BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C System has placed a collection on my credit profiles claiming that I owe {$230.00} to XXXX XXXX. I've NEVER had services with XXXX  before as I've used XXXX or other services under the XXXX XXXX XXXX. I'm not sure how they tied my name with this erroneous debt! I've contacted this company twice by mail ( in which I have the USPS tracking number as proof of delivery ) and three times by phone. They have yet to resolve this issue. They have yet to verify with my signature or any other means because they can't.

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 2020-01-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/2019 US Bank was running a promotion : A bonus of {$300.00} when you open a newchecking account and receive recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening. 

On XX/XX/XXXX I opened US bank checking account and met promotion requirements shortly afterwards. However, I did not receive {$300.00} bonus. I contacted US bank customer service several times regarding this issue, but no one was able to resolve it.

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 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Working on repairing my credit, I contacted Trans Union to inquire about 2 items on my report with XXXX XXXX. XXXX # # : XXXX. 
Trans Union insisted they have verified the account with XXXX, however no one has ever been notified via from Trans Union. 
Also, Trans Union are not listing the entire account number but a partial account number and this is highly damaging to my credit score with not listing the entire account number. By not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 
On XXXX XXXX, 2019 I received notification from trans Union saying the above account has been verified and is accurate. Also, on XXXX XXXX, 2019, I received notification from trans Union saying the above account # with XXXX XXXX has been Deleted from my credit report. 
In accordance with the requirements of the FCRA section 6119a ) ( 5 ) ( B ) ( ii ), Trans Union was required to notify me of the reinsertion in writing within 5 business days. I received NO such notice and this is a very serious violation of the FCRA. 
Additionally, I asked Trans Union to provide the names, address and telephone numbers of each person they contacted regarding their verification of the account with XXXX XXXX. Once again, they FAILED to provide this information. I informed Trans Union, ANY AUTOMATED RESPONSE OR XXXX VERIFICATION IS UNACCEPTABLE, I requested their method of verification, DID NOT receive this 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 explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CA
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:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED 90 DAY LATE PAYMENTS REMOVED HAVE NO IDEA OF THIS ACCOUNT NEED REMOVED ASAP PLEASE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 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 2022-01-24
Company: EQUIFAX, INC.
State: SC
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 comapany Equifax knew it was accounts reporting that I did not consent or aurthorize and they still reported them even knowing I was infected by their data breach. I tried to fix the problem but everytime I got in contact they hung up on me. This comapany is now in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/2019 I went to the Chase bank in XXXX XXXX NY to initiate a wire transfer. Waited for over 1 hour for a bank representative to even acknowledge me. I presented the coordinates for a wire transfer with XXXX  XXXX XXXX being the initial bank and XXXX XXXX XXXX XXXX XXXX being the final bank. I was informed by the bank clerk XXXX XXXX that Chase is a " big bank '' that does not need an intermediary bank and the funds will be transferred directly to XXXX XXXX XXXX  XXXX XXXX. After 1 week of the funds not being there, I called Chase to inquire what was happening. They informed me that XXXX XXXX XXXX  was being bought out by XXXX XXXX and they ( without my knowledge or consent ) request the funds back. The funds got back to my account 3 days later ( 10 days from my initial transaction ). As it turns out, XXXX XXXX  XXXX XXXX XXXX charged me {$35.00} for the return wire which i have no way of disputing since they are a foreign bank. Chase charged me {$50.00} for the initial wire and will be charging me an additional {$50.00} to send the wire again. Needless to say I am appalled at how consumers are being treated my these institutions when their dealings are completely out of our control. I was informed that if Chase had followed the initial instruction and initiated the transfer through XXXX this whole thing would have been avoided. I think I should at least me reimbursed by Chase for my transaction fee not to mention the time I spent in their understaffed bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The company is XXXX 's XXXX  and the bank is Comenity For the past 3 months ( XXXX, XXXX and XXXX ) I attempted to pay via phone. The computer refused my checking account info and forced me to speak with a human at a cost of {$9.00} each call. 
I went to make a payment online. The site repeatedly refused my checking account. I finally had to resort to my husband 's account. Then it still would not accept the bank account. Only until I went through the process of setting up auto debit. Which we are against. We got defrauded before. 
This month ( XX/XX/XXXX ) the computer forced me to call for a human and guess what, the call center is closed and will not be open till XX/XX/XXXX. Which would mean another {$40.00} late fee for their problem computers. But remember it's never their fault, I am being cheated for a {$40.00} late fee. I am tired of being constantly told I am wrong. 
There are other problems. 
I was told by the computer that my statement is {$1600.00} Then I am told I have a balance of {$1700.00} I have the XXXX statement that reads {$1700.00} Why am I making payments, and nothing is going down? 
Furthermore, it is always my fault, and I have a monthly charge of {$40.00} late fee. No matter what I do. 
I am well aware of the bankruptcy going on. Why am I being forced to pay for their problems?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Kikoff Inc.
State: PA
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 XXXX XXXX XXXX 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 any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two mortgage accounts with this company and previously submitted a complaint on one account and am having the same issue with this second account. I purchased this property XX/XX/XXXX, and the mortgage was sold to Select Portfolio Servicing, Inc ( SPS ) in XX/XX/XXXX. In XX/XX/XXXX a structural engineer determined that the building located on the property ( there are XXXX lots for the building which is why XXXX mortgage accounts were required ) was structurally unsafe and required demolition. Following relocation of the building tenants in XX/XX/XXXX, the building was demolished in XX/XX/XXXX and the lot has remained empty with no structures. I notified SPS in XX/XX/XXXX that I was not renewing the hazard insurance or flood insurance policy on the property due to the fact that there is no longer any building or other structure on the empty lot. I electronically sent documentation XX/XX/XXXX with the Certification of Completion of demolition by the city for further proof that there is no longer any building. I continued to receive notice that SPS would purchase hazard insurance so I called the company again in early XXXX, and I was told that they had received my information and would make a note that there is no longer a building on the lot. In late XX/XX/XXXX I again received a notice of intent to purchase insurance, so I sent a certified letter that again included documentation proving there is no building on the lot. Today I received a letter dated XX/XX/XXXX stating that hazard insurance has been purchased and my escrow account will be charged the amount of the insurance. I feel the company is committing fraud by purchasing a hazard insurance policy on a building that does not exist and requiring me to cover the cost of that purchase. Given the multiple times that I have communicated to them that there is no building on the lot, they can not claim that this is a simple error or that they were not aware of the lack of a structure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I enrolled the " Move money promotion '' from Ally bank back in XXXX last year. " Move money into eligible saving account and get 1 % bonus ''. I move {$50000.00} into my saving and satisifed all the condition by keeping the money in the account. Base on the term, I should get the bonus by XX/XX/23. I still hasn't get my bonus yet. Call them few times but still hasn't received my bonus.

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 2021-05-11
Company: Professional Credit Management, Inc
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked them to delete an unauthorized & unverified account, legally by law according the FCRA this account should be removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: MN
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:
Incorrectly reporting late payment ( XXXX, XX/XX/XXXX ) as late on my second mortgage with XXXX XXXX XXXX. I have talked to XXXX XXXX XXXX who has verbally validated that no late payments have been made. They have also indicated that they have not reported any late payment to the bureaus. I've disputed this information over 4 times to both Equifax and XXXX with little results. They have both come back saying that the lates were correctly reported by the loan servicing company. I've included the Equifax documentation as well as the mortgage servicers statements they have sent me showing that there hasn't been any late payments made. Disputes were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.This has negatively impacted my credit scores and I would like this corrected to show never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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:
Equifax is reporting 40 accounts are open when the accounts are closed. These accounts are paid. The 40 accounts have deducted XXXX points from my XXXX score. Equifax continues to report these accounts as derogatory and they are not which hinders my XXXX  score from ever increasing and keeps it in a negative status. These accounts have been stuck with this sinceXX/XX/XXXX to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with fraud alerts or security freezes

Complaint:
My late wife forged my signature on a loan agreement back on XX/XX/XXXX. My wife died in XXXX. I have tried to settle with Bank of America. I have Bank of America in Court. To settle this

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 2022-12-10
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:
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 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 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$750.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.

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 2023-09-01
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Apple Card account was restricted on XX/XX/XXXX with no explanation. I contacted Apple Card support and was told there was an investigation on my account that would require 5-7 days to complete. On XX/XX/XXXX, I received an email that my Apple Card was closed because " There was a failure to comply with the terms of the Customer Agreement ''. I contacted Apple Card support to inquire about what term I did not comply with but was told they could not reveal that information. They also told me I could not reapply for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is sky high due to my real estate taxes being overcharged by {$8000.00}. My mortgage was {$2500.00}. Now its {$3200.00}. It went up due to taxes being overcharged and the tax dept has sent them the refund. 

I am going to be XXXX in 2 weeks and I can not set up auto draft with that high payment. This will cause me to go into foreclosure. And the company refuses to do my escrow analysis immediately so that my payment will go down. I have been dealing with this issue for 3 months. This is in violation of RESPA as well.

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 2021-02-02
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Financed a car on XX/XX/2020 the loan is for XXXX the interest rate is 22.99 % this loan is financed through a corporation called XXXX XXXX. As per Florida Law unless the loan is through a bank or N.A. The interest rate is capped at 18 % clearly 22.99 is over that cap, and almost to the predatory rate that is deemed a misdemeanor by the state of Florida. During my car buying experience I was asked for a down payment of XXXX when I went to sign for the car and additional XXXX $ was then asked for on the down 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 explanation
Consumer complaint received 2023-09-02
Company: Synovus Bank
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has a late payment on my credit report ; XX/XX/2021 XXXX XXXX XXXX XXXX has a late payment on my credit report ; XXXXFirst Progress has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 

15 US Code 1666B- billing error

Company response to consumer: Closed with explanation