BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-22
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with US Bank. The original loan amount was for around $ XXXX as of approximately XX/XX/XXXX. I was required to pay PMI, because my loan amount exceeded the 20 % equity to debt ratio. My current loan amount is $ XXXX. In those 3 years the value of the house has increased and my equity to debt ratio has exceeded the 20 % mark, which should mean I no longer should have to pay PMI. XX/XX/XXXX I started conversations with US Bank to refinance in which they did an appraisal. Based on the appraisal my equity to loan ratio was greater then 20 %. I asked about the removing the PMI and was told another business unit would have to work on it. At which point I requested contact information for the other unit and I received a run around. Finally around XXXX I received a number to contact after I complained on their XXXX page. When I called the number I was told to expect paperwork in 10 business days to complete and once I send it back they will review it and if deemed correct then they will turn off the PMI. It 's been about 15 business days and I have n't received any documents. I continue having to pay the PMI in the meantime.

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 2023-05-08
Company: Experian Information Solutions 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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes.

This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

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 2018-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/XXXX XXXX I had over {$940.00} in my Wells Fargo checking account. Later that day I go to deposit money and notice my account is negative {$27.00}. I check my account see Correction Error {$960.00}. Talk to Wells Fargo banker at branch and they tell me they can't help me and to call the XXXX number. I call and they tell we will do a research investigation and you will hear from us in 5 days. Call the next day and they tell me we made a mistake 6 months ago and mental to take out money on XX/XX/XXXX. We'll let you know in 5 days whether we decide to reverse the funds. Call today and they tell me we know you are frustrated but we can't reverse the funds back into your account. Was with Wells Fargo for 7 years and what they did was very wrong and stole my rent money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: CHARLES SCHWAB CORPORATION, THE
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It has been a month now I dont have access to my checking and brokerage account. The company told me that they suspended my access to my accounts to protect my identity and I have to verify my identity with their authentification team so I can confirm that those accounts was opened by me which I did the same day of our first communication about this issue. They told me that everything has been verified and I should wait a maximum of 24h for the fraud department to unlock my account since they are the only department that have the ability to do it, but since then nothing has been done yet. Every time I called them they just tell me that I have to wait. Around 2 weeks ago I finally received a letter trough mail from the fraud department stating that I have to call them but I tried to contact them several times using the number they told me to call and I couldnt reach anyone.

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 2019-10-28
Company: I.C. System, 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: Account status incorrect

Complaint:
I paid off and was assured my XXXX XXXX account was paid and closed after graduating law school and leaving my apartment in early XXXX, when my lease expired. Not only did they not credit my payment to my account, something that has happened before where they credited another persons account with my money, but they continued to charge me for the weeks of XXXX after my lease ended, and even for XXXX and XXXX. Then without even a single written notice or indication that they were submitting this to a debt collection company, and no possible way for me to expect it considering I paid these XXXX, suddenly my credit score drops from XXXX to XXXX. I find this out applying for a credit card, look at my credit score, and cant believe my eyes. They are billing me when its physically impossible for me to be utilizing the utilities provided, and they have simply taken my money and placed it somewhere it doesnt belong, kept my account open which means the new tenant and myself have accounts for the same unit in this apartment complex and XXXX is trying to double bill, and last but not least, they are reporting incorrect information and I plan to sue them if they dont expedite the process of mopping up their mess of sketchy and fraudulent activity.

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 2019-10-28
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fedloan has been my student loan servicer since XXXX. I started the PSLF program in XXXX. Each year I submit not only my tax information, but my employer verification as well. I have made numerous phone calls in regards to the number of qualifying payments among other issues. I requested to have the paid ahead status removed from my account because they were not counting all of my qualifying payments. I also asked to have my account audited twice and its been over 3 months and when I called on Friday XX/XX/XXXX, I was told that the paid ahead status was removed then put back off or taken off but not all the way. I pay more than my required payment, all of my payments are on time. Every time I call, everything that was supposed to be corrected was not. The customer service manager was very unhelpful and told me there was nothing he could do. My employment verification was denied several times and I have resubmitted at least 3 or 4 times. My employer has been the same for over 3 years. Yet 5 loans show 13 qualifying payments and 5 show 19 qualifying payments. They all should have the same number of payments. When this was brought to their attention, I was told my account would be audited, and it has not. I was told that with every change made to my account I should receive a letter, and this has never happened. My account is being mishandled/mismanaged. I do not feel confident that when I have made the required number of qualifying payments, they will be counted toward my account in order for them to be forgiven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: M&T BANK CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: VA
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, this creditor XXXX XXXX XXXX XXXX  XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2019-10-28
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( XXXX XXXX ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Paypal Holdings, Inc
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I purchased a suit online from XXXX XXXX XXXX XXXX XXXX for {$510.00}. I used my XXXX XXXX. I was thereafter informed by XXXX that the suit I selected was no longer available. I then disputed the charge. Rather than wait for the dispute to resolve, I chose another suit. On XX/XX/2021, my dispute was denied, as XXXX said that cancellations of orders for custom made suits were not allowed. Although this explanation was false, as the suit I ordered had not and could not be made, I did not appeal the denial of my dispute, as I selected a new suit. I let my time to appeal lapse and paid the credit charge for the suit on XX/XX/2021. The merchant states that it has not received my payment. I have made a number of calls to XXXX XXXX. I am advised that the payment was forwarded to PayPal, the collecting company for XXXX. I contacted PayPal and was informed that it is holding the money and will not release it until it receives notification from XXXX XXXX that the dispute is resolved in favor of the merchant. I am informed by XXXX XXXX that there is no other documentation to provide PayPal. On XX/XX/2021, I emailed PayPal and advised it that the dispute was over. I received a stock response that it would take time for PayPal to review my email and was invited to use the online portal for future contact. I do not have access to the online portal as I am not a customer of PayPal at the present time. At my request, XXXX XXXX provided me a letter, through XXXX, dated XX/XX/2021, that the dispute is closed. I emailed it to PayPal on XX/XX/2021. I have not received a response and do not expect to receive one. I also asked XXXX to pressure PayPal to release the funds, as XXXX utilized PayPal to receive the funds. I am getting nowhere. PayPal has given no indication that it will ever release the funds to the merchant on the present facts. I was advised in a call to PayPal that they will never release the money unless they get something more from XXXX, the lending institution utilized by XXXX XXXX, and I have been advised by XXXX XXXX that there is nothing more to give PayPal. The bottom line is that I used a credit card to buy a suit and received nothing. PayPal has taken the proceeds and will not release the proceeds. As things stand now, I have made an involuntary {$510.00} donation to PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: DISCOVER BANK
State: OH
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:
A discover financial s credit hard was found in my hard inquiry on my credit. I did not purchase this credit card. Somebody already has my information i'm sure of it. i need the credit card removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Record type XXXX XXXX bankruptcy XXXX Date filed XX/XX/2020 Date resolved XX/XX/2020 Reference number XXXX 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 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 2019-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
CREDIT BUREAUS WEB SITE NOT COMPLYING TO ACQUIRE REPORTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Navient Solutions, LLC.
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:
XXXX  XXXX XXXX/XXXX Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: FinCo Services Inc DBA Current
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi there, on XX/XX/XXXX my card was used without my authorization at a XXXX in Ohio for {$310.00}, and XXXX XXXX in XXXX XXXX XXXX, Utah for {$10.00}. I live in XXXX, NC. I got a refund for the XXXX XXXX directly for the {$10.00}. I had to dispute the charge with XXXX on XX/XX/XXXX. On XX/XX/XXXX, my bank, Current Bank took {$310.00} from my account with no notice. The charge says Dispute Lost-Credit Reversal. I received no written or email notice that I lost the Dispute.

Company response to consumer: Closed with explanation