BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX we purchased a home from an elderly couple. Recently ( XX/XX/XXXX - today ), I received a piece of mail from US Bank. Thinking it was my Visa bill I opened it only to find it was a statement for the previous owners of our house. I called US Bank and asked them to check their records and change the address on the account. The representative was very polite and said she would take care of it I received another statement, called US Bank again and was basically asked by the representative on the phone what they expected me to do about it. I suggested they conduct a universal records search to make sure all addresses for their customer are current. I told that representative that if I received another statement I was filing a formal complaint, since the privacy of their customers seems to mean little to US Bank. 

Today I received yet another statement for these people. I find this inexcusable. US Bank has the account number in question, the INCORRECT address and I would presume the correct address for their customer. This is an invasion of their customer 's privacy and I want it stopped. 

Very happy I have no account with US Bank if this is any indication of how " serious '' they are about customer privacy. 

Again, I will shred this statement.

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 2017-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX, XXXX, I opened an account at the local branch of Bank of America near my how so I could get a safety deposit box there. When I signed up for the box, I agreed to allow Bank of America to charge a {$50.00} rental fee for a small deposit box. I never received a safety deposit box and despite several requests, I still have n't received a refund of the rental fee I paid over a year ago. 

I did n't get a box right away. The teller had me return to get a key to my safety deposit box. So I returned and then it was so busy that no one could help me get access to the safety deposit box. So returned on another day and when the staff finally accompanied me to the boxes, it turned out that a ) when I tried my key on the box, it did n't work ; b ) once management retrieved their key and opened the box, we found someone else 's property inside. XXXX promised to figure out the problem and get me a security deposit box. I did n't hear anything back. 

I called and did n't receive any information. I went back to the branch and was told I 'd receive a call. I did n't receive a call. 

I returned to the branch to request a return of the {$50.00} service fee and the XXXX, who was openly rude to me, finally said he could not reverse the fee but would see to it that the fee was reversed by Monday. It was n't reversed. 

I became tired of trying to get this money back from Bank of America. I probably spent XXXX hours over the course of months showing up to the bank, waiting for a teller, explaining the situation repeatedly. Finally, I gave up.

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 2019-03-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our house insurance company has canceled our insurance policy due to nonpayment from our mortgage bank servicer. The renewal premium was due on XX/XX/2018. We submitted the renewal bill on XX/XX/2018, XX/XX/2018 and XX/XX/2018. We spoke with multiple people with both the bank and the escrow servicer multiple times as did our insurance agent. All criteria was met. Details are many and laid out on a spreadsheet to be uploaded with this complaint. This also occurred the previous year and now our insurance company won't do further business with us, we have to obtain a new insurance company, pay direct and more because of being canceled. Please see the spreadsheet and exhibits of proof for further detail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21
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: Information belongs to someone else

Complaint:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) 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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
us dept of education and XXXX XXXX is still showing my account as past due/collections/late payments even though all student loans have been deferred due to covid-19.I have disputed these items many times but they still won't correct it and it's really hurting my credit.

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 2023-01-28
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
CFPB + XXXX XXXX XXXXXXXX XXXX Equifax, This is a follow up complaint to complaint XXXX XXXX XXXXXXXX ( attached ). 

I am requesting this car loan - installment loan - I had with you : - account # XXXX - start date XX/XX/XXXX - paid off XX/XX/XXXX - {$16000.00} original balance - Always paid on time, and paid off Accurately reflect on my Equifax credit report. 

It currently shows on XXXX and XXXX- it is not showing on Equifax. 

Attached to this complaint are : - my drivers license - my social security card - my mailing address - my previous CFPB complaint- how it shows on XXXX XXXX XXXX ( with all of those account details )

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

Complaint:
n accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Exeter Finance Corp.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported a 30 late payment on my account after the car was paid off via a insurance claim. Exeter Finance claimed that the check that arrived before my payment due date went towards principal and interest when the check paid off the entire balance before my payment was past due. Exeter acknowledged this fact, but refused to remove the late status even though the payment arrived prior to the due date for XXXX. This paid the entire principal and should not have resulted in a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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 XXXX I purchase a used XXXX XXXX XXXX. XX/XX/XXXX I was involved in a vehicle accident which totaled the car. My car loan was through Capital One. Once I could I made a payment plan on the vehicle through them and paid off what my insurance couldn't cover. The insurance made two payments one for {$950.00} and another for {$16000.00}. then my payment plan started XX/XX/XXXX for {$200.00} a month. On XX/XX/XXXX I made my last payment of {$94.00} that payment wasn't due until XX/XX/XXXX and they are trying to say it was charged off so it is hurting my credit score dramatically and if this isn't resolved I've contacted my lawyer to file a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I have tried to dispute these items on my report and have not been updated at all. I have mailed letters and tried to dispute them online with no help from the bureaus. Can you please make them look into the issue in my report. I have provide my ID, Social and light bill.

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 2017-09-18
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted for a loan modification with Ditech toward the end of XX/XX/XXXX. They sent a letter to my attorney ( because I had filed for bankruptcy XX/XX/XXXX ) dated XX/XX/XXXX. I assume this letter did n't get to my attorney until a few weeks later as I did n't sign and send back info untilXX/XX/XXXX ( they were asking for paystubs and a XXXX ). I called in a few weeks after that and they stated I filled out the XXXX incorrectly. I sent back but updated XXXX on XX/XX/XXXX. My bankruptcy XXXX XX/XX/XXXX. Nothing was rcvd until XX/XX/XXXX by my attorney. It was a letter dated XX/XX/XXXX that stated they would modify but they actually increased my payment not lower it and said payment was due XX/XX/XXXX! So from XX/XX/XXXX until XX/XX/XXXX no correspondence. I have received nothing from them in the mail since the XX/XX/XXXX correspondence. According to RESPA Ditech has violated the law : 1. " a creditor must provide workout options within 45 days of a missed payment '' 2. " a creditor must notify a borrower 30 days after submission of a complete loan workout application if there 's an option to save the home '' Both of these parts of RESPA were violated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information on 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 2021-05-05
Company: EQUIFAX, 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:
I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ever since Bay Area Receivables has had collections relating to me, they have not sent me a statement or documentation regarding the debt. I end up finding out by email since they had an old email on file. I have to ask them each month for a statement and they still don't send me a statement, usually they send me an email with the account number, collection name, base principle due, interest/fees and total due. I have received one statement after sending numerous request.

I also have one account in collection that my ex-husband is responsible for and I notified them of this to be told, too bad the dentist office submitted my information as the responsible party. I was the primary parent providing housing/food/and daily necessities. My ex was court ordered to provide the insurance coverage and we split all quoted cost for services and any charges that the insurance did not cover he was also to have paid those cost. He was also to handle all discrepancies with insurance/medical office billing as he was the parent carrying the coverage and the one who received all benefit statements and documents on what the insurance did/did not cover. Making him the responsible party of medical debt. This was explained to the dentist office when we started seeing this dentist and the paperwork was completed in the manner that the staff instructed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
I disputed the validity of a debt. The company reported the debt as having been paid, when my dispute was that the debt ever existed.

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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/18 XXXX XXXX assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

XXXX has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, XXXX has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by XXXX as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO XXXX, XXXX XXXX reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score XXXX ( and within the auto and bankcard versions of FICO Score XXXX ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score XXXX was developed. 

Due to this false comment, XXXX has negatively impacted our XXXX FICO Score XXXX causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO XXXX scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

XXXX FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was checking my credit report and I saw that my score is low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for 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 2023-05-23
Company: Experian Information Solutions 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 am a victim of identity theft and have seen items on my credit report that is not mine with XXXX XXXX XXXX and XXXX XXXX XXXX. i have filed a complaint with FTC for identity theft and need these items to be blocked per 15 usc 1681c-2. they are reporting on all 3 CRA 's i have attached documents below

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 2023-01-28
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXX, L, XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$310.00}, XXXX XXXX XXXX XXXX  : {$770.00}, XXXX XXXX XXXX XXXX  XXXX : {$670.00}, XXXX XXXX XXXX  XXXX  : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: GA
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:
EQUIFAX AND XXXX  is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : 11 XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.

Company response to consumer: Closed with non-monetary relief