BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MS
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:
This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Last activity date and account status does not report the same under each credit reporting agency. I have a right as a consumer for 100 % accuracy of my credit report

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 2020-04-02
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive advised the collection company and original creditor of my XXXX XXXX military status yet they are still reporting and trying to collect a 40 % interest rate on top of the debt. 


The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to military service to no more than six percent per year, including most fees. 50 U.S.C. 3937 ( a ) ( 1 ) & ( d ) ( 1 ). In order to have the interest rate on a financial obligation such as a credit card or a mortgage capped at six percent per year, a servicemember must provide the creditor with written notice and a copy of his or her military orders or other appropriate indicator of military service ( such as a letter from a commanding officer ). Id. at 3937 ( b ) ( 1 ). The written notice and proof of military service must be provided to the creditor within 180 days of the end of the servicemembers military service. Id.

In response, a creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by a company called citifinancial via telephone for an outstanding credit card debt originally held by Citibank. To resolve it, I paid the debt on XX/XX/2018. I tried to contact the company for a letter indicating the debt was paid. No response. I looked at the charge and it listed XXXX XXXX XXXX   XXXX, not citifinancial. I attempted to contest the charge as fraudulent to my bank. They would not pursue as the charge was at a company more than XXXX miles from my home. I paid {$4200.00}. I then paid the same account to a second company who was legitimate and sent written verification debt was resolved. The first payment is now money lost by me. Request assistance. I have made multiple attempts to contact XXXX XXXX XXXX XXXX and they will not return my call. They misrepresented who they were and they did not hold the debt.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: MS
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:
This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account 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 2020-04-02
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a delinquent amount of {$3200.00} on a US Bank credit card XXXX. 
Was not working beforehand, so I decided to email US Bank that I wanted to do a 80 % settlement of {$3200.00}. On XX/XX/XXXX I received a email from US bank from XXXX XXXX they would work out a settlement. To reach out to Cardmember Services recoveries area.

Called them during that week and made a agreement to settle on four payments of the amount of {$660.00}. That the first amount would be on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Grand total amount of {$2600.00} and that would satisfy the settlement. On XX/XX/XXXX, I got a Collection letter that I still owe one payment. of {$660.00}. Called US Bank 3 different numbers, First talk to XXXX XXXX on XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, that he can't help and called other attempt at ( XXXX ) XXXX after 4 attempts and 2 hour wait on a recorded line that they only have 3 payments Only, 1 is missing that we never sent any funds. So they gave me a fax number ( XXXX ) XXXX sent all the documents that all 4 payments were withdrawals and Cleared from my personal bank XXXX XXXX XXXX XXXX. On XX/XX/XXXX I got 4 letters that Now only one payment was posted correctly and Now other 3 are missing. This does not make any sense, 3 missing and 1 Collections letter of one amount only? I give you full authority to investigate were my money has gone to CardMember Serv Loan Pmt Co Ref 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 2017-05-19
Company: NATIONSTAR MORTGAGE LLC
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 status incorrect

Complaint:
A few months back I had my mortgage payment with Nationstar Mortgage being automatically withdrawn from m  XXXX   XXXX   XXXX   bank account. It was being automatically withdrawn since  XXXX . Since that time I have never had a problem with the autodraft and I have never been late with Nationstar Mortgage. In  XXXX  however I had to switch to  XXXX  because I needed a business bank account and  XXXX   XXXX  would n't provide me with  XXXX . I switched to  XXXX  and added my new bank account to my online profile to have my mortgage payments automatically drafted from that account since I closed my  XXXX  schools bank account. I did it well before my payment was due. Come to find out, in  XXXX , I was called from Nationstar Mortgage because they never received my payment ....     When I heard this I checked online and sure enough my  XXXX  account was in fact listed on the system and there was in fact more than enough money in the bank account to cover my mortgage. I can prove this with documentation if necessary. I called Nationstar Mortgage and I pleaded with them my case as I did everything that I was supposed to do to ensure that they would get paid on time as they had been for years. It was not my fault that their system did n't draft my payment. In fact, their system continued to attempt to draft money from my  XXXX   XXXX  account even though that account had been closed. They did n't care. They blamed it on me. They did n't even care that I paid not only the monthly payment that was due and the next month 's payment all at once just to ensure that they got paid because I did n't want them to accuse me of being late again or their system to continue to draft from the wrong account. In the end, they hit my credit report with a 30 day late payment.     I am now attempting to use my credit and I am being denied credit because of this 30 day late payment. How is that fair to me? There was never any intent to pay them late. I did what I had done for years and set up automatic payments to be withdrawn directly from my bank account. Why should I be blamed and punished for 7 years for their system not drafting payments from my account like it was supposed to?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CCS Financial Services, Inc.
State: VA
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:
Notice these Fact, I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE with CREDIT COLLECTION SVCS. I know them to be a 3rd party debt collector meaning they must legally operate under 15 usc 1690 or the FDCPA. I demand to see a receipt of purchase giving them legal jurisdiction to collect any debt they may claim I own past present or future. Pursuant 18 usc 8 ANY & ALL CERTIFICATES OF INDEBTEDNESS & BILLS ARE THE OBLIGATION OF THE United States XXXX. Notice in Fact, I have never given my written or verbal permission for this item to be furnished on my consumer report which is a clear violation of 15 usc 1681b. Any violation of the FDCPA is punishable by {$1000.00} per violation. So I DEMAND these items be removed from my consumer report IMMEDIATELY or pay me {$5000.00} for every minute that the alleged debt has been on my consumer report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: GENTRY FINANCE CORPORATION
State: NV
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:
Upon Viewing my new monitoring services i noticed an account not belonging to me from company GENTRY FINANCE. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America credit card was opened without my authorization of the amount of {$5000.00} need this matter to be closed and be taken from credit report thank you

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 2020-07-26
Company: Square Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello I paid {$130.00} to someone on Cash app on Wednesday XXXX XXXX. She did not send my items to me. She blocked me on XXXX. I have found out that she has done this to multiple people. She is a scammer. She is selling items on XXXX but not sending them to the customer once we purchase. She needs to be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied to refinance our home in early XXXX. Given our payment record, strong credit and recent closed purchases of homes in our neighborhood, we assumed our application would proceed with little fanfare. 

Then we received our appraisal report, which miraculously assigned the exact same value to our home as was determined when we closed on our current mortgage in 2015. This, despite material improvements that have been made to our property, as well as ~15-20 % appreciation in our area since our purchase.

The responses provided by the Valuation Resolution team at Wells Fargo presents evidence that the appraiser & management company are incapable of objective analysis, and likely incentivized to not admit mistakes and errors. 

I believe the appraisal/management review have been done with the intent to cause disparate impact to my valuation and ability to close. 

I have exhausted the appeals process with the bank, and am turning to the CFPB as a last resort. I also plan to complete a complaint with the Uniform Standards of Professional Appraisal Practice ( USPAP )  regarding this issue. 

Thank you for your assistance and appreciate your time in consideration of this compliant.

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 2023-03-16
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account control technology ( ACT ) was responsible for collecting my student debt since XXXX. ACT was transferred to XXXX XXXX XXXX in XXXX of XXXX, yet I never received a notification about the transfer until XX/XX/XXXX. I received a bill in the mail notification that I owed money to XXXX XXXX XXXX on XX/XX/XXXX. I contacted them and they told me that they hadn't received a payment since XXXX of XXXX. I told them I was still paying Account control technology ( ACT ) ( I have bank statements to prove this ). When I attempted to login into my ACT account to switch payments to XXXX XXXX XXXX, the portal no longer existed, yet my payments were still being sent to " ACT-TRUST '' yet the payment was not being applied to my loan amount. 

I contacted XXXX XXXX about this, they told me I needed to contact my bank and report the problem that they could not fix it. This merger of accounts has been very frustrating and not good business practice. I have been charged additional interest on an account that was in good standing and being payed on monthly. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-04-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business checking account at Wells Fargo Bank , N.A . and the bank is refusing to release a hold placed on a cashier 's check. I received a check payment from a customer for the amount of {$3900.00} and their check unfortunately bounced. I then required the customer to pay me with a cashier 's check. The customer went to their bank at XXXX XXXX XXXX  and submitted payment in the form of a cashier 's check drawn on XXXX XXXX XXXX XXXX account. When I went to the deposit the check at a Wells Fargo ATM on XX/XX/2023 I received a receipt stating my funds would clear next day. To my surprise in the morning I received a message that the cashier 's check had received a hold. The hold reason was not due to fraud but rather a message that stated " Recent returned check from check writer 's account. '' I called the bank on XX/XX/2023 and was told that I needed to go into a branch location for the hold to be removed. When I went and spoke with a manager she refused to remove the hold because the check was deposited at an ATM not in branch. I waited till today XX/XX/2023 because the check is under {$5200.00} and expected to clear today. The check did not clear and I called the bank again and they stated they could not remove the hold over the phone and to go back to a branch. The Wells Fargo ATM system has failed to recognize the cashier 's check is a next day item per Reg CC rules. The bank is unjustly holding my funds in the account and refusing to remove the hold even though when they do research they can tell the check deposited is in fact a cashier 's check and not drawn on my customer 's account but on XXXX XXXX XXXXXXXX 's account. However, Wells Fargo as an institution refuses to honor the Reg CC rules and will not remove the hold. If this check was fraudulent i would understand but the failure here is in Wells Fargo 's ATM system not recognizing the check is a cashier 's check and the Bank refuses to correct this mistake. I have also incurred overdraft fees in my other accounts due to not being able to access my funds and make timely transfers.

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 2022-04-14
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: Reporting company used your report improperly

Complaint:
under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2021-05-08
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As of today, my former bank, Simple, transitioned over to its parent bank, BBVA, and since yesterday I could not set up my online banking. I called customer service and they said it would be active today, XX/XX/XXXX, since today is the " official '' transition date. Well, it's now XX/XX/XXXX and I still can not set up online banking due to " technical difficulties '', nor can I reach customer service that is SUPPOSED to be open today at this time of day, also due to " technical difficulties ''. I am not sure if my debit card works as promised as I haven't tried to use it yet, but this is PREPOSTEROUS!! How did they have months to prepare for this and still mess this up, and not even give people the opportunity to call customer service to find out what's going on WITH THEIR MONEY?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an 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 2018-05-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing to ask the CFPB to intervene in Citi Bank 's political position in no longer lending money to companies that make firearms. They were bailed out by we taxpayers, and they have no right to cut off funding and kill jobs to make political statements.

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