BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: RI
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 Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 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. If you wont delete the 5 late payments I want the trade line to be deleted.

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 2022-04-07
Company: EQUIFAX, INC.
State: RI
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  Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 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. If you wont delete the 5 late payments I want the trade line to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Midwest Recovery Systems
State: NJ
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:
Midwest Recovery Services added a collections account to my CR on XX/XX/20. I have never heard of this company nor do I have any outstanding debts. After some online research I've discovered that this particular company has a habit of filing inaccurate or fraudulent accounts on consumers credit reports in an attempt to scam the consumer into paying a debt that is not owed. This is fraudulent, predatory and overtly illegal activity. That is why I'm reporting them to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
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 contacted Regions on XX/XX/XXXX through the customer service line regarding a payment that will soon be withdrawing from my account. I notified the representative that I 'm worried about a payment that will hit the account soon and that it would overdraft the account. The Regions representative notified me that since the payment has n't hit the account yet, there would n't be any overdraft fees. She also notified me that if the payment does decide to hit the account, then all I have to do is make a deposit before the payment post. So late Friday XXXX XXXX, the payment for XXXX hit the account but did n't post yet. I had 4 pending transactions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and chairs that were pending but the funds were already taken out of the account leaving me with {$45.00} in available funds. When the XXXX payment hit on the XXXX, it made the account become overdrawn and XXXX XXXX and XXXX to savings posted. So I went to the branch in XXXX and spoke with a representative named XXXX. She notified me that I should n't have been charged on my account and told me that I will have to contact customer service since her branch was n't the one that opened the account. So I contacted Customer service and they were able to credit back {$18.00}, but told me to contact my local branch in Alabama to get the rest of the funds refunded. When I contacted the XXXX Alabama branch on Monday XXXX XXXX, the representative did n't honor the agreement and told me that I was misinformed by all the other representatives that I spoke with. This is really upsetting when all the other representatives are on the same page, but the branch that opened my account is n't. Now I have an overdraft fee for {$72.00} on my account that should n't be there and I feel like I was lied too.

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 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
My ex husband was awarded my credit card debts in my divorce. Due to his negligence to pay the monthly fees, it has effected my credit report negatively and dropped my score significantly. He is the responsible individual for these, not me. He has not paid on these items since taking over the debts. I do not have the finances to cover these debts like he can do. I have tried to contact these companies and they have yet to remove me as the responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have been trying to log in to make payments on the account with Acima Credit in which I have been unable to do so or the last 45 days. I knew today was the final day paying off the loan with no interest added. However I was unable to log in so I paid over the phone in which I was provided no receipt of transaction for my payments. Nor have I been receiving receipts of online transactions since I have been locked out of my account. I call waiting for a Supervisor twice in which both times I was hung up on. All I need is documentation of my transaction even if they do not want to give me access to the account online. 

Acima Credit https : //www.acima.com/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is for DITECH Financial LLC and XXXX XXXX - both equally responsible. 
Ditech was my servicer - they filed Bankrpt and mortgage assigned to XXXX XXXX XXXX ( XXXX ). Rec 'd letter XX/XX/XXXX from XXXX XXXX explaining all. With Ditech, I was on auto-pay ( $ XXXX/mth withdrawn on XXXX of month. ) I contacted Ditech - website shows auto-pay terminated XX/XX/XXXX - and I did internet chat with CS person who confirmed I. 

Letter from XXXX XXXX states " During a transfer of servicing, the bll pay service infor. w/your bank must be changed so that XXXX will receive your monthly payment. This change can only be made by you. The bill pay serv.WILL NOT make the adjustment if requested by us and they will not forward the payments '' There were 2 blank auto-pay forms included - I still have both - never auth. by mail. 

On XX/XX/XXXX get an email that they are ready to handle my account, can sign up for online serv. etc. At NO time did I sign any forms elect. or paper or any bank infrom. 

I did internet chat with CS person an they stated also that no auto-pay could be done w/out signature/bank inform. 

I sent in check for XX/XX/XXXX ( {$750.00} ) they received it on XXXX I then noticed that there was ANOTHER {$750.00} removed on XX/XX/XXXX - AUTO-PAY from LoanCare. I couldn't get into my account - nothing was set up at that time, so no access. It wasn't until I found these 2 payments XX/XX/XXXX? that I went into online and set up acct - to access my loan info - again I GAVE No permission or bank inform. 

I tried calling/emailing them - no response. I checked site and tried to cancel the auto pay but it wasn't completely set up so wouldn't let me. It said next pay due XX/XX/XXXX - showed I paid for XXXX and XXXX in XXXX so I let it go thinking issue is over. 

Today I was informed by bank that I am OD AGAIN - XXXX took out a 3rd payment XXXX claiming it's now for XXXX and I will owe again XXXX. 

I am now overdrawn a 2nd time, owe almost {$300.00} in OD fees to bank for the two episodes, my XXXX credit score is going to be trashed when they report this, I have to put all my regular bills on hold and pay them late - which costs late fees and potential rate hikes or put on high interest CCs to avoid late pays. I don't have savings or " extra cash '' laying around to cover this BS. 

What recourse do I have - I can't be the only one they have done this to - who else can I report it to? 

I have tried again to cancel the auto-pay, am betting it doesn't work and am betting they don't fix the account to show I've made 3 pay - which would mean no collecting until XXXX - and I'd bet the property it's going to take an act of XXXX to get the 3rd pay refunded and get payment for all the OD charges, late fees and interest that ' going to come out of this mess.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX I applied for a XXXX XXXX account for a medical procedure, and was approved. On XX/XX/XXXX, I was completed the approval process for the procedure only to find out in the same day that my XXXX XXXX account was frozen pending a fraud investigation. I contacted the credit bureaus and was directed to XXXX as the agency originating the problems. On XX/XX/XXXX, I contacted XXXX, spoke with XXXX. She claimed that XXXX received a dispute via mail on XX/XX/XXXX and without contacting me or notifying me, reported the account as fraud on the same day, resulting in it being closed/frozen. XXXX refused to allow me to stay with a supervisor or details regarding the dispute, such as who filed it or what it included. 

The credit reporting agencies should be required to provide documentation of disputed accounts, including copies of the original dispute. Before a dispute is finalized, the consumer should also be notified. 

Even worse, the credit report and information was sent to Experian and sent back to the company ( aka XXXX XXXX ) started that it 's a " consumer dispute '' even though I never initiated the dispute. Experian did not contact me regarding the dispute either. This should be illegal, claiming I filled a dispute when I did not.

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 2021-06-11
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I was going to refinance my house and it was appraised for $ XXXX. I decided not to do it because I wasnt sure what my long term plans were. In early XXXX I was going to sell my house and had an accepted offer of $ XXXX. We didnt go through with the sale because Covid quarantine. During quarantine I decided to stay at my house and invested about $ XXXX in home improvements. Also during this time the market increased with everyone wanted to move out of the city to XXXX XXXX. In the fall of XXXX I decided to refinance since the rates were low and I wanted to do more projects in my house. I paid {$540.00} for my appraisal and the appraisal came back at $ XXXX. I called them and told them that it was impossible that my house decreased in value since everyones houses increased during covid and I did home improvements. I was told to send them comps from my neighborhood and also news article about the housing market in my area. At this point months have gone by. Finally in early XXXX they told me that I would need a new appraisal and I said ok if they paid. They said they couldnt pay for it but would give me a credit at the closing for the amount. Again I paid the {$540.00} for the appraisal and it came back at $ XXXX which I was ok with. I looked online and there was a new application number and I was then told I had to resubmit all my documentation again. I sent new payroll information and they told me they would transfer some of the other documents. I completed everything and then I never heard from anyone again. No one responds to my emails or calls. I just want my {$1000.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
capital one is not honoring their agreement to allow me to pay {$50.00} a month and have me enrolled into their special program. My current bill reflects a minimum payment of {$630.00} that is owned by XXXX there is no way I can pay it and they continue to affect my credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX/ XXXX / {$9100.00} XXXX XXXX XXXX/ XXXX / {$440.00} XXXX CARD / XXXX / {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies.

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 2019-01-23
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I made a balance transfer in the amount of {$400.00} from XXXX XXXX and {$780.00} from XXXX XXXX into my Barclays account. These amounts never transferred but yet Im being charged interest on all the accounts! They never transferred but it showed they were transferred in the Barclays account! This was on XX/XX/18 and its still showing balances on all the account. Barclays has not done anything because they dont respond to my messages

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 2020-04-24
Company: Experian Information Solutions Inc.
State: NC
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 disputed XXXX XXXX with XXXX XXXX. I ask that they verified the information on my credit report. I have never received one letter one bill or any communication. I have tried to dispute this false  information on my credit report and Experian will not verify the information although they say they have no validation or verification has been sent to me. I sent Experian copies of the correspondence sent to XXXX XXXX and advised how could they have verified this account when no information was forwarded and the company never responded. I disputed on XX/XX/2020 with experian and in less than 24 hours Experian has stated they have verified the account as accurate and it remains on my credit report. How is this possible. Experian is not verifying any information during these investigations and leaving information that is inaccurate and false on my credit report. This has caused my file to be seriously damaged. I am not able to get credit or appropriate interest rates because of this false information on 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 explanation
Consumer complaint received 2023-03-29
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX I opened my account at the XXXX branch of Atlantic Union My account end in XXXX Routing number XXXX. My account was used by my ex finacee for a fraud. I understand that there would be an investigation for this account. The investigation has been going on for one year and 3 months. The bank has not reached out to me concerning my balance of {$57000.00} until I received a generic letter concerning a domicile account within the next 30 days. I have called and called and no return calls. I have sent a letter to the Senator office as well, I just want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. XXXX .XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX, XXXX , XXXX/XXXX, XXXX XXXX , XXXX, XXXX  XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX   XXXX 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 2019-10-10
Company: Social Finance, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Hello, I recently applied for a Parent Plus Student Loan Refi through SoFi. I  am retired and therefore have no earned income at this time. I submitted my retirement savings for income verification and was denied. I was not offered the opportunity to have a co-signer or to verify additional income. 

My complaint is regarding sex discrimination. 

My husband applied for a personal loan through SoFi a week or two prior to my application. He too is retired and submitted our combined retirement account statements as income verification. He was approved, no questions, no need for co-signer, no additional documentation needed. 

I spoke to SoFi this morning and expressed my concern for how my loan was processed and they spoke with both my husband and I on this call. They did not have a good explanation of why they could use my retirement account to verify his income, however, they could not or would not do the same for my loan. 

I am very disappointed to have been treated unfairly and with bias toward being a woman. I appreciate you looking into this situation.

Company response to consumer: Closed with explanation