BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: SIERRA PACIFIC MORTGAGE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I was told by my mortgage company, Sierra Pacific Mortgage, that we had to pay our full year property tax payment because we had been approved for a partial release of land that was under the mortgage. My escrow would not pay the taxes until they received a new tax bill showing the released land. I was told to send the receipt in prior to XXXX ( two months from my yearly scheduled escrow analysis in XXXX ) I emailed the receipt the end of XX/XX/XXXX. I called a few weeks later and found out the receipt had been coded as a bill, but the problem would be fixed and my request to re-analyze my escrow would still occur. I called again around XX/XX/XXXX and was told that they would expedite my request since it was almost XXXX. I called again the first part of XXXX and was told that expedited request was cancelled shortly after it was opened and now I could not get a refund from the escrow until XXXX. After further speaking with the customer service representative, she said she was able to open another request and I would get my check by XX/XX/XXXX. I called around XX/XX/XXXX and was told that work order was denied, but I could send the receipt in again to the research dept. to request the overage of my account me paid. I called on XX/XX/XXXX and was told that request had been entered as a tax bill and it was too late to have my refund issued. I was told I needed to wait until XXXX. Federal law states that a company needs to pay the overage of an escrow within 30 days being notified. I tried everything I could to get paid that overage in a timely manner. Sierra Pacific Mortgage intentionally delayed my request in order to hold the funds. I believe there is grounds to show this is a common practice. It's not reasonable to have so many people in one company cause this sort of delay and to blatantly hinder a simple request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 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 2023-08-13
Company: U.S. BANCORP
State: WA
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:
In the XXXX XXXXXXXX XXXX XXXXXXXX, I reached out to Fidelity by phone regarding an erroneous foreign transaction fee on their Fidelity Rewards Visa Signature Credit Card. The customer service representative assured me that he would alert his superiors about the inconsistency between Elan Financial Services website and their actual procedures. Yet, the website has not been updated since. Elans site, under the Credit Card Terms Disclosure, claims that there is no foreign transaction fee. However, they impose a 1 % fee on all overseas transactions. By law, Elan should provide and adhere to a fee schedule for their credit card users, but they fail to do so, which appears to breach federal regulations. 

Link to credit card website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Disclosure of Credit Cars Terms website can be opened from Fidelitys website by clicking on the No annual fee hyperlink, located directly above Apply now.

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 2022-10-27
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The Credit Card ( DISCOVER ) is attempting to charge me for a transaction that was applied to a deactivated card account. 

In XXXX of XXXX, I paid off the credit card in full. This transaction is dated XXXX for the amount of {$10000.00} ( I have the invoice ). At this time, I ordered the card to be deactivated but, did no close the account. 

On XXXX, Discover approved payment for an automated annual fee to XXXX ( A social media company ) for {$300.00} to the deactivated card without notifying me prior to processing the payment. I DID NOT REQUEST CREDIT FOR THIS TRANSACTION. 

On XXXX, XXXX contacted Discover to dispute the charge and was told that the transaction was treated as if it were for an Emergency Utility Payment. Discover then suggested that I reach out to XXXX for reversal. I then permanently closed my Discover Credit Account. 

I visited XXXX and reviewed my auto-renewal and found that XXXX identified clearly that my Discover Card of record had expired in XXXX ( I have a screenshot ). I closed the account. 

On XXXX I again contacted Discover and challenged the charge. Discover then instructed me that they would contact XXXX and request reversal ( I did not solicite them to do this ). 

I have since received notification of legal actions against me. I then formally filed the attached document with them. They've rejected my request. 

For reference the card number ( account now closed ) ended in XXXX. 
Discover has submitted a case number which is XXXX Discover has entered in this issue with the credit bureau and this has negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$3500.00}

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 2022-04-15
Company: Hometap Equity Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We entered into an agreement with Hometap for them to borrow us money against the equity in our home. We wanted to pay this loan/investment off and on Wednesday, XX/XX/2022, we asked and received a settlement statement from Hometap with the assurances once they received our payment in full, they would release the three ( 3 ) liens they put on the title to our home. When I called them today, XX/XX/2022, they indicated they have not received our check. But our tracking number indicated the payment was delivered to them on XX/XX/2022, at XXXX a.m..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am being harrassed with phone calls for payments that have been made on time and proof provided and the creditor is telling us they do not have the payments. They are a severly mismanaged company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Account status incorrect

Complaint:
Last year the account ending in XXXX was closed and then reopened in 2023 which was authorized by the consumer, XXXX XXXX. In XXXX of 2023 the XXXX XXXX XXXX  XXXX Account ending in XXXX was reinstated in full and consumer, XXXX XXXX has full access to the spending account. XXXX XXXX contacted XXXX XXXX Bank in XXXX to request the corrected status of " open '', be reported to the bureaus. XXXX XXXX Bank agreed to correct the status on the credit XXXX account being reported to reflect the accurate " XXXX '' status. XXXX challenged the XXXX  XXXX XXXX  account ending in XXXX with Transunion and XXXX demanding that the account data that was furnished meet FCRA requirements. XXXX provided the XXXX billing statement that proved the account was open and XXXX XXXX is now reported the account as " closed '' providing false information to the credit bureaus. In the report, I am including the XXXX XXXX XXXX XXXX the investigation as well as sending over the XXXX billing statement proving the account status is " XXXX '', with transactions from card ending in XXXX XXXX XXXX has falsified information causing consumer to incur putative damages to credit report score. XXXX is now seeking legal action along with acceptable direction from a credit attorney.

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 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was searching for a work from home job. A company I applied with sent me a check for {$1800.00} and wanted me to purchase XXXX products for company software to do the job. 
I deposited the check on XXXX. 

Before I purchased the items, I contacted my bank, via my mobile app.to verify that the check was legitimate. I hit the " contact us '' option which directed to their virtual chat " XXXX '' She assured me that the check had cleared and the funds were there. I triple checked asking questions " Are you sure the check is legit? '' " Can they reverse the check at any point? '' If it is a bad check, am I responsible for the money? '' To all my questions, her response was that the check was good & the funds were there. 
Having confirmed with my bank that the check was legit, cleared & the funds were there, I proceeded with the job requirements. 
On XXXX I was notified by my bank that the {$1800.00} was a " Return item, chargeback '' & they had taken money out of my account to cover it. 
I called my bank to question as to why & how this could happen because I checked & then checked again with them to make sure the check was legit & I would not be held accountable for the money if there should be an issue with it in the future. Multiple times they reassured me that it as a legit check & the funds were there. 
They said that the check turned out to be fraudulent and that I was responsible for the funds. 
They should NOT have told that the was legit and the funds were " safe ''

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 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 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 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 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 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 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 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several fraudulent accounts listed on my credit report. I have listed them and also the police report 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 2022-11-28
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
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:
I was advised in when I was making my XX/XX/XXXX mortgage payment that my XX/XX/XXXX payment was due. I paid my XXXX payment on XX/XX/XXXX and indicated that to my mortgage company. They advised that my payment was reversed on XX/XX/XXXX citing an " invalid account ''. I contacted my bank ( XXXX XXXX XXXX ) who confirmed the transaction was complete and no reversal was done. They provided me with a trace number. My mortgage company did their investigation and after 30 days requested additonal time for the investigation. In the meantime, they provided an update to the credit bureau that my XXXX payment was more than 30 days late, even though it was still XXXX and I made the payment and it was under investigation ). I also incurred late fees. Within a week they determined that I did owe the money and then cited that it was actually the XX/XX/XXXX payment that was paid and reversed. ( Which is also not true AND not their original complaint. ) I called the mortgage company and asked them to send me all of the records of the payments I made since this company had only purchased my mortgage in XX/XX/XXXX from my previous mortgage company. The agent advised that my account showed XXXX XXXX payments that were made and one was reversed. I only made 1 payment and it cleared so it appears there is some error on the part of the morgage company. I have made payments in each XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and it reflects this in their documentation. The mortgage company continues to show I am late and now owe my XX/XX/XXXX payment but I do not. There seems to be a glitch somewhere on their end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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: Account status incorrect

Complaint:
I have spoken with representatives from the company to resolve this issue and no action was taken further. The inaccurate items are affecting my credit score and hindering me from approvals.

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 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a victim of extensive debit card fraud for the last XXXX XXXX. I reported these instances to Wells Fargo and they found them all to be legitimate fraud. However, I was just informed that my account was being closed due to " business reasons ''. This happened with no warning and my various direct deposits for work are all frozen in limbo now and I have no access to my funds. This follows a pattern of behavior exercised by Wells Fargo for which the XXXX XXXX XXXX XXXX XXXX. has chided them.

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