BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
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: Account information incorrect

Complaint:
I recently ordered my consumer credit file from XXXX, Experian and XXXX and notice these late payments with XXXX XXXX XXXX XXXX  ACCT # XXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.

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 2018-10-17
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called NAVY Federal Credit Union customer service number to request membership as they said I was eligible for membership through my XXXX old daughter f ( as my ex-husband was retired military ( per the Navy FCU Rep ). As requested, I forwarded the requested copies of identifiable docs to start my account ( DL, car registration, etc. ). I knew I was in the market to purchase a home through Navy so until I was ready I began to have {$500.00} per check directed deposited into my new checking account. I was excited weeks ( after deposits were made to my account ) later I was officially APPROVED through Navy 's mortgage team for a 100 % home mortgage. I found the house, signed the contract, received the Navy 's approval letter, paid the seller the earnest money - and started the underwriting process. It was at the time I was instructed by Navy FCU to pay them $ {$650.00} so they could get the appraisal ordered that things went south. I paid the money to Navy, appraisal was ordered, and while waiting on the appraisal report, I was told by my Navy Load officer that she could not move forward with the loan b/c my membership was frozen and eventually CLOSED as an invalid account. I asked for at least my refund for the MONEY lost ( including appraisal fee ) since I put earnest money down and everything based on their mortgage approval letter ... I had signed a contract for a home, put earnest money down ( no refundable ) and just gave Navy {$650.00} for the appraisal and NOW they tell me after further review of my membership application, I am NO LONGER eligible for a Navy Federal membership after all. I tried to beg the Loan officer AND Manager that I am going to lose tons of money b.c THEY did not do their due diligence BEFOREHAND. I did not do anything wrong when applying as I called and spoke with a Navy Rep who completed my my application. I should at a bare minimum my appraisal fee reimbursed by Navy FCU since it is NOT my fault that they did not tell me WEEKS earlier that I was not eligible for a membership after all. Their Manager said, that they will NOT reimburse my money and also said that I am banned from being eligible for membership for Life ... Really? For Life???? What did I do to deserve that? I asked to speak with someone else to get an explanation as to why I am being treated as a criminal and they said there is no one for me to talk to ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Randomly I get overdraft fees or surprise charges.

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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 


Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverifiable Account Reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in the process of refinancing my Flagstar mortgage with XXXXXXXX XXXX and Flagstar sent the wrong payoff amount to XXXX costing me 14 days of additional interest @ {$16.00} a day for a total of {$230.00}. 

I closed my refinance loan with XXXX on t he XXXX of XXXX. On XXXX Flagstar sent the check back to me stating that the payoff amount was incorrect. I have their payoff statement and the check that was sent was for the exact amount they requested. 

I called Flagstar to inquire about why they sent me the check back and not XXXX and why the payoff amount that they sent was incorrect. The customer service agent said that an escrow payment was made after they quoted the payoff and that it is my responsibility. I agreed that I owe the additional amount, however, she could not tell me why this amount was not added to the payoff letter or why they would send it to my house and not XXXX Bank. 

I have no problem paying the additional Escrow amount, however, they should refund the additional interest due to their incorrect payoff letter. The payoff check for their payoff amount was sent to them on XXXX and it took me until XXXX to payoff my mortgage.

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: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Problems are interest fee in which it causes the credit card company to be overcharged causing my monthly payment to increase greatly.

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: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collection Services company aka " CSS '' Company erroneously attempting to collect for a creditor XXXX XXXX. They file number they sent me is XXXX XXXX XXXX I never received a service or phone from XXXX  XXXX which CCS states occurred on XX/XX/2022 CSS posted the amount of {$590.00} to the credit reporting agencies to my records CSS has sent me several demands for payment. I called CSS and told them that this claim is in error. CSS can not produce any documentation to support this claim

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: U.S. BANCORP
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The relevant time period is XXXX, XXXX, XXXXThe total amount involved is {$290.00}, all of which consists of Earned Loyalty Cash Visa Rewards, which were systematically removed from my Visa account on the basis that these earned rewards were subject to arbitrary expiration despite the extraordinary, unprecedented circumstances of Covid pandemic. We requested immediate action by U.S. Bank Cardmember Service to restore our loyalty rewards. During the period in question, travel was highly restricted by governments, that is, XXXX and XXXX. These circumstances, which were truly extenuating, were particularly problematic for my wife and myself as we spend much of our time in XXXX and we were especially vulnerable to XXXX owing to our XXXX XXXX, well into our XXXX. Under these circumstances, it was only natural and reasonable for us to be distracted by the lethal unfolding events of the unprecedented pandemic rather than focusing on arbitrary expiration dates of our earned loyalty rewards. To date Cardmember Service of U. S. Bank has rejected our request for reinstatement of our earned cash rewards on the basis that " ... this is not an option for 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 monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-18
Company: AMERIS BANCORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a XXXX XXXX XXXX XXXX, new, from XXXX XXXX XXXX in XXXX, XXXX XXXX of XXXX. I still currently have a loan with Ameris Bank, former XXXX XXXX. I moved from XXXX to XXXX  XX/XX/XXXX. I applied for a tag XXXX XX/XX/XXXX. To this day, XXXX XX/XX/XXXX, Ive yet to get word the title transferred to the XXXX XXXX XXXX XXXX XXXX so I can go get my permanent Tag. Ive called probably XXXX - XXXX times now and have gotten the run around from Ameris Bank. XXXX  normally only gives a temp tag up to 90 days. They went to 120 waiting on that title. I cant drive my vehicle. Im 100 % XXXX Veteran. The treatment and lack of action is inexcusable at this point and something needs to be done. I just want the tag so I can drive to get groceries, and medical appointments. Ive exhausted all of my options. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After receiving an unsatisfactory response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing.

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 2023-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Equifax XXXX To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$150.00} with XXXX and {$100.00} with XXXX and Equifax. Also XXXX shows a different account number. This is illegally reporting in several ways. Nothing between the XXXX credit bureaus is accurate and match up down to the late payments that should not be reporting on a charged off account because it is already late by default. But you have Equifax reporting a payment XXXXXXXX XXXX XXXX then XXXX reporting that same month as a charge off. Then in XX/XX/2023 XXXX reports that the account is 150 days late and Equifax reports 120 days late. But again there should be no late payments on a charged off account. I have included the letter from the creditor stating that what they reported is accurate and that any problems after are the fault of the bureaus. I need this removed now. This is a direct violations of my rights and illegal. You are suppose to report 100 % accuracy and this is far from that. 
Account Name XXXX Account # XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and XXXX XXXX XXXX requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: LEXISNEXIS
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:
Nexis Lexis has violated my rights under 15 usc 1681 ( a ) by going out and fishing for negative information about you is an infringement upon a consumers Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). 

Now here is the second one- 15 usc 1681b ( a ) ( 2 ) LexisNexis did not have a Permissible purpose nor did they have my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Thaxton Investment Corporation
State: SC
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:
I previously submitted a complaint against Heights finance on XX/XX/XXXX. That complaint was closed but I didnt get to address the additional inaccuracies based off response the company provided. 

The company stated that they charged off mine and my spouses loan account on XX/XX/XXXX and subsequently sent to collections with XXXXXXXX XXXX  XXXX offices who we also hve submitted a complaint on. 
Subsequently by definition means forwarded to collections after it was charged off however we have court documents dated XX/XX/XXXX filed by XXXXXXXX XXXX XXXX  on behalf of heights as the law firm. And dated on XX/XX/XXXX they submitted an affidavit for attorney fees again in that document it states Law firm for heights. 

We hve been repeatedly sued for default judgements because of the tactics XXXX XXXX XXXX uses to ensure no show appearances which we even have documented proof for that now as well. 
Heights has 2 amounts reported on credit bureaus {$940.00} and {$1500.00} for balances when charged off but court documents filed on behalf of heights by XXXX XXXX XXXX reflect different amounts. We hve actually paid this debt off but still cant get documentation from XXXX XXXX XXXX who continues to garnish and claims havent received payments from clerks office but clerks record shows paid in full. 
Since heights stated they gave cranes office account for collections but XXXX XXXX XXXX is filing and garnishing on behalf of heights which deters from the separation of the two places we require better answers and credit reports to be updated or at this point remove. We are prepared to pursue legal action at this point since continued garnishments and misinformation being provided by heights and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: GA
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 was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: NCB Management Services Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never heard of this company or their client until the debt showed up on credit report as a debt in collections. I disputed it with XXXX. Response was I owed this debt. That's it. Did not receive any proof or verification. 
I called the debt collection company several times, only went to voicemail and I never received a call back. 
I wrote a letter in XX/XX/2023 via XXXX. No reply. 
I sent a second letter via certified mail, no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
BJ credit card with capital one cancelled my credit card as I had XXXX 10 years ago. Law states only seven years. They cancelled without telling me finally after 45 minutes on phone admitted to me. I have XXXX credit score, never missed payment never late on any credit card or bank payment. I have not any any scapes with law since original XXXX ten years ago

Company response to consumer: Closed with explanation