BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: TN
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 Account 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

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 2023-05-18
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 I received a credit monitoring notification that Firstmark Services had reported my XXXX student loan accounts as " 30 days late ''. IT WAS NEVER 30 DAYS PAST DUE. As I was in the process of obtaining a VA Home Loan, I reached out to my lender ( XXXX XXXX ) for further direction. 

I was informed they'd perform a " credit supplement '' or mortgage verification XXXX way call between myself, XXXX, and XXXX. Reference code XXXX. 

During this recorded conference call on XX/XX/XXXX, the representative had verified all XXXX accounts, with the most recent payments made, the balance, and that each was NEVER LATE. 

Going off of this information and under the belief that all of my credit information was accurate, I applied for additional lines of credit- I WAS DENIED, FURTHER DAMAGING MY CREDIT SCORE. 

I had then pulled my credit reports from XXXX and XXXX sure enough, Firstmark reported them 30 Days Late. I filed disuptes with each. The result was Firstmark still reporting the late status and even more alarming was that all payment information and balances were different between each- even though Firstmark responded to the disputes in a period of time where no changes to the account were made. 

Firstmark and their reporting practices are damaging to not only my credit well-being, but any consumer. Their information is seemingly never correct and varies depending on whom you speak with at the time. Their actions have been careless and ridden with negligence. As credit bureau level disputing has been fruitless, this is my final action before filing a formal lawsuit. If I am forced to this action, Firstmark 's horrible business practices will be made very public, along with my official notice to file suit. 

This summary will be published on consumerfinance.gov, as a start.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: FISERV INC.
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
private company named Money Network Financial claiming to be a wholly owned subsidiary of Fiserv.Inc. sent me a debit card requiring that I provide identification information to the company to " activate '' a card I never requested to receive a " government benefit ''. This came by mail to my home address. The Return Address on the mailing is NOT TO THE so called company sending me this card. Instead it is to the named card " Economic Impact Payment Card '' at an address in XXXX, Nebraska. 
The enclosed mailing includes the statement that " You acknowledge that you have read the material provided to you, including the Terms and Conditions, Balance and Transaction Limit Schedule and Schedule for your Account, which can be found at XXXX ... ... ''. Obviously none of this is a United States Treasury Department message and requires access to materials NOT PROVIDED> There is the statement that " You acknowledge that any term of the Cardholder Agreement, including the Fee Schedule, may change at any time ... ... '' This appears a scam to get financial information or contact information about me including what would be electronically transmitted to unknown entities if used to interact with my personal bank or other entities. 
There is a reference to arbitration " in your full cardholder agreement '' without any link to what the " full cardholder agreement '' may be, where it is located, and what changes may be made to such agreement. 
There is no security provision on how information on this card will be managed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: ZIONS BANCORPORATION
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a checking account with Zions Bank. It was in a negative status and ended up closing. The debt was transferred to XXXX XXXX who reported on XX/XX/19 the debt owed was {$650.00}. Today XX/XX/19, XXXX XXXX called me to obtain payment. They advised the balance is {$750.00}. I asked why the balance was higher and was told it was other fees that Zions sent over and it will take up to 30 days to find out. I was then notified that this is accruing 18 % interest and I better get it taken care of. Yes find it completely unfair I was never mailed anything on this or told that interest would be accruing. I advised I am waiting on my tax return and asked if I could start smaller payments. I was told someone else would have to help me and was transferred. The second person I asked why I couldnt settle the account and why there were other fees and was told it was probably the interest. I wasnt aware interest could be charged after the debt was charged off and reported. Nothing was mailed or disclosed to me until now. I have been trying to come up with the funds or I would have paid it sooner. I don appreciate the evasive answers and condescending tone that was used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Sterling Credit Corp.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a victim of business malpractice, a Service was provided for a client in which after receiving services they then went a disputed the charge which was taken from my bank account causing my account to go into the negative state. i contacted my back at the time as well as cash app which is how payment was processed and was given very little help. i contacted the bank and explained what happened and was told pretty much it was nothing they could do about it. i then went to another branch of XXXX XXXX XXXX XXXX and tried to see if i could get bettre assistance with this issue and was not helped at all, i was told i just have to pay it. the account then sold to a third party debt buyer and they have been calling me non stop trying to get me to pay. i am highly upset and have been fighting this for years, yes i could have just paid the {$540.00} and forgot about the issue as a whole but i will not take responsibility for a con artist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My wife received a phone call stating that her Amazon card was being charged without her knowledge. Amazon was called and there were no such charges. The number they are calling from is 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 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We have repeatly requested from XXXX, XXXX and Transunion to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month. 

Harmed by their willful neglect of the law. they have failed to send me what I repeatly asked for. 



Payments to harmed consumers Congress has authorized the CFPB to take legal action against companies and people that violate federal consumer financial law. 
When the Bureau enforces the law, it or a court may order the violator to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm. This compensation is generally called redress. In some cases, when the available redress is insufficient to fully compensate consumers for the harm they have suffered, the Bureau may compensate victims from the Bureaus Civil Penalty Fund. The money in the Civil Penalty Fund comes from penalties that the Bureau obtains in enforcement actions against entities and individuals who have violated the law. 


We have repeatly requested from XXXX, XXXX and Transunion to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month.

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 2023-10-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am still continuing to have issues with Fifth Third bank. I am beyond sick of issues and fees with this bank I called in because I was assessed two {$37.00} fees, and the guy couldnt even give me a clear answer at first as to why the fees were even assessed to my account because the one transaction he claimed that made my account negative was not the actual one so then he said it was two other transactions and it short my account was charged a {$37.00} fee for being overdrawn {$1.00} approximately and then a separate transaction for 10 or {$11.00} from XXXX I have been having continuous issues with the my advanced feature on the app not working and at the time I had more than enough funds to initiate the my advance feature which shouldve covered the -11 or {$12.00} on top of that I wouldve had up funds of the 11 or {$12.00} in my account if I did not have unauthorized transactions on my account that I had to file dispute for for companies charging me illegally without my permission Furthermore, I want to add that I did try to even use the 24 seven chat feature at Fifth Third offers, and I spoke with an agent who said that he was looking into the matter of the fees and the transactions, but never actually came back to respond to give me any account information for almost 30 minutes he kept reading my messages I said OK and read but the agent actually never responded. Ive been having nothing but customer service issues and overdraft fee issues with this bank repeatedly I always bring my account to the positive by the end of the day if my account is negative at all and if theres other ways that Im supposed to do that because once again, Fifth Third mobile app is not working and sending me messages saying that its not able to do transfers and so forth then what am I supposed to do? How am I supposed to know to go through other platforms on Fifth Third to fix their technical issues that keep happening, especially when the 24 seven customer support doesnt provide any help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am submitting a complaint against my current mortgage servicer, Freedom Mortgage. I originated and closed a loan with XXXX XXXX  on XX/XX/2023. My loan was then transferred to Freedom Mortgage on XX/XX/2023. 


I had received a tax bill in the mail and had reached out to XXXXXXXX XXXX regarding this as we have an escrow account within our mortgage to have taxes and insurance paid out by the mortgage company. I also provided my most current mortgage statement to them, and after further looking into the statement, it shows that Freedom Mortgage was only collecting for Insurance and not taxes. 



After looking at our Closing paperwork, myself, and a representative from XXXX XXXX reached out to Freedom Mortgage to see as to why they are not collecting for Taxes. Freedom admitted that it was a servicing error on their end that taxes were removed from escrow. Freedom did not have an answer as to why they had removed taxes from the escrow account. Freedom will now start to escrow for taxes for the future and have the current tax bill be paid out of my escrow. However, Freedom confirmed that an escrow analysis will be ran next year in XXXX and because I was paying a lower amount into escrow, I will now have a shortage in my escrow account, which will impact my payment and increase 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 2023-11-20
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX between XXXX and XXXX XXXX XXXX I deposited a check into a US Bank ATM at my local branch in the amount of {$2900.00}. After using the tap method with my debit card and entering the PIN number I was able to select deposit in my checking account. The feeder opened up and I placed my check into the feeder. After the ATM took my check during the transaction it went offline and started rebooting before I could confirm the amount and get a receipt. I called my local bank branch and they instructed me to call US Bank customer service line since that local branch doesn't service their own ATM. I call the customer service line on XX/XX/XXXX at XXXXXXXX XXXX  XXXX to file a ATM error claim. I relayed all the information and the agent said " there was no record of any transaction or attempted transaction on my account. '' However, how was the ATM able to take a check from me if I didn't enter in my card information and PIN number? I was told the bank had XXXX business days to conduct an investigation. On XX/XX/XXXX a representative by the name of XXXX left a voicemail stating they needed more information about the claim. They wanted to know the card method I used which was the tap method and the last XXXX digits of my debit card. I returned the call and got her answering service and left a message giving the information requested and reiterated that I did not insert my card I used the tap method. All of this information was previously provided on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating my claim has been denied because they were unable to locate my deposit. I called US bank customer service and requested information on why it was denied and the agent could not give me an answer be there was no information in my file other than an agent reached out to me on XX/XX/XXXX. I deposited a check into a US Bank ATM at my local branch, the only branch in this city and US Bank claims they can not locate a check that their ATM took in the amount of {$2900.00}. I have been without access to my money for XXXX business days no explanation. There are cameras at the ATM and I'm not sure if they were even looked at because my filed was not updated with any information it was just denied.

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 2023-01-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: MidAmerica Mortgage Inc
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, In XXXX I was laid off due to COVID-19 pandemic. I reached out to my mortgage company, Mid America Mortgage Inc. Dba . XXXX XXXX XXXX, and they advised they could place me on a forbearance. They advised it will not affect my credit and will be in affect until XXXX. When it got close to XXXX they reached out to me to see if I was working. I advised I wasn't so, they extended my forbearance. In XXXX, I finally was able to start working again. Mid America Mortgage Inc. reached out to me again to see if I was working yet, I advised I was. They offered to do a deferment for the time I was on forbearance, so I would not have to stress about paying the large sum back. I signed the paperwork for the deferment and thought everything was going to be ok going forward. On XX/XX/XXXX ( Saturday ) I received an alert from XXXX stating my credit score dropped by 28 points because Mid Mortgage Inc. reported me 180 days past due ( Attached is screenshots ). I contacted Mid America Mortgage Inc. by phone on XX/XX/XXXX ( Monday ) and was advised to send an email which I did ( Attached is our email communication ). I finally received a final response XX/XX/XXXX stating they reported correctly to the credit bureaus. Per our phone conversation with Mid America Mortgage Inc. back in XXXX and per HUD, being impacted by COVID-19 should not affect my credit report. Well, it did affect my credit report negatively. I've attached copies of my credit report for XXXX and XXXX. Please help resolve this.

Company response to consumer: Closed with explanation