BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez LLC was my mortgage servicer as of XX/XX/XXXX. On XXXX XXXX, XXXX, NewRez made a payment of {$3700.00} to XXXX County, Maryland by mistake for the property tax, where the property was located in XXXX XXXX County, Maryland. Since XXXX XXXX, I have requested NewRez to request refund from XXXX XXXX and pay to the XXXX XXXX county for the past due property tax. But NewRez failed to do that. Because the property was made to the wrong county, the property tax due to the right county was past due and penalty was occurred. As of XX/XX/XXXX, the refund was not requested by them and past due property was not paid. On XX/XX/XXXX, I paid off the loan with NewRez. Since the loan was paid off, NewRez told me that I have to pay the past due property tax myself. As for the penalty, I have requested them to pay. But as of XX/XX/XXXX, they did not pay anything and the penalty will be increased if not paid timely. I have called, emailed and mailed to them more than ten times for this issue and very frustrated for their action and efforts. 

FYI, the payment was made to the wrong county two times. I have informed them the wrong payment in XXXX XXXX and they did not make the correction, which cause the second wrong payment in XXXX XXXX. Also, I informed that the annual escrow analysis is wrong and increased monthly payment ( more than {$400.00} ) need to be adjusted to the right amount. But they fail to do that. I over-paid amount to the escrow account, but they did not pay me any interest for the over-paid amount, which caused by their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello I am having an issue with XXXX TransUnion and XXXX. Please note that I have three accounts reporting as negative on my credit report one XXXX XXXXXXXX is reporting as an installment and it is not an installment account please remove this from my credit report immediately. The next two which is XXXX and XXXX funding is in clear violation of 15usc 1681e-d. Time and time again I have sent numerous letters and these accounts will blatantly ignore me. The first time they did not notate the account I have been sending letters since XXXX of 2021 they just notated the account about a month ago which is a clear violation of the Fair Credit reporting Act. I ask that these two accounts be removed from my credit report immediately. I will also be filing a complaint with the FTC because this is being ignored with numerous attempts to resolve. The companies have also failed to provide the authorized agreements creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX or XXXX funding. That means I have no contractual agreement to pay then an alleged 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 non-monetary relief
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: GA
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:
I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good Afternoon, On XX/XX/XXXX my Experian credit score was XXXX. On XX/XX/XXXX it dropped to XXXX. It states the reason is I was late for 60 days. One, that makes no sense because I would have taken a 30 day hit on the prior report. I have a 66 page credit report and have spoken to Experian.com and there is nothing that has ever been late. They are telling me the only way to fix this is to call and pay a credit person since all the accounts are in good standing. How can this be legal? They can just drop my score so I have to hire and pay someone? If they can find out what is supposedly late, why can't I? Both of my other credit reports are XXXX to XXXX. How do I fix this illegal issue? Please help? 

Payment history rating : VERY GOOD 1Late Payments 30+ Days Number of your accounts that were ever 30 or more days late, or have a derogatory indicator A reported missed payment or derogatory indicator which indicates that an account has not been paid as agreed. Authorized user accounts aren't considered in the calculation of this attribute. About XXXX XXXX  of FICO High Achievers have no missed payments at all. 


0Collections 1Late Payments 60+ Days Number of your accounts that were ever 60 or more days late, or have a derogatory indicator A reported missed payment or derogatory indicator which indicates that an account has not been paid as agreed. Authorized user accounts aren't considered in the calculation of this attribute. Virtually no FICO High Achievers have a 60 days late payment or worse listed on their credit report. 


0Derogatory Public Records XXXX XXXX Accounts Always Paid as Agreed UnknownTime Since Most Recent Late Payment Thanks, 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 2023-10-13
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, 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 demand to remove and block these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX and Equifax Bureaus are obliged to do so to any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my last letter & I am including it again. Also, the information you provided on these inquiries is UNKNOWN to me and the inquiry was REMOVED from other bureaus and I have doubts about the accuracy youre showing in my credit report. Remove these fraudulent inquiries from my credit reports, as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This am XX/XX/23 at XXXX I received a notice via email from PayPal confirming an order for a XXXX XXXX XXXX Worth {$690.00}. I DID NOT MAKE THIS PURCHASE! I tried calling PayPal and they wanted me to use an app that would allow them to see all of my information. I told them to cancel the order immediately!!! 
PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXXXXXX XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2022-01-26
Company: Experian Information Solutions Inc.
State: GA
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a new checking account at my local branch, who stated that I was eligible for a a promotion by opening up a new checking account and closing my old one. I did this. I met all the criteria to obtain the promotion within the time frame. They said allow 60 days. I did that, plus some. I have made XXXX phone calls, all 8 calls have given me a representative or banker, who have given me either lies OR false promises as to when the promotional funds would be available. When I wasnt getting anywhere with customer service, I called the local branch, explained what was going on. They asked that I give them a couple of days and theyd get back to me. The bank manager called me back and stated she never entered a promotional code on my account and basically called me a liar. This was the branch in XXXX Ohio at the XXXX. I have spoke to at least 8 bankers and a different manager, who have stated that the promotional code was entered and I did qualify. Last week was my last call to customer service, they were to call me back on Thursday or Friday last week, nothing. I deserve the promotional funds I was promised because I met all the criteria. I asked to speak to a supervisor or corporate and they will NOT put in contact with anyone there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: GA
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit at the bank 's ATM on Friday XX/XX/XXXX at about XXXX at the XXXX XXXX branch in XXXX . I deposited a check for {$8.00} and a money order for {$15.00}. The check was posted on my account but the money order was not. The ATM did not give me a receipt for the deposit even though I asked. When I call the bank they just put me on hold. I would like credit for the {$15.00} money order that I deposited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern : Experian is reporting inaccurate information on credit report and will not remove the inaccurate information. XXXX ( dispute report number ) date dispute file is XX/XX/2017. Public Record showing bankruptcy filed with US BKPT CT VA XXXX. I contacted the the XXXX XXXX CT VA XXXX for verification of this dept.The court stated they cant verify this debt. Also the amount is showing bankruptcy file for XXXX $ who files bankruptcy owing XXXX $ in debt..No one!! I ask that this public record be deleted from my credit file immediately!! Under the FCRA information on your credit file must be accurate and verifiable from the source. US BKPT CT VA XXXX did not verify this debt to be true and accurate therefore it should be removed. The reporting source is reporting inaccurate information. Please remove this information immediately. Also this reporting violates the CDIA new public record reporting standards effective XXXX XXXX, 2017. Thanks 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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2019-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 while on vacation to XXXX XXXX  XXXX, myself and three relatives ate a late lunch at XXXX XXXX, XXXX XXXX location. After receiving the check and putting my CapitalOne credit card in the restaurant 's check holder, I went to the ladies room. When I returned after a long wait in line for the ladies room, I saw that my party was gone and rushed off to join them outside. I forgot to check the table for my paid receipt and to retrieve my Capital One credit card. 

I became aware that I did not have my credit card within a day or two and immediately reported it to Capital One. I went over the XX/XX/XXXX fradulent charges with Capital One as they let me know the charges they had received. All charges on XX/XX/XXXX with one charge of {$17.00} from XX/XX/XXXX are fradulent totaling {$1400.00}. Capital One XXXX # : XXXX credit card ending in XXXX ( I do not know entire # since care stolen ). 

I did not file a Police Report since I felt assured that CapitalOne would not require that I pay for charges I did not make. I received a letter from Capital One stating that their investigation was done and that they found the charges to not be fraudulent ( attached ). 

I made a call to Capital One and was connected to the Supervisor over their Fraud Department, XXXX ( who refused to give his last name ). I told him that all charges from XX/XX/XXXX were fraudulent, that I did not have my card as of XX/XX/XXXX when it was stolen. He said he was as high up in the company that I can go, and there is nothing more that can be done. I asked to speak with the CEO. He said he would report my complaint, but would not give me the CEO 's his/her name, saying I could look it up on the internet. I found XXXX XXXX | Capital One | Email XXXX CFO. and have copied him on this letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had car insurance with progressive saying that I had the car insurance in XX/XX/2022 and didn't pay the coverage in the amount {$350.00} When I didn't owe them any money due to me switching that month and started my new car insurance. XX/XX/2022 I was covered by XXXX XXXX  at that time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Suntrust ( now Truist ) abolished all checking account types and imposed new ones ( much higher minimum deposits ) as soon as the merger with a large North Carolina bank was approved more than a year ago. It also added a raft of new hidden fees, which I specifically asked about but was assured there were none. 

The most galling is a {$5.00} a month charge simply because I download account information from the bank to XXXX. This was provided free for decades under the SunTrust banner. And suddenly became an exhorbitant monthly fee when I was forced into a new type of checking account post merger. I complained and was told " Oh, that had been waived previously but since you have a new type of account ( which I had no control over ) we are charging you now. '' This is beyond outrageous for something that is totally automated, had been automated for decades and requires no human intervention or effort on the part of the bank. 

Yet another hidden fee concerns simply writing more than 5 checks ( which includes autopay accounts involving no checks and ATM withdrawlas -- ANY withdrawal ) per month. Also did not exist previously. 

In essence, simply using a bank as a bank now incurs fees, even if you maintain minimun deposits and meet minimum auto deposit criteria. 

Please stop these abusive practices ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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