BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: NV
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:
I submitted a dispute to all 3 credit bureaus ( Experian, XX/XX/XXXXand XX/XX/XXXX XXXX on XXXX. I have not received a response from Experian about these disputes and therefore I filed a complaint through the CFPB against Experian for not responding to my request for a reinvestigation. This complaint was filed on XXXX. Unfortunately, my Federal Rights are still being violated as I write this ... Experian has truly failed to respond to my requests. I will now be filing a formal complaint with the FTC against Experian due to their negligence and flagrant disregard of their duty. I am truly disappointed with Experian 's behavior and I am appalled that during such a time as this that they would be allowed to willfully violate my rights and not process my reinvestigation. They told me in their response : " We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free '' So if I am telling Experian that information in my report is not complete or accurate or is not a valid claim and Experian says that they are supposed to investigate a claim if the claim is provided by the consumer ( which is me ) then why is Experian not doing what they said they are required to do? This is truly what America has come to ... big corporations being able to pick and choose who they help and who they don't regardless of the Federal Laws that are set in place to help protect the us.

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 2023-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am filing this complaint because Experian has ignored MULTIPLE requests to provide me with the documents that their company has on file that was used to verify the accounts I disputed. On XX/XX/2020, XX/XX/2020, XX/XX/2020 I have submitted complaints against Experian about the failure to reinvestigate my dispute. The response Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. This is to confirm that this is sent directly by me. 
Being that they have gone past the 45day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are REQUIRED to ... promptly delete all information which can not be verified. that I have disputed. Please resolve this manner as soon as possible. Thank you. 
Once again this this complaint is being sent directly by me.

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: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent XXXX XXXX XXXX a debt validation request asking for complete documentation to verify that I owed the alleged debt and had a legal obligation to pay. Their response was a few pages of billing statements that contained no identifying information. My name, address, phone number, banking information, etc. was not listed on any of the documents. Furthermore, they failed to provide me with the agreement with the creditor that they are authorized to collect the alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement, proof that the Statute of Limitations has not expired, proof that they are authorized to collect the alleged debt in my state, along with license numbers and Registered Agent. These are all things I am entitled to in conformance with my rights under the Fair Debt Collection Practices Act. 

I provided XXXX XXXX XXXX 30 days from receipt of the debt validation request to provide me with the requested information.The validation request very clearly states that non-compliance with my request would be construed as an absolute waiver of all claims to enforce the alleged debt against me and all instances related to this account must be immediately deleted and completely removed from my credit file. 

The original creditor in this matter is XXXX, which apparently is a phone company. I've provided documents from my phone provider, XXXX, with whom I've been a customer for several years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The amount in questions has been paid. Charge created from a Tenant. In accordance with the fair credit reporting act, the list of accounts below has violated my federal protective. Consumer rights to privacy and confidentiality under 15 USC 1681. Account name ( s ) : XXXX XXXX XXXXXXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 US C1681, section 604 A Section 2 : States a consumer reporting agency, can not furnish the account with them out 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 notice some inquiries on my report that I did not authorize. Here are the list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-04
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX uses dishonest and misleading language to describe the status of payments made against outstanding balances on their in-store red card. I have experienced this problem on several occasions, most recently regarding a payment today, XX/XX/XXXX that, according to XXXX, posted to my red card, meaning that the money was taken from my registered checking account by XXXX and used to pay down my balance. When I verify this information online using the my red card service, the payment in question is listed as posted along with the transaction number. It is not listed as pending, and the amount of the payment has been deducted from my outstanding balance on the card. 

However, no money has been removed from the checking account that I registered at XXXX. This is the one and only method that I authorized XXXX to use to conduct this transaction.

As a consumer, I rely on accurate and timely information regarding my transactions. I do not appreciate XXXX representing a transaction being completed, which is what I can only reasonably assume they mean when they say, posted, when this is ostensibly untrue because no funds have been removed from my checking account. I dont understand what the issue is here because its a simple matter of changing their language to make it accurate instead of misleading. My guess is that they keep it this way so that people are more likely to XXXX up and overdraw on their checking account balances, like I have several times in the past because of this very issue. But, I cant be sure. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan documents show tax payments due in XX/XX/XXXX and XX/XX/XXXX. The current servicer, Wells Fargo Home Mortgage, has changed the XX/XX/XXXX tax payment to XX/XX/XXXX ( though there is no difference in when it is due ) in their escrow analysis and now claims that the escrow has a deficiency. My tax and insurance obligation have changed by less than {$30.00} per year from when the loan was made, but Wells Fargo Home Mortgage is now claiming an escrow deficiency of over {$400.00}. It is clear by making the calculations that this is due solely to their changing accounting methods and using XX/XX/XXXX instead of XX/XX/XXXX for the tax payment date despite there having been no change in when it is due from the time the loan was let. Wells Fargo Home Mortgage ( who are not the original servicer ) claims that they can not make a tax payment by XXXX XXXX without accounting for it as a XX/XX/XXXX payment, but XXXX XXXX XXXX, the original servicer, had no problem doing so, as evidenced by the original loan documents. I do n't believe Wells Fargo Home Mortgage is allowed to change the accounting method without notice, and that notice would have been due within 60 days of the change in servicer, and was never given. I complained to Wells Fargo Home Mortgage by phone, and after review they have indicated they will not change their escrow analysis.

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 2020-12-01
Company: CITIZENS FINANCIAL GROUP, 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XX/XX/XXXX, CITIZENS BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Yesterday, XX/XX/2020 I tried to pay my mortgage for XX/XX/2020 online. The website had changed and now won't let me log in until I put in a 6 digit code that they allege was sent to my email. I have never received that code from them, despite trying multiple times to log in. There is no " retry sending code '' button. It just never arrives. I tried calling their hotline, XXXX, but they have said 6 times now that there are no operators to help. I called at XXXX, XXXX, and XXXX yesterday, and XXXX, XXXX, and XXXX today. Each time I call the automatic operator says that no one is there to help me and to call back. They won't even put me on a waiting list or give me a call back option. It literally hangs up on me. I can't seem to speak to a human about this issue with the website. I can excuse the code not sending, although it's annoying, but they should have operators available. I'll wait an hour if I have to, but they won't even let me wait. 

I think I have to mail them a check which I do not trust. Also, there is a fee to pay over the phone. 

Name of the company is Cross Country mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
BOA case # XXXX I last used my BOA debit card at the XXXX XXXX, XXXX XXXX, CA BOA ATM on XX/XX/XXXX. After that transaction, someone withdrew XXXX dollars in theXX/XX/XXXXarea ( unauthorized withdraw 3 times : {$900.00} each on the following dates : XX/XX/2015, and XXXX ) while I had possession of my card the entire time. I discovered this on the afternoon of the XXXX and immediately called BOA to file a claim but wasn't able to reach BOA claim department due to high call traffic. So I filed the claim on the morning of the XXXX as well as filing a police report on the XXXX at XXXX XXXX Police station ( Report # XXXX XXXX. Upon filing the claim with BOA, the representative told me he suspected this as card skimming fraud and I would receive the provisional credit and additional documents in the mail to fill out within 10 days. However, I haven't received the documents nor did I receive the provisional credit but only a letter stating my case had been closed without stating any reason on XXXX, which was written on the XXXX. Obviously, BOA did not do a proper investigation, if any, within a day. Please help to file this complaint against BOA as they have not been cooperative. 
Thank 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 explanation
Consumer complaint received 2022-07-10
Company: Rocket Mortgage, LLC
State: CA
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:
My mortgage was transferred from Rocket to XXXX XXXX for service in XXXX of 2022. No communication was made to me to let me know about this. 

Rocket Mortgage and XXXX XXXX neglected to share with each other my contact information and made no attempts to contact me and let me know my payments would no longer be made to Rocket via auto pay. 

XXXX XXXX did not have my phone number, email, or correct mailing address. They stated that none of that was provided by Rocket Mortgage. Attached is my completed profile on Rocket showing all contact information needed. XXXX XXXX did not make any attempts to contact me within XXXX days of transfer. 

While XXXX XXXX made no effort to contact me by phone, email or mail, they did take the time to report my mortgage payments as late even though I had no way to know they were now my servicing company. 

XXXX XXXX reported my mortgage as past due and late over not receiving payments. I was unable to send payments as I did not know my mortgage was transferred and that auto payments sent to Rocket had been terminated by Rocket. 

Upon becoming aware of this issue, only by my credit reporting service. I looked up who made the negative report and confirmed it. Paid the account immediately to be up to date and set up automatic payments. 

Rocket Mortgage and XXXX XXXX collectively failed to supply each other with my contact information then chose to damage my credit when I can not make payments to them anymore as I am not informed of the changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The frost branch in XXXX, TX called me to my personal cell phone and left a voicemail by representative XXXX. In her voicemail she stated she was calling me to follow up on a bank account I supposedly opened. I searched for the official Frost banking website and called their toll number. The toll number operator searched my physical address and stated an account did not exist with my physical address. He did confirm there was a rep by the name of XXXX in the XXXX, TX branch. He suggested I contact the branch. I then contacted the XXXX branch and was transferred to speak with XXXX. I told her I did not authorize a bank account to be opened but she asked me for my social security number so the account opening process would not follow through. I told her that I did not feel comfortable providing my social security information over the phone. Days later, I received a notice stating an account had been opened with my information without my consent. Frost bank violated the Fair Credit Reporting Act by opening an account without my permission I never provided any PII, identity documents or signed any papers allowing for authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Block, Inc.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday XX/XX/XXXX, my account was placed under review and I was relieved when it was released and returned to normal status XXXX days later on the following Sunday. 

Again that week, however, my account was once again 'held ' and under review. I know that the funds in my account may seem insignificant to a large company like Square, but for a small business, these funds are essential to pay the bills. This has caused repeated disruption to my business, leading to the delay of payroll last week. I pay a substantial amount for Square 's payment processing services and the system is great, yet this situation can not continue.

My account continues to be placed on hold, and then released over the past week, this is happening repeatedly, sometimes several times a day. I have been trying to sort this out with the Squares Account Services team but have been unable to reach a resolution as of today 's date. The manager I talked to in the Customer Success team mentioned that based on the behaviour it appeared that it was a 'bug ' in their system.

Therefore, I am asking for an immediate resolution from the Square team. If this is not resolved, I will be forced to take other action. In my conversation with a Square Account Services employee, I verified all the information as requested, and then was told it would be another 3-5 business days for me to even hear back from the investigation. How does Square expect a small business to operate when its account is constantly placed on hold?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: IN
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 explanation
Consumer complaint received 2023-01-29
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone from XXXX XXXX is illegally reporting a debt owed that I was never contacted about, never had any knowledge of. Wakefield and Associates placed a debt into collections on my account on XX/XX/22. For a total of {$3000.00}. I was only recently made aware of this when I looked my credit score up this month. I have no knowledge of the original creditor company. Looking online says its a known scam company. I never received anything about owing anyone money. Nor have I ever owed/ paid them any money. This debt is not real. Wakefield and Associates is trying to scam money from me with the help from whoever hired them to fake it

Company response to consumer: Closed with explanation