BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
USAA FEDERAL FUNDING IS DAMAGING MY CREDIT FOR AN ALLEGED DEBT WITHOUT LAWFUL VERIFICATION. I HAVE ASKED THEM TO VERIFY THE ALLEGED DEBT WITH THE ORIGINAL WET INK SIGNATURE OR DELETE THE FRAUD! PRODUCE THE ORIGINAL WET INK CONTRACT OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT. THAT IS THE LAW. USAA HAS SOLD THIS ALLEGED DEBT AND ARE STILL REPORTING THE ACCOUNT WHICH IS ILLEGAL. DELETE THIS FRAUD FROM MY XXXX, XXXX, AND XXXX ACCOUNT IMMEDIATELY. THIS IS FRAUD!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: ZIONS BANCORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
To limit sharing at XXXX XXXX XXXX of my shared information when calling at the bank while opening the account to OPT out of sharing was having issues with people that could barely speak English. Was on the phone while the accounts person was opening my account and doing paper work. It's not clear by XXXX XXXX XXXX my account is opt out. I'm OPT out at all 3 Credit Bureaus of marketing and all services with XXXX, XXXX, XXXX  are all OPT out of Marketing and services. There is a block on my credit files regarding Marketing & Promotions.

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 2023-10-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo is forcing my account to overdraft in large amounts just before my husband gets paid. My account isn't covered by overdraft protection but somehow my account keeps ending up XXXX or more overdraft. When I go through my banking statements I found where XXXX+ dollars is missing from my account every couple of days also causing overdrafts. As of today 's date there is just about XXXX of my tax return missing from 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 2020-03-04
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received marketing correspondence from Mastercard saying they would offer me cellphone insurance once I started paying my bill with their card. I had a claim and submitted it through my primary insurance at XXXX. I submitted the required documentation to Mastercard but they denied my claim saying they needed an itemized repair receipt. XXXX  has the right to repair or replace your phone and XXXX  replaced my phone and billed me for the replacement deductible. I don't have an itemized repair receipt because of 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 2022-03-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
We need to reopen Complaint ID XXXX that was prematurely closed in error. I received a written statement from Equifax that contradicts their response to the stated Complaint. We have never received an explanation of the debt claims and the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX a monthly mortgage payment in the amount of {$490.00} was received, but instead of being applied to a monthly payment it was applied to principle payment. I had to call to have the payment moved to a monthly payment, which now shows held in suspense, they state the payment was applied to a monthly payment, no where on my portal does it show that it was ever applied to a monthly payment. Again on XXXX the same thing occurred, my monthly payment was applied as a principle payment. I spoke with a supervisor on XXXX at XXXX and he had asked how I pay. I stated by check and on the check I specifically state monthly payment only, I also included a letter the 2nd time around stating that this is not to be applied to the principle. The supervisor stated well they just bundle to the checks, they don't even look at the checks. They stated that they will have the payment moved. When asking if I have to call and deal with this every month, they refused to answer. So far nothing has been resolved. This has to do with Freedom Mortgage Corp.

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up direct debit to pay off my monthly statement on my Barclays, XXXX XXXX credit card. The XXXX statement was for roughly {$7000.00}. When Barclays debited my bang account, they debited {$9800.00}. They did not apply a return ( which was returned to XXXX XXXX on XX/XX/XXXX for {$3600.00}. When I called them and apply the {$2800.00} to my bank account they said they couldn't and that they would have to mail me a check ( complicated by the fact I had just moved and did not have the correct address on file ). 

I called my XXXX XXXX bank to complain and they backed out the entire transaction ( what Barclays said they couldn't do ). 

The complaint is I set up bill pay to bring the balance to {$0.00} for the month. Barclays in essence overdrew my account {$2800.00} ( pulling {$9800.00} ) for a statement that showed I owed roughly {$7000.00}. Clearly I was not expecting this since no credit card I have ever had has done 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 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want the company to remove the fraudulent inquiries in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Accounts Receivable Consultants 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:
I have an account with Accounts Receivable Consultants, Inc.  that was paid in full in XX/XX/XXXX. The account shows a XXXX  balance, but the status of the account is reporting as " open. '' I've spoken with an account representative ( the same account representative ) on 3 different occasions in regards to the account status. She confirms that the balance was satisfied, but she is not understanding my request to update the status to " closed '' if possible. I continue to reiterate that I'm not requesting to have account removed from my credit, as she thinks. Our last conversation on XX/XX/XXXX, she again told me that what I was asking for was not possible and released the line as I was explaining that the account still shows as open. It's clear that this company is not attempting to listen ans or assist in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XXXX  my credit file number is XXXX im a victim of identity theft please remove and block the fraudulent accounts from my credit report I sent proof of identity theft and police report they told me that if i send proof of the original police report stating the fraudulent accounts that they will remove and block these accounts and now that i sent proof over XXXX times they are refusing to remove and block the fraudulent accounts from my credit report by bank of America, XXXX XXXX and XXXX XXXX XXXX  these accounts are fraud why is XXXX giving me a hard time to remove these fraudulent accounts when I sent all the proof to them and they keep refusing to help me I sent them what they ask for with proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
First of all, the bank 's attorney did not give me proper notice of a court date. As a result I now have a sale date. I am the trustee of my mother 's estate, and I have a cash buyer that contacted me on XX/XX/2023 about wanting to submit a cash offer for my mother 's property, and can close the transaction in 30 days. The estate of XXXX XXXX XXXX. I was told there was not anyone that could speak with me or the buyer until XX/XX/XXXX. The agent gave me conflicting information so I asked to speak with someone that could help me. 

This bank should allow me to explore every possible option until I have reached the sale date. To ignore me during this process when I have hired a real estate agent to handle this transaction for me is unfortunate. If I could do the transaction myself, I would ; but, I can't. 

I can only imagine what others are experiencing. 

Hopefully, I will be able to get a response from someone on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C. 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

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

Please update these accounts to show no late payments or remove these accounts from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: Complete Credit Solutions, Inc.
State: AL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Complete Credit Solutions {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX  Account Number # XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX, XXXX Account Number # XXXX XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no idea who or what this service is for, or why they placed a report on my TransUnion Credit Report. I had been several phone calls that when searching via XXXX the phone number on the caller ID, it indicated the below company. They, whom ever was placing the call, never left a voice message nor attempted to contact me via XXXX or Email. 


XXXX XXXX XXXX Collection/Chargeoff Other {$930.00} Status XX/XX/2022 Collection/Chargeoff Derogatory Not Reported Account Details XXXX XXXX XXXX Not Reported Individual 0 Years , 1 Months Not Reported {$930.00} Payment Details Not Reported Not Reported Not Provided Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX, MS 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 non-monetary relief
Consumer complaint received 2017-12-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-05-04
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced a property on XX/XX/2021 and the payoff was made within a few days. I am due a refund of my escrow balance which is yet to be received. 

Since the refinancing, I have received several emails telling me that my escrow account was being evaluated ... as it is this time every year ... so they are determining if my payment needs to be adjusted rather than returning my money. 

Multiple calls to the lender, SunTrust/Truist, when I can reach them, have only gotten a response about what their process is. I called yesterday, XX/XX/XXXX and was on hold until I gave up at over 49 minutes ... trying to take my granddaughters to lunch. 

I am actually on hold now and the message says the delay will be over 25 minutes ... the same message as yesterday. This level of service should not be allowed.

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