BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Fifth Third Bank 's procedures to close my account are unreasonably difficult and deceptive for consumers. I made a personal visit to a branch to close my checking and savings accounts back in XXXX. Though my checking account was closed, I logged in a couple of weeks later to see that my savings account was still open, with a balance of {$0.00} cents due to interest. I made 3 calls to Fifth Third telling  them I don't want the XXXX cents, and they should close my account before they charge me any fees for a low balance. They told me I have to either visit a branch ( during a pandemic ) or complete a form. Despite 3 calls and several weeks of waiting, I still don't have the form to mail in after 2.5 weeks. I believe they intentionally make it difficult to close old and unwanted accounts so that they can charge customers excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian will not delete an account ( XXXX XXXX ) that is clearly reporting incorrect information. On XX/XX/XXXX I disputed inaccurate data -XXXX XXXX account reporting as charged off when it was in fact discharged in a bankruptcy in XX/XX/XXXX ( public record appears on credit report ). Experian did not remove data. I followed up with a written request and Experian still will not remove data.

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 2021-05-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: CT
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/XXXX XXXX I sent 3 dispute letters 1 to Equifax in XXXX GA XXXX to XXXX XXXX TX and 1 XXXX XXXX and XXXX PA Over 30 days ago without a response. 
Violating the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 been a good standing client since XXXX in this bank. In XX/XX/XXXX I had to travel to another country due to extenuating circumstances. But before I left I made sure to make payment of my credit card amount and I did but, the day that I went to the bank to pay off the balance a worker in customer service asked me that my credit card was too old if I wanted another one and I said yes. But he never mentioned that the credit card number will change. So, I had an outstanding balance left on new one which was pending on my old card. When I came back I had it late payment but still I paid off the balance on new card too. But never thought it will still be recorded.

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 2020-05-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Back in XXXX of 2020 My checking account was scheduled to be closed and I was told that it was closed. i even got a check for {$8.00} which what I had left in the acct. Well now Im getting letters in the mail stating I owe money for an over draft acct which I was told was closed. When I spoke to the banker XXXX she told me it was suppose to be closed but for some reason it didn't close and i got charge {$15.00} a month for non active status and i asked her if that can be waived since i knew nothing about it. she told me its nothing she could do with the acct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a health savings account with UMB Bank. On the online portal it says it takes 2-3 days to process deposits. However, without fail, every time my deposit is made it takes 10 or more days for them to make the funds available to me. Which puts me in a financial hardship situation where I can not go see my doctor because the funds allocated to do so are not being made available to me in a timely manner. 

I have called them and complained, and when I call and complain they can magically make those funds available when you threaten to contact the CFPB. However, unless I call to complain on average it takes 10-14 days for them to make funds available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My balance is off. They made us do a loan mod. They changed terms without us knowing also charged XXXX for mod that we didnt need. They are not crediting our loan with payments made since XX/XX/2019. Insurance and taxes are said that we still owe. 
They lost our insurance money to rebuild from hurricane Irma XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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 belongs to someone else

Complaint:
Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. On XX/XX/XXXX, I have submitted a claim but did not comply with all the requests. arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Both XXXX  and Equifax refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

Equifax continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work XXXX   refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Acceptance Start Date : XX/XX/2015 Ending : {$2000.00} I disputed this account several times for Violations such as Date of last active and Inaccuracies but over and over its verified even with copies of Violations, not to mention no proof of original contract or history

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 2020-11-21
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: ND
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:
Attached is a copy of the XXXX XXXX XXXX XXXX  document dated XXXX showing my child support payments were applied to the delinquent debt owed. These payments were made to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. 

XXXX  ; Experian and XXXX - are reporting incorrectly that the following accounts are in collections - partial account numbers : XXXX ; XXXX ; XXXX ; and XXXX. I have contacted the three bureaus regarding this incorrect reporting, but have not been able to get the issue resolved. This is a violation of the Fair Credit Reporting Act and this incorrect information is hurting my credit score.

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 2019-03-06
Company: Experian Information Solutions Inc.
State: MD
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 non-monetary relief
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS 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 explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi XXXX XXXX XXXX ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-05-20
Company: Mr. Cooper Group Inc.
State: TX
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:
I paid {$2900.00} on XX/XX/XXXX and another payment of {$9800.00} on XX/XX/XXXX that were supposed to be adjusted against my principal. 

I have regularly paid all my mortgage payments i.e. {$710.00} through my bank - the mortgage servicing company confirms receipt of my regular mortgage monthly payments including for the month of XX/XX/XXXX. 

However, the mortgage servicing company - Nationstar Mortgage LLC d/b/a Mr. Cooper is ignoring the above-mentioned payments. 

After adjustment of above-mentioned two payments, the adjusted balance to be reported to credit monitoring agencies. But the mortgage servicing company is dilly-dalying and/or ignoring my request for a long period - and also harassing me with letters, although they recently stopped making unwanted/unwarranted phone-calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
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: Account information incorrect

Complaint:
On my transunion report. It shows XXXX  and it says its open and closed. Plus last account activity date has been wrongfully changed and from what i was reading isnt supposed to be done. Probably same way on 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 2019-03-11
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On or before XXXX XXXX, 2019, I signed up for the XXXX   money transfer service. On XXXX XXXX, members of my family and I tested the service by sending each other {$1.00}. The service worked fine. We all received the moneys and were able to transfer them to our bank accounts. 

On XXXX XXXX, a family member sent me {$300.00} from her bank account via XXXX. My XXXX account showed the money in my XXXX account. On XXXX XXXX I tried to transfer the XXXX money to my bank account buXXXX XXXX cancelled that transaction. 

On XXXX XXXX, XXXX emailed me saying the account had been suspended " due to recent activity that appears to be a violation of our User Agreement '' and asked for a copy of a US government issued photo ID. On XXXX XXXX, I sent XXXX a scan of my state driver 's license. 

On XXXX XXXX, I received an email ( XXXX # XXXX ) from a XXXX  account specialist XXXX XXXX telling me that " the payments you received originated from unauthorized funding sources or otherwise posed risk to our system '' and " any additional inquiries will not be answered and this case is considered closed '', but nothing more that would tell me what the problem was. XXXX XXXX also said " Please note that the funds held in your balance have been flagged for investigation and will be held for up to 180 days for loss prevention purposes ... we are unable to assist you further. '' On XXXX XXXX I sent an email to XXXX XXXX asking for details. On XXXX. XXXX, XXXX XXXX said, " XXXX has determined that the payments you received originated from unauthorized funding sources or otherwise posed risk to our system ... any additional inquiries will not be answered and this case is considered closed. '' I called up customer support at XXXX, and was told that the account specialist team that XXXX XXXX is part of could not be contacted by the support people and that support could do nothing. I asked for a supervisor. I spoke to XXXX XXXX who said she would try to contact the account specialists. She sent me an email saying she had " reached out to the account specialists ''. I have heard nothing since. 

I am in the position of having my {$300.00} being frozen by XXXX for six months with no information why and no recourse.

Company response to consumer: Closed with explanation