BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
DPT OF TREASURY XXXX XXXX XXXX XXXX, XXXX, XXXX.XXXX XXXX. PUT XXXX CHARGES THAT I PAID AT VA HOSPITAL THE DAY I GOT MED THEY HELD EACH OVER AND PUT THEM ON MY CREDIT PROFILE AFTER I HAD PAID THEM STATING PAYMENT AFTER CHARGE OFF/COLLECTION /PAID COLLECTION. I NEED MY CREDIT I HAVE. THIS IS CREATING ME PROBLEMS OF BAD CREDIT. PLEASE HELP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR {$72.00}, XXXX FOR {$56.00}. BOTH PAID BY CHECK AT VA XXXX. I NEED THESE REMOVED TO IMPROVE MY CREDIT. WHEN BILLED I PAY MY BILLS. PHONE:XXXX. I STILL AM FED LAW ENFORCEMENT OFFICER FROM XXXX. NOT AFRAID TO PUBLISH WHAT I HAVE AS ALL INFO SEEKERS ARE ACCOUNTED FOR BY XXXX, COMP ID BY THE SECURTIES I HAVE.

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 2023-01-22
Company: Shellpoint Partners, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was informed by my mortage company XXXX Newrez/Shell Point Mortage Loan XXXX XXXX ) that my payments would be increasing on XX/XX/, by {$190.00} per month because of an escrow analysis of my account and the reason was because XXXX who is my mortage insurance and my auto insurance company had sent over a request for the cost of the home insurance and later sent another request for the cost of the auto insurance as well policy # GIC XXXX XXXX both were paid But I pay XXXX {$250.00} XXXX month from a draft from my checking account for auto insurance, I tried talking to them but they say they only got the money they were supposed to have for the mortage insurance and they haung up the phone on my last call. So I asked the mortage company for proof of what they were saying and the sent me an escrow summary report and it shows that indeed XXXX did get the money just as stated and the balance for my escrow account is still in the negative. So they are getting paid twice for the auto insurance and are refuseing to refund my money back to the mortage company so that my house payment will go back down, this is the bases of my compliant but there is much more. I also think this is a violation of my XXXX to privacy for XXXX to send any information about my auto insurance to anyone including my mortage company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
AS OF XX/XX/XXXX LVNV FUNDING LLC ACCOUNT NUMBER : XXXX IS FALSELY REPORTING LATE PAYMENTS ON MY XXXX CREDIT REPORT. LVNV IS REPORTING TO XXXX THAT I WAS LATE PAYING THEM 120 DAYS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I HAVE NEVER MADE ANY PAYMENTS OR HAD ANY FINANCIAL OBLIGATION TO THIS COMPANY. I HAVE BEEN DISPUTING THIS ACCOUNT WITH XXXX FOR SOME TIME AND NO PROGRESS HAS BEEN MADE. DUE TO THESE INCORRECT LATE PAYMENTS, I HAVE BEEN DENIED CREDIT DUE TO THIS ERROR REPORTED BY LVNV. IN ADDITION, I WAS NEVER GIVEN THE RIGHT TO DISPUTE THIS ACCOUNT BEFORE IT ENDED UP ON MY CREDIT REPORT. LVNV HAS VIOLATED FCRA 15 U.S. CODE 1692e ( 10 ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I HAVE ATTACHED PROOF FOR YOUR REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am just going off memory, so my dates might be a little off. In XXXX or XXXX of 2016, I called Bank of America because I noticed a transaction on my account that I didn't authorize. I went through the dispute process and my card was supposed to be closed and a new one would be sent. Again, my CARD was supposed to be closed NOT my account, which was. About a month after I called, I called again because I had not received the new card. I was told the rep mistakenly closed my account instead of just the card. I asked if they could re-open it but was told it was too late. I was dealing with a lot of family health issues at the time and lost track of the bills that were sent and it ended up getting charged-off at over {$400.00}. Since I have been dealing with family issues for the past couple years, I haven't been focused on my credit like I should. I have been trying to rebuild and have made attempts to rectify this. They have reported on my credit report that I requested the account be closed but that is factually incorrect. I talked to Bank of America and was told it was they can't change anything they've reported because they are obligated to report information accurately ( well, they aren't doing that ). They also said that the account has been sold to a Collection 's Agency.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: PA
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 recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USCs1681B

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 2022-06-16
Company: Experian Information Solutions Inc.
State: TN
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 XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.

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 2015-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed my former mortgage with XXXX XXXX XXXX through Transunion. XXXX responded. Originally it said I had XXXX 30 day lates and XXXX 60 day late. After the dispute Transunion reported 120 days or more. XXXX says they never told them that. They both advised me to dispute it with the other, but nobody will help me. I 'm about to apply for a new mortgage and this is going to be a big impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX in the amount of {$620.00} and XXXX in the amount of {$880.00} I attempted to reach out to them to ATTENTIVELY REVIEW my format writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro to COMPLAINT reporting. FEDERAL laws dictate that any and all derogatory or potentially injured reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACts ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have revolving acct saving if My checking acct were to get below {$100.00}, they will transfer money from saving to checking so I would not be charged a {$25.00} fees. 
Wellsfargo closed my saving acct without my permission and started charging me {$25.00} fees for my checking account on monthly basis. When I called them, they claim that the offer is no longer available and was terminated by the bank.. This happen prior to 2017. 
This illegal conduct had caused me to pay {$25.00} monthly charges and caused me to pay numerous over draft.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My vehicle was repossessed after talking to them and working on my payment with them. Then they made it difficult for me to get my truck back. Then never informed me properly by Florida law that the truck was going up for auction. They say I still owe them money even after they sold my truck.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Transunion In accordance with the Fair Credit Reporting act ( XXXX XXXX account XXXX, XXXX XXXX account XXXXXXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX  XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account XXXX XXXXXXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX ), has violated my rights. 
1

5 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.

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 2022-06-16
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:
1. In accordance with the Fair Credit Reporting Act, Account name " XXXX  XXXX  '' Account # XXXX has violated my rights. -- -- -- -- - 2. In accordance with the Fair Credit Reporting Act, Account name " XXXX  XXXX XXXX  '' Account # XXXX has violated my rights. -- -- -- -- - 3. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- 4. In accordance with the Fair Credit Reporting Act, Account name " XXXX/XXXX  '' Account # XXXX has violated my rights. -- -- -- -- 5. In accordance with the Fair Credit Reporting Act, Account name " XXXX XXXX XXXX '' Account # XXXX has violated my rights. -- -- -- -- 15 U.S.C 1681 section 602 A. States I have the right to privacy. -- -- -- - 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Automatic Data Processing, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My income tax check was deposited into an account connected with the ADP My Wisely payroll card. It was deposited on XX/XX/XXXX and has not been put on my card as of this day. I've been calling and searching to no end on where it may be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquires listed below 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 2023-08-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to file a formal complaint against Chase Bank for closing all of my accounts without providing an adequate explanation or a fair chance to discuss the disputed transactions, and for discriminating against me based on my XXXX. I have been a customer in good standing for over 2 years, and I feel that the way I've been treated is unacceptable and possibly illegal. 

I have been forthcoming with Chase about my XXXX  condition, a fact which they have on record. I took their advice to dispute certain transactions that seemed unclear to me. Chase informed me that they would reach out for further discussion on these disputed transactions ; however, they failed to do so. Instead, they simply closed all of my accounts, citing " unusual activity '' as the sole reason. 

Closing my accounts has caused significant hardship. Not only has this affected my financial planning, but it has also prevented me from accessing funds, leading to delays in bill payments and causing unnecessary stress. 

I am deeply concerned that I have been discriminated against due to my XXXX, as my account was closed without just cause and without any prior discussion to clarify the disputed transactions, despite promises to do so. 

I am asking the CFPB to investigate this matter and take appropriate action against Chase Bank for their improper conduct. I kindly request that my accounts be reinstated, and that Chase take measures to prevent such discriminatory actions in the future. 

Enclosed are copies of any relevant documentation that supports my case. I am willing to provide any additional information upon request. 

Thank you for your prompt attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: EQUIFAX, INC.
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:
XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX This inquiry does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.

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 2021-05-30
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX This inquiry does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: SYNCHRONY FINANCIAL
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:
SYNCB/PPC- PAY PAL I contacted XX/XX/XXXX to dispute remarks on my account. They replied back the information is accurate and would remain on my account. I closed the account last year because it was an online card not a physical card. The lender agreed to close the account as long as I paid the minimum balance monthly. I have done exactly what I agreed to. They fraudulently reported that they closed the account. I closed the account willfully and they never sent me any documentation stating that Id be penalized for closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
NFCU was given a IRS form 1099A, 1099C, 1096 and 1040V, to discharge debt of Promissory Note. NFCU transferred my Promissory Note to a Loan. NFCU branch mgr XXXX, knowingly and admitted to not filing, and will not file. The branch mgr also has my security agreement then closed my checking acct. I am looking to file discrimination charges, along with unethical banking practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In early XX/XX/XXXX I received a bonus offer for {$550.00} from Fifth Third bank with a unique offer code. The offer required me to wait XXXX if I had a previous account with Fifth Third bank in order to qualify. The account I had with Fifth Third bank was previously closed on XXXX XXXX XXXX, so to meet the time requirement I had to wait until after that date in order to qualify. 

On XXXX XXXX XXXX having met the XXXX requirement I opened a new checking account in order to qualify for the {$550.00} bonus offer. The time difference between XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXXs excluding the end date, or XXXX XXXX XXXX days excluding the end date. 

I signed up for the bonus offer and a document titled " {$550.00} with {$3000.00} XXXX Checking Offer '' was created during the signup process. In order to qualify for the bonus I was required to " make direct deposits totaling {$3000.00} or more within 90 days of account opening ''. 

Fifth Third bank defines a direct deposit as follows : " A qualifying Direct Deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension, or government payments ( such as Social Security ). '' I made XXXX XXXX deposits as stated on the qualification requirements in excess of {$3000.00} each time. Since the deposit requirement states " may include '' it does not define that deposits had to originate exclusively from those sources. The cash bonus was to be deposited to my checking account within XXXX business days after making the {$3000.00} XXXX deposits. 

Fifth Third bank failed to post the bonus as stated on the terms. I contacted my personal banker XXXX, and I informed him about not getting the bonus in the time specified. XXXX stated that he was going on vacation and would have someone else look into this matter. That person never followed up on this issue. 

When XXXX returned from vacation he called to update me on this matter. This time XXXX requested the documentation I received for the bonus offer. I emailed that information to XXXX. A week goes by, and I call XXXX for a status update, and someone else answers the phone informing me that XXXX no longer works at Fifth Third bank. That person stated that someone else would contact me. I have yet to hear back from anyone regarding this matter. I feel like I'm getting the run around and that this matter is not being addressed.

Company response to consumer: Closed with explanation