BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: NC
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. 
XXXX XXXX XXXX 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 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 2023-11-17
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In response to a recent complaint regarding XXXX XXXX transactions, XXXX XXXX XXXX stated the issue lied with the US Bank checking account used to make payments. Their response ( attached ) stated repeatedly to reach out to US Bank, as the error is on their end. Their response is incorrect, as a representative identified the error from their side, but US Bank has refused to provide information corroborating this. On XX/XX/2023, I received several emails from XXXX XXXX XXXX XXXX stating that payments had been returned. These payments had been made on 4 dates ranging from XXXX through XXXX for the following amounts : $ XXXX $ XXXX $ XXXX {$850.00}. After calling XXXX XXXX, I was told their system showed that US Bank had requested these payments be returned. At no point did I request the returns. Upon checking payments to XXXX XXXX were posted and available credit reflected those payments as being received, but the amounts did not leave the checking account, nor were they returned on XX/XX/XXXX. Attached XXXX XXXX statements will show successful payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( x2 ). However, attached US Bank statements from the corresponding checking account will show that those payments were not reflected. After several hours on a call with XXXX XXXX, a representative did identify an error caused by XXXX XXXX, and requested confirmation from US Bank that it did not request returns on said payments. I have been unable to receive any information from US Bank other than being told to " See statements '' as they show US Bank/myself did not request returns, but this provides no detail for XXXX XXXX offices . XXXX XXXX refuses to rectify credit bureau reporting errors caused by this until they have confirmation that US Bank did not request those payments be returned. Any information US Bank can provide regarding this checking account 's interaction with the XXXX XXXX related to these payments would be appreciated, as I have received no details after multiple attempts. Attached are corresponding US Bank/XXXX XXXX statements , as well as XXXX XXXX response to the CFPB

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 2018-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Thank you for your time. Everything that Bank of America was charged  with they did to us.forged signitures.no title deed on house.making payments to insurance companies we had no idea about.lied to the court about the deed.Even have them on tape admitting that they messed up.I am fed up with companies using the Va  to make them money. Why? My husband was at the XXXX line. He lived in the XXXX that Bill Clinton called the most scary place he has visited. My husband had to live there. Bullets whizzing by his head. To be cheated by a company that he had to fight for in order for them to grow. But to use XXXX 's to make money. I have proof of every thing they did to us.After going threw XXXX sales, they went out of state, found a realiter that belived them to be working for Va. We lost our home. And can prove that we were paid up.This was so dishonest. And in the end send us a letter saying they they forgave the loan.We need help, and the state of Delaware is to scared to help us. Because to them BOA is a good company for the state.I am sick of XXXX XXXX saying about being a vet.But refuse to help one with proof. Yes we need help. 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 2023-05-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a recent complain and never received a response. I received a check which I Will Not Cash!! The inappropriate way to try resolve this and they took more than this from me and are trying to tarnish my record. The account is closed but that isnt a reason to not try to resolve this with a {$60.00} check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Experian Information Solutions Inc.
State: UT
Product: Credit card
Issue: Late fee

Complaint:
I opened an XXXX CC XX/XX/XXXX to establish Credit and help with my moving of goals into the professional world with costs after getting my XXXX degree in XXXX, with an emphasis on XXXX, and with being XXXX so I could hold true to my vision of this. I had planned on using this XXXX card to acquire equipment, further education and unforeseen expenses, that I may need to establish myself in the XXXX so that I can be XXXX and XXXX and get XXXX with XXXX who could appreciate my unique skill set and understanding. I had DESIGNATED that my XXXX be paid always through automatic payment through my bank account at the initial time I had set up the card ( like I do with ALL my other cards/bills ) I had an excellent credit score rating of over XXXX prior to this, and I always pay my bills etc. Did n't need or use the card until XX/XX/XXXX, the system seems to have had some kind of glitch, and it did n't auto deduct my first payment that was due off a {$2000.00} vehicle repair I had put on the card ... This payment came to me sometime XX/XX/XXXX from XXXX, at which time I was furthering myself by XXXX.. and had no access or communication or awareness of the notices sent to my home in Utah. No phone calls were sent to my voicemail on my cell phone either, which was also listed on my account, only calls to my home were made. Once I got the news from home and was out of the fields of XXXX on the West Coast, that I had home messages and mail from XXXX I immediately called them and made a large payment and asked them why it had not auto paid. They had no answer, and I defended that I had set that up that way when I got the card application, and this should not have happened or been an issue, as I had stated set it up this way initially on the XXXX website. I paid them by phone with debit card, still on the road, and when I got back to a PC I went in and redid my auto payment info so that it always does that now, like every single other kind of payment I make for anything, which I always pay, on time. 
The major problem I have facing me in the long run is that Experian immediately dinged my credit after filing notice, which I did n't receive as I was away from home and this had been my very first payment required to XXXX ( which all of this will hurt me further as XXXX is evolving and as I may need a business loan someday very, soon ) also, Experian/XXXX took away my credit spending limit which I had GREATLY been counting on in order to secure goods and services for my business needs as I am in this pivotal point of XXXX life and emerging as a XXXX with a XXXX in the world.

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 2023-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
I sent a FTC letter into Equifax twice and they didn't remove the unauthorized inquiries from my credit report and a derogatory that is listed on my credit report that has been on my report since 2022 and I have also sent in a police report about the unauthorized inquiries because I didn't authorize anyone to run my credit for these companies the inquiries are from at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: GA
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:
erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
United Collections Bureau , Inc. reported an account that I have been paying on for several years against my credit report and my score dropped XXXX points. I had XXXX accounts with them and I have successfully paid off 2 in the past year. I am working on this last account/XXXX XXXX ( XXXX ) and pay monthly. They reported me derrogatory.

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 2023-08-16
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
The following accounts are inacurate and are in clear violation of my privacy. 
This is embarrassing and damaging to my reputation as a consumer. 
As a Consumer I demand the following accounts to be DELETED from my credit report immediately. 
I DID NOT give any written instructions to have any of these accounts on my consumer report. 
As a consumer I have a right to privacy and they are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX KEEPS REPORTING UNLAWFUL INACCURATE PERSONAL INFORMATION. I HAVE ASKED SEVERAL OCCASIONS AND XXXX REFUSES TO REMOVE  THIS INACCURATE ADDRESS. I HAVE ASKED IN SEVERAL DOCUMENTED LETTERS AND ONLINE DISPUTES TO REMOVE THE ADDRESS OF XXXX XXXX XXXX, SC XXXX, AS IT DOES NOT BELONG TO ME. IT IS FRAUDULENT. MY ADDRESS IS XXXX XXXX XXXX XXXX SC XXXX. AS TO BY LAW YOU DONT HAVE TO PROVIDE PERSONAL INFORMATION ON YOUR CREDIT PROFILE BC IT IS A VIOLATION OF CONSUMER RIGHTS.  I HAVE SENT PROOF AND EXPERIAN WILL NOT DO THEIR JOB AND REMOVE THIS ACCOUNT WHICH IS VIOLATION 42 USC SECTION 408 AND 18 USC 1028 A - AGGRAVATED IDENTITY THEFT.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2019-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife XXXX XXXX has a credit card with Bank of America. She disputed a charge. A generic letter was sent. While the merchant only stated via a phone callthat they did not receive the merchandise, Bank of America also asks for proof that the customer " followed the merchant 's return policy. '' They added requirements to discourage customers. 

They sent a letter dated XX/XX/XXXX from Florida. The postmark on the envelope was XX/XX/XXXX and arrived on XX/XX/XXXX. Bank of America states that the information either be fax or mailed by XX/XX/XXXX. The address is in XXXX XXXX TX and would take several days to receive ( I faxed the information on XX/XX/XXXX. ) The letter goes onto say that " If this information isn't received by XXXX XXXX, we'll close our investigation ... ..If this occurs, your account will be rebilled. '' I spoke to XXXX today ( XX/XX/19 ) and he stated that they did not receive my fax yet. 

This entire process by Bank of America is a fraud upon ALL policyholders because any written response would be outside of the due date. Please investigate.

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 2023-06-22
Company: EQUIFAX, INC.
State: LA
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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX and XXXX bought an old debt from Capital One and sued me over it. A judgment was entered on XX/XX/2012. Per XXXX XXXXaw, they had 10 years exactly to collect on the judgment via garnishment. That date passed and I notified the XXXX XXXX XXXX Clerk of this, yet this company continues to garnish my wages in violation of XXXX law. They were also notified of the date passing, yet have not sent the release paperwork to my employer, and continue to collect on this debt. While overall a garnishment can be for longer, without a renewal before that XXXX window is up, garnishment can only be collected in the first 10 years. 

This is reference case number : XXXX in the XXXX XXXX XXXX  courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Creditor Name : XXXX XXXX ( Bank ) Date : XX/XX/23 Action : When contacting TransUnion and XXXX to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

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 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I received a text message from Bank of America asking to authorize a XXXX transaction for {$3400.00}. I replied no. I then got another text saying someone would contact me. The Bank of America customer service phone number called me so I answered and spoke to the person claiming they worked for the bank. I told them I did not authorize any payments on XXXX and Ive never used XXXX. They had all of my personal information and used it to send {$650.00} to me from my own account. I received emails stating I sent the money and that I received the money which I did neither. The {$650.00} was taken out of my checking account. If I sent myself money it would still be in my account. I filed a fraud claim with Bank of America and they responded saying I am unable to get refunded that money because I made the transaction. I never made any transactions, I have filed police reports because the money was stolen without my authorization and Bank of America is refusing to credit me the funds. I am still receiving texts from Bank of America enrolling me in XXXX which I am also not doing. A Bank of America rep verified the numbers sending me correspondence but claim its not them. According to regulation e and the XXXX I am not liable if my account gets hacked, has fraudulent activity or gets scammed. I should be refunded and they are refusing.

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 2023-01-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last month I expected, incorrectly, that the Social Security payments my wife and I receive would be increasing. In fact the increase happens this month. As a direct result my XX/XX/2022 payment was returned for non-sufficient funds. This much was obviously my mistake. Historically however XXXX has re-cleared any check returned NSF without any comment. This time I received an email telling me that the check was returned and that it would be re-submitted on the XXXX. The email also stated that if the check was returned again no further submissions would take place. Since I have already received my XXXX 1098 and since it appears the payment will be returned again I first emailed them, twice, asking them to submit the payment one last time as my wife receives her social security payment on the XXXX XXXX of each month ( mine comes on the XXXX XXXX  ). When no response was received I decided to call them today. I spent over 27 minutes on the phone only to be told the same mindless rubric over and over that they could not submit the payment again because it was against their policy. Accordingly I asked for whoever worked there that could make a policy exception. I even explained to both XXXX and whatever " Team Lead '' he transferred me to that in my XXXX years in banking making policy exceptions was literally part of my job. First as an XXXX XXXX and later as a XXXX XXXXXXXX at multiple banks. 

Both XXXX, and the Team Lead, insisted that NO ONE at Rocket Mortgage had the authority to make a policy exception. They went so far as to refuse to transfer me to anyone in the executive offices based on a fabricated explanation that I would only be referred back to them just to hear the message again that they couldn't make an exception to policy even though neither one of them understood why the the policy existed. Since that was the ONLY reason I called and given my experience in the financial services industry during which one of my primary jobs was to decide whether or not to make a POLICY EXCEPTION it is simply impossible for me to believe that no individual at the company could make a policy exception. I I have no idea what they think the purpose of customer service is but in my world it's about doing everything one reasonably can to make customers happy. I've certainly had to say no to customers however I NEVER said no by regurgitating the term " that's not our policy. '' I would actually explain WHY our policy said what it said and, if appropriate, I would and did ( many times ) make exceptions. Since I can not believe no one at the company can make an exception I am asking that you document this communication as part of your regulatory process and contact me if you have any quesstions.

Company response to consumer: Closed with explanation