BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank has now put a hold on check deposits to my account in retaliation for my cfpb complaint. I filed a complaint with the cfpb and the first check I deposit after they have placed a hold on. i deposited a check via the mobile app on XXXX. I have never had an issue with bounced checks, I am not new, this is not a large deposit, and I do not overdraft, these are the exceptions allowed and holding my money for 3 days is in breach of the standards. XXXX ID XXXX states that that XXXX dollars need to be released. He refused to address the legal standards to release XXXX $ or all of my check. He hung up on me. This is in direct retaliation for my previous complaint. This has never been an issue before, and now they are refusing to even speak to me. How can I expect a bank to abide by banking laws if XXXX cant provide clarity on the legal standard and lies to me directly about how the process works. He advised me all checks get a hold I advised him it hasnt happened before and asked why it would happen now and he disconnected on me. Previously a portion of the check has been made available. This time none of it is. Why would I bank with a company that wont even trust my checks? Ive never had a bounced check and now they tag me for at risk after a complaint. XXXX and bold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
US Bank continues to fail to report payments on my joint mortgage accurately to the credit bureaus. My records indicate at least 3 payments which appear to be missed when in fact they were made to US Bank. My credit report shows a payment was missed in XX/XX/2019 and that is false information. 

Additionally, US Bank is not responding to my questions.

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 2023-03-01
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the inaccurate information that continues to be reported on my credit report. Despite multiple attempts to dispute this information and provide evidence to support my claims, XXXX, XXXX & Equifax has continued to failed to conduct a proper investigation and update my credit report with accurate information, as required by law. 

I am specifically referring to the XXXXXXXX XXXX XXXX Acct # XXXX which has been incorrectly reported on my credit report. Despite providing evidence that this account is inaccurate and inconsistent, it continues to be reported on my credit report, negatively impacting my credit score and livelihood. This account is reporting different last date active, different last payment payment dates, and all have different payment history reporting when theyre all supposed to be reporting the same information accurately Furthermore, I believe that XXXX XXXX XXXX & Equifax has violated the 15 USC 1681i law on numerous occasions by failing to conduct a proper investigation into my disputes and continuing to report inaccurate information on my credit report. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant harm to my mental state and livelihood. 

I demand these organizations delete this inaccurate account as required by law for reporting inaccurate and incorrect information. I also demand that these organizations compensate me for any damages caused by their failure to comply with the FCRA and other relevant laws. 

If I do not receive a satisfactory response to my dispute within 30 days, I will be forced to pursue legal action against your organization for violating my rights under the FCRA and other applicable laws. 


Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CURO Intermediate Holdings
State: TX
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:
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Ad astra recovy serv and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: I.C. System, Inc.
State: MI
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:
Requested original charge off date in XX/XX/2022. Original charge off date needed.

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 2023-03-01
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:
The Equifax, XXXX and XXXX Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Bridgecrest Acceptance Corporation
State: TX
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:
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, XXXX XXXX XXXX XXXX. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to Bridgecrest and its affiliates solicitations and never gave any direct consent to solicit any consumer 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 2019-07-27
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a new account with BBVA. I received my new account/TISA disclosure when I opened the account. Approximately two weeks later I went to process an external transfer and noticed I would be charged a {$3.00} fee. I reviewed by TISA that was provided at the time I opened by account and it DID NOT disclosure this fee. By not knowing this at the time of opening my account, the Bank did not provide me sufficient information to assess my desire to continue with opening the account. This is unfair ( mis-leading ) and a deceptive practice to get people to open their account and then BANG charge them fees to access or move their money out of the Bank without proper disclosing it when the account WAS OPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 we made a payment of {$3200.00}. THey did not apply our payment to our loan at all! they put this entire balance toward " unapplied funds '' - apparently there was an adjustment made to our payments owed whcih did not show or appear anyhwere on our app that we used to pay. We paid exactly what they ( TD bank ) requested. To our dismay we later received notification that there was an addtiional amount due of {$32.00}. 
We had no idea that not only had our payment not been applied but that the account was also short {$32.00}! Not too long thereafter I find my scores had dropped over 100 points. I called and argued my case and no one helped at all. All they did was say write a letter. I've written mulitple and this seems to continue to fall in the wrong hands. 


Not only has TD bank not repsonded to me- they responded to my husband when I wrote to them! They refuse to take responsibility for their mistakes. We paid what we were told was due. We should not be punished for their miscalculation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXXr PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: AES/PHEAA
State: IL
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:
In XX/XX/2018, I submitted income information to XXXX XXXX for my husband and I. We both have student loans and both are serviced by XXXX. With our income driven repayment plan, the payment amount is supposed to include our combined debt with our combined income. My husband 's monthly payment went up slightly, as expected with a slight increase in our income in the last year. My monthly payment more than doubled from {$250.00} to over {$500.00}. When I contacted XXXX, it appears that while my husband 's was calculated correctly, mine was not. It did not include the combined loan debt and combined income in the calculation. I spent over an hour on the phone and it will take several weeks to get resolved. I work in XXXX XXXX and am very familiar with the process and knew what our estimated combined monthly payment should be. For someone not as familiar, this mistake could result in someone not paying their loans or not knowing how to proceed or what questions to ask. I encourage all student loan borrowers in income-based repayment to be aware of the recalculations ; if your income increases slightly, your monthly payment should correlate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-14
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2023-08-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX we purchased a tv from Costco for {$790.00} in XXXX, California. We were told Costco had the best warranty so we used our Citi card to make this purchase. On XX/XX/2023, I lost my balance standing next to my tv and accidentally hit it with my elbow causing lines to appear on it, the tv no longer works at all. That same day, I reached out to Costco via their live chat on their website and told the employee what happened and asked if it would be covered, she said yes. I asked even if it was something we did by accident, she said correct. We followed all of the troubleshooting steps provided, but the tv still wasnt working properly. On XXXX XXXX we were notified that it would not be covered and would cost approximately XXXX XXXX dollars to repair. We reached back out to Costco and got transferred around via phone for over an hour. Nobody wanted to help rectify this or take ownership. We got a supervisor by the name of XXXX who listened to us and said she apologized we were given wrong info and would look into a compensation. This was on Thursday, XX/XX/XXXX. We gave her a few days and still didnt hear anything. On Monday, XX/XX/XXXX, we reached out via live chat again to get XXXX which took so much work. We asked for a supervisor right from the beginning and they kept saying it wouldnt be covered. We were already extremely frustrated at that point. XXXX sent an email the next day and stated there was nothing that could be done and she basically said that we misinterpreted what the first live chat representative said which is incorrect. I went to social media finally and got an email to reach out to. I sent in everything including screenshots. We were still told nothing could be done and they would make sure to talk to the employee about providing us with wrong information. At the end of the day, we need a new tv and want this to be rectified. If we are told something will be covered, then it should be covered. Costos customer service is absolutely awful and I hope nobody has to ever deal with this type of situation.

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 2019-03-28
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting the XXXX charge-off account partial account number -XXXX-XXXX in the amount of {$330.00} on two separate line items on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This double reporting for the same account is harming my credit score. One of the line items needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Property Address : XXXX XXXX XXXX, XXXX, FL XXXX My last day of tenancy with XXXX XXXX XXXX ( XXXX XXXX. XXXX, FL ) was XXXX/XXXX/XXXX. I provided my forwarding address via email and in writing. I was to receive a Security Deposit Disposition form with an itemization of charges of the final billing. I received nothing. Not even a certified letter or no notice of an attempt to deliver a certified letter. 

On or about XXXX XXXX, XXXX, I receive a call from a debt collector requesting payment of $ 1,800.00+ on behalf of XXXX XXXX XXXX 

I demand to obtain a copy of the itemized billing so that I can validate the debt. 

ALSO NEED THE CERTIFIED USPS DELIVERY TRACKING NUMBER OF WHEN THE FIRST STATEMENT WAS SENT BACK IN XXXX ( probably the XXXX of XXXX according to National Credit Systems )

Company response to consumer: Closed with explanation