BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Webster Bank has recently changed the way that their online bill pay system operates. 

When paying a bill to a recipient that does not accept digital payments, the bank mails a check to the recipient. Upon the estimated delivery date of the mailed check, the bank automatically withdraws the funds from your account. There is no way to tell if the recipient actually " cashed '' the check. 

-If the recipient never cashes the check, the funds are already missing from your account. 
-If the check is lost in the mail, the funds are already missing from your account. 
-Cashed check images that are sent via online bill pay are no longer shown on your monthly statement. 

Money is missing from your account that could have never made it into the pockets of the recipient. If the check is never cashed by the recipient, will the bank ever disclose this to you? Will they refund the money that they withdrew from your account? 

I've called Webster Bank, sent messages via their online portal, and spoke with someone at a local branch : not one person could give me a clear answer, it seems that no one understands as to how this new bill pay system functions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2022-11-23
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Payoff letter was requested from Citibank. House was sold and closing date was XX/XX/2022 Payoff check was sent on XX/XX/XXXX and received XX/XX/XXXX. Check was cashed on XX/XX/2022. 
As of XX/XX/2022 Citibank had not pasted the payment nor have they relieved me of the debt. 
I have been calling them since XX/XX/XXXX to straighten this out and they have failed to do so. They have also refused my demand to reach out to me. 
I demand an immediate release from this obligation. They have had the check for over 30 days

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 2022-11-07
Company: Experian Information Solutions Inc.
State: MS
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 noticed a few years bank a account came onto my credit report from XXXX XXXX. Ive been tried to have it removed since. Its not mine, definitely fraud. Someone had to have stolen my identity for that account.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in response to the investigations that I asked for the accounts listed below : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX In my request. I asked for verification of these accounts including ledgers and contracts with signatures. However, transunion has failed to provide me with valid proof of the existence of these accounts. I am demanding removal of all accounts listed above due to failure to provide accurate and valid proof. 

FCRA laws prohibits the misuse and unfair practices of misinformation on 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 2019-03-29
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 RESPONSE TO CFPB : XXXX Dated : XX/XX/XXXX Todays dateXX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 
I contacted [ inquiry sources name ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into Inquiry details XXXX/XXXX   Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines Universal Cr Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL 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 2022-10-09
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2023 I received an email stating " Welcome to your new XXXX XXXX XXXX Banking Account. '' I was also enrolled in Online and Mobile Banking the same day. I did not apply for an account, nor create an account.

I immediately called Bank of America ( BoA ) to close the account. I was told that I needed to file a claim, which I did ( XXXX ) and reported to the three credit bureaus. I was told by BoA my account was red flagged, but not closed. Credits could still be accepted, but withdrawals and transfers could not. I was also told I could go into any branch and complete the affidavit for identity theft. 

XX/XX/2023 I visited the BoA in XXXX, MI ( XXXX XXXX ) and provided 2 state issued IDs and a credit card and requested my account be closed. I was again told by BoA my account was red flagged, but not closed. I was told that my account needed to remain open for 90 days for investigation. Credits could still be accepted, but withdrawals and transfers could not. 

XX/XX/2023 I received a debit card in the mail from BoA. I also received a Uniform Affidavit for Identity theft, which requires me to provide copies of VERY sensitive information and still does not close my account. 

I want my account closed. It seems either BoA created this account on my behalf or someone has my social security number. Either way, I want it closed.

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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent XXXX a letter on XX/XX/2020 in regards to inaccurate and unknown things on my credit report. I disputed this account with all 3 bureaus and it was DELETED from XXXX because they could not validate the information reported. So how is it that XXXX and Transunion can validate it, if all the information reported is supposed to be the same for all the bureaus? THIS IS A VIOLATION! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. As well as another data breach. And please don't come back saying this is not me because it is IN FACT ME XXXX XXXX. This has been going on for way too long! : - (

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 2023-05-08
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
15 U.S. Code 1681- Congressional findings and statement of purpose 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( e ) Limitation of liability Except as provided in sections 1681n and 1681o of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 1681g, 1681h, or 1681m of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report [ 2 ] except as to false information furnished with malice or willful intent to injure such consumer on such date acccounts have been open since XXXX  I will attach identity theft report but the credit bureau have yet to correct addresses and account the where open illegally

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 2023-09-12
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Debit Visa Card was Declined twice to make purchases and make payments on my Orders. I always make sure I have sufficient funds which is always more that {$7000.00} to XXXX. 
I have never had any issues since I have opened an account in the XXXX. 
I have reached out to the Banks Representatives, ( Fraud Alert Department and the Branch Representatives ) None of them can give the right answers WHY, they have taken their time to Declined and Deactivate my Card

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 2021-04-17
Company: World Acceptance Corporation
State: SC
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite my persistent efforts to correct my Credit File, the disputed accounts and information continue to be reported, which has been disappointing. I have sent dispute letters and ID theft reports to the Credit Bureaus, and I have also submitted CFPB complaints, but these have been ignored. The Credit Bureaus ' failure to comply with the Fair Credit Reporting Act section 605b is a violation of my rights as a consumer. They claim the disputed information is verified, but they have not provided me with proof. I am informing the Credit Bureaus that I will be working with legal counsel to file a lawsuit if the disputed accounts and information are not removed within the time frame allowed by law. I want to avoid any trouble, and I kindly request that the following items be removed from my Credit File. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX BANK XXXX XXXX : {$65000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email on XX/XX/2021 from Capital One stating " Dont miss this opportunity to pay down a higher-rate balance with no transfer fee. When you transfer a higher-rate balance today you could save on interest with 13.99 % variable APR for 36 months. After the offer period, well apply your purchase rate of 24.49 % variable APR to any remaining balance of your transfer ( s ). Just be sure to transfer a balance by XX/XX/2021. Then think of how much you could save on interest. '' I clicked the email saying take advantage of this offer, as this deal could save me money on my debt so I wanted to take advantage, in my offers in my capital one account it states " Transfer a balance at the same rate as your purchases, currently 24.49 % variable, without paying a transfer fee. '' This is the only offer on my account, so I call customer support so they can fix it and give me the offer I was given only to be passed around to three different departments and the final answer is the only offer they can give me is the false one listed on my account for the 24.49 %. This was a huge inconvenience as it took a very long time on the phone and false advertising for debt solutions that I wanted to use. They had no interest in helping me or honoring their offer that they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2021-07-27
Company: CREDIT ACCEPTANCE CORPORATION
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:
On today XXXX I checked my credit and seen some thing on there I did do. 

Account Name : XXXX XXXX Date Open : XXXX Account Name : CREDIT ACCEPTANCE CO Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX- # Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : XXXX XXXXXXXX XXXX Date Open : XXXX Account Name : XXXX XXXX, XXXX Date Open : XXXX Account Name : XXXX XXXX XXXX Date Open : XXXX Account Name : 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 explanation
Consumer complaint received 2023-04-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint number amendment XXXX didnt see an option to amend complaints but I believe the fact that Mr. cooper instructs its reps to state if you cant pay up the forebearance all at once upon ending that the customer must refinance. As a sub server of XXXX XXXX, they should know better, and my fear is that this is forcing people, who dont research everything like I do, are unecceassilly stressed and may lose their homes. There are numerous options and Mr. cooper is directing XXXX to tell struggling home owners only two options. Im not holding my breath as Ive seen so much corruption with the banks after my mothers account was embezzled and your agency did nothing about it, despite the laws of the state we are in and the branch was based out of, they certainly broke the law, so I take these acts with a grain of salt, sadly, but by definition, this is a violation of the truth and lending act.

Company response to consumer: Closed with explanation