BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My complaint is that Union Bank & Trust withdraws the funds for checks mailed to companies the day the check is cut and mailed, not when the company being paid actually cashes the check. Most recent example : The Rent payment for my business location was setup thru bill pay to be paid by the XXXX of XXXX. The funds were actually withdrawn from my account on XX/XX/XXXX. The check did not get to my landlord until Friday XX/XX/XXXX. The bank is earning interest ( the float ) on my funds for over a full week. I have never banked with a company that pulls the funds out the account when the check is cut, unless I was getting a certified check. If this practice is not illegal, it is surely unethical. This check will probably not be cashed until today, XX/XX/XXXX. However, I have no way of knowing for sure when the check is cashed because of the way they are processing checks. To top it all off my payment was a day late! I find this process to be completely unacceptable. This was not the policy at Xenith Bank. So far I am very disappointed with this bank merger and considering moving my accounts to another bank.

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 2021-05-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The date of my first letter complaint was XX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report. 

On XXXX21 I filed my first complaint with the CFPB due to the non response from your company. Since then I have received a notice from the CFPB that you stated that you think that my complaint was filed by someone other than my self. This is false and untrue. My complaints with your company are 100 % done by me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.

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 2020-10-14
Company: Experian Information Solutions Inc.
State: NC
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 approved for an XXXX credit card with a {$300.00} limit ending in XXXX in XX/XX/XXXX and immediately paid the {$75.00} annual fee. The only charge to card was an {$87.00} paid in full without interest. I decided to close the account in XX/XX/XXXX prior to a relocation and after the final payment of {$87.00}. I never received the prorated refund amount paid on the {$75.00} annual fee for the closed account. In XXXX, XXXX, my family relocated to another state and I submitted a letter to close the XXXX card and mailed the letter and card back to XXXX aka XXXX XXXX. 

In XXXX, I noticed a collection amount on my credit report that with each month continued to grow by hundreds of dollars. I disputed the amount with the credit bureaus and the negative entry was removed. Again, in XX/XX/XXXX the negative tradeline was back on my credit report for a total of {$380.00} which I am assuming is the bank having charged another annual fee in XXXX to the closed and unused account and then repeatedly adding late charges and fees to the balance to increase it. I have not received any bills from XXXX aka XXXX bank due to relocation and I believe this may have been intentional. Now, XXXX aka XXXX XXXX  has finally reported the account as " Closed '' but has placed a Charge-Off amount of {$380.00} which I do not owe. This {$380.00} exceeds the original credit limit which places further damage to my credit. This account was closed in XXXX with a {$0.00} balance, and the card was mailed back to the bank. The collections department has been unreachable since Covid and XXXX   aka XXXX XXXX  refuses to reply to any disputes, My credit has been severely damaged and this has prevented me from refinancing my home and also caused my other lines of credit to have increased APR 's as I'm seen as a credit risk due to my XXXX  score dropping XXXX points when this was added to my reports.

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 2018-05-01
Company: DISCOVER BANK
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I found several times my Discover card account has charges not authorized by me on my account. The first time I contacted them and tried to get it stopped the only way I got it done was to pay off the card. Now they are doing it again, even tho ' I told them not too and I didn't want this account coverage protection ... they say it is to pay for the account balance protection should I get ill or something happens and I am unable to work. But I have been hospitalized several times and they did nothing but keep collecting this fee each and every month ... finally, the last time I told them to stop they e-mailed me and said to go to this specific website and do it there ... so I go to the website they said and the path to terminate these unauthorized charges are not there ... they must have collected thousands of dollars off me for this scam ... and I really question if there are others out there being affected by it also ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-01
Company: ERC
State: PA
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:
THIS BEGAN ON XX/XX/2018 when I pulled my yearly credit report. XXXX XXXX XXXX collecting on the behalf of XXXX for {$610.00}. I have disputed ( via certified 611 letter ) this ONCE WITH XXXX AND XXXX AND IT WAS PROMPTLY REMOVED. I have disputed this ONCE with XXXX. I have disputed THREE TIMES to date with XXXX   ... ONCE online and TWICE via TWO CERTIFIED 611 LETTERS. They have removed it TWICE and put it back for a THIRD TIME. XXXX is the ONLY credit reporting agency, STILL reporting this fraudulent account. They also report as XXXX XXXX XXXX HAS ALSO PLACED THIS FRAUDULENT DEBT UNDER " ERC '' ... it's AKA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020, I opened a National Bank of Arizona checking account through their website. I funded the account with a {$50.00} electronic funds transfer from my existing XXXX XXXX  checking account. I received an email that said " your account has been approved and opened '' with instructions on how to verify two small deposits to my XXXX XXXX  account from National Bank of Arizona to verify the external account and instructions on how to set up online banking. I set up online banking and when the small deposits hit my account on went to sign in to online banking on the National Bank of Arizona app. When I went to sign in, I got an error message that said to call customer service. On XX/XX/2020 I called customer service and the agent I spoke to let me know that I needed to go into a branch to finish opening my account and verify my identity. I let them know that I am not comfortable going into a branch during Covid-19 because I have an immunocompromised child and we are self-isolating as a family. I asked if my account could instead be closed and the electronic transfer reversed. They said they would close the account. on XX/XX/2020 I received an account summary statement from National Bank of Arizona. I called customer service again that same day and they said the account was not closed and to call the local branch. I called the local branch and they said I had to come into the branch to close the account and reverse the electronic funds transfer. I told them I would have to think about it, as I don't want to go in and left it at that for the time being. On XX/XX/2020 I received an email that stated " If you do not validate your External Account within 60 days of opening the account, the account will be closed. '' so I decided to just wait that 60 days out and let the account close itself. On XX/XX/2020 I received the same email. The account was not closed after 60 days despite the fact that I never verified my external account. I received another account summary statement in the mail on XX/XX/XXXX. I called customer service again today XX/XX/2020 and was told that I had to go into the local branch to close the account and get the electronic funds transfer reversed " in this case '' when I asked what " this case '' was, they said they could not tell me anything " in order to protect the privacy of my account ''. So as of now, the account is still open even though the 60 days has passed since opening the account online and monthly maintenance fees are being charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: DISCOVER BANK
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover calls me from multiple numbers, multiple of times a day. Its interrupting my work. They just started calling me out of the blue on XXXX XXXX talking about payment plans. Ive never received any information about payment plans, yet they claim theyve sent them. Now theyre threatening me with legal action. Ive heard nothing about this debt in two years and they appear out of nowhere and call me repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: MS
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 received dispute results from Experian about falsely created student loans in my name. On the dispute results Experian said that it verified that results of debt were accurate. I received a statement from XXXX XXXX stating that only two of the account numbers I submitted are legitimate and will continue to be reported on. Those two accounts are with Department of Education and are in good standing. The falsely created ones were created in XX/XX/XXXX. I'm also having to file charges against XXXX because of XXXX XXXX XXXX falsely created loans. There are two of these. I received a statement from XXXX XXXX XXXX that the two loans originated with them, but XXXX is the servicer. These loans were also created in XX/XX/XXXX. I  wasn't a student and didn't apply for any student loans in XX/XX/XXXX. Also on Experian dispute results there was a different social security number and several addresses that need to be removed.

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 2020-11-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today on XX/XX/XXXX, I sent money to a random person who bought shoes  from me and so he gave me a check a few days ago for a large amount of money ( More than what I expected or asked for ) He said to deposit the check, keep the amount I asked for and then give him the rest of the money that was included in the check. I found out that he did that so that he could take money from me ( XXXX  ). This is 100 % a scam. I talked to my bank and they said it is the oldest scams in the book, where scammers target mostly younger children because they dont know more than adults. XXXX  was taken away from me, and I dont want another XX/XX/XXXXto be taken away as well. I filed a dispute in pay pal about this scam and they arent giving me my money back. Im very upset because I did not know I was being scammed. The recipient also put in tracking info for the shoes that is not even real. I never shipped or even created a label.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: VA
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:
Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

Experian Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX  account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX  and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.

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 2020-07-25
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: Account information incorrect

Complaint:
This company has applied a forbearance to my account without authorization. I did not apply for this program. I hAve paid my mortgage ON TIME EVERY MONTH. I asked them to remove and update my credit It has not been done My credit does not accurately reflect my payment history. It also reflects inaccurately that defer payments starts in XXXX when again I DID NOT MAKE SUCH REQUEST. 

Ive called and emailed continuously regarding this matter for almost an entire month Ive disputed this matter with the credit bureau to no avail. 

It is these tactics that I find to be discriminatory in nature. These tactics of erroneously applying hindrances to customers who desire to take there business to other companies.. Forcing customers to fight and waste time and money to go through XXXX of removing erroneously applied programs when they have paid their mortgage on time is illegal. Incorrectly reporting information to hinder customers from moving forward with mortgage transactions is illegal. It is these invisible barriers that causes delays in process and hinders minorities from moving forward on the back end. My account needs to reflect accurately on an ongoing basis.

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 2020-07-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I called my loan company on XX/XX/XXXX about the debit from my account due the following day. They informed me they had already contacted my bank and there was nothing they could do to stop it. They then advised me to contact my bank and order a stop payment order. I called my bank, Fifth Third, and ordered my stop order and paid the {$33.00} fee for it. I was guaranteed by two separate banking associates that this would work. I was also advised that the amount will still be debited from my account but that the day after the debit occurred that I would be refunded the debited amount. This has not happened. My account is now negative due to them not crediting my account like they told me would happen. Now they are saying that stop payments arent guaranteed and there isnt anything they can do. If they arent guaranteed then why did I have to pay them for a service that might not work? I wont get paid until another six days so my account will accrue late fees each day due to this error, even though I went through all of the necessary steps to stop a single payment with the authorization from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XX/XX/2020 I tried to access my account with TD Bank. I noticed that my password wasn't working. After changing my password and looking at my accounts, I noticed that I had {$1000.00} less on my Landlord account, which is always at a specific balance. Then I noticed that my checking account had a transfer of {$1000.00} on XXXX XX/XX/2020 to a XXXX XXXX through an app called XXXX that is available on the TD Bank website. The only time I use this app is to pay my rent to my landlord, which is clearly documented on my transactions with XXXX. I do not know a XXXX XXXX, nor did I send him {$1000.00}. 
I called the bank and also went to the bank and closed all my accounts and opened new ones on XXXX XX/XX/2020. They filed a claim the same day at the bank. I gave them time to investigate the claim and on XXXX XX/XX/2020 when I didnt hear back from the bank I called again and was told the claim was denied. They also told me that I should call the person who is on the transfer information which has a phone number from Florida. I called that number and got a answering service the first time and the second time, he said he didnt know who I was and didnt have my {$1000.00}. I went back to the bank to get an explanation as to why this was denied and was told the claim was denied on XXXX XX/XX/2020. They told me that I would need to file a police report. That same day I went to the police station and filed a report. Currently investigator are reviewing the documents they asked me for. When I got home I had a letter from TD Bank stating the claim was denied and I could request documentation of the investigation the bank did. That same day I called the bank and ask for the documentation. I spoke to XXXX and she listened to my story and looked at my file and said that this looked questionable and she resubmitted my claim that same day. I called the bank again on XXXX XX/XX/2020 to check the status of the resubmitted claim and XXXX told me the claim is still pending and that is a good sign because usually they deny them right away. He also told me that he sees some questionable activity on my account from IP addresses from Florida and another location. I gave them another few days and called them again on XXXX XX/XX/2020 and spoke to XXXX who told me that he doesnt see anything in the system at all from the resubmitted claim from XXXX XX/XX/2020. He said he could only go back to XXXX XX/XX/2020. He suggested to submit the claim again. This is going on for over a month and all I am getting is the run around with no resolution.

Company response to consumer: Closed with monetary relief