BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX  Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 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 non-monetary relief
Consumer complaint received 2017-01-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX Was referred to XXXX XXXX Written Correspondence and fax # XXXX ... Submitted all paperwork for Release of Partial Lien on property that the home mortgage is NOT on. We have XXXX plats that encompass the property we own. Well Fargo has a lien on a piece of property that we traded property with back neighbors to square our property off on XX/XX/XXXX. This was an even trade ... .no money involved. Wells Fargo has a lien on their ( XXXX ) property and they need to sell it. All paperwork was submitted to Wells Fargo on the fax # above given to us ... they said it would be finalized by XX/XX/XXXX. That date came and went. I gave authorization to XXXX XXXX XXXX to talk to Wells Fargo regarding the loan lien on his property XXXX submitted all necessary signed authorizations to Wells Fargo. We have XXXX faxes we have submitted and he told us he only received one. A supervisor was asked to intercede.. XXXX XXXX XXXX said faxes were received and he told us we did not have to send any more faxes. XXXX XXXX said he only received one fax. We expected this to go easy but feel we have been ignored ... XXXX XXXX has been ignored ... .and this is a complaint to get this solved. We have been paying taxes on this property all along ... .it is not included in the property plat the home is on. We submitted all legal documents and were told we did not have to submit anything else. we need help in rectifying this situation. We receive no phone calls from them ... .we call and get nowhere ... no one to talk to ... XXXX XXXX is always busy or gone.

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 2019-07-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citibank is making it impossible to bank. I am authorized user - who in the theory can do anything but to close an account or to add/remove users - on my wife 's, my mother and aunts ' accounts. All cards in question are Citi Dividend Cards. In the past, I could have chat with the rep and request such thing as 5 % dividend bonus activated. Starting Q2 of 2019 citi told me only the primary can do it. When logging in with the primary account holder login, the link to activate 5 % online comes up with Err 404. My wife contacted them through her online account chat to activate manually. My mom contacted them from her online account to activate manually. My aunt called over the phone to activate. All activations done prior of Q2 start. All the time the reps confirmed the account 5 % cashbacks were activated. Guess what? None of the cards ' 5 % cashback categories were activated. My aunt had trouble reg account online - the error spitting she already had account and when trying to retrieve password error msg says there is no account established. She was running in circles. Not sure where she stands ... may be CIti fixed it. My sister was trying to help er to deal with the situation. Yet her 5 % cashback categories probably still not activated because she has difficulties with English someone has to be present next to her to speak on her behave. I don't even know how much bonus she had missed because of that. Now i have overpaid the card ( payed it twice ). Requested credit balance refund. First time the rep refused to even acknowledge the payments were made. Next one processed the over payment refund. When refund not generated I have contacted the rep again who told me overpayments refunds can't be processed by an authorized users.

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 2023-07-14
Company: Synovus Bank
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company originally only allowed payments via mail or bill pay. When I used bill pay, I could not confirm when the payment was received by the bank, and the bank would often claim the payment was received after the due date and charge late fees and report missed payments to the credit reporting bureaus. 

Sometime in the last year, their website allowed " direct pay '' where I could make the payment online using a checking account. I was very relieved to be able to prove when my payment was made. However, I made multiple payments via this method and would find that although it showed online that I made the payment, it would not hit my bank account, and record of the payment would drop off and then again, I would be charged a late fee and have a missed payment reported to the credit bureaus. 

I made multiple phone calls to Customer Service and they told me that direct pay " doesn't always work '' and to go back to using Bill Pay.

Over the last two months - I have used " direct pay '' AND Bill pay and both have failed to be credited to my account in a timely manner, resulting in late fees and reports to the credit bureaus of missed payments. I have documented my attempts to pay my bill on time over the last two months, and that proof is attached.

Additionally, the bank does not provide any confirmation of payment via email, etc, other than what shows online on their website. If I don't take a screenshot, I have no proof that a payment was made.

Attached documentation : 1 ) screenshot of online payment confirmation for payment made in XX/XX/XXXX using " direct pay ''. 
2 ) statement from XXXX showing that the payment was applied, as expected, with no late fee for that month. ( Also note on the statement the 'fees charged for this year ', because of all the payment issues. 
3 ) screenshot of payment made via " direct pay '' on XX/XX/XXXX, before my XX/XX/XXXX due date. 
4 ) XXXX statement, with no payment applied. Late fee was charged. No payment was ever credited, or presented to my bank. I didn't realize until after the late fee, of course. 
5 ) Screenshot of XXXX payment made via bill pay from my bank showing receipt by XX/XX/XXXX. 
6 ) screenshot of First progress account on XX/XX/XXXX. No payment shown, and I will incur a fee today and an additional report to credit bureaus. 


I believe this company is failing to take payments on time with the intention of charging late fees and additional interest. It has cost me hundreds of dollars in fees, interest, and has done significant damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: GUARANTEED RATE INC.
State: CT
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:
For the last few months I have been searching for a home. I am XXXX & on a fixed income. I know how important my credit score is. I was on CHFA site looking through their 70 + approved lenders as Ive done many times. On the XX/XX/XXXX XXXX XXXX pulled my credit report. No name showed up for well over a week. When it did it had no information who they were. I had to research and find them. When I did, XXXX XXXX said that Guaranteed Rate had them pull my report. XXXX from XXXX XXXX said to remove it I had to get permission in writing from Guaranteed Rate. XXXX gave me their number. When I spoke to Guaranteed Rate they said their policy is I have to get it in writing from XXXX XXXX. I said that makes no sense. You ordered it. Theyre the 3rd party. Youre both saying the same thing thats ridiculous. He just kept saying thats his policy. He also said I probably clicked on one of the boxes that has really tiny writing next to it that gives them permission to run my credit ( anyone see whats wrong w/that but me? ). I said even after you all ran my credit no one from your company reached out to me as if you were providing me a service. I got no mortgage rates, no follow through, nothing. Why would I want to lower my credit score & waste my time that makes no sense for someone working to build up and buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a Southwest chase customer for sometime, I regularly make payments. I make multiple payments throughout the month. 
On XX/XX/XXXX I made a payment. It cleared XXXX. And out of nowhere they are telling me that they will not release my payment and credit it to my account until XX/XX/XXXX. The payment has already left my bank account. They have never done this before in 3 years. They are telling me they are doing this because I made multiple payments in one month. However, I have always made multiple payments in one month. It is not unusual for me to do this. 

I believe they are doing this because, it makes it so I will not get my special bonus for spending enough money on my card at the end of the year. By them delaying posting of the payment, theres no way I will have enough points for the reward at the end of the year and they know this. Ive gotten the reward for two years in a row, its the companion pass where my spouse flies free for an entire year. 
This is absolutely to take my money, get free interest on it for a week, and then make it so I dont get my yearly reward. 

I tried to call them, I asked to talk to Supervisor, I asked them credit my account, I told them Id be filing a complaint ; I asked the supervisor to provide me proof of this of their policies in writing, to none they would do. 

I just want my payment posted. Again, it was posted it was paid XX/XX/XXXX. It cleared my bank XXXX XXXX. And they refused to post it before XX/XX/XXXX. They have never done this before. My payments are always posted the very next day. 
None of my account activity is out of the ordinary for the 3 years I have had this credit card account. This is brand, new, and I 100 % believe it is to stop me from getting the reward that I get every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. Equifax, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : IS REPORTING THIS SAME ACCOUNT XXXX XXXX XXXXXXXX : IS REPORTING XXXX XXXX XXXX XXXX  ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XX/XX/2022 Mailed dispute letter for verification of late payments on credit card accounts on consumer report. Demanded proof. Proof not received and its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been having a problem with SN Servicing, the company who previously held my mortgage. They have been unresponsive. I have been trying to refinance my home and my mortgage broker has informed that SN servicings records show I was not timely with my payments and that missed some payments. I have never been late or defaulted on mortgage payments. I have made numerous attempts to have SN servicing correct their records and show accurate information so that my refinancing is approved. I have copies of my cancelled checks showing that payments were made timely and I was current. 

In addition, SN servicing sold my mortgage to XXXX XXXX. By the time I received notice of such, I had already made my monthly payment. SN servicing cashed my last check and have not forwarded the payment to XXXX XXXX despite my requests to for them to do so. I have personally spoken to and sent emails to both XXXX XXXX and XXXX XXXX who have ignored my requests for the records to be updated and my last payment to be forwarded to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 2020-07-22
Company: Account Control Technology, Inc.
State: NY
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:
ACT and I agreed on a settlement offer on an account to pay 50 % of an account and for that to be accepted as full payment. I have attached the letter that ACT sent to me with the offer terms. I made that payment over the phone following receiving a written commitment from the ACT. On the phone, the person I spoke to confirmed that the payment would be accepted as a settlement. 
However, Account Control Technologies has been reporting incorrect information to the credit bureau for the last two months and as such has been violating my consumer rights. When made aware of this when I filed a dispute with the credit bureaus, account control technologies doubled down on this infringement of my rights and DECLINED to fix the information that they are reporting incorrectly, and falsely claimed that the information reported was accurate. I have attached the results from XXXX where ACT falsely states that the amount being owed is correct I am demanding the ACT swiftly correct all information being reporting to the credit bureaus including the following : Account type change from open to closed Balance change from {$3000.00} to XXXX Past Due change from {$3000.00} to XXXX This account is paid and full based on the terms in the letter attached bearing account control technology logo and address. As such this company needs to fix my credit report with all credit reporting agencies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: ENCORE CAPITAL GROUP INC.
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:
My husband recieved a call from a debt collector on XX/XX/2019 at XXXX XXXX EST from ( XXXX ) XXXX, regarding an old bill from XXXX. He asked them to call back for me after XXXX and then they started to give him information about this debt. My husband was never on this account and he asked them several times to just call back for me because this sound like a personal business matter. They refused and kept giving out information regarding the debt asking him to make payment arrangements for this debt. I have asked them to stop callimg amd just send communicate in writing only. I feel that my privacy has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Pursuiant to : XXXX XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX XXXX  ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXXXXXX XXXXXXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

Transunion is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discoverd that the were in violation by seeing a notice that they had posted on their website before the removed it

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 2015-10-05
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am continously harassed by the US Bank 's customer services representatives since XXXX/XXXX/15. On XXXX/XXXX/15, the US Bank 's customer services representative ( female ) made threats of collection procedures which is illegal. All US Bank 's telephone calls are recorded to verify the unprofessional behavior of this customer services representative, but the US Bank failed to present an apology for the abusive verbal threat. 
On XXXX/XXXX/15 I received a similar telephone call questioning the " amount of my electronic direct deposit '' and " verification of address '' which is continued harassment. 
The US Bank have on file all the information about my income amount and address for the last 22 months ; consequently, permitting customer services representatives asking to verify the amount of earnings by telephone is a desire to intimidate the customer. Additionally, the US Bank communicates with me sending all correspondence to verify any information via e-mails and there is no need to make this type of calls. Therefore, the unprofessional behavior of the US Bank 's customer services representatives have inflicted me with severe emotional distress harmful for my well being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation