BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-02
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 status incorrect

Complaint:
I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. Please remove this late payment because it's Inaccurate and pulling down my credit score!

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 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I walked into Bank of America on XX/XX/2018 and requested that my bank account be closed because of two fraudulent charges that occurred on my account previously. Bank of America had credited my account on XX/XX/2018 a total of {$190.00} which is the money that was stolen from me before XX/XX/2018. But what doesn't make sense is the fact that Bank of America sent {$190.00} to a closed account. I spoke with XXXX XXXX ( Relationship Manager ) at the XXXX XXXX XXXX. XXXX TX XXXX Bank of America location. He assured me I would be receiving a check in the mail from Bank of America in the  total amount of money that was lingering in my supposed closed account. Then on XX/XX/2018 I called Bank of America to ask when should I be receiving my money from them because as of today ( XX/XX/2018 ) I still have not received one red XXXX from them. The representative on the phone told me that according to Bank of America Records she does not see a closing date for my account but assured me she could see the money in the account. It should not take almost 2 months to close an account! All I want is the money I work hard for back to me ASAP. I have been patient with Bank of America but because they are holding this money I am falling behind on my expenses that need to be taken care of month to month. Please help me get what is rightfully mine.

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 monetary relief
Consumer complaint received 2018-10-01
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector is attempting to collect on a debt that is not only over XXXX XXXX XXXX, but I am not liable for it in accordance to Nevada 's protections for XXXX XXXX XXXX Victims. 

In 2011 I had to move out of this apartment I shared with my then fiance. I was a victim of XXXX XXXX and had to leave the state for my safety. In accordance with Under Nevada landlord-tenant law, ( Nev. Rev. Stat. Ann. 118A.345, 118A.347, 118A.510 ) I have the right to break a lease agreement if I've been a victim of XXXX  XXXX. 

I exercised my right, obtain an order of protection, notified the landlord and moved right away. I never knew about this debt, until it recently popped up on my credit 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 2020-07-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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:
XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: BANK OF THE WEST
State: CO
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi I have a loan with bank of the west they reported me having late payments on my account which isnt true I have auto pay on my account and they have been taking it from my bank of the west account each month on the XXXX of the month since I opened the account I have never been late with this 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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Laws you violated. 

Upon checking my Account again the items listed below have not been handled correctly per Law. 

Violation 1.

15 U.S.C 1681 ( c ) ( 5 ) these are adverse items on my credit report and I demand that you remove them.

Violation 2.

15 U.S.C 1681 ( e ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy. I have through previous letters provided proof of the inaccuracy of the Date opened, payment status, last reported, and date last active, and date of last reported. You refuse to remove or correct the erroneous report.

Violation 3.

15 U.S.C 1681i After re-investigation and proof of inaccuracy you did not delete the items as per law. When an item is found to be inaccurate or incomplete or can not be verified you shall delete it.

Violation 4.

15 U.S.C 1681 ( B ) You are to provide contents in writing of the results of the reinvestigation, description of the procedure used to determine the accuracy etc. None of this was provided.

Violation 5.

15 U.S.C 1681l Violation 6.

15 U.S.C 1681n I never gave permissible purposes.

Violation 7.

Negligence to comply with the laws of inaccurate items.

Violation 8.

15 U.S.C 1681q Obtaining my information under false pretense.

I have sent previous letters to you stating your wrongdoings. I demand you remove these accounts from my credit report immediately or I will file litigation and Lost damages.

According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated. You refuse to remove this negative Item from my credit report and obey the law. Also, according to 15 U.S.C 1681 ( h ), this has been another violation of invasion of privacy because I never gave XXXX the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. It has brought major emotional distress to me and my family.

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 2019-03-12
Company: United Consumer Finance, Inc.
State: NH
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:
I HAVE BEEN BATTLING A WRONGFUL AMOUNT WITH XXXX XXXX XXXX XXXX. I HAD A VEHICLE THAT WAS CONSIDER A TOTAL LOSS ON XX/XX/XXXX. AT WHICH TIME THE LOAN COMPANY ALONG WITH ANY AFFILIATED PARTIES WHERE INFORMED. I AS LONG AS THE LOAN COMPANY WAITED FOR INSURANCE TO PRODUCE THEIR DECISION AN FORWARD A CHECK TO THE LOAN COMPANY. THIS CHECK WAS NOT PRODUCED TILL XX/XX/XXXX. AT WHICH TIME PRIOR TO THE CHECK BEING PRODUCE MY BALANCE WAS XXXX. AFTER A CHECK OF XXXX WAS PROCCESSED MY REMAINING BALANCE TO PAY UNITED CONSUMER FINANCE WAS XXXX. AN WHICH I OFFERED TO IMMEDIATELY PAY, FOR A REASON UNKNOWN AN NEVER DISCLOSED TO ME DURING A 10 MONTH WAITING PERIOD UNITED CONSUMER AN ITS AFFILIATES DECIDED TO REPORT NEGATIVE ON MY CREDIT REPORT AS WELL AS STATE A OWED BALANCE OF XXXX. I HAVE TRIED NUMEROUS TIMES TO CONTACT THE LOAN COMPANY AS WELL AS CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
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:
I have a First National Bank ( First Card ) XXXX  XXXX credit card. My XX/XX/XXXX statement showed a {$59.00} annual fee. I called customer service on XX/XX/XXXX and told them to cancel the card as I was not interested in paying a {$59.00} annual fee to keep the card active. They said that they would cancel the card but that I would still owe the {$59.00} annual fee. I do not understand how that can be possible when I am cancelling the card. They said it is their policy that once charged, it can not be waived. Supervisor XXXX confirmed this policy. They claimed I was notified of this in my XX/XX/XXXX statement. I had NO activity during XX/XX/XXXX and did NOT receive an XX/XX/XXXX statement, nor does one appear on my " on line '' account. No XX/XX/XXXX statement  was generated, so I was not notified of their unreasonable policy prior to being charged. She could not explain that flaw in their system. The credit card was cancelled on XX/XX/XXXXbut they insist on leaving the annual fee on my account. In my many years of using credit cards, I have never had to pay an annual fee when cancelling a credit card within 24 hours of the fee being charged to my account without notice or approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20
Company: Yakima County Credit Service, INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18 I received a call from YCCS at the number XXXX. When I returned the call they demanded highly sensitive personal information but would not tell me who they represented or why they were calling. When I finally got them to admit to what they were and what service it was, they transferred me to another employee who, again, would not tell me the purpose or details of why they were calling. 

They demanded, without notifying me as to why : Full legal name Full address Any previous addresses Telephone number Partial Social Security Number and various other demands just to explain as to why they were calling so that I could even say if the phone number they called me on was the person they were looking for. 

They gave, even under repeated questioning as to the purpose of their call, zero answers or indication as to why they were calling. 

They also never sent me any written validation statement as to me owing any debt, as again I believe this call is a mistaken identity and in error, and only continued to demand I reveal my full legal identity and many other personal information points to a level of harassment that would constitute a scammer trying to swipe my identity.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution including mortgage companies to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information on my credit. I was not made aware these remarks were going to be placed onto my credit prior to or 30 days after.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I deposited a postal money order in the amount of {$310.00} at a bank of america atm today, XXXX This is the 3rd time in several months that they have informed me they will be holding the money order for 1 week. The money order has all required information. It was issued by USPS. I am aware that by law, these should be processed in no more than several business days.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Have sent letter to the creditors not removed info leak from XXXX, so I did requested credit from the XXXX attached creditors. Please remove

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 2023-05-12
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: Was not notified of investigation status or results

Complaint:
I AM NEVER LATE IN THESE ACCOUNTS.

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 2022-07-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had spoken with Discover Bank Credit on XX/XX/2022 as I was notified that an inquiry was done in my name for a credit card on XX/XX/2022 ( I called because I did not make this inquiry and wanted it removed from my credit report ). The banker informed me that there was no inquiry in my name and that I had nothing to worry about. On XX/XX/2022 I received a credit card from Discover bank that I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Back in XX/XX/2013 my ex-wife filed bankruptcy so Wells Fargo stopped reporting on my credit report. I contacted Wells Fargo about the issue and they had me send in my divorce settlement showing that she no longer has a claim to the house. Shortly after I sent this information in they began reporting on my credit report again. Recently I went to get a loan to keep my deceased father 's house from going in to foreclosure, which happens to be at Wells Fargo. Now I have been told that my credit is too low do in part to not having a mortgage that I have been paying for 11 years on my credit report. When I called about the issue all the representative could tell me was that from her understanding it will not report even though it has been reporting for the last 5 years.

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 2018-09-06
Company: POPULAR BANK
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had a HELOC with Popular Bank. The bank sent me a letter explaining that I could no longer draw from the account and the balance must be paid within a given time period. I paid off the account, leaving a balance of {$0.00}. I did this years before the determined end date. Popular Bank recently started sending account maintenance bills. I called the bank and explained that the account is paid in full and no additional monies could be borrowed. Therefore, Popular Bank was providing NO SERVICE to me. I asked that the account be closed. The account should have automatically closed under the conditions that the balance was paid in full AND no additional transactions could take place. Earlier this week I got notice from XXXX  that my credit has taken a near 100 point hit due to delinquency! I owe Popular Bank NOTHING. I paid them in full more than a year ago. Their practice is predatory. My near perfect credit rating in now ruined. My desire is that you will investigate the matter and fine the bank accordingly.

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 2018-09-06
Company: Utah System of Higher Education
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today I was called and told me loan needed to be changed due to a increase in my monthly payment from {$250.00} to {$2000.00}. My loans were government loans handed over to a third party. I didn't agree to any additional terms, but have been paying on time for years. I logged in and verified my terms of the loans and they have payments out to XXXX and my overall debt is less than {$50000.00}. 

This complaint is due to them attempting to pressure me to agreeing to new terms. The company is XXXX XXXX XXXX XXXX. I know they will easily scare others into changing their plan with scare tactics. There is no reason for a company to lie and put pressure on those who took out government backed student loans to change the terms in their favor. 

They said the call was recorded. It happened within an hour of me sending this in to you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: Rocket Mortgage, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I visited Quicken Loans website to see what my financing options for a mortgage. I was more interested possibly in a bridge loan because my home is paid off and wanted to sell my home and put the money towards a new home. Not knowing about Quicken Loans, I only wanted a soft pull for what info I wanted to give them without my Social Security or making any offers. After giving my address, email, phone # and a credit rating, my phone started to blow up with phone calls. The 1st guy that called ( I believe XXXX was his name ) was rude and did not want to listen to my needs. It seemed as if he had a document that he was reading off and I was annoying him with my questions because I wanted to cut to the chase and get my answers. I ended up hanging up. What has upset me was that they have sent my information to several lenders and my credit score went down 7 points by a company called XXXX that looked at my credit score 2  times, XX/XX/XXXX & XX/XX/XXXX. I contacted XXXX and they said that they are affiliated with Quicken Loans and I should dispute my credit with them. I was recommended to a employee name XXXX XXXX, an Resolution Advocate and she said that she could not help me and that the other Lead Resolution Advocate XXXX XXXX that she was going to recommend me talk to, was not going to dispute or help me out either. That ... .is unacceptable and what set me off ... .Obviously Quicken Loans don't care about my needs and took advantage of me and my credit score that would of giving me a lower interest rate. I will NEVER deal with this company again! I will be filing my complaints and reviews on EVERY consumer website to let the public know about Quicken Loans and their associates and be warned. If they would of taken the courtesy to disputed my credit score, I would of let this go!

Company response to consumer: Closed with explanation