BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a payment of {$900.00} on this account on XX/XX/XXXX for payment due XXXX XXXX. 
On XX/XX/XXXX I made another payment for {$400.00} payment due XX/XX/XXXX. This payment was made by using the " Pay Now '' button on the account dashboard through the website, not externally. Because this was apparently the statement ending date ( keeping in mind my payment DUE was XXXX XXXX, and had been made ), this payment was applied to no balance due but instead backwards to the XXXX statement. 
I chatted with a customer service online who was not helpful nor were they even remotely nice. 
I called a few days later and the first person I talked to was nice but not helpful so I asked to escalate. I was escalated to an " Account Manager '' who was incredibly rude the whole call. " I'm not going to repeat myself '' - I'm sorry, I thought this was your job? 

I am simply asking that there is no late fee, and my account is no longer marked past due, and unlocked. It's really not that difficult, as anyone can see that I made this payment and an automated system misapplied it. When the due date I SEE on the website says XX/XX/XXXX, it stands to reason that when I press that pay now button after that date, I'm paying for the NEXT due date. 

If I am incorrect - A. this is incredibly misleading and is absolutely entrapment on their part. 
XXXX it's clear I did not " not pay my bill '', so inform me of the bug on your website so I know what's reality in the future, and make an adjustment for a loyal customer who consistently pays on time so as not to penalize me for a " mistake '' that really wasn't a mistake. 
XXXX train your " Account Managers '' to interact with clients with respect and humanity, as the way I was interacted with was nothing like that, and completely inappropriate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX, 2023, XXXX XXXX  from my ACH to open the account. 
Amount : {$25.00} to open an account as a first deposit- they lied about it not receiving it. 

I filed a claim like they told me and they rejected my claim saying they never received my money. If they didn't I would haven't been able to open an account with them. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --- Opened an account online they took my XXXX dollar deposit and lied about receiving it. I wouldn't be able to open the account without having to give them XXXX dollars. 

They still have it and never deposited it into my new account. They told me to make a claim and they said they couldn't find my money and were not going to fund my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
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:
I sent experian a letter on XX/XX/2023 demanding that method of verification be given to me along with paperwork to backup their claim of investigation, Fair Credit billing act 15 U.S.C. 1666 the are billing errors on those accounts, the remarks on the comment section of these accounts are misleading and inaccurate. There are numerous violations by experian. 15 U.S.C 1681b Permissible purposes of consumer reports 15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 16 C.F.R. Part 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION I would like this issue to be resolved by experian once and for all since they play stall tactics.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NC
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:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-04-23
Company: The Outsource Group, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX, XXXX continues to attempt to collect a debt on behalf of XXXX XXXX XXXX that has already been paid. The total is {$350.00}. XXXX 's response was that the proof of payment I sent in was for a different account : XXXX and because it was a wrong account, XXXX XXXX XXXX provided me with a credit. That is simply not true. The proof of payment which I include again here shows the following account number on the memo detail as provided by XXXX XXXX : XXXX - that is the account XXXX is attempting to collect for. If XXXX XXXX XXXX did not log the payment correctly despite the clear indication in the memo section that it was for the XXXX account, that is a XXXX XXXX XXXX issue. In fact XXXX has confirmed with me that they had not correctly logged it. If XXXX says I got a credit of {$350.00} and as such continues to collect, I have a right to see the proof of credit/cashed check. I called XXXX and stated that I have a proof of payment from my bank which shows I paid the {$350.00} and that the XXXX is clearly on the proof of payment. XXXX agent XXXX stated that XXXX XXXX XXXX said they never received payment and speaks of the same credit. 

XXXX states I received a credit however shows no proof of credit or any cashed check by me but I will review if they provide it. If XXXX is going to reply to this complaint, I would like proof of these credits in the form of cashed checks. That will help sort it out. I also include herein the cashed check with the account number XXXX  is attempting to collect. 

I oversee a legal department and am familiar with Debt Collection practices and the rights afforded to consumers. I expect not to just receive a reply saying I got a credit w/o supporting documentation of a cashed check. Simply stating one was mailed or given w/o proof of receipt in the form of cashed check is insufficient. 

Those attempting to collect the debt : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , Mo XXXX account # XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX account number : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , KY 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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 non-monetary relief
Consumer complaint received 2020-12-22
Company: EQUIFAX, INC.
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:
I have been sending letters to Equifax in regards to an alleged XXXX XXXX  asking them to verify an alleged debt, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I submitted a mortgage payoff in the amount of {$290000.00}. Mr. Cooper/Nationstar Mortgage acknowledged the payment was received on XX/XX/XXXX. This payoff included interest for the entire month of XX/XX/XXXX. Accordingly, we are due back 20 days of interest ( for the period of XX/XX/XXXX to XX/XX/XXXX ). 

Mr. Cooper/Nationstar Mortgage had provided us a payoff quote. The payment of {$290000.00} was calculated as follows, per their quote : {$290000.00} -Balance due through XX/XX/XXXX. 
{$110.00} -Late Charge per quote if paid after XX/XX/XXXX. 
{$2100.00} -Additional full month of interest if paid after XX/XX/XXXX. 

{$290000.00} -Total submitted on XX/XX/XXXX. 

We are due back {$1300.00} for the overpayment of 20 days of interest : {$2100.00} ( interest for full month of XXXX ) 31 days = {$68.00} ( Daily interest charge ) ; 20 days X {$68.00} = {$1300.00} ; To avoid any confusion, please note I have received two checks from Mr. Cooper ; neither of which included the interest charges due back to us : {$3300.00} -Mortgage escrow balance. 
{$110.00} -Refund of late fee : fee was submitted per payoff, but funds were sent to Mr. Cooper within the grace period. 

I am therefore requesting the interest due back to us in the amount of {$1300.00}. I have contacted Mr. Coopers customer service line twice ; the first call was on XX/XX/XXXX. Both times I was told someone would return my call after looking into the matter. To date, no communication has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions 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:
XX/XX/2023 Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXDOFED Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, 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 explanation
Consumer complaint received 2023-07-15
Company: Grain Technology, Inc.
State: CA
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:
Grain Technology is incorrectly reporting a balance of {$400.00} on a line of credit I had with them. The credit limit is {$400.00} and has been exceeded by the {$7.00}, but I personally secured {$200.00} of thw {$400.00} credit linit with my own money. Since they have reported the account as a charge off, the balance due is not {$400.00}, they should either credit the {$200.00} that I personally secured to the due {$400.00} and which correcrly leaves a balance due or return my {$200.00} I paid into or secured within the {$400.00} credit limit. Either way, the correct due balance is {$200.00} not {$400.00} for reasons I've previously mentioned. Grain Technology must correctly report these corrections to all three credit bureaus immediately as incorrectly reporting this account damages my credit and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX # XXXX was helping us with a cash out refinance and after we paid for the appraisal we decided to cancel and not move forward with the entire process. ( I attached the documentation when I let XXXX know twice and even called XXXX ) I never received a response from XXXX and because of that they went ahead and contingently approve the loan which means they were never told this loan was withdrawn at our discretion. XXXX never let anyone else in XXXX department know as they confirmed they were not aware. XXXX is breaking XXXX agreement with having an NMLS and not doing what the consumer wants and truthfully it seems XXXX proceeded with the loan to collect gains, as in maybe XXXX receives incentive kind of like XXXX XXXX. I am extremely disappointed and upset over this situation with XXXX and the company and XXXX needs to be watched as XXXX is not aware of how lending works and how important having an XXXX really is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: KEYCORP
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Im receiving aggressive bill collecting. This account is being paid through XXXX XXXX XXXX. Payments have been sent to this company, yet the harassing calls persist.There seems to be a concerted effort to bully me into giving more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: TX
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 explanation
Consumer complaint received 2024-01-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The 2 late payments on XX/XX/2023 and XX/XX/2023 are inaccurate and I would like to see the documentation other wise it needs to be permanently removed from my credit report and updated to paid on time never late.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding inaccuracies present on my TransUnion credit report. Despite my initial communication with TransUnion on XX/XX/XXXX, I have not received any response or corrective measures up to the present date. The following outlines the inaccuracies that require immediate attention and resolution : Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} It has come to my attention that TransUnion is reporting inaccurate information for the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ). I have a distinct recollection of the original creditor - XXXX XXXX XXXX XXXX, which is clearly a different entity than the one indicated by TransUnion. Furthermore, I have never entered into any contractual agreement with this company nor have I been contacted by them. TransUnion 's reported Balance of {$1400.00} appears to be higher than I believe it to be. Given these discrepancies, I am disputing the entirety of this account and requesting verification of the Date Opened and Date of First Delinquency. 
Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Similarly, the information presented for the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) is inaccurate. The original creditor for this account is XXXX XXXX XXXX XXXX, not the entity indicated by TransUnion. TransUnion 's reported XXXX of {$1700.00} exceeds the amount I believe I owe. In light of these disparities, I am formally disputing this account and requesting validation of the Date Opened and Date of First Delinquency. 
Account Verification Request for XXXX : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I am requesting a thorough investigation of the information presented on the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). While the original creditor is recognized as XXXX XXXX XXXX, I have not received any communication from XXXX. The reported Balance of {$1100.00} is not aligned with my understanding of the amount owed. In light of these inconsistencies, I dispute the entirety of this account and urge TransUnion to verify the Date Opened and Date of First Delinquency.

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