BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$3600.00} Highest Balance {$0.00} Terms XXXX Months Account name : # XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$520.00} Highest Balance {$0.00} XXXX XXXX XXXX  Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$18000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX Recent Payment $ 112 Monthly Payment {$470.00} Original Balance {$24000.00} Highest Balance {$0.00} XXXX XXXX Months Account name :, Account name : # XXXX, These Companies 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 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 XXXX 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2019 my car was wrongfully repossessed by XXXX XXXX XXXX XXXX. I was not late on any of my payments and in fact, I was two months ahead. The repossession company hired by XXXX broke state law by breaching the peace and by stealing my vehicle, and by also using the police to complete a repossession. The following day I spoke with XXXX who confirmed that my payment was not late and the vehicle was not out for repossession. They told me they did not have the vehicle. I contacted the police but was told it was a valid repossession. I spoke to XXXX again and finally was told that the car was wrongfully repossessed and that they were going to return it to me. They did that day. Despite this, the account is still reporting negatively. XXXX breached its contract with me, stole my vehicle, and violated state and consumer laws. If this account is not immediately removed from all 3 credit bureaus, I will pursue legal assistance against all 3 credit bureaus and 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 2018-09-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX decided to do business with Citibank. Citibank decided to set up automatic annual XXXX membership renewal charges without my consent. Citibank took it upon themselves to charge the card {$120.00} for the annual XXXX membership fee. I wasn't aware of this. I got a letter in the mail telling me that my Citicard was closed due to non payment, and that I owed them {$220.00}. I called Citibank on XX/XX/18, and the rep told me that all he can do is waive one {$37.00} fee. I told him I would pay the {$120.00} that they took upon themselves to charge me, but that they needed to waive all of their fees and any other charges that they charged the account since it wasn't fair that they automatically signed me up for this Citibank card that I did not want, nor did I want to set up automatic payments for my XXXX membership to that card. The rep told me that unfortunately he could not waive any other additional fees except for that {$37.00}, and that I was responsible for paying the other charges to the account. I told him that I wanted to talk to someone that can take my complaint, or if he can provide me with an address so that I can write to Citibank regarding my complaint. The rep told me that he couldn't do that, but that he can have an account manager contact me regarding my complaint in 2 days. I told the rep that I was fine with that. It's been 7 days and I have yet to hear from anyone from Citibank. On XX/XX/18 I called in to pay the {$120.00} for the XXXX membership fee. Today XX/XX/18, I called in to check the balance on the account, and they told me that my balance was {$100.00}. This is ridiculous and I shouldn't have to pay Citibank 's fees.

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 monetary relief
Consumer complaint received 2023-03-17
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Money Stolen by Tesla and has not refunded even after agreed to Consumer Financial Protection Bureau to refund the stolen Deposit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX, I needed a new hot water heater and was under the impression I was getting a loan, not a credit card. The invoice I received from the company does not state that I agreed to a credit card or what the payments are, however the invoice does state that there's a 9.99 % APR ( which is what I agreed to ) On XXXX XXXX, I received a credit card agreement from Wells Fargo. The agreement states that my APR is 28.99 % -which is not what I agreed to-and doesn't list out the 'special terms and apr ' period is.

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 2018-05-02
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. 

On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. 

It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXXand all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-01-09
Company: Experian Information Solutions 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:
In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX. has violated my rights. Under 15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit file as late for any purpose. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXXXXXX XXXX 

I have certified mailed letters to these XXXX Sovereign Offices Below. For XXXX. 
The XXXX XXXXXXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX 
Attorney General in California.

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 2018-05-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX.I received a letter from Chase informing me that my safe deposit box was closed.I had NOT closed that box.When I called the next day, I was told that the box had been drilled on XX/XX/XXXX.The explanation I received was that the auditors were trying to update info on the secondary signer of the box.I was never contacted re : this issue.I did ask why, as the primary signer, I was not contacted, I got no satisfactory explanation.I was never contacted to remove the contents of the box.When I did ask about the disposition of the contents, I was asked if I wanted the contents.That seemed like an odd question to me.I would think I should've been notified of this entire situation.I did receive the contents, on XX/XX/XXXX.All contents were accounted for.I still want to know how my safe deposit box could've been drilled without notice to me, and since the box was drilled on XX/XX/XXXX, why the check for renewal of the box was accepted by Chase.I did receive reimbursement for the rental with the original I am not looking for anything but a reasonable answer to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with the lender, and I was attempting to pay the loan off early with their online services. I have had the loan on auto draft payments since the birth of the loan. The loan was acquired in XXXX through one mortgage company and then transferred to Carrington a few years ago. I have never had a late or missed payment until this alleged " missed '' payment. In early XXXX of XXXX, I made an additional payment on my loan and paid the max payment I was allowed to through their online portal. The payment was in the amount of {$9900.00}. Then on XX/XX/XXXX, I put in a request to increase my loan payment by {$1000.00} a month in order to pay the loan off faster. On XXXX, XXXX the auto draft payment was confirmed, and Carrington notified me that the new auto draft amount would start XX/XX/XXXX. I believe there must have been a glitch in their system, and the XX/XX/XXXX auto draft payment was cancelled. Between the {$9900.00} payment and the request to increase my monthly payment, the system suspended my auto draft payment for the month of XXXX. I did not suspend the payment. Carrington said they mailed me a letter on XX/XX/XXXX notifying me of the missed XXXX payment. I did not receive this letter. Since XXXX of XXXX, I have made additional extra payments on the loan. At some point, Carrington must have applied money from my additional payments to the " missed '' XXXX payment, therefore no other attempt was made to contact me regarding the missed XXXX payment. I was not made aware of this issue until last month when I was attempting to take out a loan. My loan officer notified me of an issue with my credit score, and this is how I found out about the issues with Carrington. I have attempted remediation with Carrington, and I have requested that they withdraw the negative report sent to the credit bureaus. They have refused to remove the negative information sent and claim that I am still at fault for the missed XXXX payment. I am distraught that my attempt to be financially responsible has resulted in a bad mark on my credit score that will haunt me for the next 7 years especially since this was no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, my Bank of America checking account was closed WITHOUT warning or prior notice. My account was frozen and I was told that I am not able to withdraw my funds from my account. 

I was told my my funds are being mailed to me and that it could take several weeks before I receive my money. 

I have apporximately $ XXXX in the account that is being closed. 

I have bills that are supposed to be paid out of that account in a few days, including my RENT! I am now most likely going to receive late fees for these charges and on top of that I have no money to pay for anything because the bank decided to abuptly close 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 monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX 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 2023-05-22
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: CO
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 submitted a dispute for a 30 day late payment that was inaccurate from XXXX and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from XXXX and ignoring my dispute all documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A check for XXXX and XXXX Mortgage payments was sent from XXXX to Colorado Housing and Financing XXXX in plenty of time to be credited to my account and to avoid any late fees, I have verified that it was sent, to and tried to contact XXXX to tell them it was paid, person who finally answered the phone explained the benefits of automatic withdrawal so my payments won't be late anymore, after trying again to explain that it was paid already and that taking the money from my account is not going to solve my problem I got frustrated and hung up. 

I need to start charging XXXX for my time trying to straighten out their constant issues with my mortgage and treating me without any kind of respect, all the fees you have charged me should really be refunded to my account as I still say that nothing that has gone on with my mortgage as been my fault, going back as far as XXXX forgetting to pay my insurance from my escrow and then charging me for a foreclosure for over 2 years while you tried to say it was my fault, and your other illegal activites, including double accounting, and your constant lies- which I have in writing since I usually cant talk to anyone about my issues maybe you could assign a person to my account, who's willing to answer their phone, and would be aware of what has gone on with my account, and would talk to me when I have issues, and I could work with them to avoid pulling my hair out every month. 

A mortgage loan is not supposed to be this difficult.

Company response to consumer: Closed with explanation