BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: VA
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:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2023-09-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 2021-02-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I received escrow refund for over payment of escrow in the amount of {$780.00} meaning that I overpaid on my escrow, it is customary that each year I would received an escrow analysis in on or around XX/XX/XXXX when I didnt receive the analysis I contacted Wells Fargo who stated they were working on the document and the document would be ready by the end of XXXX, a document was emailed however it was encrypted with no instructions or password to open again I contacted Wells Fargo and ask for a hard copy at that time I was told theres was no changes in the payment. in XX/XX/XXXX I received the payment and noted an increase in the amount of {$53.00} I spoke with a representative who state although there were no shortage the increase was in anticipation of next year escrow, I asked the rationale for the increase when I received an refund with an overage. I contacted the insurance company as well as local tax office both stated they could not project next year tax bill or insurance bill! So I am not sure the reason I am charge ahead when they dont know what will be coming from the escrow plus they sent a refund

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 2019-05-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Experian : I have disputed multiple times with this company to validate a claim regarding XXXX XXXX XXXX XXXX. The dispute comes back the same each time despite the fact I have no account with this company, nor have I ever had an account or contract. They are claiming money for services never rendered, nor can they prove such services. 

Months after I moved out of XXXX XXXX, apparently their client, they tried to submit a claim stating I owed them money for Air Conditioning coils. It's absolutely absurd as I have nothing to do with their maintenance of the apartment. I disputed this and Experian will not properly validate this erroneous claim by XXXX XXXX XXXX XXXX. It was taken off my XXXX report but not Experian. This has adversely affected my ability to purchase a home.

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 2020-01-17
Company: Experian Information Solutions Inc.
State: NY
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 made an inquiry about mortgage refinance online through XXXX   XXXX  and was contacted by XXXX XXXX from XXXX XXXX XXXX. After many emails from him I asked what information did he needed to move forward. He replied with some questions which I answered to the best of my ability. However he didn't asked me for my SSN and never indicated he would do a credit inquiry on my credit report. I was under the impression that with the few questions I've answered, he would be able to give me a pretty good idea of what to expect in which he did but, after he realized I was not a veteran he apologized for the confusion and said that based on my income he would not be able to assist. I questioned if perhaps a HELOC was a possibility but never got an answer. Instead I got an alert about the credit report. He never disclosed any guidelines about credit inquiry nor did he obtained my consent or permission for it. With this complaint I intend to have the credit inquiry withdrawn along with any personal information I may have provided to XXXX XXXX and XXXX XXXX XXXX and it's affiliated Companies. I've only communicated with XXXX XXXX over emails which I can forward them if needed.

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 2019-05-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an asterisk-free checking online and electronically deposited funds into the account. On XX/XX/XXXX I removed all funds in the account leaving a XXXX  balance. I called on XX/XX/XXXX to close the account. I was told the withdrawal of the funds had not fully cycled and that I would have to call back to close the account. I contacted the company on XX/XX/XXXX to close the account. The associate told me that it is " bank policy '' that based on my location that I had to come into the office to close the account. I informed the associate that given my circumstances it is less than convenient to do so and that I didn't understand how a fully virtual account opening, electronic deposit, and then electronic withdrawal would then require a physical presence to close a {$0.00} balance account after I had been fully authenticated on the call and instructed them to do so. He said simply that it was their policy. It seems unethical to require an inconvenience for customers who choose to stop doing business with them to have to physically show up at branch when all the preceding actions had all been virtual. Is it their policy to cause this inconvenience?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX account XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX account XXXX. Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items 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 2023-11-13
Company: Bull City Financial Solutions, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This alleged debt was removed and reinserted on to my credit file without notifying me by FDCPA guidelines es. They have violated my rights under title 15. Medical debts is not supposed to report on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Tribal Lending Enterprise, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan for {$1000.00} dollars on XX/XX/2021. However, the loan documents was not received until one month later. Once, I receive the document I saw that the interest rate too high but called and asking what will be my payout their told me additional {$930.00}. I told them that was too high and I will file complaint against unfair interest rate. However, I did not know this a payday loan I thought it was banking institution.

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 2022-02-07
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not received any validation documentation from United Revenue Services. A bill is not validation, I'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me. 
The credit bureaus that are reporting this inaccurate information has failed to send any communication in response to dispute letters that were sent asking for validation. Please remove from my credit report at once until this is investigated and the debt is proven to be mine. XXXX has failed to complete an investigation into the account in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: BSI Financial Holdings, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I called at least 2 times, on XX/XX/XXXX and on XX/XX/XXXX and additionally sent 2 messages through the loan portal to the mortgage servicer, BSI Financial Services, requesting the {$20.00} fee billed from XX/XX/2023 to be removed. 

Previously, multiple BSI representatives have each time confirmed that the fee will be reversed/ removed, that it was already " approved '' and that it will be a few days to see this reflected in my online portal/account. This has not been done and the charge still shows on my account as of today, XX/XX/2023. 

I have paid my mortgage payments diligently and always on time. The servicer has received a duplicate electronic payment ( 2 full mortgage payments in one month ). I have called my bank and confirmed no fee will be charged for the return of my funds and I have also called the mortgage servicer to confirm which of the payments should be reversed before initiating the request through my bank. 

It is bizarre that no requested email confirmation can be sent to me from the mortgage servicer and each interaction is more a collection service than " servicing ''. 

The request to remove the fee was ultimately verbally confirmed and it is time to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2019-05-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I tried to remove my fraud alert over the phone and even though I answered everything correct they did not remove it. They told me I needed to send in prof of my address and S.S #, so I faxed it to them. On XX/XX/XXXX I called to see if it has been removed and they said it was still there. I asked why it wasn't removed and they said they could read everything but my picture was not cleared. They asked me questions again ant i answered everything correctly, but they said they could not remove. I asked why if I answered everything correctly and they already have prof of my address and S.S # and she could not answer me. I asked them to talk to a supervisor and they would not. I had to them 6 times before she transferred the call but they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX. Has failed to delete inaccurate information from my credit report. On XXXX  XXXX it shows that I have no derogatory marks on my credit report. But on Experian it shows and XXXX that I have XXXX derogatory marks. The company sent me a letter stating that they would remove the derogatory mark. Due to lack of proof that the accounts belong to me. I have already reported XXXX multiple times for stating they would delete the derogatory marks but they NEVER honor their words. 

Ive been a victim of identity and until further notice anyone that is reporting to my credit report must have proper documentations of signatures not PDF signatures but my actual signature. That is printed on any documents. I made this clear to all the creditors.

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 2022-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or around XX/XX/XXXX, my father called USAA Federal Savings Bank to request that I be allowed to call in to USAA on his behalf to help him handle financial matters with his USAA credit card. I spoke to the representative that day and was never read any financial disclosures or told that I was being made financially responsible, as a secondary, on the credit card. I never signed anything nor gave my permission to be financially responsible. I found out months later that the representative indeed added me to the card as a secondary/cosigner. I called USAA and reported this and asked to be removed. I was told that they couldn't remove me and there was nothing they could do to reverse the action. My father passed away in XXXX of XXXX. At that point, USAA made me the primary responsible party for the credit card and the debt was transferred to me. I again called USAA to complain and seek a resolution. I was told by several representatives that my name was never on the credit card application and that they couldn't find any record of me accepting or signing my approval to be held financially responsible for the credit card. However, USAA refuses to concede and says I am responsible for the debt on the card. Their representative in XXXX committed fraud and I should not be held responsible for that. I am a wartime veteran and have been with USAA for 18 years now. I will be closing all of my accounts with them. I am seeking legal counsel.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have XXXX loans, a subsidized and an unsubsidized loan, that are serviced through Mohela. The balances of the loans are {$94000.00} and {$160000.00} respectively, with the subsidized loan having originated on XX/XX/XXXX. Previously, my loans were serviced by XXXX, but I was transferred to Mohela in XX/XX/XXXX. 

In XX/XX/XXXX, I submitted an XXXX for processing, which was completed in XX/XX/XXXX, resulting in a payment count of XXXX for both loans. However, in XX/XX/XXXX, I noticed that my counts had increased to XXXX and XXXX. To rectify the discrepancy, I immediately submitted an updated XXXX and contacted Mohela. The Mohela representative explained that the difference in counts was normal and would correct itself when the XXXX was processed. In XX/XX/XXXX, I realized my previous XXXX was incomplete and uploaded a full version. 

On XX/XX/XXXX, Mohela notified me that my counts had updated to XXXX and XXXX with the new XXXX. I contacted Mohela again to inquire about how to reconcile the counts as I was to that although they were being tracked separately, it was XXXX loan. The representative put me on hold and asked a supervisor, who requested an adjustment that would take two weeks to process. 

When I called again on XX/XX/XXXX to find out why there had been no change, the agent I spoke with a supervisor who said they could see the difference in the counts and would request a manual review, which would take an additional 30 days. During the call, it was apparent that the manual request had not been put in previously. 

During the call, I also inquired about the requirement to be employed by a nonprofit employer when discharged. I had previously explained that I might leave my employer and not work for a qualifying employer. The representative initially informed me that it was acceptable, given the XXXX waiver. Based on this information, I gave notice to my employer. However, during the call, I was informed that this was not the case, and I would not receive forgiveness if I were not still employed at discharge, regardless of reaching the threshold. 

I am now very confused and concerned because I made a decision about my employment based on incorrect information that I received. I need this addressed asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation