BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: AMERIS BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year I had an issue with Ameris Bank where they sent my escrow tax payments incorrectly to the wrong Tax ID. After months of constantly trying to get it fixed and sending a CFPB complaint ( XXXX ) they assured me it would never happen again and they paid a {$75.00} fee for the late fee. 

This year again I got another escrow check and again they paid it towards the wrong tax id. They also said I have a shortage in my account in the same amount XXXX XXXX is listing as a penalty from 2022 late fee since they took MONTHS to pay it. This amount is {$580.00}. AMERIS BANK DID NOT COVER THIS PENALTY FEE AND NOW WANT ME TO ABSORB IT IN MY NEW ESCROW PAYMENTS. They also stated they paid the late fee in the amount of {$75.00} in the letter but the Fee in XXXX XXXX is {$89.00} IN ADDITION TO THE {$580.00} PENALTY. 

XX/XX/XXXX, I called in to pay {$170.00} in response to them absorbing these penalty fees as part of what I now owe as Escrow I got a letter saying the check was returned. I processed the payment over the phone with an agent - I didn't send a check and got returned check letters when an agent said this payment went through successfully. 

I was also told by the supervisor she saw how I was charged the penalties but Ameris did not cover them and she was creating a case. I have not heard back since.

This second mistake from Ameris, repeating the same one as last year has cost me time off work to handle these errors. It has also created mental distress for me and my family to have to constantly react to the errors. I've gotten no response from XXXX XXXX the supposed research person assigned to the case. I'm starting to think Ameris Bank is discriminating and treating me unfairly as a customer by putting me through their errors multiple times now. I am wondering if this is a deceptive practice to try to ruin my credit and not have me be a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Truist offers a {$400.00} bonus when opening a checking account. But the online system did not allow me to open an account. It redirects me to go into a branch. When I went into a branch, they said they could open the account for me but I would not get the {$400.00} bonus as advertised. 

This is unfair and deceptive marketing. I have found several other customers online that have encountered the same issue.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed a charge of medical bill from account XXXX XXXX XXXX XXXX XXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The reporting agency XXXX, XXXX, Transunion continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.

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 2017-05-04
Company: Experian Information Solutions Inc.
State: UT
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 have never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.

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 2023-02-01
Company: EQUIFAX, INC.
State: MA
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:
The reporting agency XXXX, Equifax, XXXX continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Self Financial Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Self.Inc credit card took out a second line of credit without telling or notifying me. Then they had a 90 days with no payments so I didn't know anything about the hidden line of credit. I had no idea what so ever that I owed them anything or that it took out a second loan when I had money in my account. I never signed anything which makes it illegal and I want the late payments removed because I had perfect payment history until they did that in XX/XX/2022. I need my credit fixed because it isn't accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need my credit in order to be able to afford a roof over my head and if possible could you please resolve these issues for Me, Thank You. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! of the consumer to whom it relates. I NEVER gave any consumer reporting agency These accounts should not be furnished on my consumer report as they are in VIO Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report uno : following circumstances and no other : 12 in accordance with the WRITTEN INSTRUCTi WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal proterted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On 2 separate dates (XX/XX/XXXX and XX/XX/XXXX ) I filed disputes with Eqauifax in regards to in accurate Bankruptcy ( XXXX ) being report on my credit report.On both disputes Equifax is listing the source/data furnisher as XXXX XXXX. On XX/XX/XXXX I received notification that the dispute filed onXX/XX/XXXX was complete and the bankruptcy had been reported as " accurate ''. On XX/XX/XXXX I called XXXX XXXX ( XXXX ) and spoke to XXXX. I asked him if XXXX XXXX had provided or verified any type of information from my XXXX XXXX Consumer Report with Equifax. XXXX advised me that there had been no release of my information to anyone as I have a freeze and suppression on my consumer report due to identity theft. XXXX also advised me that the only way information would be released is if I personally requested to have my information shared by providing XXXX XXXX with the PIN # for my freeze. I advised them that Equifax listed them as the source of verification for a Bankruptcy on my credit report. XXXX advised me that there would be no way physically possible for Equifax to obtain verification since the same Bankruptcy was also being disputed on my XXXX XXXX report and that XXXX XXXX would not and could not verify anything that is currently in a dispute status with XXXX XXXX. On XX/XX/XXXX I  submitted another dispute with Equifax for the Bankruptcy and on XX/XX/XXXX I received notification that the dispute was complete and that the bankruptcy had again been verified thru XXXX XXXX. Equifax has failed to do a thorough investigation and because of this my rights under the FCRA have been violated. Per FCRA any information that can not be verified or is inaccurate must be deleted from a consumer 's credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2017-06-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On Saturday XX/XX/XXXX  , I w ent to a  Citibank bra nch located at :   XXXX   XXXX   XXXX  ,  XXXX   XXXX , NY  XXXX .  <P/> I asked the personal banker there, to open an account based on the {$300.00} promotion advertised b y Citibank.   <P/> She said that she can assist me with this. Then she asked if I had been a previous customer wi th Citibank. I re sponded that I had been a prior customer and that I had closed my accounts wit h Citibank as of  XX/XX/XXXX .    I was told by the personal banker that the rule for eligibility for the promotion is that I should not have bee n a Citibank customer in the last 24-months.   <P/> I brought to her attention that the disclosure print in the promotion states that to be eligible for this offer, the customer must not be OR have been an owner of a citibank account in the la  st 60-days.
<P/>
The personal banker, told me that based on Citibank 's own rules, the rule is 24-months and that I would not qualify for the promotion. However she did offer to open an account for me, but without honoring citibank 's own advertised promotion.
<P/>
I then proceeded to speak with the branch manager on duty then. She explained that Citibank has its own internal policy which explains to not honor cash bonus promotions unless the customer did not have an account in the last 24-months. She did not care to read the disclosure to the current offer that I had asked for, but she was willing to show me prior offers that had disclosures of the 24-month limitation. I refused her explanation as those offers were already expired or were different from the current offer I had asked them about. She also could not provide any written explanations on why the {$300.00} offer could not be honored. Additionally, she kept pointing to an internal citibank rule ( she could not show it to me ) to not honor cash offers unless there was 24-months since the customer closed the previous account.
<P/>
I re-read the fine print and the whole disclosure, and I still did not see any hint or anything related to the 24-month limitation.
<P/>
What made me file this complain was the excellent work that consumerfinance.gov did in here.
<P/>
https : //www.consumerfinance.gov/about-us/blog/citibank-to-refund-700-million-to-credit-card-customers-for-unfair-and-deceptive-practices/ I am attaching a copy of the offer to support my complain.
<P/>
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 explanation
Consumer complaint received 2023-03-14
Company: Affiliate Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call in XXXX of XXXX, from XXXX XXXX XXXX, regarding this balance. I confirmed with my health insurance carrier [ XXXX ] at that time that the account was an error, and I had no financial liability. A month or so ago I received a XXXX from XXXX. 1 ) original service provider [ XXXX XXXX XXXX ], 2 ) XXXX [ XXXX  ], 3 ) current creditor [ Pendrick Capital Partners LLC ], 4 ) Current collection agency [ XXXX XXXX XXXX, and 5 ) Previous creditor, as listed on the validation letter [ XXXX XXXX XXXX ] The 1st is no longer involved and can not help. The second says Im not liable and they can step in to help. The third says XXXX will handle the dispute. The fourth, XXXX, says their client handles the dispute ( poor training? ) And the fifth pointed back to all the above mentioned businesses. XXXX rep said he didnt know anything about credit because he was new. He said he was pretty sure thee account would stay in a dispute for awhile and nothing would happen. I just found this has been repeated to credit, while in a dispute? I notified them of the dispute online, verbally, and in writing. On XX/XX/XXXX they confirmed they received the related EOB and would respond when their client got back to them. To date I have no idea what happened following that confirmation apart from being told this wont be reported. I was hesitant to seek counsel but now feel that or AG is my only option to correct this issue. The trade line alone is an FDCPA violation, not to mention false and misleading information, and failing to respond adequately and timely to a dispute. The erroneous account balance is not owed, due, or a valid debt in any way. The proof has been submitted. Why was it reported to credit while actively disputed and not validated? How will all of this be resolved? Who will take steps to confirm/deny/respond and what steps are those?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. BK OF AMER XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.

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 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
MY ACCOUNT WAS LINKED BY   XXXX   WITH   XXXX   XXXX   WHEN I OPENED AN ONLINE ACCESS TO REPAY MY LOAN. BUT WHEN I ENTERED TO THE SITE OF   XXXX   XXXX   TO CHECK THE PAGES WAS OUT OF SERVICE. I HAVE NO KNOWLEDGE OF ANY LOAN WITH   XXXX   XXXX   OR THE AMOUNT THAT APPEARS THERE. I HAVE ONLY A LOAN CONSOLIDATED WITH  XXXX  AND ALSO DOES NOT RECOGNIZE IT BY THE DAY IT WAS OPENED BECAUSE I WAS N'T ATTENDING COLLEGE AT THAT TIME. PLEASE REMOVE MY LIABILITY TO THIS ACCOUNT. IS AFFECTING MY  CREDIT SCORE  ALSO IT SAYS THAT IS CLOSE AND IS INCREASING  XXXX  DOLLARS EVERY MONTH.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2017-05-04
Company: Account Control Technology, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company keeps contacting my employer. Both my employer and myself have instructed them that I can not take personal calls for the purpose of debt collection. The company still persists calling multiple times per day.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/20 I sent a letter to CKS Financial requesting that they provide me proof of the alleged debt I owe, by providing the bearing of my signature, a copy of the contract stating I own this debt, the name, address and telephone number of the person who verified this debt. They failed to provide the requested information to me in a timely manner. When they did respond, the only thing they sent me was a brief summary balance. But no proof indicating I own this debt. 

Account # XXXX

Company response to consumer: Closed with explanation