BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-21
Company: GreenSky, 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 status incorrect

Complaint:
Green Sky is false reporting to the credit agency that my account is still open and I that I have a balance. I do not have a balance with this company and this account is paying in full they keep reporting to the credit agency like i've only made one XXXX payment which is not true the account is paid in full and should reflect that. I filed several disputes and they keep lieing to the credit agency. They need to fix or face legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I opened account with Union Bank in 2015. When I was at branch location in XXXX XXXX XXXX, teller was very rude and refused deposit a check, because my first name had one letter different. I tried to explain and even showed California government Insurance, that my first name can spell different. I also pointed out that similar check /same merchant, similar $ 800+ amount was deposited previous week /. I asked for supervisor. They had so many people working at this branch but only 1 teller was available. Behind me was an impatient XXXX  man who was pacing and asking me to move, while I still was speaking to teller! I stood aside. XXXX  man went to cashier and was making comments about me, while I was there - its a very small branch and space by counter is tiny. I politely told him not to talk about me. Manager came in, that XXXX  man got weird and hit my leg with his leg! He knew very well that Bank workers couldn't see that, because of tall counter! I was upset and told him to stop acting crazy while he called me name. Manager said that he is regular customer! They refused to assist me. When I went to my car and drove away, I saw XXXX  man behind me! I parked and called acquaintance of mine. 2 hours later we safely left. I was prejudiced against in this branch where they favor XXXX, I was insulted. I lost money, because not able to deposit a check, I ended up cashing it without any problems at cashing place for a very high fees, because I needed cash to pay a bill. I left a card in the branch, being upset about mistreatment and couldn't withdraw my own money. Shorty after, branch in XXXX XXXX sent me letter that they discontinued my services! I had to wait for a while, when they told me they will mail me check from my account, losing money because of all above mentioned - {$580.00}. Bank was holding onto my money meanwhile, while I wasn't their customer. Eventually they sent a check. 
I am demanding them to pay my losses {$580.00}

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 2019-11-12
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Over the past month I've been trying to have fraudulent property tax payments removed from the final balance of my lease pay off. When I leased the car I lived in XXXX XXXX, a year later when I moved I updated the vehicle registration information with both the Dept of motor vehicle and Hyundai Finance.  Over the past few years I've been paying taxes on the lease in the county I moved to- XXXX XXXX and that's the Cty Hyuandai finance has been charging me. However, for some reason the month before my lease ended, they added taxes from XXXX XXXX Cty-XXXX to my account and stated I owe these fees. Keep in mind I've been paying the property taxes with Hyundai for XXXX Cty over the past years, which proves they have my updated property tax information. I've contacted Hyundai finance several times and each time they state they haven't received any verifying information from me and the Hyundai finance tax department hasn't uploaded the verifying faxed documents I submitted to clear this up. Hyundai states they have no other means for me to send this information and still claim they aren't receiving my faxex although I have receipts. I'm reporting this because I've tried and failed to resolve this with them. Hoping you all can speed up the process. Please let me know if you need further information from me/documents for verification. Thanks.

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 2022-12-15
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Sunbit, Inc.
State: OK
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:
Recieved a report on my credit monitoring service that a new installment loan had been opened in my name on XX/XX/2023 at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX in the amount of {$610.00}. I called XXXX to place a fraud alert and dispute the information on XX/XX/2023. 

On XX/XX/2023 a representative of Sunbit, using the email of XXXX XXXX, called in reference to the dispute that I had filed with XXXX. I verified that it was not my account and that they had the wrong phone number and email. Sunbit emailed me a copy of the loan agreement and I again told them that it was not mine ( I always use my full name on legal documents ). 

On XX/XX/2023 I recieved a letter from XXXX that Sunbit had verified the account WAS MINE and ACCURATE. 

I called both XXXX and Sunbit to no avail but that I needed to file a police report and file a report with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: First Direct Mediation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a text message early today from an unknown number, saying I had to contact them about a failed bank transaction and that it was urgent for me to call them. I called back and spoke to a gentleman he stated he worked for a company called First Direct Mediation, based out of XXXX, NY. He asked about a loan I took out years ago from plain green loans and I explained to him that I paid them over 3000 more than my XXXX I took out and the outstanding balance was because I asked for 2 extensions during the time I was making payments to the loan. He tried to set me up on payment plans and I told him he was crazy because I cant pay that much in a month especially during this time with COVID-19 he said he will talk to the creditor to see what he can do but if I do not call back before 5 he will file it with the court. This is really disturbing for agencies to falsify and threaten people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
US Bank automatically enrolled me in escrow for my home owner 's insurance. I made the payment to reverse the transaction, but they continually charge me an escrow fee on top of my regular mortgage 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: UMB FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
UMB XXXX XXXX ( https : //hsa.umb.com/ ) is a predatory company that charges excessive fees for their accounts. There's a monthly fee, account maintenance fee, account closure fee, etc. 

Please fine them into oblivion for their XXXX business practices that simply steal money from the workers of this country and funnel it to executives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/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 2021-10-12
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: Account status incorrect

Complaint:
Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Cash app took hundreds of dollars out of my account leaving it in the negative. They proceeded to close my account. When I asked why, they gave me a link to terms and conditions and no explanation to what may have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: SYNCHRONY FINANCIAL
State: AL
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:
Multiple credit inquiries for duplicate companies Address and name is not accurate old addresses keep reappearing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2023 Nelnet moved XXXX XXXX  from XXXX account to another without my knowledge or consent which caused my credit score to drop XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2023 The Credit Bureaus stated Accounts, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX were properly investigated but how is that possible if the open date is innaccurate, the date last active is inaccurate including last reported date is not accurate. I have verified the reports on these accounts and everything highlighted is not matching each credit bureaus. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding False Debt on Credit Report Dear Sir/Madam/They, I am writing to file a formal complaint against Midland Credit Management in relation to a debt that was falsely added to my credit report on XX/XX/XXXX for the amount of {$2600.00}. This inaccurate information is negatively impacting my financial history and is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

I discovered the erroneous debt on my credit report in early XXXX and immediately took steps to rectify the situation. I contacted Midland Credit Management and requested that they investigate the matter and remove the false debt from my credit report. However, despite my repeated attempts to contact & dispute the debt, Midland Credit Management has failed to take appropriate action and continues to report this inaccurate debt. 

This willful noncompliance with the FCRA laws by Midland Credit Management is highly concerning and has caused significant harm to my financial well-being. The false debt has resulted in denial of credit applications, increased interest rates, and various other negative consequences. I have attached supporting documents, including copies of my credit report highlighting the inaccurate debt and correspondence with Midland Credit Management, for your reference. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against Midland Credit Management for their failure to comply with the FCRA. I am seeking the following remedies : 1. Immediate removal of the false debt from my credit report. 
2. Correction of any negative impact caused by the false debt, including the adjustment of interest rates and credit scores. 
XXXX. Compensation for any financial losses I have incurred as a result of this false debt. 
4. Imposition of appropriate penalties on Midland Credit Management for their willful noncompliance with the FCRA. 

I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and effectively, ensuring that justice is served. I appreciate your attention to this matter and look forward to a swift resolution. 

Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
THERE WAS AN ACCOUNT OPEN FRADULENT IN MY NAME I SENT ALL SUPPORTING DOCUMENTS TO HAVE THIS MATTER RESOLVE. I RECIEVED A LETTER FROM FIRST PROGRESS CARD AND A LETTER STATED THAT THEY DID An INVESTIGATION REGUARDING MY DISPUTE AND THE LETTER INFORMED ME THAT THIS MATTER IS RESOLVE IN MY FAVOR THERE WERE A CASE NUMBER # XXXX THAT WAS CREATED FROM THE COMPANY .AND THAT AN UPDATE WILL BE SENT TO THE CREDIT REPORTING AGENCIES AND An UPDATE TO REMOVE /UPDATE MY ACCOUNT TO ALL 3 CREDIT REPORTING AGENCIES. AS OF XXXX THIS COMPANY HAS REPORTING TWO OTHER ACCOUNTS ON MY CREDIT REPORT WHICH IS INACCURATE AND FRADULENT FROM THE COMPANY. I HAVE FILED ANOTHER DISPUTE XX/XX/. IM ALSO ATTACH COPIES OF MY CREDIT REORT WHICH IS SHOWING PROOF OF THE INACCURATE INFORMATION AND FRADULENT ON MY ACCOUNT. I THINK ITS UNFAIR TO TELL A CUSTOMER WHO IS A VICTIM OF IDENTITY THE MATTER WAS RESOLVE AND THE COMPANY GOES AND LIE AND STILL REPORT FRADLUENT ON MY CREDIT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CORELOGIC 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 is missing that should be on the report

Complaint:
XX/XX/XXXX  Corelogic Credco, LLC Consumer Relations Department XXXX XXXX XXXX XXXX XXXX, Ca XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 2022-11-30
Company: EQUIFAX, 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 have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.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 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( 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 2023-06-24
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday XX/XX/XXXX I stopped at a XXXX XXXX XXXX  ATM located at the XXXX XXXX. I attempted to withdraw XXXX dollars the machine displayed an error occurred after I accepted atm fee and displayed unable to complete transaction. It gave my atm card back but no funds were dispersed, cash app took the money out of account immediately. I reached out to the atm number listed for errors XXXX and reported atm ID XXXX. The representative stated that the funds would be sent back to cash app. I filed a dispute with cash app and they have yet to resolved the situation causing me economic hardship. I reached out to the XXXX XXXX XXXX number again on XXXX and the atm claims representative XXXX stated that the funds were sent back to merchant Cash app as there was a network error with said ATM. Cash app is giving me the run around and not returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: U.S. BANCORP
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 is missing that should be on the report

Complaint:
US Bank has NOT been reporting its accounts on time or accurately on my credit bureaus. 

Balances are wrong, last reported not accurate and some bureaus dont even have my US Bank accounts at all.

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