BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer. 
Account Name : XXXX XXXX Account Number : 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 2023-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-12
Company: Experian Information Solutions 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 have attached an FTC report with an account that is to old to be reporting to my credit and fraudulent inquires I did not authorize

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 2023-04-13
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:
XXXX XXXX Acct # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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.

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 2023-04-13
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had an active Victoria Secret account ( with a store credit card ) that my wife was using to purchase goods at their store, until recently. She always made her payments on time, and at her local Victoria Secret store in the XXXX area or via phone. However, strangely, we received invoices of this credit card ( two previous times as well ) some kind of late fees on the account even though the balances were always paid in full, or at least well above the minimum required payment. Yet, after explaining to them why they erroneously charged us the last XXXX times ( where they helped reverse the fees, but ONLY if we agreed to keep the line open ) they did it AGAIN just about 2 weeks ago. After several attempts to try to deal with the " late fees '', and trying to reach their customer service, they have infuriated me beyond belief. I am a terminally ill XXXX patient and I have no money nor time to keep going after them for their mistakes and, what feels like, financial abuse. They kept charging the late fees on a fully - or almost ENTIRELY - paid credit card, alleging that we incurred some kind of separate fees of {$2.00} ( on my statements ) and that they would then proceed to charge late fees of an additional $ XX/XX/33 as well because of these unbeknownst and aforementioned separate fees of {$2.00} - whatever they were. I am sick and tired of the back and forth and want an immediate resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TN
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 explanation
Consumer complaint received 2023-04-13
Company: MoneyLion 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:
MoneyLion Acct # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: WELLS FARGO & COMPANY
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:
Wells Fargo XXXX  # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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.

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 2023-04-13
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I noticed that a fraudulent check had cleared against my KeyBank checking account 2 days earlier. 

I called my bank immediately and they told me it was obvious that it was a fraudulent check as the person had whited out some areas to write over fraudulent information. 

When I asked if I would get refunded, the bank indicated that they would investigate and let me know. Although this was obviously fraudulent, I was not told I would obtain a refund. The bank told me they would have to freeze my account and open another account for me. I was also instructed to file a police report. The police mentioned this type of fraud had been happening frequently recently and may originate from someone stealing and copying mailed checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: KY
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 ( XXXX ) 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-13
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Today, XXXX XXXX XXXX, I attempted to open a XXXX XXXX XXXX Account at XXXX XXXX ( a division of Texas Capital Bank ). I provided all required information including my full name, address, social security number, phone number, email address, employment information, and annual income information. I completed signing off on all terms and conditions and was told to have my ID ready for verification along with a mobile device, which I did. When I finished entering this information I was told that they could not open an account for me based upon the information provided. I called customer service and spoke to two different representatives, neither of whom could answer my questions as to why my application had been denied. They were only able to point to page 10 of their account agreement terms and disclosures under " Obtaining Consumer Information '' as to why it was rejected. I provided all of that information and as I told the representatives I have opened bank accounts in the past year with zero problems. They apologized and said they couldn't give me any more information as they use a third party verifier to validate application information and they had no other insights. I informed them that ultimately, XXXX XXXX is responsible for the performance of third parties providing services on their behalf and that this is an unacceptable situation. I was told that my complaint would be forwarded and my application forwarded for further review but that they could not do anything further at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: VI
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I just found out last week, the week of XX/XX/XXXX, that my car is out for repossession - apparently since XXXX of XXXX. The way that I found this out is that I got a credit alert that an account has been closed, and unbeknownst to me, it was my car loan through USAA for my XXXX XXXX XXXX. I am still in possession of the vehicle. 

I was under the impression that my loan was on autopay and would be drafted from my account. The really frustrating part of this scenario is that I have the means to pay all of my past due balances in addition to a good-faith payment to bring my account current. All that I want to do is to continue to make regular payments on this vehicle, set up to draft automatically, and to stop repossession attempts. 

I called USAA multiple times this week and spoke with different representatives and escalation specialists for hours, but they said the only remedy would be to pay the remaining balance in full. This amount is nearly {$50000.00} and I can not make that type of payment all at once. I even offered to make a good-faith payment in addition to all past-due payments to show my willingness to pay and continue to pay - but every representative, including managers, said that once it is marked as a charge-off, they have no other options. 

I was reading the promissory note and saw that there are many different remedies that can be taken - as well as both parties coming to a mutual agreement. 

To summarize : All that I want to do is to continue to make regular payments on this vehicle, set up to draft automatically, and to stop repossession attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XXXX, my previous mortgage servicing company XXXX XXXX, notified me that loan servicing was being transferred to Roundpoint Mortgage Servicing Corporation, effective XX/XX/XXXX. I had already sent my XX/XX/XXXX to XXXX XXXX on XX/XX/XXXX, before being notified by either company of the transfer. I began making monthly payments to Roundpoint XX/XX/XXXX, but they began calling me before mailing any statements, saying I was behind in payments since XX/XX/XXXX ( sent to XXXX XXXX ). After several calls to their customer support, they explained that my monthly payment increased by {$480.00}, due to escrow shortfall, going from {$1400.00} to {$1900.00} per month. Roundpoint also said they would request the XX/XX/XXXX from XXXX XXXX, where it was sent. To date XX/XX/XXXX, I have made 4 months ( XXXX, XXXX, XXXX, XXXX ) worth of payments, from my XXXX XXXX XXXX XXXX XXXX feature, totaling 4 x {$1900.00}, my bank lists transaction dates as follows : XX/XX/XXXX, XXXX XXXX, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} ( special payment to make up 1st 3 payments shortfall ) XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1900.00} The latest Roundpoint billing statement dated XX/XX/XXXX arrived in mail today XX/XX/XXXX, stating I owe {$3600.00} due by XX/XX/XXXX, else incur late fee of {$54.00}. The statement mentions that partial payments are kept in a suspense account, rather than being applied properly. Even if I overpay on XXXX, I am highly suspect that they will apply all payments properly and promptly, and continue to charge me late fees. 

Other people have reported troubles with Roundpoint, the same as mine, which have been described in reviews here https XXXX XXXXroundpointmortgage.com Roundpoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC 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