BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Bread Financial Holdings, Inc.
State: NV
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 first complaint was resolved after you contacted them. 
You closed my complaint # XXXX because " it has been resolved ''. 

Please note that above complaint is a totally different problem. 

So they gave me the credit of {$1000.00} after 4 months, however that charged attached account {$1000.00}. Attached account is firstly a closed account and second charged me the {$1000.00} that they credited to my then open account. 

I am therefore not paying them a dime BUT I am afraid that they might report me to the credit bureaus as " late payment ''. 

PLEASE help me on this one. I feel that they are intentionally doing this to harass me. I am getting stressed out by them. I have also waste a lot of time since the credit issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday for months Transworld Systems INC has been calling from different numbers after Ive blocked them from contacting me. I have already tried to resolve this with their office but they will not comply. Very annoying and I shouldnt be subjected to this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that if failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cost me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I checked my American Express account after receiving notice that I was charged a late fee. I was not supposed to have a balance in the first place because a balance transfer of {$360.00} was supposed to have occurred. XXXX XXXX XXXX had approved a balance transfer from the American Express account. However the charges still remained on the American Express account. I also was charged a {$40.00} late fee for not making the XXXX payment. When I called to speak to a representative she said that American Express changed their policy and weren't allowing balance transfers during the pandemic. The information did not sound correct to me. She said all she could do is wave the late fee for me. Then she said my account maybe subject to APR penalties because of the missed payment. This is not fair at all. I called another American Express representative and he said this should not have happened. But it did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I contacted XXXX who is one of their phone representatives for U.S. Bank on XX/XX/2023 at XXXX XXXX  to request Checks for my 3 checking accounts ( Business Checking, IOLTA-Attorney Client Checking, and Personal Checking Account ) at a cost of {$250.00} ( {$120.00} for each Business Account and {$18.00} for the Personal account ). 

I had to order checks because all the noted accounts used to be under Union Bank of California but were taken over by U.S. Bank as of XX/XX/2023. U.S. Banks changed the Account Numbers and Routing Numbers for all my account. 

My complaint is that I should have not been made to pay for the new checks since the need for new checks was not my doing. U.S. Bank bought Union Bank of California and changed the routing and account numbers. I was forced to buy new checks so I want U.S. Bank to refund the {$250.00} that I paid them. XXXX told me I had no choice and had to pay.

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 2021-01-07
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage was paid off by the federal assistance program, Hardest Hit Alabama, in XXXX. 2019. Instead of applying the payoff amount when received, XXXX XXXX ( formerly PHH ) carried it into XX/XX/XXXX. 

Consequently, XXXX XXXX, has held, refused to refund, and collected interest on our escrow of $ XXXX and applied it as a late payment. 

XX/XX/XXXX - XXXX Total Balance Due. 
XX/XX/XXXX - {$2000.00} Total Balance Due. 

There shouldn't have been anything that came out of the Escrow as we had switched insurance and paid XXXX directly. 

I encourage them to look into account history XXXX loan # XXXX XXXX as it should be well-documented due to the number of calls and written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated repor
t. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to deposit my check on XX/XX/XXXX and they said the funds would be available on the XXXX at the teller window of bank of america. Then I get a email saying they are placing a hold on my check until the XXXX, this is 12 days after I deposited my check. They have received funds from the bank but are not willing to release them for no reason at all. This is pure 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 2023-11-10
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I was notified my mortgage payment is increasing on XX/XX/XXXX. Currently I pay XXXX / month, they notified me it's going up to XXXX / month. This is a XXXX dollar difference per year- they claim my shortage is XXXX. They are billing me more than the shortage. 

Also my property taxes are capped in WA at 1 % assessed value rates for the year. My rates right now are 0.92 %, but even if that has increased my total max tax payment theoretically in XXXX is lower because my assessed property value has decreased. The max is 1 % of assessed XXXX- which would be XXXX per annum and chase is quoting XXXX. They are projecting my insurance premium goes up by XXXX dollars a month - my premium is constant for the last 3 years. Nothing adds up. They say I can not recalculate this broken analysis before 2 months, which is how long I have to pay the shortage to keep my payment the same. 

They also claim they notify escrow increase in XXXX on their website. No such early notice was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My credit score was at a XXXX and I checked it a few days later and Im the XXXX I want to build it back up

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 2022-10-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have occasionally used a XXXX XXXX ( TD Mastercard ) to make purchase at XXXX during the last year. In total I have made {$390.00} in purchases and incurred {$240.00} in late fees and {$20.00} in interest charges. This is equivalent to being charged XXXX percent. I have paid the fees and will close my account, but I want other consumers to be aware that Target/TD XXXX may be intentionally ignoring requests for automatic debit in order to earn fees. 

I have tried multiple times to set this card up with automatic debit, both online and by calling them. I connected my checking account and selected automatic debit on the website. Instead of enrolling the account in automatic debit, I have logged in multiple times to find that they charged me late fees for not manually making a payment. I believe this is an intentional practice to earn late fees. I have called the company to set up automatic debit, but I am still getting charged fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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: Information belongs to someone else

Complaint:
I have filed a report before all other accounts that where not mines where removed due to inaccurate information or never doing business with that company. XXXX XXXX XXXX XXXX is the only one that remains

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 2022-09-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-04-12
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: Account status incorrect

Complaint:
I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to TransUnion. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the 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 2023-02-20
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

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 2019-07-03
Company: Sequium Asset Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I sent Sequium Asset Solutions a formal request to send me any documentation bearing my signature. They have failed to do so and stated that their verification is valid and I have to pay this debt regardless of what I say. Sequium Asset Solutions have failed to show me proof of documentation wit their company bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to you to express my grievances with the following matter : Escalation issue tracking complaint case # XXXX. 

Wells Fargo Fraud detection team has erroneously marked our company 's XXXX  XXXX XXXX Business checking account which also belongs to our corporation as fraudulent and blocked all outgoing transfers to that account. This was a technical glitch as we have no reason to be blocked, and I have exhausted all resources in attempting to remedy the problem. We have been a loyal customer for many years and I am amazed at how there is nothing there can be done to remedy the problem. Please have someone from your company 's Fraud team communicate with XXXX XXXX of Wells Fargo ( XXXX ) XXXX, as he is very familiar with the details of this case. 

Frankly, I am shocked at how poorly this has been handled, Wells Fargo needs to do better.

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