BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: EQUIFAX, INC.
State: OH
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 is a third demand for the unverified items listed below that remain on my credit report in violation of Federal Law. FCRA requires the credit bureaus to have a copy of the original creditors documentation on file to verify the accounts are accurate. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). The companies have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
1.XXXX XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX  # XXXX 4.XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6.XXXX # XXXX 7.XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In Spring XXXX I initiated the process of refinancing my home through Fulton Bank, NA. The purpose was to reduce my monthly payment, reduce the interest rate, and obtain cash out. I worked primarily with Fulton Bank. XXXX XXXX XXXX was the titling company. On XX/XX/XXXX I signed a disclosure form outlining the monthly payment and terms of my mortgage. My monthly payment was {$870.00}. 

On or around XX/XX/XXXX, I received a letter from XXXX XXXX at Fulton Bank indicating that they did not account for city taxes when determining my escrow amount. The left this item out entirely. XXXX XXXX did not successfully provide the tax certification information to Fulton. With the addition of the city tax to the escrow amount, the change meant that my monthly mortgage increased by {$130.00}. One of the reasons I signed the disclosure was that my intention was to pay MORE each month by about {$130.00}. With the change in disclosure due to someone's negligence and oversight, I now have a higher monthly payment that renders my rationale void. I wouldn't have signed this updated disclosure form. 

I've reached out to XXXX XXXX and XXXX XXXX with Fulton Bank regarding this grievance and they have not been able to answer my questions or assist whatsoever. I've attached the correspondence between these individuals, the initial loan disclosure form, and the subsequent disclosure form with the increased monthly payment.

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 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I made a 3 check deposit at the bank of America drive thru ATM. At the same time I tired to withdraw {$1000.00}. Nothing came out, neither cash or receipt. immediately after I called customer service and spoke to XXXX on the phone. he said to go into the branch and try again because the money was still there and not to worry. I tried to withdraw inside with no luck. ATM said I could not withdraw a second time. At this point, since I had been a 30 year customer I trusted that the money would be there tomorrow. I called multiple times asking about the missing money of {$1000.00}. On XX/XX/XXXX they gave me a temporary credit of {$1000.00}, while the case was being investigated. Again, I trusted the system that everything would be resolved. On XXXX they sent me a letter saying they were taking the {$1000.00} back due to their findings. No explanation of what they found. Claim # XXXX. Called customer service and spoke to XXXX, XXXX and XXXX. They all said I need a subpoena to access their findings.

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 2019-05-31
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: Account status incorrect

Complaint:
Upon requesting and viewing my credit file with Experian ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Experian ). Here are the errors that I need Experian to correct. 1.  XXXX XXXX XXXX This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 2. XXXX XXXX This account is paid in full.

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 2022-11-01
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The account and addresses was opened without my permission. 

XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Closed account XXXX XXXX XXXX Date open XX/XX/2020 XXXX : {$15000.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX 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 2018-02-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
1. I closed the Gap/XXXX XXXX about 3-4 years ago, maybe longer. I didnt get any statement since then till XX/XX/XXXX. And forgot completely about the card until XX/XX/XXXX. 
2. I received a statement on XXXX XXXX. The statement had a balance but didnt indicate what it was for, because it was not a current charge then. I called and asked the representative and found it was for XXXX XXXX. I thought it was my mistake, and paid around {$170.00}. And then closed the account ( Still XX/XX/XXXX ) 3. I received no statements from XXXX XXXX. 
4. I received another statement XX/XX/XXXX ( I closed the card twice! ). It had a " previous balance of {$150.00} '' and " fees Charged '' of {$37.00} and " Interest Charged '' of " {$3.00}. 
5. I called and said I wanted to dispute the charge.

6. The call got dropped.

7. I called back but wasn't able to log into the system. My birth date and card number didn't let me speak to the representative. Their phone system cant find my record, which it was able to on the first call.

8. In XX/XX/XXXX, I get another statement, with additional amounts of " fees '' and " interest charge '' I called XXXXXXXX XXXX again XX/XX/XXXX. Exact same thing happened from step 5-7.

9. I try to log in at the website but didn't know neither id nor password. ( Tried to register but the system wouldnt let me ) Usually if I dont know id or password, they would still let me log, by emailing me the temporary password but this system will not operate in such a way.

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, XXXX, XXXX  and Transunion, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2020-10-27
Company: EQUIFAX, 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:
XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, XXXX, Equifax and XXXX, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am divorced as of a year ago in XX/XX/XXXX, filed chapter XXXX  bankruptcy which was filed on XX/XX/19, loans against house through XXXX and XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both Equifax and XXXX credit reports after having been removed from bankruptcy, talked with XXXX, not easy to get this task done, also emailed Equifax but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, XXXX XXXX XXXX has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed  back on in error but not able to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a long time Citibank cardholder and my credit history can confirm that I pay on-time and in full every month. Twice I have experienced what I consider unethical practices when enrolling in or making changes to auto-pay. The company has resolved my problem but I am concerned that they are taking unfair advantage of other customers and I think they need to amend their practice. What happens in that you enroll in auto pay and you get a letter confirming that you are enrolled but when the next due date rolls around, no deduction is made and Citi charges you a late fee and interest. When this initially happened they said " didn't the representative tell you? '' but the answer was no. They refunded the charges but it took a second call the next month. Then on XX/XX/XXXX I called to change banks. Warily I asked the representative if the charges due on XX/XX/XXXX would be withdrawn or skipped and she assured me that I had placed the request in plenty of time. She also agreed to push back the payment date to the XXXX  of the month. I called a second time on XX/XX/XXXX and the representative told me that the listed bank was the new one. So on XX/XX/XXXX with no deduction from my bank account I called and discovered that the withdrawals and date change wouldn't start until XX/XX/XXXX. The rep was very nice and apologized and reversed the late charge and interest, but I was furious with Citi that I had been duped twice. I see no reason that the autopay can not take effect within 15 days and if it can't be, then every representative must be obligated to state that fact very clearly and a letter should be sent to that effect.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 putting this company on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

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 2019-08-22
Company: Dynamic Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a private student loan with XXXX XXXX XXXX XXXX XXXX formerly called XXXX. ( Now called XXXX XXXX XXXX XXXX XXXX. According to XXXX XXXXXXXX the originator XXXX XXXX XXXX keeps saying I still owe money that I dont. I receive these every year saying I owe money I dont owe anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2022-10-24
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I want to an event in XXXX I informed chime that I was charged the wrong price and I said proof that I tried to contact them and everything XXXX gave me a temporary credit and even after proving that they charge me wrong and that I tried to reach out to that company time, decided to do it in their favor and caused my account to be severely negative. And I also had a situation where time sent me the wrong credit card twice and it caused my bills to be late and do and some of my bills I wasnt able to use a digital card. I needed a physical card for it and I wasnt able to provide that which cause my bill is psycho late and my balance to be negative and my credit to be affected

Company response to consumer: Closed with explanation