BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX Was closed incorrectly. CONDUENT IS NOT A Goverment Agency, Not State, Not Local, Not US Government. 
This was closed incorrectly. 
Conduent goes out of its way to tell employees they are not government employees and states it is NOT a government agency. 
This was closed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
A collection was reported to Equifax credit bureau by XXXX XXXX XXXX in error. I called the collection agency and the agreed to delete the wrong data with all credit bureau. I have a letter directly from XXXX XXXX XXXX confirming account to be deleted I disputed the account with Equifax three times using the letter. All three time the investigation results came back stating account has been verified as accurate. I even tried calling the dispute department but they told me the system can not authenticate me as a caller, even after I gave them scanned my drivers license and a self picture. 

I'm attaching the letter from the collections agency showing they requested account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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 information incorrect

Complaint:
I called XXXX XXXX XXXX who is XXXX Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them XXXX XXXX ans transunion to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX & XXXXXXXX XXXX XXXXXXXX

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 2019-11-22
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2019 I called the reliacard services phone number XXXX   to ask them why I had not recieves a XXXX  XXXX  check in 2 months they informed me that I had recieved XXXX  XXXX payments they read them to me they equaled around {$1000.00} I told.them them that I did not want to use their card company anymore because someone took money off my account before about a year ago. Of that {$1000.00} I only got {$23.00} because someone else took all that money so that means that means that someone somehow got a duplicate card I dont know how that is XXXX  but they did it so onXX/XX/XXXX I changed the pin number I thought that they would take care of the situation then on XX/XX/2019 I called to see what was on my card and to see what payments were made because I hadn't used my card since XXXX. When I called XXXX  XXXX  they said that these payments had been made to the card XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} ; XX/XX/2019 {$78.00} I had not used my card in all that time so I should have had almost {$500.00} on the card so I ordered a new card and had it Express delivery for {$15.00} when I got my card I only had {$63.00} on it so where did my money go? They have no answer for me.they are supposed to be a secure company so why do I keep getting my money stolen? That is nearly {$1700.00} and I haven't seen a penny of it. Where is my money?

I hope you can help

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX  | XX/XX/2023 : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Unverifiable. Past due needs to be updated, repaired or fixed. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-06-14
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-06-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We attempted to sell an item on XXXX XXXX. The prospective " buyer '' then told us money had been transferred. We then received an email from " XXXX '' explaining we needed to transfer money to the " buyer '' to " upgrade '' our XXXX account. We put in the requested {$300.00}, then an hour later received an email from " XXXX '' once again stating that the " buyer '' had {$700.00} withdrawn and that we were expected to reimburse the " buyer. '' We refused to do the second transfer, but we still feel we should get the {$300.00} back. We informed XXXX as soon as we received the second email and they refused to get our money back for us. 

The " buyer '' XXXX information is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The XXXX XXXX  collection agency is sending me a letter concerning an alleged debt. The alleged debt is past the Statute of Limitations for legal action and credit reporting. Therefore, the business can cease and desist all communication efforts. Nor, should the business attempt to forward this to another company in the business. You can also notify your client not to forward to any other XXXX XXXX collection agencies.

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 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802

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 2017-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are in CH XXXX Bankruptcy. We are making our monthly payments on an interest only loan of {$3600.00}. When the bank applies the payment it only applies, {$2600.00} in interest and {$530.00} in escrow. Where is the balance of {$450.00} going? It does not show on the activity since your last statement. It is not going towards Principal. But when I look at the Payment Summary it has Interest, {$3100.00} and Escrow, {$560.00} which equals my payment. Also the Trustee is making payments. These are showing as debits on our account, not credits. Where are these payments being applied. Also where is my interest payment from my Escrow Account from 2016? We also overpaid our property taxes and this also showed up as debits on our account. An incorrect Escrow Analysis was done an a distribution of over $ 6K was made to the trustee. Now after I requested an Escrow Re-Analysis our Escrow Account is now short, and now our house payment has risen to {$3700.00}. I placed a call to the bank and was told that a court order was issued for the $ 6K from the Trustee found out that was a lie. I called the bank several times they kept telling me I could not talk to them because I 'm in Bankruptcy. I have sent the bank two letters requesting an accounting of my account. I can not even get an accurate XXXX for my 2016 taxes.

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 2021-08-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Received letter XX/XX/2021 stating my account was to be debited {$500.00} for two checks my wife cashed on XX/XX/2021. Letter states these 2 checks were cashed twice at two different branches by my wife XXXX XXXX, who is on the account. These are her payroll checks received weekly @ {$250.00}. I have gone to 3 different in-person appointments at 3 different branches. I had also opened a case with U.S. Bank corporate to investigate how this could have happened. My wife could not have cashed these checks, then have the clerk hand them back to her. If by chance it did happen, she would have immediately asked why they were handed back to her. I have worked with XXXX at my local branch in XXXX, Ca. She worked on it for appx 3 weeks. Then told to work with the XXXX, Ca branch manager XXXX XXXX. Who then told us to work with XXXX at the XXXX XXXX, Ca branch. No one can explain where or why the {$500.00} has gone. Local branch personnel say its a common error and keep fighting. ( of the record of course ) I have all correspondence copied as well as phone records

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 2022-06-12
Company: EQUIFAX, INC.
State: PA
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:
N Accordance with the fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Bread Financial Holdings, Inc.
State: OK
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 lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C Sextion 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 items of information, other than records of convictions of crime 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 response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Fusion Auto Finance
State: VA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle through Fusion Auto Finance LLC ( " Fusion '' ) from XX/XX/XXXX- XX/XX/XXXX. The lease was terminated on XXXX XXXX, XXXX and I have not been possession of this car since. Today, XXXX XXXX, XXXX, was the first time I was notified by Fusion Auto Finance LLC via phone call regarding a bill issued from XXXX County, Virginia for a state property tax that was issued in XX/XX/XXXX to Fusion Auto Finance LLC. The bill has since accumulated approximately {$300.00} in late fees and penalties because it was not paid by Fusion. When I contacted Fusion to discuss the bill, they were aggressive in insisting that I received multiple notifications about this bill, but I received none until they threatened to send me to Collections ( via a phone voicemail ) on XXXX XXXX, XXXX. I should not be held accountable for the penalties and late fees assessed by XXXX County because of the negligence from Fusion. When I asked if they had any record of the notifications that they claimed to have sent, they were unable to provide that information and insisted " that was not their responsibility. '' Any time I attempted to discuss the situation with the finance agent, XXXX XXXX, she shouted me down and insisted that I was at fault instead of answering my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Information forwarded to correct Deed of Trust on XXXX XX/XX/2021 The original request was initiated back in Early XXXX of this year. My lawyer and I have provided countless documentation to correct the issue and as of XXXX XX/XX/XXXX the issue has not been resolved. Request this matter be escalated to management to correct this issue. 

PHH is the second mortgage to this property. I provided XXXX XXXX ( primary ) mortgage to this property the same information 5 weeks ago and they resolved the issue in one week. This says a lot Request this update be elevated to correct issue. The attachments provide details of what needs to be corrected. Also sent additional documentation on at least four other occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: NV
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-14
Company: Experian Information Solutions 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: 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX . 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on a mortgage with PENNYMAC mortgage company in XXXX XXXX XXXX. My First Mortgage payment was due on XX/XX/XXXX an received by PENNYMAC on time with no problems in the amount of XXXX and was posted on XX/XX/XXXX The next payment was sent on. The second payment for the mortgage was paid on XX/XX/XXXX in the amount of XXXX and was received by PENNYMAC and was posted on XX/XX/XXXX. Third payment in the amount of XXXX was received and posted on XXXX/XXXX/XXXX. This is when the problem started. I called PENNYMAC because the check had not been cashed. They told me they did not received the payment. I spoke with a supervisor and he read me the rules about late payments. because monday was a holiday the transaction took place on that Tuesday. Just so happen they found and cashed the check on time. PENNYMAC is trying to get me to do automatic deduction or pay by phone. Fourth payment for XX/XX/XXXX was received and posted on time XX/XX/XXXX. The fifth payment was never received. I call them to day and they say they did not receive the fifth payment of XXXX. WE payed a post mark fee for proof of mailing. The supervisor said he would waive the late fee until the XXXX of XXXX XXXX i was with XXXX XXXX  for my last mortgage and never had problem with lost check. I think they are not telling me the truth. I think they are holding my check to force me to make automatic deductions

Company response to consumer: Closed with explanation