BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agncies are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the files : XXXX IL XXXX, IL XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX  XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have US Bank service my VA loan. I've had the loan serviced since about XX/XX/XXXX. The past two escrow accounts ( for years XXXX & XXXX ) have been calculated WRONG. The first time ( yr XXXX ), there was a surplus balance of {$4500.00} and the second time ( yr XXXX, there is a balance of {$4900.00}. This year XXXX, US bank stated that there is a {$9200.00} escrow account shortage which raised my payment SIGNIFICANTLY. I believe, this year, the calculations would not be as projected by US Bank similarly as previous years were also appears to be calculated WRONG. 

US Bank sent an " Annual Escrow Account Disclosure Statement '' that is very cryptic and hard to interpret. There are MANY numbers and tables for me to fully and correctly understand. I called several times without any success for me to fully understand. 
For instance : I'm willing to pay year XXXX balance that I owe for {$4900.00} ( refer to item A in the submitted document ) before XX/XX/XXXX ; US Bank will collect {$8600.00} on XX/XX/XXXX ( refer to item B in the submitted document ) ; US Bank will pay {$540.00} for Hazardous Insurance ( refer to item C in submitted doc ) & {$8100.00} for Property Taxes ( refer to item D in submitted doc ). 

If I do calculations ( as best understood ) on the " Annual Escrow Account Disclosure Statement '', US Bank will pay {$8600.00} for property taxes and insurance ( which would cover all my dues for yr XXXX ). 
If I pay my previous balance of {$4900.00}, the escrow account of {$9200.00} would results to be {$4300.00} which appears to be reflected on such statement ( refer to item F in submitted doc ). 
If I add items A & F, the escrow " shortage '' appears to be reflected of {$9200.00}. 

SO ( first scenario ) : If I add the collected taxes ( D ) and insurance ( C ) for {$8600.00} If I pay the required balance ( F ) of {$4300.00} The total would be ( after item A payment ) {$12000.00} WHEREAS ( second scenario ) : US Bank states that the Shortage ( after item A payment ) is {$4300.00} ( item F ) US bank will collect ( item E ) {$8600.00} Totaling {$12000.00} US bank appears to calculate dues for yr XXXX for {$12000.00}. 
WHERE it appears that my yr XXXX dues are {$8600.00}. 
THERE is a difference of {$4300.00}. 

THIS difference balance is affecting my new payment for year XXXX. 
I'm not an expert or well informed on mortgages, but I find it conflicting that US bank set the terms and does not allow the customer to make other possible arrangements ( based on RESPA Regulations ) to pay the dues - in a worst case scenario and assuming I don't pay my taxes, US bank would repo the property and not necessary the county. 

To conclude, based on the history on WRONG escrow accounts for yrs XXXX, I believe yr XXXX is also WRONG.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: ACIMA CREDIT, LLC
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:
In accordance with the fair credit reporting act. The List of accounts below has violated my rights to privacy and confidentiality under 15 USC 1681 Acima digitalXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Tx XXXX XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SD XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Block, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So I have been dealing with cash app with this for a month already I originally disputed there's about 85 different charges most of them are for {$5.00} some of those charges are duplicates or the company charged me twice or whatever but I'm not even arguing that point The fact of the matter is is the company which is XXXX it closed my account when I first told them that I was going to argue some of these charges and so therefore it took away all access for even the charges that I did make which were a lot of them it took away access to the platform therefore I no longer can even use the service and therefore I want all of my charges to be refunded so I did the dispute process with cash app and they immediately denied it by saying that the reasoning is XXXX it says something about I didn't contact them in 3 days but I contact them everyday and their support is just it's horrible they keep messaging me the same thing asking me for a good email so that they can tell me why they deny the charges and then when I give it to him they just message me with about one charge out of the {$85.00} and tell me that it's the same thing but I've never able to discuss anything or put it back into rebuttal or explain to them why I'm disputing this and why I want my money back I mean I can not access to website so therefore they just took all my money and and getting a hold of cash app anybody there that can help you is impossible I've been trying for a month everyday I have a message thread that's at least a mile long from just going back and forth and not getting anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Amortization schedule shows delayed payment.. I've been sending regular mail to Hyundai Motor Vehicle finance since XXXX!! 
Never ever a problem XXXX XXXX XXXX.. XXXX Hyundai XXXX XXXX XXXX XXXX XXXX ... no problems ever mailing to. 
Hyundai Motor vehicle Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX another new XXXX. no problem except for the Finance manager salivating excessive Greed when I refused warranties. 
While signing the contract. By the way my XXXX hyundai XXXX trade in.. XXXX up sidedown. Added on to my new Hyundai XXXXXXXX XXXX contract. Geez ... thx? 
3rd car purchase.. 
Never a problem... 

Enter XXXX... missing mails? Delayed payment credit applying to principal. 
Wasn't too concerned based on favorable Tenure since XXXX no alarm bells. 
Enter XXXX... 
Several more hiccups... numerous calls madr asking someone in the XXXX? Who doesn't disclose their Real Name about my missing or malfunctioning ..account credits. 

Enter XX/XX/XXXX payment mailed... 
Gone.. poof... now we're in XXXX XXXX 
And still no payment received. So I mail XX/XX/XXXX payment... 
And I file complaints online to uses and actually drove to XXXX post-office spoke w postmaster XXXX and XXXX XXXX.

XXXX XXXX  payment artives.arrives.. 3 days later XX/XX/XXXX miraculous appears! @! Yeah right? 
Wrong! 
So I send XX/XX/XXXX payment certified mail. 
Now I'm suspect of the receiver at XXXX XXXX XXXX XXXX XXXX XXXX. Well my payment arrives XX/XX/XXXX. At XXXXXXXX XXXX. Verified by XXXX manager at XXXX post office ( XXXX ) XXXX ... I also have copies of the certified Mail Receipts!! 
Hyundai doesn't apply credit to my account til XXXX XX/XX/XXXX!!!!! Wow. 
So now I went to XXXX XXXX XXXX where I have my checking account. 
We discover Hyundai Motor Finance a ACH method of cashing the check... there's no paper trail. It's cloaked accounting on a simple interest loan..wow.. new and improved? Safe n effective.. lol.. 
I send a paper check regular mail for a purpose! It establishes a paper trail ... hello.. Check N Balance? Right? A paper trail!!! not some phatonm digital easily manipulated ... cause after many many years of good business.. I see a dramatic difference recently with this " ACH '' gimmick of no accountability. I have the paperwork and managers of the usps to stand by my accusations of bank fraud! Breach of fiduciary relationship. Bank manipulation of a simple interest loan by AcH cloaked accounting ... thank-you Sincerely 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 2023-03-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Wells Fargo about fraudulent transactions on my account and it was not investigated. I contacted Wells Fargo after trying to resolve the issue with cash app but I had no assistance from neither parties. Im currently out of {$4000.00} and they closed my 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 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: In progress
Consumer complaint received 2023-03-12
Company: Radius Global Solutions LLC
State: MD
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:
There is an account on my credit profile from Radius Global Solutions. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S code 6802. For example, my name, social security number, and date of birth. 
Only a signed contract between I, the consumer and Radius Global Solutions would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I have not received any debt validation notice from Radius Global Solutions as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that Radius Global Solutions has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted for XXXX in XX/XX/XXXX. My forgiveness still has not been processed and every time I call the customer service provides different information or false information. The wait time is unbelievable, at least 3-5 hours if you want to speak to a supervisor. I have called the following times ( sometimes taking off a day of work to speak to someone at Mohela ) and my issue still has not been resolved : Phone calls made in XXXX ( *At this time my loans were being processed by XXXX ) XXXX - Told my consolidation looked good XX/XX/XXXX - they said call back in XXXX XXXX - Told me to escape my case to a supervisor because my employment certification forms were not being processes properly XX/XX/XXXX - Told that all my employment was approved and my account was being transferred to Mohela XXXX Not to worry. Just wait. be patient. 
XX/XX/XXXX - Mohela tells me to wait until XXXX XXXX - Said my 5 employers were approved and I received forgiveness ( not true ) XXXX - Told me to wait that by the end of XXXX I would be approved XXXX - Payment starting to get counted by only at 41 ; today they bumped up to 88 XX/XX/XXXX - waited 2 hours on hold to be told just keep waiting ; payments jumped up to 131 but 88 were qualifying ( this is not true, I have worked in Non-profits and as a public school teacher for 20 years ) XXXX XX/XX/XXXX - 2 hours on hold ; I had to go to work so I hung up XX/XX/XXXX - 2.5 hours on hold ; spoke to a supervisor who has me submit more Employer Certification Forms but could not explain why my former XXXX 's were not all accounted for If you look at my employment history, many of the months I worked are not accounted for : XXXX, XXXX, 4 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX 6 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX 2 counts are missing ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX 4 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 12 counts are missing XXXX - ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) In short, I have been waiting for over one year for my loans to be forgiven. I need the help getting through to a competent supervisor with a wait time that is not over 3-5 hours and who can fully process my application. This loan forgiveness is a difference between me being able to be a first time homebuyer at XXXX XXXX XXXX or continuing to be priced out of my rental apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: MD
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX/XXXXXXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX/XXXXXXXX

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 2023-04-11
Company: UNITED BANKSHARES, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Re : Complaining about United Bank and its associate Dear Consumer Financial Protection Bureau : I am writing to complain about fraudulent service of United Bank. 

I have three accounts at United Bank. During covid-19 pandemic period, the bank blocked my debit card and online account access. Additionally, the bank sent at least three duplicates, exactly the same statement with same account number, every month and then charged me so-called undelivered documentation fee every month. Furthermore, the bank charged me dormant account fee since late XXXX after I complained to them in person regarding the absurd charges on my account. 

Recently in late XX/XX/XXXX, I visited Unite Banks XXXX VA branch and spoke with its assistant manager XXXX XXXX. The bank associate was very rude and unwilling to help. She asserted that the bank was unable to remove dormant account fee. As to the dozens of undelivered documentation fee charged, she stated that the bank would only refund three months fee. She did not acknowledge or apologize for the banks wrongdoings which caused customers a lot of troubles. 

What United Bank has done is abosolutely wrong and may implicate fraudulent business practice. The United Bank of course has no right to charge dormant fee and undelivered documentation fee every month especially when they intentionally blocked customers account access and when a customer complained in person about their service.

I sincerely hope the Bureau investigate this outrageous deceptive behavior. I believe numerous persons had been damaged and cheated by United Bank because of their fraudulent business practice. 

If you have any questions concerning this letter, please contact me at XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX. I can also be reached at XXXX Very truthfully, ________________ 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 2023-03-11
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: Reporting company used your report improperly

Complaint:
Under title 15 USC 1681a Federal law " exclusion ''. THIS IS A VIOLATION The mortgage company XXXX XXXX XXXX XXXX was asked to stop reporting negatively on my consumer credit report because this is illegal. this is also improper use and they continue to do so even though they were verbally asked. I will start fining these corporation for failure to comply with federal laws. 
inaccurate account amounts on all three credit reporting bureau non compliant mortgage 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2023, my bill was due for {$170.00}. I made a payment in the amount of {$200.00}. Capital One applied the Interest to my account on XX/XX/2023 in the amount of {$120.00}. The interest in this Credit card has about a {$1.00} increase every month. The interest had also increased about {$20.00} every month since the start of the year. Ive never missed a payment to my account. And there is always an over draft when I only had XXXX auto drafted payments made on my card monthly. I have discontinued the auto draft payment. Now there is only a {$40.00} payment that will get placed on this card monthly. XXXX month they are charging me {$90.00} over payment. I have called and have not really got the right answer.

Company response to consumer: Closed with explanation