BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This company took over the original lenders balance. I was never told who or anything until just recently. I was told by original lender they was selling the property because it was in foreclosure. They never reported it to be in foreclosure on my credit report all this time and instead have continued to say I am missing payments every month for several years now which is not true. I was told they was selling the property because it was in foreclosure. Have not received any paperwork from them either but they are extremely damaging my credit hen I have not been kept in the loop for years now. I have not lived on said property for over 5 years. I saw in local newspaper last year that the property was on the auction block and till never heard anything on this. Not even an update. They are saying I owe over XXXX now with all the additional charges they added after they took the loan over but I was never informed of that either. When they bought the loan from original lender it was in foreclosure, not they are ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX  has been continuously trying to contact me for a bill that I do not owe. I have asked them not to contact me about the bill anymore because the bill is to be paid by XXXX XXXX XXXX who charged services that I did not receive from XXXX XXXX. When I informed XXXX XXXX XXXX that they need to remove the charges from the XXXX XXXX  card they did not and kept prolonging the removal of the charges. Initially, I began paying the bill each month for approximately 2 or 3 months, so that it would not affect my credit due to late payments and such. However, because they did not remove the charges from the XXXX XXXX  card immediately I stopped paying and informed them several times that they need to contact XXXX XXXX about the correction that should have never been applied to the card. After several months XXXX XXXX spoke with XXXX XXXX who only replaced approximately 80 % of the original amount. And, as stated above, I had paid them several payments in which I did not owe. XXXX XXXX is holding me responsible for the charges that I did not incur. XXXX XXXX continues to call me on the phone, send letters and contacting family members which does not live in my household. Collection agents are calling family members lying to them about why they are calling the family member stating that I used the family member as references. I have informed the collection agency to stop calling and would report them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: WI
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:
EXPERIAN has a duty to the FCRA to report correct and accurate information on my credit report and file. They, however are NOT. EXPERIAN is reporting XXXX inaccurate late payments for both XXXX  XXXX XXXX  accounts ending in XXXX and XXXX these include 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. Furthermore, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. In addition, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is blatant that EXPERIAN violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-03-30
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: Credit inquiries on your report that you don't recognize

Complaint:
did not authorize or do any of these hard inquiries on my reports : XXXX XXXX XXXX XXXX XXXX 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 2021-01-13
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: Was not notified of investigation status or results

Complaint:
I have sent a series of letters to Equifax, XXXX  & XXXX  with no response to my dispute and issues. I am a single parent that is now living with my parents and have been affected by covid-19. I have been reviewing my inquiries and I saw where companies have just been pulling unauthorized inquiries and i had to put a lock on it and I called the credit agencies however they left the inquiries but did lock my report as requested. I sent letters and nothing happened like I am being ignored. This is hurting me financially which is making me very emotional especially with covid happening. I suffer from anxiety and I just need my letters to be responded to. its been over 90 days and still nothing and each time I step out my door to mail off letters in the post office i'm feeling fear of covid-19 and I shouldn't have to go out if they respond to the phone calls. I have been scammed about student loan I paid to a company and I didn't realize that in the cares act all payments are suspended and then later forgiven. I qualify for the student loans to be deleted or forgiven and the credit agency still has not upated the new legistration on student loans being forgiven and this is stressful. Cares Act 3513 A, B, C, D, & E.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Since XX/XX/XXXX I have tried to close checking, credit cards and line of credit accounts with US Bank. I have tried in branch, at drive up windows and their call center ( XXXX ). I sold my house in at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and stopped using the XXXX XXXX at a neighborhood XXXX  Store too as of XX/XX/XXXX. That address at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank continues to send confidential information to that XXXX XXXX that I have not used since XX/XX/XXXX. I moved permanently to Florida on XX/XX/XXXX. On Friday XX/XX/XXXX I received a collections letter from XXXX XXXX trying to collect money from me concerning bills I never received from US Bank for fees on accounts I thought I had finally, successfully closed once again on XX/XX/XXXX via multiple calls into their call centers. That did not happen. Instead without my knowledge or authorization US Bank moved funds from a line of credit every month into the checking account I thought I closed and then added additional fees to my accounts and never send me a paper bill. On XX/XX/XXXX I wrote a written response to the collection agency with documentation showing they were attempting to collect monies not due. Next, I called into US Banks call center and opened a new request to close all accounts that request is filed under their system as XXXX. But was told I needed to call their credit card department at XXXX on that request # XXXX I may be canceled one of many credit cards I need closed but are still billing service fees on other US Bank products I thought I had closed, most recently in XX/XX/XXXX. The agent told me one of them she was unable to close. That another dept. @ XXXX handled those accounts but I would need to verify an account number that ends in XXXX of which I have no record of. Now I am concerned there are fraudulent accounts tied to my social security number and what US Bank calls my Total Business Account which seems to me some master file that I can not access all of via their web tools or with their call center agents. I am a XXXX widow living in Florida and there are no US Bank branches in Florida XXXX I need 1 person, who will be held accountable to research all their data bases and clean up my records and close the accounts I have asked them to with a XXXX balance as I have not used any of them sometimes in 5 years and others since XXXX of XXXX the last time, I thought I had closed all the accounts I needed to close.

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 2023-02-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 accounts at XXXX XXXX which were both closed in XX/XX/2023 however XXXX XXXX has willfully and inaccurately reported both accounts as OPEN to Equifax on XX/XX/2023 in complete disregard to the FCRA and Metro 2 protocols. When I closed my account I warned XXXX Bank that I insist on immediate reporting to every CRA of the closure otherwise I would seek {$1000.00} in statutory damages for every willful FCRA violation yet XXXX XXXX still has willfully reported my closed account as OPEN. I demand {$1000.00} in statutory damages plus permanent deletion of both accounts from every CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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:
Called to schedule payment and gave them the account information and the account number wasnt correct and the payment never went through agent was working remotely and had terrible phone service I requested them to fix this and they never did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX I wish to complain about Transunion, XXXX and XXXX in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit.

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( Transunion, XXXX and XXXX ) to report anything on my credit without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX 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.

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 2022-08-31
Company: EQUIFAX, INC.
State: DE
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 XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I used The Wells Fargo ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX. 

I tried to withdraw {$680.00}, my account was charged for the amount plus transaction fee however no cash was dispensed and an error message appeared on the ATM machine screen. 

I went into the Wells Fargo branch directly after and was told there was nothing they could do about it as they do not service their ATM machines.

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 2022-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Portfolio Rexovery Associates has illegally obtained my credit reports without my verbal or written consent. They have previously done this XX/XX/2022 and again XX/XX/2022, I have no known accounts, nor any communication in regards to any accounts with this company. I am requesting them to please stop obtaining my 3 credit reports from all 3 bureaus without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
One day I wake up and I cant get into my cash app. It was a big ordeal bc you cant talk to somebody and have a real conversation. Well I had a deposit fixing to land so I reversed the deposit b no couldnt even get chat support bc the cash app had some issues come to find. Well why didnt they just say do. Next thing I know they close my account. They make me feel like some kind of criminal and I dont appreciate it. Its wrong how they do me and maybe all the call holders are getting blamed for stuff. They keep tesponding the same thing like a broken record. I dont want any bitcoins or stocks. They will allow me to do that but not send money to my daughter. Makes no sense. I would like an explanation. I told them last night to completely close all my stuff and they have my tax info from last years taxes. Im concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TitanPrep Inc
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I thought I was talking to my student loan servicer itself but I was actually speaking with a third party consultant that I am not actually in need of they wanted to charge an upfront fee of {$290.00} and I am not needing their assistance since this information is free of charge. The company claims to be able to help me get lower payments in the future and that they have access to help me. I have called them to revoke my payment but there has been no one to answer or return my calls. the company is called Titan Prep Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: CITY NATIONAL BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX at XXXX XXXX  PST I called customer service at CNB for my credit card ( XXXX ). I was calling to close my account since I had not been using it, and there is no reason for me to keep an account open that has an annual fee which I am not using. The annual fee was charged to my account on XXXX XXXX, and so I called at the first opportunity I had available to address it. 

I was told that the annual fee ( {$400.00} ) would not be reimbursed if I closed my account, and I was responsible for the full year membership fee of a card which I had not used and was closing essentially at the same time the fee was being assessed. 

This bank 's practices is a clear example of customer abuse whereby the bank refuses to revert an annual fee charge even if the customer does not use the account at all following the charge and immediately contacts them to close the account. I would imagine there are many people such as myself who have forgotten about this card until the annual fee posts, and called to cancel and have the fee reversed. This is what literally every bank other than this one does. I also suspect that many people just pay the annual fee and forget about the card for another year, repeating the process - which is clearly an abusive practice by this bank. 

I made a reasonable request for my annual fee to be reversed and my card account to be closed. I was told that in order for an annual fee on a card to be reversed, a " personal banker '' would need to see if that was an available option, and if so, to do it. The customer service rep told me that she would submit the request on my behalf. Since then my credit card statement with the annual fee has posted, and I have yet to receive any indication from anyone at this bank that action is being taken to reverse the annual fee and close my card. 

I would like my annual fee to be reversed and my card account to be closed. This is a reasonable request on an account in good standing that has no use following the fee being assessed, and the request being made shortly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon pulling my credit report, I noticed that there is an account from IC System, INC in the amount of {$110.00} that does not belong to me. I do not know what this is for, and I have not heard from this company and had no knowledge of them until the account showed up on my credit report. Per the FDCPA, within five days of attempting to collect on a debt, the FDCPA requires a collector to provide validation of that debt. I have received nothing from this company.

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 2023-03-30
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

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 non-monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2022 XXXX XXXX sent me a letter stateing a report was sent out to trans union, to update the accounts XXXX XXXX-account ending in XXXX which was under a 1099-c with account ending in XXXX and XXXX XXXX-account ending # XXXX under a 1099-c under account ending in XXXX, trans union refused to remove the whole accounts, after the creditor sent me a letter stating to remove the whole account, a dispute by me to trans union, XXXX XXXX  letter, two 1099-c forms and trans union credit reports of XX/XX/2022.

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 2019-08-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have attached a documents that clearcly shows inaccuracies, specially the reported payment history.

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