BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
problem getting inacurate information disputed

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 2023-05-02
Company: Experian Information Solutions Inc.
State: NC
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 tried on multiple occasions, to dispute the inaccuracy being reported on my credit report from a collection agency, XXXX XXXX, with regard to a previous account with XXXXXXXX XXXX XXXX in XXXX XXXX, CA. 

I moved in the apartment at XXXX XXXX in XX/XX/2019. I paid a security deposit of {$4300.00}. My rent was {$2100.00} monthly. 

I moved out in XX/XX/2019, with 2 months of rent owed in the amount of {$4300.00}. 

I should only owe {$80.00} to XXXX XXXX, as they kept my entire security deposit when I moved out. I never received any itemized bills stating that there were any damages, so the entire {$4300.00} in security deposit fees should have taken care of my balance due.

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 2022-12-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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:
To who it may concern I'm writing to get some inquiries investigated received my chexsystem report consumer id XXXX below is a list of inquiries I did not consent to 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 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  please investigate and let me know how you guys did it this is unbelievable

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 2021-06-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am filing a complaint against synchrony bank I had a {$5000.00}. XXXX credit limit with them with XXXX XXXX every time i was close to paying off they kept coming up that they are reducing my credit limit I have not been late on my payments now that i am done paying the card they reduce my credit to {$19.00} when I called in to complain I was told by some so called XXXX  in XXXX who stated it was a business decision for the bank to reduce my credit limit!!! Synchrony bank is a reap off!!! They have the worst customer service representatives in XXXX who do not know anything about the US banking systems they dont even know how to login a complaint instead of trying to help the customer they are arguing and putting their bank at risk for bad publicity that would affect their shareholders synchrony bank has one of the worst customer service. The credit started in XX/XX/2019 that should have ended for 36 months but I am finished paying for the credit I would not recommend consumers to deal with this bank they are a reap off

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 2018-10-08
Company: WELLS FARGO & COMPANY
State: CA
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:
My wife had unauthorized transactions the amount total was XXXX from her Wells Fargo checking account .These transactions occurred between XX/XX/XXXX to XX/XX/XXXX a total of 60 transactions according to records provided by Wells Fargo . There are 3 companies that where taking her money without her consent They are XXXX, XXXX and XXXX When my wife realized that the transactions had occurred it was not until around XX/XX/XXXX. She then contacted Wells Fargo and had the bank first stop these companies from using her account o pay for the services. My wife had not made any of the purchases showing in her account. They where made falsely by another party somehow. The bank did the investigation and on XX/XX/XXXX they sent a letter to her and stated they would reimburse {$330.00} FOR THE UNAUTHORIZED transactions. They stated that any transactions more than 60 days could not be reversed. I her husband then wrote a certified letter to the Wells Fargo Operations Complaint Management office in XXXX  ca.and explained that the most likely reason my wife did not notice these charges was because she unfortunately has been treated for XXXX XXXX for the last 5 years.

Most of that treatment is XXXX and she was XXXX   much of the time. Since I have retired am better able to assist her with her bank account.The result of my letter to Wells Fargo was they as of approx XX/XX/XXXX and credited her {$520.00} which we are grateful for. However it just does not seem correct that a Bank who makes so much profit can not extend to her the full amount taken from here account with her condition. I want to help her as well as she is on XXXX, She worked all of her left until she got sick I am retired now so our income is somewhat limited. I don't know if there is anything that can be done by your organization to help her. The letters I received from Wells Fargo state that transactions over 60 days they would contact the merchant and attempt to recover the money This process could take up to 120 days. Perhaps you could find if Wells Fargo has contacted XXXX, XXXX or XXXX and the amount they credited her account individually. Then I can write and contact XXXX, XXXX and XXXX  and explain the situation and perhaps they might reimburse her 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 2023-08-11
Company: EQUIFAX, INC.
State: NE
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:
Per 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. 

I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last reported date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an attempt to collect a debt in the amount of {$5400.00} letter dated XX/XX/XXXX from Unifin. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. 

This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account which was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name XXXX XXXX XXXX ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. 

The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. 

Please be advised I have requested VALIDATION { not verification } ( Notarized and mailed via USPS Within The 30 Days of XX/XX/XXXX ) of an item sold to Unifin by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There was fraudulent charges on my account that was clearly not made by me, and Wells Fargo tried to say it was me when I told them to check the cameras to show that it was not me they closed my account and said it was my fault when they didnt do anything to check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Kriya Capital, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/22 i got alert from XXXX  saying a had account added to collection for XXXX this account is absolutely fraud the name is similar and address is only similar in XXXX this is not my account Credence Resource Mana knows this account needs to be removed immediately I have filed police report and ftc report I also have obtain lawyer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: ACS Education Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX 2016 I began application process for IBR plan through my loan holder ACS. After faxing multiple forms provided to me on several occasions and emailing said forms I had fallen delinquent on my account so they suggested I put my loan into forbearance. After several month I was approved, given a reduced payment, taken out of forbearance and my accrued interest was rolled into my principal. I made the assigned payments on time each month. Each month I noted a late fee of {$120.00} about which I called on several occasions and was given a different reason each time. The most recent reason for the late fees I have been given is that my reduced payment amount ( that they assigned to me ) did not even cover the monthly interest and the late fee was accessed because I was not making a payment onto my principal. I then requested the dollar amount I would need to pay to avoid paying a late fee the following month and the operator was unable to clearly give me a dollar amount to pay in my next payment. I have had no resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Experian Information Solutions Inc.
State: NY
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:
as of XX/XX/XXXX2019 my FICO score dropped from XXXX to XXXX for no reason.

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 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by  XXXX   XXXX . I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it.

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 2023-07-16
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia. XXXX XXXX Night of XXXX of XXXX XXXX XXXX XXXX To : Manager Customer Accounts, HONDA FINANCE EXCHANGE CUSTOMER ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX From : XXXX XXXX XXXX General Executor XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Dear Manager Customer Accounts, I have sent you some documents related to account number XXXX at address XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX to this date we have not received a response the service for payment, the document sent to you concerning this account was a Estate/Trust Estate letter , certificate of trust and the billed was not responded too. 

The 1099A made out to HONDA FINANCIAL in the amount of {$24000.00} for the full amount of services any future bill will be continuous discharge, Restore and keep services on at XXXX XXXX, General Executor at XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. MAIL ALL TITLES TO ADDRESS ABOVE. 

Authorize Representative XXXX XXXX, Estate/Trust PAYMENT CREDITS MUST BE RELEASED TO ABOVE ACCOUNT XXXX IN THE FULL AMOUNT {$24000.00} WITH 1099A FORM, PLEASE SEND TO ACCOUNT MANAGER OR CORRECT DEPARTMENT THAT UNDERSTANDS HOW TO RELEASE THESE PAYMENT CREDITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights by reporting late payments to my consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthmore, 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech is again creating false documentation to overcharge me to facilitate a hardship so that they can foreclose. 

Ditech should be reducing my monthly mortgage payment because my required escrow balance is an overpayment. Yet, Ditech has once again created false documentation raising my note to {$1200.00} instead of lowering it to {$1000.00}. Ditech manufactured a shortfall that does not and will not exist. Ditech withheld projected balances and federal law regulating how low balances are calculated to hide that it owed me a refund of {$790.00} and that my mortgage should be going down and not up. 

I included as evidence of Dtiech 's ongoing bad faith in creating false and misleading documentation to create hardships and falsify my debts and shortfalls. The original XXXX and corrected XXXX and statement due XX/XX/2017 are not issues to be addressed in this complaint. They are evidence of Ditech 's ongoing acts and how they create documents to mislead CFPB.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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 fraud alerts or security freezes

Complaint:
I'm looking to buy a new house and don't want the current extended fraud alert on my profile to hold me up at all during the home-buying process. I'd like to have it permanently removed and have supporting identification documents in the letter which I've uploaded below!

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 2017-04-09
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have two Fidelity credit cards. Fidelity changed processors and their autopay service was stopped. Numerous times I signed up for autopay and it was unsuccessful without my knowledge. Fidelity signed up one credit card on autopay and the other did not go through. As a result they marked one payment as late on my credit report. They reversed all fees after I called and instructed me to write a letter to a separate department to notify the credit bureaus there was an error and the manager told me in 30 days the late record would be removed from my credit. I called this department 3 times holding for 40-55 minutes before the call would be disconnected. I latter received a response from Fidelity that they refuse to remove the late payment from my credit reports. 

I have always paid my credit cards monthly off in full. Fidelity made the processing error and need to remove the late payment record. Evidence of this is they refunded all late fees and admitted this to me on the phone.

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 2023-01-25
Company: EQUIFAX, INC.
State: MN
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation