BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I was promised a new XXXX card to replace old card, which had been possibly used fraudulently. 
Talked to XXXXsBank XX/XX/XXXX. Assured delivery next day through XXXX. 
XXXX also provided delivery notice. 
No card. 
XXXX then notified me of delivery XX/XX/XXXX. XXXX. Same happened XXXX XXXX, and no card today. 
I was prevented from filing a claim with XXXX because they are awaiting delivery status. 
They said to contact sender, or US Bank. 
I called US bank customer service on the XXXX, being advised by XXXX that tracking was incorrect. 
I was insulted by XXXX in customer service. She said she couldnt and wouldnt go anything. She claims she is a supervisor. 
I have signed up for a call today from the bank, but I am being stood up, despite three confirmations from the bank. I can provide a confirmation # if desired. 
I want US Bank to get my new XXXX card to me. Alternatively, I will close all four accounts with the bank and transfer to another bank. 
I want them to cancel the card being supposedly shipped and issue a new card immediately. 
This has been 9 days! No one is responding! 
This bank is absolutely terrible in customer service. 
I intend to file a more egregious complaint with the Attorney General for fraud in advertising and the difficulty I had setting up a CD. It was appalling and was never corrected. 
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 2023-08-05
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX helped my mother modify her mortgage With XXXX the mortgage company the first payment was due XX/XX/XXXX Sadly that is the day my mother passed I informed them of her passing and told them that I was going to to keep up with the mortgage On XX/XX/XXXX The county in Florida where the home is XXXX XXXX was hit by a Cat5 hurricane which caused major damage to the home plus the town XXXX XXXX was not in shape there was no power stores and the courts were closed for a while There was no foreclosure filing or trials put in effect for the countys effected in XX/XX/XXXX I was XXXX days behind I was able to get the payments for the XXXXdays plus one for the month of XXXX I was told to Pay a reinstatement fee that was not reachable at that time I was told that the home would be foreclosed and sold on a auction The insurance company sent a inspector out to assess the damages I lost a lot of things that the inspector wrote in the claim I was never informed or sent a payment the mortgage company kept the payment So I need help with this matter I've spoken to many attorneys in my area and they tell me they are not taking cases like mine I also supposed to have whatever was left over from the sale but the judge ruled against me XXXX XXXX XXXX XXXX XXXX I would like to have them investigated And I would like to Add XXXX XXXX to the complaint too My mother was XXXX yrs old XXXX XXXX XXXX  and only had an XXXX grade education in XXXX of XXXX she was given a XXXXyr mortgage she did a refinance which they should have never did They didn't expect her to pay off the mortgage Please someone help me with this matter I've been trying to get it done but no one wants to take my case as you can see I have some stuff that is really complex I have more but I'll stop here

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted my report from the federal trade commission this is NOT my account, I have no knowledge, they threaten a lawsuit. I never owed XXXX to cash net usa, and they refuse to delete the account and threaten legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: SECURITY FINANCE CORP
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe the account is invalid. PROFESSIONAL FINANCE SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.PFS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom It May Concern, I am writing to express my dissatisfaction and frustration with a recent experience I had with Golden 1 Credit Union regarding my auto loan payment. I have been a loyal customer, and until now, my experience with your services has been satisfactory. However, the handling of my auto loan payment for XXXX has left me extremely disappointed. 

I noticed a late payment charge on my account for XXXX auto loan payment, which was surprising since I had set up auto-pay through the Golden 1 app. Upon checking, I discovered that the auto-pay feature was inexplicably turned off, resulting in missed payments. This issue led to a significant drop in my credit score by XXXX points, causing me undue stress and potential long-term financial repercussions. 

When I contacted your customer service for assistance, I spoke with multiple representatives, each requiring me to explain the situation repeatedly. Despite my efforts to resolve the issue, the responses were consistently unhelpful and inconclusive. Notably, the last representative suggested that the problem might have been due to XXXX XXXX XXXXXXXX ( XXXX ) putting a stop on the transfer. However, upon contacting XXXX, I confirmed that there were no such holds or stops initiated from their end. 

It is clear to me that the fault lies within the Golden 1 system or process. The lack of accountability and failure to provide a satisfactory explanation or solution is unacceptable. The impact of this error on my credit score and the time wasted in attempting to resolve this issue with your customer service team is concerning and reflects poorly on Golden 1 Credit Unions commitment to customer service. Therefore, I request the following actions be taken immediately : 1. A tho
rough investigation into why the auto-pay was disabled without my authorization.

2. A reversal of any late fees incurred due to this error. 
3. A formal apology for the inconvenience and the poor customer service experience.

4. Measures to ensure such an incident does not recur in the future.

I expect a prompt response to this letter, outlining the steps Golden 1 Credit Union will take to rectify this situation. Failure to adequately address these concerns may force me to reconsider my banking relationship with your institution and seek legal advice. 

Thank you for your immediate attention to this matter.

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 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express gift card from my employer. Im unable to use to anywhere online or in person. It keeps declining. I have checked the balance and attempted to use it for half the cards value. No luck. I called AMEX and their response was use the physical card or try a different merchant. I tried both but it still keeps declining.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-19
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: Account status incorrect

Complaint:
Equifax is reporting an account that was paid off. The account was removed from XXXX and now a company called XXXX XXXX XXXX continues to place negative information on my report. They keep bouncing from one credit reporting agency to another. I filed a complaint a few months ago and haven't heard anything back. Equifax is reporting this on my credit where banks can see it but then it isn't showing on a credit report for me to dispute the creditor. This is shady and a clear attempt to prevent me from having this information removed from my credit. I want this item and this creditor to stop placing this information on all credit bureaus permanently. The original creditor XXXX XXXX has been paid. This collection agency is trying to make money at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: MD
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 ran my credit recently to start generating credit and see someone else has been using my credit. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$680.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 3 ) XXXX XXXX   opened XX/XX/XXXX amount {$23.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$430.00} a ) Block.

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 2022-12-23
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: Information belongs to someone else

Complaint:
I XXXX XXXX sent multiple letters and complaints about this United auto credit that's connected to an address that I do not know. As seen on my identification card I uploaded the address that I have resides is not connected to this account.These false information keeps being updated to my credit profile and keeps leaving a negative effect on my profile.I contacted the creditor and credit bureaus multiple times about this issue and nothing is being done.This issue is slowly giving me emotional damage. As Stated in 15 U.S. Code 1681c1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: PNC Bank N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Went to XXXXXXXX XXXX XXXX XXXX XXXX bought {$10.00} gas from pump using a PNC prepay card. Was charged {$50.00}. Called customer service XXXX XXXX XXXX. Pnc address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. CSR asked me to verify a couple transactions. She said that when you pay at pump the company will put a hold on entire available balance. I asked why she said because people dont pay all the time for gas using the card. I asked when I will get my {$40.00} back she said by 7 days or whenever it gets corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: Information belongs to someone else

Complaint:
I XXXX XXXX sent multiple letters and complaints about this XXXX XXXX that's connected to an address that I do not know. The date this account was open XX/XX/2018. As seen on my identification card I uploaded the address that I have resides is not connected to this account.These false information keeps being updated to my credit profile and keeps leaving a negative effect on my profile.I contacted the creditor and credit bureaus multiple times about this issue and nothing is being done.This issue is slowly giving me emotional damage. As Stated in 15 U.S. Code 1681c1 I XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: TX
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. 
Account name : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion just doesn't respect my rights as a consumer I sent the letter to them and they Received it on XX/XX/XXXX, Not only did they not fix the late payment which isn't suppose to be reporting on my account XXXX XXXX  + XXXX, they sent me a letter in response that said not specified, which didn't even make sense which tells me that they didn't even pay attention, because they have no proof that I gave them written instructions under the Fair Credit reporting act to report the late payment in the first place. The account should be updated as Paid AS AGREED, Show me documentation. Actually read the letter

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 2019-05-21
Company: Weber & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company represented themselves as XXXX and XXXX and collected four payments for {$190.00}, {$490.00}, {$120.00} and {$140.00} for XXXX XXXX XXXX. I paid all the amounts on XX/XX/XXXX. 
Another company named " Weber and Associates '' appeared my credit report XX/XX/XXXX for exact same amounts on my credit report for the same four amounts. 
This needs to be removed immediately from all my credit reports. 
I spoke to XXXX a representative yesterday and she demanded proof of payment. I sent her an email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
The mortgage company wants to a short sales date XX/XX/2023 and I need to keep my home and they are not willing to work with me on this issue. So i need assistance with the issue and I have tried to make an effort to work with the mortgage company but they want to start foreclosure procedures soon and I need to work with the state records office to help get the liens from an old business off my public records so I can get the modification and i can not get the modification unless I get the liens cleared from my name. 

The complaint does relate to the last XXXX complaints that I have had about my mortgage and assistance that XXXX seeking from your government agency.

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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
hipppaa and ftc violations sent over 30 days XXXX  Opened XX/XX/XXXX + {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1300.00} Original creditor : 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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
" According to the Fair Credit Reporting Act 15USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies use their grave responsibilities with fairness, impartiality, and a respect for my consumer 's right to privacy. '' Transunion is consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which express " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's non public personal information '' ( Furnisher of information to credit agencies ) the financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion do not have my written or oral consent to furnish this information .Any and all consent to Transunion whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also the 15 USC 1681C ( a ) ( 5 ) says " Except as authorized under subsection ( b ), 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 precedes the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 estates " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Transunion are not maintaining reasonable procedures. As well 12 CFR 1016 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services

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 2023-06-06
Company: Early Warning Services, LLC
State: NY
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:
I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am depressed and now suffering of anxiety, I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in 2022 and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b

Company response to consumer: Closed with explanation