BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2018-04-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a member of USAA for 18 years. I received a letter today dated XX/XX/XXXX that my credit has been lowered to {$7100.00} on XX/XX/XXXX. The decrease is based on my credit score which they stated is XXXX. I make over $ XXXX a year and have other credit cards with balance and make monthly payments and have a great payment history but what USAA is doing is harming my credit abilities and damaging my credit since by lowering my credit limit from {$12000.00} to XXXX with a credit balance of {$6600.00}, my account now show I have a high balance which will now impact my credit score even more. I have been in the process of paying off this card for several months and not using it. I believe because I have only been paying the credit and not using the card this is why my credit has been lowered. Also, if I was such a bad customer then why every time I receive my statement it show that I do not need to make a payment. Well it is because USAA wants me to continue to drive up my balance and for them to make money off the interest. This company is breaching my fair credit abilities along with damaging my financial abilities and potential further job opportunities as a result of them lowering my available credit and hindering my credit score. This practice must be stopped and I feel they are breaking fair credit laws as well as fair lending. 
When I spoke to a representative on XX/XX/XXXX, she was unable to even tell me what my previous credit limit was and was extremely unhelpful. She couldn't even help me find my statement on the website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: SYNCHRONY FINANCIAL
State: DE
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:
XX/XX/2022 XXXX, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U, S. Code 16816 In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX Creditor : SYNCB/PAYPAL Inquiry Date : XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XXXX Creditor : XXXX XXXX Inquiry Date : XXXX I AM REQUESTING UNDER FRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I look forward to receiving an updated copy of my credit report reflecting the above correction.

Thank you in advance.

Sincerely,

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 2019-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Below is the outline of the problem which I sent to Bank of America over a year ago via a certified letter. I have yet to receive a response? When I went to a local bank to open a new CD, I was informed that there was a report of account abuse attributed to my social security number. This bank was not able to provide much information due to confidentiality/compliance issues, but we were able to find out that a fraudulent bank account was opened at the Bank of America, by XXXX XXXX, of XXXX XXXX XXXX, XXXX, NY XXXX. I have never lived in NY. There was an overdraft of XXXX. When I contacted Bank of America they would not provide any additional information. I have no knowledge of this person and have no relationship with Bank of America. In short BoA allows fraudulent accounts to be opened against SSN 's without checking that the SSN actually belongs to that person. Incompetent to say the least.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: CT
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 have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct.

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 2022-04-25
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paperless billing and make automatic payments via online banking every month. I logged on to the New Rez website to look at my payment history. They assessed a late fee back in XX/XX/XXXX, because they received the payment 1 day late. I have never been late before. 

Because I do not receive paper statements, I did not know they charged the late fee or that they received my payment 1 day late. 

My online payment history ( see attached ) shows they have been marking " unapplied payments '' in the accounting of my loan without my knowledge. 

Each and every time I try to call New Rez, the line is busy. I contacted them by email form via their website over a month ago and never received a response. I asked if they could waive the late fee. I also asked why they were using the " unapplied payments '' accounting in payment history as well. No response. 

Furthermore, the last time they reported my balance to XXXX and XXXX, was XX/XX/XXXX. They reported a loan balance of {$120.00}, XXXX. At that time, my balance was {$120.00}, XXXX. The balance ( as of XX/XX/XXXX ) is now {$120000.00}. This inaccurate and late reporting is falsely hurting my credit score. 

Finally, I received a letter from New Rez ( no mention of my concerns above ) stating they have " previously paid or have scheduled to pay an insurance renewal premium and have received another billing notice from another company. '' Thye claim this will result in 2 policies being aid and it is my responsibility to remedy the situation. 

My previous homeowner policy was canceled by the insurance company ( because they don't know that I have a brand new furnace and air conditioner ). Regardless, there is no record of payment TO the company ( I called them and logged on to my account ) and there is no record of renewal payment made by New Rez showing online. 

If the phone line is always bust at New Rez and they do not answer my communication emails, how am I supposed to remedy ANY of these situations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: GOLDMAN SACHS BANK USA
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 information incorrect

Complaint:
Goldman Sacs Bank USA, is reporting late on my personal loan account for 2 months XXXX and XXXX in XXXX and 1 month XX/XX/XXXX, I was never been late 30 days as reported to all CRAs. I XXXX  outside US on job and due to te encouragement and online payment option provided by creditor I paid within time frame online from their website, as per the account agreement they haven't mentioned that I can't pay online outside of USA, and even though I paid they deferred the payment and reported as late making me to check and call from other countries to pay again and report as continuously late which is against the agreement. 

NOTE - As Goldman Sacs Bank USA has not put in agreement terms as that I can't pay online outside USA, they should not report as late. Please look into this and ensure that creditor reports all 3 payments as on time. All the CRAs are not looking into deferring of my online payments from outside USA, proof is all my payment are made online and in XXXX, XXXX I asked them to correct this online we site bug.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX and XXXXXXXX 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 2018-10-12
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had sent a XXXX electronic payment via XXXX XXXX using the US Bank Phone app to my significant other at her Credit Union on XX/XX/2018. 
After checking for the deposit over several days and it still not showing up XX/XX/XXXX I called US Bank to see why money had not been sent to the specified account even tho funds had been removed from my US Bank account on XX/XX/XXXX. 
US Bank said funds had been sent. 
After calling the credit union to check again funds show no history of transfer. 
Filed a claim with US Bank XX/XX/2018 Over the phone. On XX/XX/XXXX I received a document for signature ; on XX/XX/XXXX, I received a denial of claim from US Bank! After calling the bank and being transferred several times, I was instructed by a bank employee that I must sign the form prior to any investigation on my behalf and the missing {$200.00}.

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 2022-04-08
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: Was not notified of investigation status or results

Complaint:
I sent a letter ( Attached ) to Experian on XX/XX/22 in accordance with FCRA 611 ( a ) ( 7 ). According to USPS signed receipt letter a XXXX XXXX of Experian received and signed for the letter on XX/XX/22 ( Attached ). According to FCRA, Experian has 15 days to provide a " Description of Procedure '' used to conclude their investigation or the record must be permanently deleted. As of XX/XX/22, I have not received a response nor as a letter been initiated according to XXXX, a representative at Experian whom I spoke to on XX/XX/22.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] XXXX 's XXXX charged off my account and keeps reporting it 30 days late every month. The law does not allow for a company to charge off an account and then report further information for delinquency.

FSNB can not not be reached for a dispute and keeps verifying information to a credit bureau.

Tn Dept. of Human Services is reporting an incorrect balance and taking my money without a garnishment order and further not reporting the stimulus money in the amount of XXXX from the state of Texas. It's a violation of the Tennessee Fair Credit Reporting Act to increase garnishment without a hearing first.

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 2022-12-17
Company: EQUIFAX, INC.
State: WA
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 to do on XXXX for major medical reasons. I was awarded permanent XXXX on XXXX. It might have been XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I had worked hard to get my accounts in order. I was notified through Equifax that I had a bill in collections that was closed XXXX or XXXX now I have XXXX accounts for the same lender for the same account that has the wrong date I did open it XX/XX/XXXX I believe of XXXX they have it as XXXX or XX/XX/XXXX. I will attach copies. Ive tried to talk to them but they keep saying its the same XXXX different accounts when theyre not. I Don have them on any other collection, Bureau it made my points go down like XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a settlement agreement with account control technology for {$20000.00} On XX/XX/XXXX they send a written statement on XX/XX/XXXX They called me again at the beginning of XX/XX/XXXX to tell me that the principal amount had changed to {$16000.00} and if I wanted a new settlement I agreed and the change in the amount equals the amount of the first offset {$3800.00} The new settlement came in at {$12000.00} Then there was another offset of {$5300.00} they refuse to credit this offset to the last settlement agreement argued that it went to principal and fees when we had an agreement in place

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXXXX/XX/ the sale of my home was completed and funds were wired to my account. I checked my saving account Monday, XX/XX/, no funds, nothing pending, Tuesday XX/XX/XXXX again, no funds and nothing pending. Wells Fargo denied receiving the wire. The sending Tittle company confirmed that funds were sent. It wasn't until the Tittle company traced the wire and confirmed that Wells Fargo received the funds, Wells Fargo admitted they had received the funds, {$430000.00} Wells Fargo then claimed that it looked suspicious ( The Wire ) is why the funds were held. The protocol for that bank is to notify the branch manager, The branch manager was to notify me. This was never done, the branch manager was never notified, when the branch manager inquired about the wire the bank denied receiving the wire. This caused a lot of stress. And time trying to figure out what happened to the wire. Those funds were to be used for purchasing another home the six day delay caused me finical hardship, ( increased interest payments ) Plus stress wondering what happened to my funds.

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 2019-07-02
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Scheduled a payment of XXXX to go through onXX/XX/XXXX, mr cooper took over XXXX and did not disclose that any fees would be taken. I only authorized the XXXX and mr cooper confirmed that amount. Mr cooper also reported information wrong on our credit report. I called mr cooper to inquire about this matter. They blamed the error on the transition from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CA
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. 

AXXXX 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 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 2019-07-02
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:
There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX ( Original Creditor : XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) 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