BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited check with US Bank XXXX XXXX XXXX XXXX in XXXX CA XXXX. The teller asked me if I wanted to cash check and I said " No ''. She did not tell me the funds would not be available for 24 hrs. When I noticed the funds not available, I called US Bank and was told I would have to return to bank. I called bank and was told to return to cash check then deposit cash to make funds available. So I went to the bank, having to leave work, and then was told the check is already in process so I can not cash it and then deposit the cash so as to make available to me today. So then I asked could they make 30 % of it available so I could get to the dentist today and make my co payment which is something I desperately need to do to relieve my dental pain and prevent further XXXX. I was told no. So then I asked to close my account and was told I couldnt do that while the check was pending. So now Im just in pain, cant get me dental work done, and for no reason at all other than the bank refuses to make funds available on a check that is not held.

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 2022-11-22
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It XXXX accounts that were open in my name that I didnt attend college. These are the amounts XXXX. {$7500.00} XXXX. {$7100.00} XXXX. {$6800.00} XXXX. {$6200.00} XXXX. XXXX XXXX. {$3300.00} XXXX. {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CarMax, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as XXXX  insurance that Carmax finance provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment XXXX years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have XXXX dollars to repay the US debt Ed I never got I call from this goverment institution saying this. I found out that i had to pay this is because I went into my email account to figure out why my credit was so low. On XXXX XXXX, 2014 this debt was applied to my credit and for so long I havnt got a call from anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted written disputes to both XXXX & Equifax on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding XXXX XXXX XXXX account # XXXX in the amount of {$2800.00}. XXXX XXXX XXXX is showing charged off with a balance of {$2800.00}. This is inaccurate. XXXX XXXX XXXX has not submitted any documentation of this charge off. This lease was successfully terminated XX/XX/XXXX and there were no additional charges. It is to be noted I am in litigation with XXXX regarding as I am part of the settlement due to the XXXX XXXX XXXX recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX XXXXXXXX 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 PAYMENT HISTORY LEGEND Status Collection account. {$270.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$270.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 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 2020-09-19
Company: United Shore Financial Services, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to recast my loan with a {$100000.00} payment towards my loan principle. After several attempts starting on XX/XX/XXXX my request to recast has been unacknowledged. I have received several different instructions of information to submit to an email address when calling. There is no representative with United Wholesale Mortgage that I can speak with about my recast request. Only an email address with no response is available for recast requests. It is well over the processing time that I was told it would take for recasting. I believe my requests are intentionally being ignored to collect more interest from me and sell my loan before recasting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-03
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2021-05-20
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My dispute is regarding a collection account showing on my credit report from Convergent Outsourcing , Inc in the amount of {$7000.00}, originally from XXXX, which I do not believe I owe. I have disputed this account directly with them and even hired a company to assist me with no result. They were informed that I dispute the debt and that I never received proof that I owed this debt, they were also informed that I will not pay until I received proof that in fact I owed XXXX  {$7000.00}. Still they continue to report this account on my credit reports and this situation have negative impacted my credit and have created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you

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 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 2018-10-02
Company: Persolve, LLC - Legal - Series 2
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 XXXX XXXX XXXX was listed as a collection on my credit report for the amount of {$5500.00}. I did not receive any notification of this debt before posted to my credit. I disputed this debt with all 3 credit bureaus and was notified that the debt was verified. In XXXX I recieved a bill from XXXX XXXX XXXX for this same debt. Tried to speak with persolve legal group about the debt and was notified that they no longer have this debt. So I asked for validation of this debt from the credit bureaus and recieved a reaponse from XXXX XXXX XXXX. I contacted them once again and they told me again that they no longer have this account and that I would need to contact XXXX XXXX   XXXX which is who is listed on my credit reports. XXXX XXXX XXXX  does not have a working number. The address is not valid. I researched the company and found no way of contacting them. Asked persolve legal group for a working number or address for the company and they do not have either. This debt is on my credit and I have no way of resolving it or removing it. The credit bureaus are not doing there job as far as the verification process and validation of this debt.

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 2020-10-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a a letter from XXXX  on XXXX dated XX/XX/XXXX stating my mortgage loan is past due in the amount of XXXX. I immediately called On XXXX and spoke with XXXX as I made payment per usual of XXXX and it was cashed. It was explained to me that I had a escrow analysis and my mortgage was increased. I explained I never received notification and asked for it to be sent again for my review before I make any adjustments. In addition, I have always traditionally paid the shortage in full as she noted in past years. 
XXXX demanded my banking information to pay the shortage immediately or my loan would be in default. She did agreed to waive the fees. In addition, I asked about deleting my escrow and paying my taxes on my own. In which she provided me with the email address of the escrow department and what contents were required. I was informed that it took 5-7 business days for a reply. 
I contacted XXXX on XX/XX/XXXX to follow up on my request and spoke with XXXX who informed me that the late fee remained from XXXX and I would also incur one for XXXX because I still had not been provided with documentation of an escrow analysis requested prior. XXXX  agree to waive the late fees for XXXX. I asked about the outcome of my request and was informed that I was approved to delete my escrow account. She informed me I still had to pay the shortage or I would incur a late fee for XXXX. I asked if I was approved and I have XXXX in my escrow account why I had to pay an additional XXXX if XXXX would have to reimburse me those funds and she said so I dont pay another late fee. I made payment immediately of XXXX. 
To my utter surprise, I received a notice dated XXXX after being told I was approved by XXXX   on XX/XX/XXXX that I was denied due to delinquent payments. I was delinquent XXXX because I was unaware of the increase! I have not been given the opportunity to even see this bill and when I called the number to rectify I am told too bad and their is no one I can speak to but just email another request. I am be penalized for not receiving a notification. I alone have to accept responsibility for XXXX mailings and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After multiple attempts, credit acceptance has willfully violated the FDCRA by not verifying debt and other FDCRA laws. After contacting multiple times, debt owed has not been verified. Also, the contract violated multiple FDCRA laws that was refused to acknowledge. Some of these as follows : 5 USC 1681 ( a ) -2 15 USC 6823- 15 USC 1602 defines finance charge ( a ) Finance charge 15 USC 1692 15 USC-1681 ( b ) My finance charge was supposed to include auto insurance which the company refused to provide proof of.

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 2023-02-25
Company: Crow Creek Sioux Tribe
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan of {$1000.00}. I was desperate to get money quickly and didn't read all of the fees. I read the next day and immediately did the website chat to tell the company to cancel the loan. The said they would and didn't. I got the loan amount in my account. The fees and charges are so high, I've been paying {$320.00} twice a month for 2 months and still owe {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: CA
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:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, EQUIFAX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX & XXXX Inquired on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: DISCOVER BANK
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover has called me 11 times in the last 4 days, and they continue to call me, and are calling me on the weekend and all hours of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Experian Information Solutions 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 and XXXX  account numbers : account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. states I have the right to privacy.

15 U.S.C. 1681 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666 B. A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any reason.

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 2023-04-11
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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