BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
Company: ERC
State: AR
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:
There is an account showing on my credit report from a company named XXXX XXXX XXXX XXXX XXXX. ( ERC ) It's showing a past due balance from XXXX for {$150.00}. I've never had an account with XXXX. Someone gained access to my Driver 's License in XXXX. A Validation letter was received from ERC on XX/XX/XXXX from me asking to show proof that it was my account. On XX/XX/XXXX, I received a letter in response to the request including old billing statements. On the billing statements, it shows my name but it shows an address that I've never lived at and it also shows mobile numbers that I've never had. They did not provide any type of contract or signature showing that this is my actual account. The is affecting my credit negatively and they will not remove it. I'm being punished for an account that is not mine. I am not in any way responsible or have any knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer 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 2023-06-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have worked with XXXX many times to correct the information they are reporting with no changes made to my credit record. I am asking that this account be updated and 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 explanation
Consumer complaint received 2022-02-21
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
This is my fourth complaint against US Bank regarding XXXX Advances charge. US Bank responded to my first XXXX complaints and I found the response to be unacceptable. This complaint should be sent with Complaint No. XXXX. 

Specifically, US Bank states in their XXXX XXXX Letters : " If we did not know the last amount of insurance coverage you had. We purchased coverage in the amount of the unpaid principal balance of your account on the date we requested insurance to begin. '' Per my previous complaints, my loan with US Bank is a XXXX. In accordance with XXXX and XXXX regulations US Bank is not allowed to charge insurance premiums for amounts higher than the unpaid principal. 

Especially, if they claim the XXXX XXXX XXXX only covers the bank 's interest. 

In XX/XX/XXXX my loan balance was {$16000.00} and US Bank 's bank coverage was for {$130000.00}. The policy premium was {$1100.00}. 

In XX/XX/XXXX my loan balance was {$14000.00} and US Bank 's coverage was for {$130000.00}. The policy premium was {$1200.00}. 

In XX/XX/XXXX my loan balance was {$12000.00} and US Bank 's coverage was for {$140000.00}. The policy premium was {$1100.00}. 

Note, I do not have the declaration letter for the XXXX policy coverage that cost {$1100.00}. 

Furthermore, US Bank paid " XXXX '' policies in XX/XX/XXXX and XX/XX/XXXX XXXX months after the fact.

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 2018-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my accounts in XXXX of 2017 because of Alleged fraud in my account. They do n't give any information other that the accounts are closed. I would like to clear this negative information from 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 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
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:
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 XXXX Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number: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 explanation
Consumer complaint received 2023-03-25
Company: Synovus Bank
State: LA
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 have 2 secured credit cards with FIRST PROGRESS CREDIT CARD that I was using to rebuild my credit 10 years ago. I've put this card on the side and rarely use it. Until last month, AFTER I was hit with late fees because I did not pay the $ 39 yearly fee to have the account, I rarely received correspondence of any kind from this company. I paid off the balance because I figured I may have made a mistake. Then I started paying VERY CLOSE ATTENTION to what correspondence was coming in from this company. I've received statements/bills for XXXX & XXXX. Both of these statements have had a XXXX balance. Today I found out, through a company I am talking with about a consolidation loan/restructuring, that I have a {$150.00} balance on one of the 2 cards. This was NOWHERE in the statement/bill I received. I called the company 's customer service. The only way I was able to speak to a person was by telling the automated system that my card was lost/stolen. They have no other option to actually speak to a person or deal with a problem the automated system is not set up. I also found out that the customer service representatives have no way of corresponding digitally. All correspondence is by USPS mail or by FAX. I was instructed that I must pay off the charges on my card, charges that were only accrued because I was not made aware of a balance, before they will even consider waving the fees that they tacked on for a charge that was not a purchase. I've close one of the cards that I have with them ( the one with no balance ) and have left open the acount with a balance in the hopes that this can be resolved amicably. 

This is the most obvious form of predatory lending I, personally, have ever experienced. They are using one account against another to confuse the situation, demand payment of charges accrued due to their abnormal and purposefully difficult business practices, then expect me to pay them and fight for a reimbursement. They send me a bill for one account but not the other that has a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXXXXXX XXXX Checking account for the Month of XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.

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 2019-11-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX in reviewing our American Express Card we noticed an extremely high interest rate. I immediately called American Express to understand why and was told that we were being charged a penalty interest rate for late payment in XX/XX/XXXX because payment was made after the XXXX cut-off date of XX/XX/XXXX on the XXXX of XXXX. 

In reviewing our bank records there were two payments made in XXXX, the 1st on the XXXX of XXXX and the 2nd ( for the next billing cycle from our perspective ) at the end of the month after the bill payment date of the current month. The payment on XX/XX/XXXX was above the minimum required for the XXXX billing cycle. 

When speaking to the representative, and then the supervisor, I was told that their records could not be accessed that far back and so I could not get an explanation why the XX/XX/XXXX payment was not applied to the billing cycle due XX/XX/XXXX, but in fact applied to the XX/XX/XXXX due date, which was already paid. 

I did not look at the statement closely until this month because we had been paying many times multiple payments through the month and did not expect that we could possibly be considered late in doing so. The representative stated payments can not be applied to future cycles if the statement was not generated yet, but could not tell me when the XXXX statement was prepared, only that it was 'probably ' prepared on the XXXX or the XXXX ( the date our payment was made ). 

Furthermore, American Express did not notify us of the change in interest rate, provide an opportunity to ensure payment was applied as intended, or review the rates 6 months after. The Supervisor I spoke to said the best he could do was fix the rate going forward. 

This practice of applying payments to past bills and then charging a higher interest rate ( nearly 30 % ) is disturbing to me and we would like for it to be reviewed. For the last 12 months we have paid twice as much in interest charges as a result of this practice then we should have, despite making multiple payments each month. I believe this practice, if looked into, may result in significant number of consumers overpaying on interest even though they have been making payments in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
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:
XX/XX/XXXX charges were made to a new credit card account number ending in XXXX that was generated by USAA Credit Card Banking Services without authorization request or knowledge of this new card or account. This card was then activated and used by the person whose name it was issued to and accumulated charges all on date referenced above in the amount of {$2000.00}. Additionally, charges were not declined when the credit limit was exceeded by almost this entire amount. This was brought to my attention by a fraud alert message on my phone the day of transactions to which I responded. All the charges were removed initially and pending investigation resulting in One of the charges removed from my account as unauthorized however, the others remain on my account which holds a different account number and has held this number for many years. I have sent three letters to USAA Credit Svcs. and have received no response addressing the specific issues stated in the letters ; XX/XX/XXXX and XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Over the past XXXX years, I have attempted to remove XXXX collection account from my credit report, without success. Unfortunately, the credit bureau is still listing it on the report when it is paid off and should no longer be taken into account. It is listed as : XXXX XXXX XXXX XXXX XXXX Paid off on : XX/XX/2018 2018

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 2019-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
spoke with select portfolio services rep XXXX on XX/XX/XXXX who put me on a payment plan and told me I would not be reported late to my credit. if I had known I would be reported late I would have made a payment immediately. I asked select portfolio to investigate spoke with supervisor XXXX and they have refused to remove the late payment from my credit. I am left with no choice but to seek address from cfpb.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 several times to show that I paid off XXXX account. The credit bureaus are not validating it properly even after I provided documents to show that my account is paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am asking the following inquiries be deleted immediately from my credit profile. I have reached out to the companies to ask for validation of these inquiries with no response. I have not applied for the following accounts. 

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 XXXX

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 2022-08-11
Company: CL Holdings LLC
State: GA
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 account was closed on my credit report for well over 7 years. It was sold to another creditor 2 years ago. They never contacted me about it. My credit report also says I refinanced the loan with them in XXXX but I havent had a loan with them since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been getting charged late penalty fees for my tax payments since I have owned my home since XX/XX/XXXX. To be clear, these are regular tax Bill 's. I have an FHA loan which requires me to have an escrow account pay for taxes on my behalf so I have no control over when payments are being made. I refinanced in XX/XX/XXXX in hopes that this would help solve this issue, and clearly mentioned to the New American Funding loan officer to ensure that my tax payments get sent out and confirmed by the deadline each year. 

I have emails dating as far back as XXXX which states the ongoing status of my complaint about these penalties on my account with New American Funding, and it has been almost a year now and my case is still outgoing. The representative I am speaking to said that they are at the mercy of XXXX XXXX County, and can not do anything further until they are contacted back. Escalations have apparently happened, but clearly there isn't enough action in place to get things settled in a reasonable time frame. 

So far, I have received the following : I have been getting threatening delinquent letters from the county saying that my house will default if payment is not received. 

I have also been getting charged even more late penalty charges since, which keep getting tacked on to my yearly tax payments. 

I have gotten a letter from as New American Funding saying that they are increasing my impound account because there wasn't enough money in there to cover tax payments. Mind you that the increase in taxes were also contributed to these ongoing late penalty taxes. 

Most recently as of today, XX/XX/XXXX, I now received a threatening letter from New American Funding stating that my official taxes are delinquent and if they pay for it, then my mortgage payments will increase even more as a result of them paying, EVEN THOUGH, I have an ongoing open case with them about this matter. This delinquency is a direct result of this ongoing issue with escrow not paying on time or working with XXXX county to accept payment on my behalf. 

I have lost thousands of dollars over the past 3 years of owning this house due to the incompetence of New American Funding and XXXX XXXX County 's inability to solve this ongoing issue. I know I am not the only one going through this issue either as mentioned on a call with one of the representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation