BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: NY
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:
I filed an identity theft report ( XXXX ) in reference to XXXX XXXX XXXX XXXX account which experian ignored. XXXX removed it but they didn't. I have sent several letters to them but they refuse to remove it. I'm presently looking to sue them in small claims court here in XXXX. Because now they have prevented me from even accessing my credit report from annual credit report by removing my address from credit file an acting like I don't have an address on file. There doing this to act like they can't verify who I am but I have seceral credit reports from them in the past that have my correct information such as. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have Experian.com account where my report hasn't been updated since XXXX XXXX XXXX XXXX. I've sent in copies of bills and my Id but they have consistently refused to do what they are obligetd to do by law which is to remove the account in question in violation of the law and they are suppose to only distribute information that is correct acting as if I don't have an address on file is complete fraud they are doing it to circumvent the laws that they don't want to abide.

Company response to consumer: In progress
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2024-01-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is regarding US Bank. 

I received a cashier 's check in the mail from an unknown Sender for {$3500.00} and an offer to become a " XXXX XXXX '' at local businesses in my area. I was to enter the businesses, critique the staff and store, buy gift cards from several different specific stores totaling {$3000.00}. I was then to send pictures of the giftcards to the Sender. I would be able to keep {$500.00} for the XXXX XXXX services. I thought it sounded fishy and was suspicious. I took the cashier 's check to my bank and told the teller of my concerns. I asked her to confirm whether or not the check was valid. She took some time in the back, and eventually returned and told me yes, it had " gone through ''. She gave me the {$3500.00} in cash. I completed my services for the Sender, sent him the receipts as requested and was done with it. Approximately XXXX week later I received a notice from my bank that the cashier 's check had been fraudulent, and they wanted their {$2800.00} back as they had already deducted all my money, {$700.00}, which was all the money I had in the account. Understandably, I immediately cancelled the account and left that bank. Now years later, this has shown up on a credit application check.

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 2024-01-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the XXXX secured credit card they offer payment through XXXX with the card. upon trying this XXXX NEVER attempted to run it as a payment and solely ran it as a full transaction amount. despite me choosing this option of payment. When I asked XXXX they said the bank decline the payment option and then they went to apply full amount after rejecting offer. Call the bank the only decline they see is for the full amount of the charge. both point figures at the other. Went back and tried to purchase this same item took screenshots of me selecting the plan. then the recipet that came and the immediate order recipet online doesn't show payment plan and nothing on credit card side for pending transactions

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 2023-11-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian billed me {$26.00} per month without my approval, nor authorization to use my card. 
Experian failed to refund my {$180.00} for an account / program I never authorized. 

Second, Experian failed to remove inaccurate information : 1 ) XXXX  - I verified accounted has been paid ontime. 
2 ) XXXX XXXX - Experian has not provided valid and legible documentation, despite three disputes, that XXXX XXXX are my account.

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 2023-11-25
Company: Experian Information Solutions Inc.
State: OK
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:
accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
Hello, I am a Victim of Identity Theft. I discovered in XXXX that numerous accounts have been opened under my name that I didn't authorize and immediately began to try to correct it. I told Experian about all the accounts that were a result of Identity Theft and showed numerous reports and evidence proving that I DIDNT OPEN THE ACCOUNT. On XX/XX/2023, I came to an agreement with the creditor and had to PAY to close out the account even though it was a result of Identity Theft. When speaking to the creditor, XXXX XXXX, they told me how Experian didn't thoroughly investigate per the FCRA laws. The representative also commented how there are numerous inconsistencies to how Experian is reporting the fraudelent account. Due to Experian 's incapability of doing their job, I was forced out of my apartment due to an eviction. Had experian blocked the account like I asked them to MONTHS ago, I wouldn't be facing homelessness right now. I was denied lines of credit because of this XXXX account. I am seeking civil litigation against experian and I demand compensation for their carelessness. They took full advantage of the situation and did not properly investigate.

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 2024-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I obtained a loan with XXXX Mortgage in XXXX and my loan was transferred shortly after closing to SPS XXXX My loan has an amount of {$9000.00} currently in escrow and there is an overage of {$6700.00} that is due back to me from an overpayment of my escrow. I have requested a refund of the overpaid since XX/XX/2023 and each time I have called in I have received customer no service. There has been three escrow analysis done pertaining to my loan and yet each call has resulted in false information. SPS has said they issued a refund on two occasions and each occasion before a check being placed in the mail there has been a stop payment placed by SPS. I in good faith have never made a late payment, skipped a payment or been in default of my loan but this is creating a financial hardship on me and my family. I had to forgo my son continuing college because I was not able to satisfy his tuition payment because of this issue. I have spoken to the Ombudsman department with SPS and I received no assistance with them other than apologies and call back next week. I have been forced to request to close my escrow because of this egregious issue and am also reaching out to my congressman pertaining to this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This complaint is in addition to the closed complaint XXXX. 

On XX/XX/2023 I was robbed in XXXX AZ. My phone, wallet, and computer were stolen out of my hotel room. In addition to running up my credit cards the thief ( s ) proceeded to hack my phone, send themselves a {$1000.00} XXXX transfer, and wire {$1200.00} and {$5000.00} out on my checking and savings account. The total of the theft was over $ XXXX. 

All of the fraudulent charges have been returned by the financial intuitions except for the {$1200.00} and {$5000.00} wire transfers from my Wells Fargo accounts. Wells is claiming I am responsible for the someone using my user name and password. 

On XX/XX/XXXX, at approximately XXXX I met with a teller at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX. She put me on the phone with telephone banking to suspend all accounts and stop all the pending fraudulent transactions. There will be a recording of these calls and video evidence of that phone call. The telephone banker assured me that all my accounts were frozen and they had done all they could at that time to minimize the damage. At XXXX that XXXX  the wire transactions were still pending in my account as I took screen shots to share with XXXX XXXX ( attached ). If Wells Fargo would have proceeded to stop the wires on XX/XX/XXXX at XXXX that they never would have went through.

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 2023-04-17
Company: EQUIFAX, 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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am lodging a formal complaint against Truist Bank for their failure to provide adequate customer service and accurate information regarding my account documents. On XX/XX/2023, I contacted Truist Banks customer service for clarity on my personal account deposit agreement, specifically regarding the processing of social security XXXX payments. At my previous bank, such payments were accessible up to XXXX days earlier. 

To my dismay, the customer service representative declined to discuss this matter and instead, directed me to visit a branch. This was not feasible due to my work hours overlapping with the branchs operational times. Upon requesting to speak with a supervisor, I was eventually connected, but received only a subjective interpretation of the deposit policy. When I insisted on receiving the policy in writing, the supervisor placed me on hold, which resulted in a call disconnection.

Moreover, Truist Banks claim that account information is readily accessible online through my business account is misleading. The only document available is the online banking terms and conditions, which does not cover the necessary details.

I assert that Truist Bank has been deceptive and negligent in failing to provide customers, including myself, with physical copies ( whether through email, online account, or postal mail ) of crucial documents such as account terms and conditions, deposit agreement, and fee schedule.

This experience has left me with serious concerns about Truist Banks commitment to transparent and customer-focused service.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 Currently have some Fruad inquiries on my credit report. I did not authorize these inquiries. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2023-11-24
Company: Experian Information Solutions Inc.
State: TX
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: VA
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Dispute Follow-Up Regarding US DEPARTMENT OF EDUCATION Account with Experian, Account # XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to provide an update on the ongoing issue regarding the reporting of the US DEPARTMENT OF EDUCATION Account on my credit record by Experian. I appreciate your continued attention to this matter and wish to share additional information following my latest correspondence with Experian. 

Enclosed herewith is a copy of the most recent correspondence I received from Experian, dated XX/XX/2023. Contrary to their representation, Experian has not deleted the US DEPARTMENT OF EDUCATION Account from my credit record, and they continue to report inaccurate information despite my repeated requests for removal.

Experian 's acknowledgment of the dispute and subsequent claim of deletion are misleading and inaccurate. The US DEPARTMENT OF EDUCATION Account remains on my credit report, in direct violation of the law and my rights as a consumer.

I want to reiterate that, as per the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2, a consumer reporting agency is required to block the reporting of any information resulting from an alleged identity theft not later than 4 business days after the date of receipt. It has been well beyond this timeframe, and Experian 's failure to take corrective action is unacceptable.

I kindly request that the Consumer Financial Protection Bureau further investigate this matter and ensure Experian 's compliance with the law. I am seeking immediate and accurate deletion of the US DEPARTMENT OF EDUCATION Account from my credit record.

Thank you for your ongoing assistance in resolving this dispute. I appreciate your dedication to upholding fair and accurate credit reporting practices.

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 2023-11-25
Company: Experian Information Solutions Inc.
State: FL
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:
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, 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 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 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 2024-01-20
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Statement close date was XX/XX/XXXX. Statement was issued and payment scheduled for {$200.00} on XX/XX/XXXX. This is more than the minimum required payment. 
When the next statement was issued on XX/XX/XXXX for a close date of XX/XX/XXXX, it shows the {$200.00} payment made and included a late fee of {$29.00}. I immediately called Citibank and the customer service rep refused to review the account, telling me the payment was due XX/XX/XXXX, so the payment made in XXXX did not apply to the XXXX due date. I requested to speak to a supervisor. The supervisor, XXXX, also continued to repeat the XX/XX/XXXX due date, however, eventually agreed to remove the late fee. 
I can accept this being a computer glitch. However, the refusal to review the account, apply common sense, is unacceptable. It is though, they are trained to expect everyone to pay late and complain, so can't possibly entertain any other option.

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