BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-24
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a business checking account at BB & T. On XX/XX/2019, I attempted to deposit a check into my account and I received a message stating that I was over my monthly mobile deposit limit. I was confused because it was the first of the month and I had not deposited any checks since the previous month. I called BB & T and they said that I couldnt deposit checks into business accounts via the mobile app even though I had done that before. 

I was instructed to open a personal account, into which I could deposit checks via the mobile app. I was told that if I opened the account online I would have immediate access, that I could link my personal and business accounts, and immediately be able to transfer money between them. 

On XX/XX/XXXX, I opened my personal account online. Though I successfully opened online, I did not have online access as I had been promised. Because I was traveling in an area where there were no BB & T branches, I could not go into a branch until XX/XX/2019. In the intervening time, my business account became overdrawn. I had the money in my personal account to bring it back into the black, but BB & T could not make the transfer until I went into a branch. During this time, I incurred an astonishing {$320.00} in overdraft fees in my business account because I had no way of transferring money between the two accounts. 

When I went into the branch, I met with XXXX XXXX in XXXX XXXX County, Florida. She investigated the accounts and told me she would link them and that I would have online access in XXXX hours. The online access still never material, I was not able to transfer money and I received an additional {$36.00} overdraft fee. This brought the total to {$360.00} in overdraft fees. 

I had only opened the second account on BB & Ts advice ; I could have had my customer send a bank wire directly into business account in the first week of XXXX to keep the account positive. My TOTAL deposits between the two accounts was always positive. 

I requested a refund and was told they would not refund any of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am receiving a letter from Collection Information Bureau, INC ( CIB ), Creditor : XXXX, XXXX, amount : {$680.00}, I have neved received the originall Bill. 
In order to activate XXXX program for my XXXX years old son, I need to submit ALL Original ( or copy ) Bill, CIB refuse to provide me the original Bill, refuse to fax the original bill to Children and Family department, and refuse to colaborate with my case in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing in regard to my personal credit information being shared on my consumer report. Pursuant to federal law 15 U.S.C. 1681a and 1666b, there is certain information being shared on my consumer report that I would like to cease immediately. This includes transaction and payment history information that is explicitly excluded from being shared. 

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to follow certain procedures in order to ensure the accuracy and fair reflection of the information in their reports. These procedures include but are not limited to, the requirement that the CRA must limit and remove any information that is exempt ( i.e. illegal ) from being shared as stated in their own laws. 

The accounts that are legally exempt from being shared are : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX I would like to request that you immediately take action to remove this credit information from my consumer report, as required by federal law. Additionally, I request that you take appropriate steps to ensure that this does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: EQUIFAX, INC.
State: MO
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:
XXXX  and Exquifax has the wrong Credit Score at XXXX and my Credit Score should by XXXX. XXXX  and Exquifax ate Discriminating against me because I am XXXX XXXX. I want a full investigation into XXXX  and XXXX because they both are Quity of XXXX Discrination. I want XXXX  and Exquifax to correct my Credit Score to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # 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 2023-09-25
Company: EQUIFAX, 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.

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 non-monetary relief
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Experian Information Solutions Inc.
State: TX
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:
AS PER MY LAST COMPLAINT IF YOU GUYS DO NOT FULLY INVESTIGATE OR SHOW ME PROOF THAT I HAVE AUTHORIZED THIS INQUIRY MY NEXT STEP IS TO TAKE LEGAL ACTION. I IN NO WAY SHAPE OR FORM GAVE ANY AUTHORIZATION FOR THIS COMPANY TO CHECK MY CREDIT OR LEAVE A INQUIRY ON MY CREDIT REPORT, THIS INQUIRY SHOULD OF NEVER HAPPEND. AS I DO HAVE A FRAUD ALERT NOW ON MY ACCOUNT. YOU DENYING MY REQUEST IS ILLEGAL AND IS YOUR DUTY AS A CREDIT REPORTING AGENCY TO SEEK OUT A FULL INVESTIGATION WITHIN 15 DAYS OF THIS COMPLAINT. I HAVE ALSO CONTACTED THE INQUIRING COMPANY AND THEY SAY THEY HAVE TO APPLICATION OR ANYTHING IN MY NAME If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. WITHIN 15 DAYS OF MY COMPLAINT. MY NEXT STEP IS TO BRING LEGAL ACTION AGAINST YOU COMPANY FOR NOT ACTING ON MY REQUEST FOR AN INVESTIGATION AND NOT PROVIDING ME ANY DETAIL. ONCE AGAIN I DID NOT AUTHORIZE THIS INQUIRIY IS EITHER FRAUDULENT OR UN AUTHORIZED OR A ERROR IN YOUR SYSTEM I would like to be provided proof I consented to this inquiry via FCRA section XXXX and XXXX as well as the accuracy of this inquiry via FCRA section XXXX. If you have no proof immediately of any or one,  I would like it removed immediately By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report I have summited the inquiry here

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 2021-11-03
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:
All praises to G-d. Hope all is healthy and prosperous during these times. Experian credit report agency ( as known as : experian.com ) has wrong past due payment information on the credit report that bears my name. The report claims that I failed to make a XX/XX/XXXXce loan payment on a government student loan account I am making parents on even though the cares act has froze all such payments until XXXX CE.. I contacted the student loan company and they did verify that no loan payment was due onXX/XX/XXXXce due to the cares act passed by congress in response to covid19 and also that no loan payment on the student loan account bearing my name is due until the end of XXXX CE. Specifically, all loan payments are fully satisfied, including the XX/XX/XXXXce payment, I will not need to make any payment ( s ) until the end of XXXXce. This would of course mean experian.com agency is providing misinformation, if my memory serves me correctly, it would also mean that experian credit agency is in the habit of poor record account keeping because I have complained about this type of misinformation to experian before and had the issue resolved after considerable effort. Also, an account was missing for a few months and not showing up on the credit report that is in my name of which Experian claims to keep accurate records on, this effected the credit score associated with said account. Whether it was a standard process or a mistake I am not sure.

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 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 was charged a cash advance fee for using XXXX. I then paid the fee and the entire amount of the cash advance off, and Capital One is still charging me a monthly cash advance fee, and a separate interest charge. I have spoken with management and I was hung up on when asking for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: BAM Management US Holdings Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I bought {$80.00} USD worth of cryptocurrency through Binance.us and made about {$250.00}. However Binance has locked my account due to " risk management '' and have not responded to my countless emails or direct messages through twitter.. which are the only two forms of communication that they offer. It has been over 2 months and still no answer and still my account is frozen. They are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: TN
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:
A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX and was sent to XXXX XXXX for collection. They only gave me last XXXX digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or 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 2023-04-26
Company: SAN DIEGO COUNTY CREDIT UNION
State: HI
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:
XXXX XXXX XXXX XXXX was reporting a bill that was not mine. XXXX took out insurance on my car without my consent. My car already had insurance. I contacted my insurance company XXXX. XXXX contacted XXXX XXXX XXXX XXXX Department and had them correct their mistake on XX/XX/23. I got the official letter in the mail from XXXX stating that bill was removed from my account. I want to make sure that my credit is fix because it went from a XXXX to a XXXX because of XXXX  error. I want my credit return to its XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: EQUIFAX, INC.
State: UT
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:
Hello, I'm trying to seek help for an honest mistake that has destroyed my credit- that I worked very hard to rebuild. I submitted an auto draft payment to my mortgage in XXXX and then left town. When I returned home I found out I had typed one digit wrong on my bank 's routing number and it didn't process. I am asking for the late payment to be deleted. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked Midland to validate this debt as mine and they have not sent anything saying I agree to pay this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX and was sent to XXXX XXXX for collection. They only gave me last four digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or 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 2022-06-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # 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 2016-10-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage just got sold to another servicing company as of XXXX/XXXX/2016, the first letter I received stated this fact and said for the transfer should be complete in sixty days, that during this time no service fees or late charges would be assessed. I had to reset my ACH with my bank and the new ACH would start on XXXX/XXXX/16, after that date I would make XX/XX/XXXX payment directly. What a nightmare, I have received twelve letters and six phone calls as of today XXXX/XXXX/16. The latest being my payment would go up from {$400.00} per month to {$450.00} due to them being able to keep a two month reserve in the escrow account. 
I am retired, was on XXXX, now on social security with a fixed income and coming up with this added payment will be dificult. By my understanding I have until XXXX/XXXX/16 to have my ACH set up and the XXXX payment made without all this harrassment with letters and phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: 21ST MORTGAGE CORP.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This credit was paid in full at XXXX XXXX was sold/securitized and is actively traded for profit/gain by this fraudulent company. The finance charge is the sum of all charges and still this company has forced insurance that I must pay monthly and that has paid them in full for this credit repeatedly. This pretend lending company will not send me a full accounting of the money they have made off my promissory note/loan of which I am a investor. Nor have I received any money off this mortgage backed security. I have requested a full accounting from this so called corporation of on and off ledger/accounting in writing. I have also asked for proof of actual funding of loan/cash receipts. I was denied.

Company response to consumer: Closed with explanation