BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX ) XXXX US DEPT ED XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property loan was sold to Statebridge company, so they became the new loan servicer. I didn't know they were the new loan servicer until my credit report dropped 100 points because they reported me over 90 days late. They had never sent me anything, and I had been making regular payments to the previous loan servicer. So far, they have charged me a late fee and ruined my credit even though its their fault. When I make a payment online to them it is rejected but I don't know why. I have also just received a notice from my insurance company that my homeowners insurance has been cancelled for lack of payment because Statebridge didn't pay it. When I called Statebridge I was told they didn't know they were supposed to pay it even through I pay into an escrow account every month for it. I had to pay it myself to reinstate my insurance. I think they are intentionally not sending out correspondence, not sending out statements, and intentionally not paying insurance, to rack up fees and foreclosures. I have contacted them by phone or email but still have not had a satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Creditor : 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 2020-09-02
Company: Experian Information Solutions Inc.
State: TX
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 have filed a dispute with Experian, XXXX, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on Experian, XXXX, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that Experian, XXXX, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report 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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received several emails from Synchrony Bank on XX/XX/19 regarding trial deposits & action required on your application ; I had not opened a new account with them so I was suspicious. I logged into my account & was able to do so but the account balances would not load ( just kept cycling " loading '' ). My co-worker has an account with them as well & the same thing is happening with her account. 

I called the main number ( XXXX ) but received an automated message saying call back during business hours ( it was during business hours ). 

I also called the credit card side of the company & was told those emails were sent out " by mistake '' but could not get any additional information.

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 2021-07-26
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Multiple MasterCard credit cards received in the mail from Venmo that I didnt apply to. I requested Venmo provide me with information on wether or not this is a glitch in their system or if it truly appears there is criminal activity. Venmo did not respond. They did close the credit card accounts but that is it. I received twelve credit cards with different account numbers on them. All with the same name except one has a different name. At no point did I ever applying for the Venmo Credit Card, nor did I authorize them or XXXX XXXX to share my Venmo account and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
State: IL
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 first sent letters on XXXX XXXX, 2016, letters attached and Return Receipts, to XXXX and XXXX XXXX, after checking my Experian credit report and noticing XXXX and XXXX making an inquiry into my Experian credit report, asking why but never received any responses from them. Made numerous phone calls also and they can not remove it due to " ME '' allowing them to run it but clearly told them I never ever applied for anything from their companies. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to XXXX 's and XXXX 's alleged purpose for doing so since I did not apply for credit with their companies. This inquiries were performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I then sent a letter to Experian, letter attached, and did not also receive any responses from them. Then I made a phone call to them and Experian told me they can not do anything about these inquiries and that I would have to contact XXXX and XXXX, which I did numerous times, and still these inquiries are on my Experian credit report. What do I do now? I am very confused as all three parties are not doing anything about deleting this unauthorized inquiry.

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 2017-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I 've had an absurdly high interest rate of 24 percent on my 2 cards from this company. The only offer I 've received is for 19.9 percent variable apr for a 7 month period. I have not missed a payment on any payments on my overall credit for 3 years! My credit score is bordering on good at XXXX. I would love to pay more than the minimum payment each month but this outrageously high and unjust apr is making decreasing my balance a unfair challenge. Please assist me in this matter. Thank you kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a {$1400.00} check from my school on XX/XX/XXXX. The bank made {$220.00} immediately available after the deposit and claimed the rest would be available the following Business Day. I went to a store and made a purchase then took a cab home. A couple hours after I got home the bank withdrew all of the {$220.00} plus the money I had in my account before the check was deposited sending me into overdraft. The bank then said after me calling them 10 times that I had been lied to and it was 7 Days because of the check amount. They're trying to refer to the United States Federal Reserve 's Expedited Funds Availability Act of XXXX amended in XXXX to clarify wording. The act states the check most be not less than {$5000.00}, the issuing bank must declare doubtful collectability and notification of such provided, balance of account low or overdrawn, new account ( Mines a year old ), check is posted, or the check is 6 months old or older. None of those apply so they are subject to a maximum of a two day hold under the act not 7.

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 2020-08-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We bank with SunTrust. recently there was fraud in our account. two large deposits showed up and the money was moved around within our 3 accounts, and then sent out of our account, all without our knowledge. This morning we learned the bank subsequently declared the deposits to be suspect and froze our accounts containing all of our money. My payroll was direct-deposited today, and they are refusing me access to it as well. I have talked with their fraud people and the are unwilling to release my payroll funds. Unfortunately it is too late for my employer to cancel the direct deposit transaction. I can understand shutting down the accounts, but my payroll has nothing to do with fraudulent deposits made into my account by someone else. SunTrust is refusing to release these funds, even into a new account. We desperately need help as this has created a dire situation. 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 2022-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: AMERIS BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Notified XX/XX/2020 by Ameris Bank that our account was delinquent. We responded that payment was sent and check was cashed by the bank and was not late. We sent he information verifying the check had been cashed by Ameris. We continued to recieve delinquent notices and our account was handed over the the collections department and our credit score negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am reporting a few things. I found numerous fraudulent transactions by either a fake company or companies that was able to obtain my routing number and account number from Chase and be able to run {$20.00} ACH transactions. 

I was only able to pull 24 months of reporting from today XX/XX/XXXX and found weekly deductions of {$20.00}. 

I was able to research from XX/XX/XXXX - XX/XX/XXXX and found eight companies charging me as follow : 1 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX WEB ID : XXXX ( 11 transactions, {$20.00} each, total {$220.00} ) 2 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 3 transactions, {$20.00} each, total {$60.00} ) 3 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 3 transactions, {$20.00} each, total {$60.00} ) 4 ) XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 1 transaction, {$20.00} each, total {$20.00} ) 5 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX WEB ID : XXXX ( 2 transactions, {$20.00} each, total {$40.00} ) 6 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 5 transactions, {$20.00}, total {$100.00} ) 7 ) XX/XX/XXXX - XX/XX/XXXX : XXXX  PAYMENT PPD ID : XXXX ( 2 transactions, {$20.00} each, total {$40.00} ) 8 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX WEB ID : XXXX ( 15 transactions, {$20.00} each, {$300.00} ) That's {$840.00} stolen from in the past 2 years and it could be more going back further if I could go back further. 

I was only able to dispute {$200.00} the charges to Chase due to their 60 days window policy to be able to return fraudulent activities. 

I am terribly disappointed in myself and disturbed Chase was not able to identify this as fraudulent activities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX, I filed a dispute with TransUnion regarding a federal tax lien being reported. Their system would not allow me to upload documentation, so I had to mail it in, which I also did on XX/XX/XXXX. OnXX/XX/XXXX at XXXX XXXX, I called TransUnion and spoke to XXXX informing him that I could n't upload my documentation, that I mailed it, and I requested that it be noted in my file so that a decision would not be made until they receive the documentation. Today,XX/XX/XXXX, I received the results of the investigation, which was " updated. '' I called TransUnion this evening only to speak to a young lady in which it was very difficult to understand what she was saying. She kept telling me that it was updated and correct. So the end result was that TransUnion made a decision on my dispute without my documentation. According to the XXXX XXXX XXXX XXXX ( XXXX ) rule of XX/XX/XXXX, " the CRA will remove any public record, judgements, and liens that do not have all the required information. '' My Notice of Tax Lien, dated XX/XX/XXXX from XXXX XXXX County Circuit Court.  displays a redacted Social Security Number and " no '' date of birth. Based on XXXX rules, I am disputing the federal tax lien that is reporting on my TransUnion report and request it be deleted accordingly.

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 2017-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a bonus offer from Bank of America to open an account and they would give {$300.00} bonus if {$4000.00} was paid in dd 's over a 90 day period. I opened the account online using the bonus code from their correspondence and I followed the terms needed to receive the bonus. I called Bank of America and they said I was n't signed up for the bonus. When I joined bank of America a message came on the screen saying eligible for the bonus ... during the steps of opening the account. The only reason for opening an account with this bank was for the offer they gave me. I made a complaint to BOA but have n't received a call and nothing has been done to honor this bonus.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: TX
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  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 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 2022-06-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have inquirys i did not make if they can prove them they can leave them after they prove i made them XXXX XXXX XXXXt XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX are all fraudelent

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