BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a savings account over the phone with US Bank last week, after we got off of the phone, I deposited {$120.00}, a day or two later, I realized that I had something that was going to be sent through my checking account, so I tried to transfer the money back into my account, I tried several times throughout the day but it kept saying transaction error, so I drove to the atm and tried to pull the money out so that I could deposit it into my checking account, again I got an error message. By this time it was after hours, so I called us bank the next day, I was told that a hold was put on my savings because they would be sending me a signature card to sign and once they received that, the hold would be lifted, I explained to her that I was not told that I had to physically sign anything or made aware that I would not be able to access my own money- I would never have transferred money into my savings if knew they were placing a hold on it, I was told that they would review the taped call and if I was not made aware of the hold, that my money would be refunded- so far as of today, there have been 6 overdrafts totaling {$210.00}, I have just had other automatic deductions come through today and have again overdrafted my account due to the original 6 overdrafts because of the hold on my account- I believe that I will be looking at an additional 4 - 6 overdraft fees. This would not have happened if I would have been made aware of the hold, I was not told during the set up of the savings and the bank has yet to fix this or produce the tape of me being told about the signature card or the hold that would occur- I have called the bank about this at least 5 times now and am desperate to get this fixed, its causing a snowball effect, by tomorrow Im sure this will have caused a total of 10 to 12 overdrafts at {$36.00} each.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2020-03-15
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
- On XX/XX/XXXX I paid off my loan with Chrysler Capital. I received a letter from them stating it was paid off and that I was due a GAP refund of XXXX -On XX/XX/XXXX a fax from XXXX in XXXX XXXX XXXX  was sent to Chrysler XXXX at XXXX ( attached ). Jeep in XXXX XXXX  XXXX is where I originally bought my XXXX  and Gap insurance. The fax stated how much my refund was, and where to send refund. This was received by Chrysler Capital on XX/XX/XXXX at XXXX XXXX -On XX/XX/XXXX my cancellation request was accepted by Chrysler Capital . They stated how much my refund was due to me. 

-On XX/XX/XXXX Chrysler  XXXX sent my refund check to XXXX of XXXX XXXX XXXX. NOT made payable to me. It was made pay to the order of XXXX of  XXXXXXXX XXXX  XXXX. XXXX returned the check back to Chrysler Capital and on XX/XX/XXXX Jeep stated they could not give it to me because it was not in my name. It was made pay to the order of them. I was told by XXXX in XXXXXXXX XXXX XXXXXXXX that Chrysler would have to send it to me and to my address since it was my refund. They did not understand why they sent it to them. XXXX sent the payment back to Chrysler Capital. 

-Between the dates of XX/XX/XXXX through XX/XX/XXXX I have called Chrysler Capitall at XXXX. I have spoken to them no less than 20 times trying to get Chrysler Capital to send me my GAP refund to my address and in my name. The most recent time was on XX/XX/XXXX. I was escalated to the 'Executive Department. '' I have spoken to a Mrs. XXXX. She told me that my refund was again " sent in error to XXXX in XXXXXXXX XXXX    XXXX and not to me. 

- I called XXXX in XXXXXXXX XXXX XXXX on XX/XX/XXXX and again they told me that Chrysler XXXX has my refund. They sent it back because they can not legally give it to me because it was not in my name. 

-I paid off my loan in XX/XX/XXXX. We are now approaching XX/XX/XXXX. 

-I paid off my entire loan with Chrysler Capital faster ( about 7 months ) than it has taken for them to refund my GAP insurance properly. 

- I would like to say again that I have called Chrysler Capital no less than 20 times in the course of 7 months trying to get them to correctly send me my GAP refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate and the date last reported is not accurate, this is ground for removal. they also violated my rights under 15USC1681 section 602A. states I have the right to privacy.15USC1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. also the credit bureas took more than 30 days to complete my investigation which is clearly against the laws and against my rights.

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 2022-11-09
Company: Experian Information Solutions 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 XXXX XXXX and I am submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the inaccurate Personal information as well as the remaining unauthorized inquiries reporting on my Credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information reporting on my Credit report. I have been sending dispute lettesrs to the Credit Bureaus and have been waiting for their response and yet I received nothing! I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. If it is not too much to ask for, I want the following items removed from my Credit Report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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 did not authorize nor consent to the following inquires being furnished on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX .... Balance : {$5800.00} ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with XXXX, I don't even know what it is. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After pulling my credit report an open record of bankruptcy XXXX  XXXX was on my report. I reach out to my local courthouse and XXXX to find out who reported this information to the credit bureaus however they both responded they do not give out that information and XXXX removed the bankruptcy from my file on there end. The three credit bureaus were all giving a copy of this information and was asked for them to verify they information if they couldnt i needed it to be remove and neither company took this into action. Bankruptcy is still being reported.

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 2019-02-17
Company: Receivable Management Group, Inc. (GA)
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019 I received notice from my credit monitoring service that a collection account for {$650.00} had recently been placed on my XXXX   credit report. I accessed my credit report and verified the listing of the collection account and amount stated due. Prior to receiving an alert from the credit monitoring service, I had not received any correspondence verbally or written from the collection agency that placed the account on my XXXX   credit report and I have filed a fraud investigation request of the account with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Its a financial mismanagement by Wells Fargo Bank. Several responses to my complaint last on XX/XX/XXXX with CFPB state the following and this not correct. 


THIS IS WHAT WAS STATED XXXX. XX/XX/XXXX XXXX PAID {$99000.00} XXXX. {$73000.00} WAS APPLIED TO PAYMENT OF PRINCIPAL, INTEREST AND ESCROW XXXX. Advance was {$1500.00}. 
XXXX. PRINCIPAL REDUCTION {$25000.00} PRINCIPAL BALANCE ON XX/XX/XXXX WAS {$110000.00} ( COPY PROVIDED BEFORE ) PRINCIPAL REDUCTION IN XX/XX/XXXX {$25000.00} {$110000.00} LESS {$25000.00} = {$86000.00} LESS LATE FEE AND FEE {$870.00} = {$85.00}, XXXX A. LOAN WAS TRANSFERRED TO XXXX ON XX/XX/XXXX PRINCIPAL BALANCE OF {$85000.00} WHICH ONLY REFLECTS PRINCIPAL REDUCTION NOT PRINCIPAL APPLIED FROM {$73000.00} XXXX PRINCIPAL HAS BEEN APPLIED FROM {$73000.00}. 
B. PROPERTY TAX BILL FROM XX/XX/XXXX TO XX/XX/XXXX IS {$9600.00} ATTACHED AND NOT {$13000.00}. 
XXXX CONCEALING EVIDENCE IS FEDERAL AND STATE CRIME FROM XXXX AS OF XX/XX/XXXX I HAVE BEEN INFORMED BY WELLS FARGO BANK HAS NO RECORD AND THEY KNOW THE TRUTH ITS CONCEALING EVIDENCE. 
XXXX CFPB MUST DO THE RIGHT THING TO REFER THIS TO DOJ FOR PROSECUTION OF CONCEALING EVIDENCE AND FINANCIAL MISMANAGEMENT. IF CFPB FAILS TO DO THIS I WILL COMPLAINT WITH DOJ, XXXX XXXX, IRS AND SO 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 2019-05-25
Company: BB&T CORPORATION
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 reached out to the company to check the status of the account. Due to the account reading differently on all credit reports. Stating that it is a charge off/profit loss/write off/ sold to collection agency. The representative told me that the account was still with them and tried to receive payment. From my understanding if the account was written off/profit loss. The debt had been paid in full to them and that i would now owe the collection agency XXXX whom they sold the debt to on XX/XX/2018. During this time RAC reported to the credit bureaus that I owed them XXXX XXXX.Even though they no longer held the contract. While going over my contract i noticed that no where in the contract i gave them permission to share my information with a third party. It states that all collection activity would be from RAC. This is a breach of contract. Also if the account is still with them it should be listed as closed with a balance. Not as a charge off/ write off/sold to collection ; along with a balance. This violates my FCRA for inaccurate reporting. Also the company violated my cease and desist request by contacting me through the mail along with XXXX contacting me through the mail, when told not to during a previous CFPB complaint. This is also a violation of FCRA.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$85.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$35.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-05-25
Company: Resurgent Capital Services L.P.
State: MO
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:
I reported incorrect information to the credit bureaus and they still have not rectified the situation with XXXX XXXX and LVNV funding are both on my credit report with the same account number Both companies can not be reporting with the same account number thats double jeopardy and both need to be removed because it violate my rights I've disputed this multiple times Ive called XXXX XXXX directly and spoke to multiple representatives that said XXXX XXXX will be taking off my credit report

Company response to consumer: Closed with explanation