BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My husband and I opened a Savings Builders account with CIT bank in 2017, advertised by CIT as the product with the highest interest rate. When we signed up, the interest rate was 2.65 %. Over the years, interest rate adjusted down with the market, and we were under the impression it would adjust up with the market, since it's been advertised to be the product with the highest interest rate.

However, we found out that the interest rate is currently at less than one percent, whereas their other newer products are offering rates over four percent. We were not properly notified to transfer to the newer products, and or what their interest rates are. We place a lot of trust in the bank and do not check our interest rate vs the other products everyday. The bank deceived us into believing we have the product at the highest interest rate from their bank. We currently have over {$260000.00} savings in the bank and have lost several thousands  of dollars in interest, because of their false advertisement of the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Reporting late payments on my credit report when i have never been on a payment plan with them because i am still enrolled in school they are reporting 90 days past due and this is not right or true at all the late payment for denefits needs to be removed as well the late payments for credit acceptance needs to be removed as well

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 2023-03-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. I have noticed several inaccurate and unfair entries that are harming my credit score. I would appreciate it if you could remove these negative items immediately. 

Firstly, the XXXX  XXXX Bankruptcy with the Case Number XXXX and the XXXX  XXXX Bankruptcy with the Case Number XXXX are both inaccurately reported on my credit report. I am unsure why you have not removed them when the other bureaus have already done so. 

Secondly, the following inquiries have reached the statute of limitations and should be removed from my credit report : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), and XXXX XXXX XXXX XX/XX/XXXX ). 

Thirdly, there are several inquiries on my credit report that were not authorized by me. I suspect that these inquiries might be fraudulent and I would like them removed from my credit report immediately. These unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ). 

Lastly, I dispute the following accounts, which have been inaccurately reported as late payments : XXXX ( Account Number : XXXX ) and XXXX XXXX XXXX XXXX Account Number : XXXX ) and XXXX ( Account Number : XXXX ). To the best of my knowledge, these accounts have never been paid late, and it is ruining my credit. You must update these accounts and delete the inaccurate information immediately. 

I urge you to investigate these matters and take the necessary actions to remove the inaccurate and unfair information from my credit report as soon as possible. I look forward to hearing back from you regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist Mortgage took over my mortgage loan in XXXX. They inherited my escrow responsibilities, and I had homeowner insurance serviced through XXXX XXXXXXXX XXXX. On XX/XX/XXXX, my policy was subject to cancellation from lack of payment, a clear error of Truist. My insurance agent did not receive notice of policy cancellation until XX/XX/XXXX. Truist has been taking escrow payments from me and not paying my incumbent homeowners insurance policy. Truist sent me a letter indicating that they will be forced to buy a policy on my behalf at an increased rate : a strong implication of predatory transactions. My personal opinion is that this is fraudulent behavior. I was informed that my homeowners insurance policy did not require manual intervention to renew on an annual basis. Truist accepted responsibility for my escrow account and has not been using those funds to pay my homeowners insurance policy. It is my belief that they had an obligation to do this.

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 2023-03-17
Company: Maximus Education, LLC dba Aidvantage
State: MD
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:
Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( XXXX ) this the DEPT OF ED/ AIDVANTAGE and XXXX is in violation not reporting 100 % accurate it lists. Also, I have not given written permission for this debt to be shared with any other 3rd parties like XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had several XXXX XXXX  appointments in XX/XX/XXXX- XX/XX/XXXX and my insurance company ( XXXX ) processed all of the claims to my deductible, which was incorrect. Because this was incorrect, I did not pay the amounts I was being told I owed, and eventually amounts went to Merchants Credit Association. My health plan documentation clearly stated that ALL physical therapy services would be 100 % covered by XXXX after the member pays a {$20.00} co-pay. When I contacted XXXX to ask why my claims were processed toward deductible instead of co-pay, they stated that in order for me to have had my claims processed toward co-pay I would have needed to have had my appointments at a doctor 's office or a free-standing physical therapy facility, rather than at an outpatient department of a hospital, which is where I had my services done. However, there was no language in the schedule of benefits that mentioned place of service as a determining factor in how benefits are applied for physical therapy services, whereas other short-term rehabilitation services such as occupational therapy actually specified that benefits were dependent on place of service. My husband appealed XXXX 's decision explaining all of the above and provided PDFs of the language used in the schedule of benefits. While we waited for the outcome of the appeal, I also appealed the amount owed with Merchants Credit Association ( MCA ). Shortly after that, XXXX sent us notice that they denied our appeal. On XX/XX/XXXX, my husband contacted the Washington State Office of the Insurance Commissioner ( OIC ) to request that they act on my behalf to complain to XXXX about their claim decisions and the denial of my appeal. On XX/XX/XXXX, the OIC contacted me to inform me that XXXX had reversed their claims decisions and had reprocessed all of the appealed physical therapy claims to {$20.00} co-pays for each visit. That same week, I received new EOBs from the hospital where I had the services completed which showed the new processed amounts. Because my hospital printed out new EOBs, my assumption would be that they would either contact MCA to stop the collection of a debt that was no longer valid, or that MCA would send me a new collections notice with the corrected amount owed. Neither of these things have happened, and I was recently informed that sometime between XX/XX/XXXX and XX/XX/XXXX, MCA reported my collections amount on my credit report. I was never given the opportunity to pay the amount I truly owed before they put the collections amount on my credit report and I believe this to be wrong because MCA is required by law to send me notice of the valid amount, but the last notice I received from them was no longer valid.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inquiries and accounts that I do not recognize or have reason to believe might be fraudulent. I would like to request that these items be investigated and removed from my credit report immediately. 

Firstly, I do not recall authorizing the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX on XX/XX/XXXX. Since these inquiries might be fraudulent, I am requesting their immediate removal from my credit report. 

Secondly, I can not recognize the account from XXXX XXXX XXXX ( account number : XXXX ) and would like to request that this account be deleted from my credit report. 

Finally, I have concerns about the legitimacy of the accounts from XXXX XXXX XXXX ( account number : XXXX ), XXXX  XXXX ( account number : XXXX ), XXXX XXXX XXXX ( account number : XXXX ), and XXXX XXXX XXXX ( account number : XXXX ). Either clarify the information related to these accounts or delete them from my credit report immediately. 

I believe that these negative items are impacting my credit score and ability to obtain credit in the future. I am committed to improving my credit score and being responsible with my finances, and I believe that removing these negative items will help me achieve this goal.

Thank you for your time and consideration in this matter. I look forward to hearing from you soon. 

Sincerely, 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 2023-03-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged well over {$1500.00} in bank overdraft fees by Wells Fargo from XXXX - XXXX. I signed up for the class action against Wells Fargo some time ago, but I have not heard from anyone regarding the settlement which was reached. Wells Fargo held back my deposits until after they would present withdrawals to my account even if I deposited cash at the bank at opening time, by midnight they would charge my account all the withrawals & overdraft fees, and then post my deposits AFTERWARDS. This made my account go into a negative balance each time they did this, thus causing many presentments to my account to be charged or returned as NSF causing mer to incur charges to the persons I wrote the check to. 
This caused me to receive countless overdraft fees well in excess of {$1500.00}. 

I would like to receive my compensation for their fradulent behavior. It created undue hardship for me at the time. It was a very serious problem that I tried to work out with them directly back then, but it always fell on deaf ears. 

I greatly appreciate whatever help you can provide for me in this regard. 

My address at the time was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-03-17
Company: Experian Information Solutions Inc.
State: CA
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:
Hello 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. XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX I have my pink XXXX I paid them ( 3 ) XXXX/ XXXX XXXX XXXX account XXXX XXXX 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 stays consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: CA
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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Maximus Education, LLC dba Aidvantage
State: MI
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:
Reporting late payments on my credit report when i have never been on a payment plan with them because i am still enrolled in school they are reporting 90 days past due and this is not right or true at all the late payment for denefits needs to be removed as well the late payments for credit acceptance needs to be removed as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-03-17
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:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts/items are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts/items for me to review the exact date on which the negativity was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
Inaccuratye Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
Company: Spring Oaks Capital, LLC
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:
The collection agency XXXX XXXX XXXX has yet to discontinue furnishing inaccurate data to XXXX. I have never had an obligation to pay this company anything. My credit report has a comment acknowledging that this account was disputed but I have yet to receive any validation of this account that they are reporting. I am unaware of having a balance with the original creditor. The only account I've had with the original creditor is not the balance that is reporting on my credit report therefore I am asking for proof of this account or remove this immediately before I am forced to take legal action. I was involved in a data breach which I will attach to this complaint, so it is very possible that my information was compromised. Send me a copy of my ssn, photo id, proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties, contract bearing my personal signature -License proof to collect debts in my state and provide me of the amount of which the debt was purchased-Per the CFPB, I have this right as a consumer. If you can not provide ALL of the listed proof of validation then delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-03-17
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 at about XXXX I called RentDebt Automated Collections to settle my rental debt with them and spoke to one of their representatives. I asked her two times if by me paying this debt or settling it would it be removed from my credit report. The representative said yes and I quote " You will be able to apply at a new apartment complex ''. On XX/XX/2023 I applied at an apartment complex because my credit reports updated and it stated the collection was paid and closed. The very next day I got an email saying I was denied because I have a collection from an apartment complex so I called RDAC again and spoke to someone else and they said that they don't remove anything and that they have no record of my previous call just the payment. Now I lost out on {$90.00} applying somewhere new and with no hope of getting the collection removed. They are telling people yes it will be to pay the settlement to then say they don't delete it stays on for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: FC HoldCo LLC
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:
In accordance with the fair credit Reporting act my rights have been violated- 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instuctions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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