BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I originally tried to workout payment plan details with my mortgage provider, XXXX. XXXX would not work with me on payment arrangements. I tried calling multiple times. Greentree took over servicing for the loan and would also not work with me on payment arrangements. At this point, Ditech Financial LLC took over servicing, and still would not allow payment arrangements with me. It is now effecting my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank continues to put a hold on my account and my Dedit card since XX/XX/XXXX. 
On XX/XX/XXXX, and as per US Bank request I sent them a FAX containing copies of my Drivers ' License, my home electric bills, and my cell phone bills as identity verification, then they released the hold for the first time. 
On XX/XX/XXXX, I started to perform my first transactions, it was 2 online transfers from my US Bank account to my XXXX Personal Checking Account. 
The first transaction was a {$2000.00} transfer I performed at XXXX XXXX, and the second transaction was a {$500.00} transfer I performed at XXXX XXXX. 

US Bank only cleared the second transfer of {$500.00} on XX/XX/XXXX but hold the {$2000.00} transfer, hold all my account balance, and deactivated my debit card. 
And this {$500.00} transfer was my first and last transaction that US Bank processed to my account, as the bank continues to hold my money for unknown reasons. 

On XX/XX/XXXX I called them again at their phone number XXXX, and after a more than 1 hour and 15 minutes waiting, they answered my call, the US Bank 's agent stated that they need me to FAX them a copy of my Driver 's License to release the hold placed on my account and card. 
I informed her that I have already Faxed it to them, she said I must send it because it is not in file. 
On XX/XX/XXXX I faxed a copy of my Driver 's License and a letter ( attached ) to US Bank asking them to release any hold placed on  my account, but the hold never been released. 

I called US Bank today XX/XX/XXXX to check my Card/Account 's status, the US Bank agent confirmed that I have to wait from 10 to 15 business days from today for the hold to be released.

I believe that US Bank is violating the Federal Reserve Regulation CC for Funds Availability, giving me a really hard time through this Pandemic, and hold my money for almost 2 months and a half for unknown reasons.

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 2021-03-25
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: Problem with personal statement of dispute

Complaint:
contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX and was told by XXXX XXXX : Senior XXXX that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research

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 2020-05-23
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$360.00}, {$320.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- COLLECTION ACCOUNTS -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX 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 2021-06-30
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
letters were sent to XXXX, experian, and XXXX with no response

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 2020-07-08
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX I responded to an offer for a 0 % promotional rate for a balance transfer for one year. Payments were set up to be automatically withdrawn at the minimum payment rate. Balances from two other cards were transferred on XX/XX/2019 in the amount of {$15000.00} and I was charged a balance transfer fee of {$470.00}. The first automatic payment was incorrect and Citibank attempted to collect the full amount of the transfer. I contacted Citibank about the issue and they indicated that it was resolved and the account was set up to withdraw the minimum payments. I saw the payments coming out and thought things were all set. I recently did a review of my account and noted that I was being charge interest on the balance. I called Citibank today to question the interest charges and they reversed their earlier position and indicated since there was an initial issue with first payment that I was no longer entitled to the promotional rate. Note that at the time of the transfer there was a XXXX balance on the account and no other charges have been made.

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 2020-05-23
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One Neimen Marcus bank provided me a payment deferment since my husband was furloughed and then Reported my payment late.

They corrected late fee and interest payments but never fixed my credit report. They told me I need to dispute it.

My credit report * Capital One/Neimn charge account ( last lateXX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX on the date of XX/XX/2018 for the amount of {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Carter-Young, Inc.
State: SC
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:
Last year on or about the month of XX/XX/2020 I received a copy of my credit report from XXXX and I also received a copy of my credit report directly from XXXX  XXXX XXXX XXXX XXXX While going over the information contained in that report I noticed that their was a collection account that had been placed into my credit report profile, unbeknownst to me, that I did not recognize. 
Prior to the collection account being placed onto my credit report I did not receive any notifications whatsoever, in the mail. Nor, was I notified by any other electronic means, and/or via telephone calls. As a result, I decided to dispute the negative account that was adversely affecting my account directly with XXXX  XXXX XXXX XXXX XXXX, and also with the furnisher, XXXX, XXXX, respectively. I sent both XXXX, and the furnisher XXXX, XXXX Certified Mail Letters with Return Receipts through the US Postal Service pointed out to them the inaccurate information that was being reported. In addition, I respectfully demanded that they either correct the account in its entirety, or delete the account altogether. 

XXXX, refused to conduct a reasonable investigation on their own, but what they continued to do over and over again was parrot the information that they received from the furnisher, which merely stated that the account was verified as accurate, by the consumer. Even though the information that was provided to the from myself was a Validation Letter that I received directly from the furnisher that completely contradicted what was being reported by the furnisher, to the credit bureau. Even with irrefutable proof, XXXX  refused to even conduct their own investigation. 

Initially, when I first began to dispute the account information with the credit bureau, I also sent a Request for Validation directly with the furnisher, too. What I received in the mail from the furnisher was a Validation Letter that proved that the information that was being reported was in fact inaccurate. It is irrefutable proof that the account was being reported inaccurately. Not only was the amount inaccurate, but the date opened field was changed periodically. The date first reported field and the payment history fields were also inaccurate, and were changed periodically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sequim Solutions constantly calls from different phone numbers. After advising them they had the wrong number they ramped up the calls. They call at least once every hour from a different number, will not say anything and hang up. These calls start at XXXX and will not end until after XXXX. Anytime I call the number back it will connect with Sequim Solutions but no one ever answers the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: EQUIFAX, 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 was the victim of identity theft and my payments accounts were compromised causing payments to be returned. XXXX XXXX refuses to accept this even though I have sent them a copy of my driver 's identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Acceptance Corporation, this was an account that became active on my account in XXXX. This was a result of fraud someone used my name and social security along with drivers license and signed under my name for a auto loan that Ive been fighting for the past four years. I finally thought it was resolved in XXXX when the account seemed to have dropped off my credit file and wasnt reporting showed up closed when I looked on XXXX XXXX and XXXX XXXX and XXXX. Then all of a sudden in XXXX I saw it come back and drop my credit score down. I have tried to resolve this so many times between XXXX and XXXX, with nothing done by the company stating that they cant do anything even though I told them it was fraud and that I have nothing to do with the joint owner or the address they have on file. Im not involved in any of this. They even told me that the car was totaled in XXXX of XXXX and the account was closed yet all of a sudden its back on my credit file. I shouldnt have to pay for others criminal activity. Im trying to live a honest hardworking life with my family, and I cant even get a leg up with my own business due to the negative affects of the loan in question. This isnt my loan it was never authorized by me or given any form of cosent u was never aware of it at a all.

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 2018-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check at a Bank of America ATM. The deposit was taken but I was not made aware until after it was complete there would be a 7 business day hold placed. I have talked with several representatives, all but one stated that was common practice at their ATMs for check deposits. I was told by the first representative that later that next day I could request {$200.00} of the funds to be released and the could after they could view the check. I waited 3 days to make sure it was viewable and was told there was no way to get any of the funds released. If this is common practice customers should be notified. If the hold can be printed on my receipt I should be allowed to cancel the deposit and handle the transaction a different way. I asked is I could bring proof from my dad 's bank that the check cleared for the funds to be released, they would not allow that. I have since making the deposit incurred NSF fees on my account as a result of the funds being held.

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