was never used because it was with me. I was never at that location on that day. The company info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am still in possession of the card that was canceled. So if there is a way to verify that my physical card was not used, that would be helpful. 
I eagerly anticipate a reply. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2018-08-20
Company: EQUIFAX, INC.
State: WI
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:
An account with XXXX XXXX XXXX and XXXX was in dispute which unfortunately lead to being sent to collections. The details were worked out amongst myself and XXXX XXXX XXXX and XXXX in XX/XX/2018. They advised that they reported to all agencies that my account is no longer delinquent and not under collections. They advised that credit reporting agencies take up to 90 days to remove but they sent the request already in XX/XX/2018. At maximum, that would mean until XX/XX/2018 would that remain appearing on the report. To date, false information is continued to be reported on the credit report thus impacting my credit score I have worked so hard to improve all due to their delay or lack of following through with applying appropriate information. There are not any derogatory accounts nor are there accounts in collections and I desire for them to remove that indication on all credit reports. It is negatively impacting my interest rates on loans I apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that 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. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-02-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint purchased my mortgage from drop mortgage XX/XX/2019. The first payment made was sent and credited correctly. The payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2019 were made and were never credited or recognized by shellpoint. I have bank records showing this payments were debited from account but Shellpoint would not credit my mortgage account for them. We had the bank track the routing of the payments and they confirmed deposit in Shellpoints bank. 
Additional to the theft of payments, Shellpoint tried to draw funds from accounts that were in my underwriting file that were never associated to the mortgage. This was identify theft. They refused to track the IP addresses, which would clearly show the log in for this fraudulent activity was located in their office. 

They have since refused to communicate about either issue. It seems like after initial investigation they are trying to brush it under the rug and cover it up. I believe this would be a RESPA violation, larceny, wire fraud, and identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions 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:
I have contacted XXXX XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

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 2023-03-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$610.00}

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 2022-03-22
Company: LEXISNEXIS
State: AZ
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 very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is not  acting ethically in the way my extra loan payments are allocated. They have mandated that my payment is due on the last day of my " billing period '' each month. As a result, there is only one day, out of each and every month, that I can make an extra payment and have it applied directly to the loan token/loan number, of my choosing. 

As an example, my payment is due on the XXXX of the month, which they have determined to be the last day of my billing period. If I schedule an extra payment any time after that, they tell me I have not yet met my payment for the " new billing cycle. '' They take that extra payment and break it up across all my loans ( which is allowing them to take my monthly payment 29 days in advance and still making sure they are controlling where my money goes. ) As a result, any time before or after my payment is due ( XXXX of the month ) they control where it is applied. 

They have refused to change my billing payment period or my payment due date.I can not be the only student frustrated with this process. Student loan debt is out of control due to heavy handed tactics such as this. I have spoken to Great Lakes representatives numerous times and they always insist that this is their policy with EFT ( Electronic Funds Transfer. ) I do not want to change out of EFT because of the additional incentive they provide, that is a reduced/discounted interest rate for those signed up for EFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation