BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NY
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/2023.

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 2020-06-13
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
American Express prepaid Gift card company I have reading today not to use them, just saw it or I would not have. 
I just reported American Express -they seem not to care thief recordings are not right and now they hire people who can not speak English very well before I could put my order in on their card the money was stolen, and American Express states they can not help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2023-07-13
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BANK OZK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
About a year ago I opened an account at Bank OZK XXXX XXXX XXXX XXXX, XXXX, GA ( XXXX ) XXXX. During this time I had several overdraft fees and got charged several XXXX dollars. I kept looking at my transactions and they never were in the correct chronological order. On XX/XX/XXXX  I was had two transaction go through for under {$20.00}. My account went negative {$18.00}. I got cash and I went to an ATM in my town and I deposited {$20.00} cash to bring the account back positive. 
The next day I got paid by my employer. When I logged into my account I noticed that bank of OZK charged me {$70.00} ( 2 ) overdraft fees despite me bringing the account positive. 
I went by the bank at XXXX XXXX XXXX XXXX, XXXX, GA ( XXXX ) XXXX. I stated the same that the night before I deposited {$20.00} cash and the transactions were never in chronological order. 
The manager stated that her hands were " tied '' so couldn't give a refund for {$70.00}. Thank I asked her to close my account. Than she said if I kept the account open she could refund 1 time overdraft fee. I said no I'd like to close my account. They refused to give any refund. 
I also noticed that the bank changed the transaction for the overdraft for the prior day instead of the same day. On the XXXX the {$70.00} overdraft did not show. However on the XXXX they posted it as it was charged on the XXXX prior to me adding cash. This is like changing the chronological order after the fact. The already created transaction history was changed the next day which I noticed happened also in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
I attempted to update the information and addresses on my credit report. However, I was blocked by each of the credit bureaus. When I called to update my report via telephone, I was informed by the bureau representative that XXXX XXXX and Indigo are the reason. They reporting a status of charge off each month and then closing the account. This is why I am not able to dispute the incorrect post office address portraying as a residential address that is currently in someone else 's possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-05-18
Company: Synovus Bank
State: AZ
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:
The credit card charged an annual fee. This is second year they have done this. I thought the card was closed. I don't have it or use it. I am a XXXX XXXX so I am not present at home for random mail ( been gone 2 years ). First progress apparently charged a XXXX annual fee ( had no knowledge of it ) and added multiple fees ( now up to {$99.00} ) in a week!!! I found out when my credit score while buying a house decreased XXXX points for 30 days late so I quickly tried to call and fix it. 1 week later they reported AGAIN as 60 days late and now {$140.00}. None of this is correct. I paid the {$99.00} immediately after I saw what was going on even though I don't feel as though I owe them a dime. They told me I had to fax a letter why so I did. No response and no one will discuss it they just keep nailing me and now have it as {$58.00} going in 90 days. It's completely wrong and no one will fix it or help me. It destroyed the chance I finally had to purchase a home. Why would they not fix the situation and why is it legal for them to continue with fraudulent information? Please I need help fixing this!! XX/XX/XXXX XXXX points 30 days late. XX/XX/XXXX 2 weeks later XXXX 60 days late. Honestly I feel like it's fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH Mortgage is refusing to respond to our request for the payoff statement to our current loan. The original loan was only under our father 's name and he passed away few years ago. The title of the property has been under my parents, myself and my wife for the last 15 years. After my father passed away, the title ownership continued to remain to 3 of us due the the joint tenancy in the title. Our loan officer originally requested the payoff from PHH on XX/XX/2021 which included the following documents. 

Full appraisal of property due to PHH demand for an appraisal Death certificate of our father, XXXX XXXX XXXX XXXX of me and my wife Written Certification and authorization form signed by us to request the payoff Title records showing legal proof of ownership of the property It took PHH mortgage 's XXXX department 3 weeks to confirm that the title records show sufficient proof that we are the legal owners of the property. After that they claimed that it would take 4 business days to receive the payoff statement. Today we received another email from PHH that we do not have sufficient authorization to request the payoff starting the process all over again. We are not sure whether they are doing this on purpose or that they are that incompetent. All we know is we have wasted our time and our loan officer has advised us that it would cost us additional {$1600.00} in fee to extend our lock for the refinance if we can not receive the payoff statement immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
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:
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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX allowed fraudulent transactions and charges repeatedly throughout year XXXX. All credit bureaus are reporting against XXXX police report XXXX and other evidence of the unauthorized fraudulent transactions and charges

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 the 3rd time I try to fix this issue with Transunion. I have contact and retained XXXX XXXX XXXX, Your Credit Reporting Agency ( Transunion ) has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next legal steps. 

Please cease and desist all reporting of these accounts : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Failure to fulfill your fiduciary duty as a data furnisher will inevitably result in a lawsuit filed by XXXX XXXX XXXX on my behalf. You have a fiduciary duty under the FCRA 605 ( B ) to respond within 4 business days of receipt. 

FCRA 605 ( b ) reads ; A consumer reporting agency shall block the reporting of any information in the file of a consumer, not later then 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 non-monetary relief
Consumer complaint received 2018-09-12
Company: BB&T CORPORATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sent BB & T a {$9500.00} Principle only payment on XX/XX/18 with a letter saying : " Apply the enclosed {$9500.00} immediately to the principle balance of the loan. DO NOT apply this amount towards interest or regular monthly payments. '' on XX/XX/XXXX18, both the {$9500.00} check along with regular {$940.00} mortgage payment cleared our bank. I get a statement from BB & T dated XX/XX/XXXX18 showing that only {$9000.00} had been applied to principle out of the combined XXXX. Called BB & T. They could not explain why the full {$9500.00} was not applied to principle. They refused to recalculate interest for XXXX even though the loan amount was less for most of the month. 

BB & T has stolen thousands of dollars by misapplying payments and misinforming me about how to remove PMI over the Couse of the loan.

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 2023-10-08
Company: Sombrero Capital LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Land Contract with XXXX XXXX XXXX Reported : XXXX XXXXXXXX XXXX as current with a XXXX Balance. On or before XX/XX/2023, XXXX XXXX XXXX attempted to contract with XXXX XXXX XXXX XXXX to purchase my contract for which I received a voicemail verifying that they were in the process of purchasing my contract and that Covey Financial would be collecting the payment. I am still currently paying my contract at XXXX XXXX XXXX and have been advised by XXXX XXXX XXXX that an agreement had not been signed by XXXX and XXXX XXXX XXXX I advised XXXX XXXX  that Covey Financial had contacted me and continued to try to collect on the contract that was still owned by XXXX XXXX XXXX XXXX They advised me that they would correct the issue since Covey Financial was reporting to the credit bureaus of the failed payments for which they legally can not collect or report. I have disputed the Covey Financial reporting with XXXX and notified Covey Financial that they legally can not collect on the debt. Covey Financial refers me to XXXX XXXX XXXX. for which they have a contract, who assured me on multiple occasions that they would correct the problem. XXXX has researched my dispute and reports that Covey verified that the account belongs to me and currently is reported as delinquent even though I pay XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My FHA mortgage has been in forebearance due to member of the household being affected by the pandemic. I have been trying to reinstate my mortgage since XX/XX/2021 with a COVID 19 no doc partial claim. Mr Cooper has refused to evaluate my FHA loan for COVID 19 loss mitigation instead insisting I apply for a regular loan modification, or regular partial claim that requires extensive documentation and waiting for an approval. I have submitted updated ML XXXX as proof I qualify for a no documentation COVID partial claim. I have stated I have the ability to resume my regular payments and I live in the home. I never applied for or was approved for a government trial payment plan. ( A TPP is not required by the cares act ) Mr Cooper is refusing to follow the laws governing The handling of FHA mortgages. As set out by the cares act and updated ML XXXX. They also seem to be engaging in punitive retribution against me for complaining, through increased aggressive collection, and inaccurate reporting of their activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX had my child support payments deposited into accounts that he was not intited to, according to USAA XXXX XXXX put my name As a profile as we were married in which we have never been married. When I talked to a XXXX from the fraud department she stated there was multiple accounts that had me as a profile as spouse but I did not have access to the bank accounts. According to her statement since we resided together during that time they were going to treat as we were married and he was intitled to my child support payments and other deposits that are unknown to me at this time. When I asked for a copy of the bank statements I was told she is not able to give me those bank statements due to my name is not on the accounts. When I asked XXXX how can someone deposit money into a account that does not have my name on the account that I do not have access to. I was told if I wanted a copy of the statements I would need a court order. She also stated he also had me as a spouse under there auto insurance policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account continues to be placed on a 'fraud alert ' randomly. I have traveled back and forth between XXXX XXXXXXXX XXXX & XXXXXXXX XXXX. USAA continues to withhold my access to being able to use my debit card and it has left me in precarious and dangerous situations. This most recent incident caused me to have to rebook a car rental and have my maid service cancelled. I authorized payment for both of these items, but USAA again placed a random 'fraud alert ' on my account. They sent me a text message requesting I reply back with a " Y '' ( presumably for 'yes ' ) to let them know these were transactions that I authorized. I did so & nothing was acknowledged. I tried to run the transaction another time & it was again declined & I received another fraud alert placing my debit card on another " freeze '' not even an hour later. 

I tried to discuss this with the bank both in the past and today. Their response is wholly uncooperative and unhelpful. I am told that its for my protection and that's all they can do. In the meantime, I am having my transaction declined randomly and in the middle of trying to conduct business. When the freeze happens, they're system does not even work to accept me saying they are not fraudulent transactions. I spoke with XXXX ID # XXXX today who informed me there is no one else in the bank that I can complain to & that her department is the highest up. She went on to state that she can submit a " customer feedback '', but there was nothing more that can be done. She stated this is happening because I am attempting to use my card at an overseas merchant. I have used the card at the same merchant for the last few months as I have travelled back and forth. The fact that my card is now randomly flagged is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect Personal information on my credit report

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