BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 US Bank sent me a letter letting me know that they have elected to close my personal credit card and my business credit card. The only other information provided was the name and phone number of someone who worked there for more information. 

I called that number, and I was told that MONTHS AFTER i voluntarily chose to close my personal checking account, they chose to do a review, and because of that review, they have chosen to close my credit card accounts. I asked why they needed to close my credit card accounts, especially since there is nothing wrong or illegal in me closing my personal checking account. The individual who i talked with over the phone from US BANK said that that is all the information they are given, and if I wanted more information, I would need to mail the Office of the President, so I did. 

When i received a response from The Office of the President, a few weeks later, they reiterated the same information that I already knew. They said that they can't share what the review findings were, but that they are in their right to close any accounts they see fit because it is in my card member agreement for my credit cards. 

I have never been late, delinquent, or have missed payments. I still don't know why my accounts were closed, and it is frustrating to try and get an answer from US BANK. After this occured, a few weeks later I applied for a Business Credit Card, and was denied. Part of the reason was the following : " Credit obligations with us have been delinquent ''. I have never had any delinquencies with them, and US BANK has chosen NOT TO TELL ME what has made me delinquent. 

This behavior by US BANK is unfair, and inappropriate. I get the feeling that because i chose to close my personal checking account months ago, they retaliated by closing my credit cards, and making sure i never receive any of their products again.

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 2022-10-31
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: Account information incorrect

Complaint:
The payment history reporting from XXXX XXXX XXXX is incorrect. If the car was repossessed in XXXX, why is it showing late from XXXX XXXX XXXX? It is not possible for this account to late after or to be charged off before repossession. Which shows XXXX XXXX XXXX. 

This is a violation [ 15 U.S.C. 1681 ] ( 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. 

I'll like to know why am I am being targeted. I have rights that should be honored. This inaccuracy has caused suffering. There are over 12 payments that are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is our 5 th, Complaint about Wells Fargo Home Mortgage mismanaging our home loan. After receiving our XX/XX/2023 bill for {$1800.00}, we paid {$1900.00} dollars. then for our XXXX bill 2023, we noticed that our payment was Unapplied towards the loan. For almost a year we had the same problem with Wells Fargo Home Mortgage Un applying our funds towards our loan which resulted in Wells Fargo Home Mortgage filing an unlawful foreclosure on our home causing us to hire an attorney for Wells Fargo mismanaging our loan, ( which Wells Fargo had the foreclosure dropped ) but funds were unnecessary spent for Wells Fargo mismanagement, now in XXXX 2023, We are having the same problems with Wells Fargo.

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 2022-04-29
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Consumer Financial Protection Bureau Subject : CMRE Financial Service, INC-Debt Collection Account Number XXXX Reference # XXXX On XX/XX/2022, I was admitted to CXXXX XXXX XXXXXXXX XXXX XXXX I XXXX of 2022. I received a demand letter from CMRE Debt Collection. 
This letter stated I owe a balance of {$200.00}. For services rendered at XXXX XXXX XXXX. 

It should be noted that I had not received a written or electronic billing statement in the amount of {$200.00}. Prior being placed in debt collection with CMRE Financial Service, INC-.

I promptly called CMRE on a recorded line to decipher where this bill had originated. I asked the CMRE Representative if they were collecting on behalf of XXXX XXXX XXXX XXXX XXXX or another local or XXXX XXXX XXXX XXXX. 

CMRE was unable to provide this information. 
XX/XX/2022. I paid CMRE Debt Collection in the amount of {$200.00}. ( Check # XXXX ) via U.S Mail. 

XX/XX/2022 this check ( Check # XXXX ) was posted and {$200.00} was withdrawn from my checking account. I have included photocopy verification illustrating that check XXXX was indeed accepted as payment. 

XX/XX/2022, I received a second demand letter from CMRE Debt Collection. Same Account Number XXXX and same Reference # XXXX This document claims owe a balance of {$200.00}. The amount that CMRE Debt Collection redeemed as payment on XX/XX/2022. 

I continue to receive Voice Mail Messages from CMRE indicating I owe debt..

I have since contacted CMRE Financial Service, INC and requested they provide written verification that there is no current account balance owed. As of the writing of this letter this matter is unresolved. 

Should this be in the realm of your jurisdiction to Investigate and assist settle this matter I would truly appreciate it. 

Respectfully, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: SYNCHRONY FINANCIAL
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of this year ( XXXX ) my wife and I found out someone had used my name and social security number to open a Paypal Credit Card with Synchrony bank back in XXXX of XXXX. The person who opened the account had been making the minimum payments of {$20.00} for a few months and then stopped paying resulting in this credit card being sent to collections. It has caused my credit score to drop XXXX points. I immediately contacted Synchrony Bank to find out details about this card and how I can submit a fraud claim. They verified that the address they have on file where they have been mailing bills to was not the same as my address but would not tell me the address they have on file and would not tell me what purchases were made on the card or who was sending them payments. Once I received the fraud paperwork in the mail from Synchrony I filled it out and sent it to them and they have just sent me a letter back saying they denied the claim. Their reasoning was that statements and collections notices had been mailed out even though they have already verified they did not have our address on file until I called in XX/XX/XXXX. Synchrony Bank is saying I'm responsible for this {$1800.00} credit card debt but they won't even tell me what address they have or what purchases were made. I would like to have them remove this card from my credit report as I did not open the account. Someone stole my identity!

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 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
INACCURATE & INCOMPLETE INFORMATION ON MY CONSUMER 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 explanation
Consumer complaint received 2023-07-29
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2023 I sold my collection to another person. We used PayPal for the transaction of {$1600.00}. Paypal took out a fee of {$47.00}. Leaving me with {$1500.00}. Paypal informed me that it will take 21 days for the money to clear to make sure the buyer was protected. I waited the 21 days. On XXXXXXXX XXXX XXXX XXXX, I checked my account and they were permanently disabling my account and that I can not use PayPal anymore, they stated they will hold my balance for 180 days. I did nothing wrong to have this happen. I want my money from this account. I called the business and they stated they did not see any reason why this happened but had to send this to the review board, which can take 7 days. 
I want Paypal to remove the limitations and I want to be able to get my money and transfer it out of PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$8400.00} XX/XX/XXXX XXXXXXXX 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 15 U.S.C, 1681section 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 an 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 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 2020-07-30
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was out of work for several months and went mont a few weeks ago. I was given a forebearance but it would all have to be due in 3 mos. I took the last of the money I had and borrowed the rest to make my last month payment because I dont want to lose my home but knew that I would not be able to pay 3 mos all together. My XXXX payment is due and Im still offered the same arrangement. I dont see how thats helping. I asked for the ombudsman contact info but it wasnt given to me. I was referred to the manager whos handling my forebearance. I dont need to talk to him because the answer will still be the same. I am back working but Im behind on everything needless to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: ACIMA CREDIT, LLC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
In XX/XX/XXXX my husband XXXX XXXX XXXX got XXXX  and was XXXX  from XXXX until XX/XX/XXXX. We have reached out to Capital One and the credit agencies regarding the last payments that were posted to his account, Under the Care Act, creditors are not supposed to report late payments due to the pandemic, We are homeless and are trying to purchase a home but the late payments report is not allowing us to purchase a new home. We need this incorrect information to be removed so that we can apply for a VA home loan. my husband 's name is XXXX XXXX XXXX ssn XXXX and dob XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My USPS certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As of XXXX of XXXX I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and XXXX XXXX and still no response I need this DELETED ASAP.

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 2021-08-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXXXXXX XXXX I received an alert that SYNCB/LOWE 'S XXXX placed a credit inquiry on my XXXX  credit report. I contacted SYNCB/LOWE 'S the same day I got the alert. The agent I spoke with me had no record of my credit application I contacted XXXX via phone and sent a letter challenging there findings. I received a letter back in the time allotted for the major credit bureau to responding, in which, they verified the information as correct. I sent another letter explaining that FCRA allows a consumer to have full disclosure on the information obtained from the creditor, this wasn't provided and the inquire still remains on my credit profile. 

On XX/XX/2021 I received an alert that XXXX  - XXXX XXXX placed a credit inquiry on my XXXX  credit report. I contacted XXXX  - XXXX XXXX the same day I got the alert. No resolution has been made to remove this inquire.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I found several unauthorized inquiries on my credit report that TransUnion refuses to remove from my file. TransUnion can't verify that the information is accurate or provide proof that I authorized these inquiries. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: KY
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$82.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$940.00} XXXX XXXX   XXXX {$800.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX {$3900.00}

Company response to consumer: Closed with explanation