BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: CA
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 dont have any knowledge about the accounts stated below.My personal information has been compromised. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: U.S. BANCORP
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was told the executive office would reach out to me. They have not. When they do it will be by mail I was told. Underwriting told me to apply for another credit card. According to the letter I received I requested reissue of new cards. No, I did not. I requested my card remain open. 
They will not cancel my request to withdraw my closure request. The reasons I was given are not clear. Too many accounts opened in a short time? Which accounts? My leased car? I do not understand why my account was audited if all my payments since XXXX 2016 were more than the minimum. This credit card company gave me no warning. The clerk did not transfer me to a supervisor to discuss options. On XXXX my credit score went up from one they gave me in XXXX. 
No one in this company has an address or phone number for the corporate office.

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 2018-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 we received a letter stating that our XX/XX/XXXX payment had not arrived. Upon checking with our bank, we learned that our payment HAD been sent as scheduled. When we contacted Bank of American on XX/XX/XXXX, we learned that our payment amount had increased on XX/XX/XXXX due to an updated escrow analysis. We were told that we should have received a letter in XX/XX/XXXX letting us know but we did not receive this letter. We had not received any communication from Bank of America via phone, email or mail that our payment amount had increased. 

Although our regular payment amount had been received by Bank of America for XX/XX/XXXX, Bank of America did not post this payment to our account. 

Upon learning of this payment discrepancy on XX/XX/XXXX, I immediately requested a copy of the escrow analysis and paid the difference in my original payment amount and new payment amount in good faith pending my review of the escrow analysis. Despite this posting error on Bank of America 's part, Bank of America reported my account as past due in XX/XX/XXXX and XX/XX/XXXX. I have disputed this reporting with XXXX, XXXX, and XXXX, but Bank of America continues to state that this was reported accurately. Additionally, I contacted Bank of American on XX/XX/XXXX to request that they update their reporting to the credit agencies but they have refused to do so. 

Attached is the payment history from XXXX XXXX XXXX XXXX indicating that my payments were sent on time as usual as well as the account history from Bank of America showing that they received my payment on time but failed to post the payment to my account. My Bank of America account activity also shows that the amount submitted for XX/XX/XXXX and XX/XX/XXXX were consistent with the preceding months.

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-25
Company: EdFinancial Services
State: FL
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 received multiple calls from EdFinancial and they never left any message or sent me any written correspondence regarding the reason for the phone calls. They called me on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. 

I did speak to a representative on XX/XX/22 and they informed me they received my IDR application ( I recertified my income as I've been on IDR plans for awhile now ) and suggested I ask them to cancel my application to keep my payment lower. I was hesitant, but was assured that my recertification wasn't due until next year because of the president 's student loan pause. I received written correspondence that we discussed canceling my IDR application. I have no way of seeing what repayment plans I'm on or recertification due dates in EdFinancial 's portal. I'm completely in the dark it's totally unacceptable. 

I now show a payment due, but never received a statement. I have included a screen shot of the balance claimed that I owe, the fact that there are zero statements available, and all document received in my inbox to date. I shouldn't have a payment due. The president extended relief. Furthermore, how would I have known since I wasn't provided with the minimum appropriate documentation? I just happened to login. 

I believe I'm deliberately being provided with false and misleading information by EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We help our daughter and her family financially because she has a XXXX and her husband is unemployed. We live XXXX miles from her and we bank at XXXX different banks. For some time I had been getting cash from my bank and depositing into a local branch of her bank. In XXXX that came to an end when her bank told me that they could only accept {$500.00} cash. The rest would have to be in the form of a cashier 's check and it would be available in my daughter 's account after XXXX the day of deposit. This seemed to work. Then in XXXX unbeknownst to me and my daughter a deposited cashier 's check was held for several days resulting in her rent check bouncing and overdraft fees being instituted. I inquired at the local branch of her bank where the check was deposited. They had not put a hold on the funds. They said that her branch must have. They explained that individual branches can decide to put a hold. I was never told this before. They also said that any cashier 's check over {$5000.00} could be held. I had never been told this before. They said a branch can hold funds if the account has any history of overdrafts. This seems like a self-fulfilling prophecy. When XXXX families are doing everything they can to keep funds in our daughter 's account it seems like the bank is mugging us when they put a hold on funds in the form of a cashier 's check from a reputable bank. They are also capitalizing on this situation by assessing overdraft fees. This is completely unfair. It serves to further destroy morale of people who are already struggling to stay alive in this economy. Respectfully.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXXCard # : XXXX XXXXHello, My name is XXXX XXXX and I am writing as a very disgruntled card holder of your bank. 
On or about XXXX XXXX. 2015, I submitted through my Online Bill payment system, a payment in the amount f : {$67.00}. This check was apparently sent to your bank and received, and cashed on XXXX XXXX, 2015. But the funds never made their way to my Credit Card account as a payment received. 
I am not satisfied with this action, because your bank played a role in proactively making sure my payment was late and never posted. I had to send in additional funds to cover the minimum balance due at that time. As a customer with ALL XXXX Credit Cards that your bank offers, this really makes me think in a negative light about the actions and day to day activities at your bank. 
Not only could you look up my name and address on the front of the check - it even lists my credit card account number. Yet, the money still has not been posted to my XXXX XXXX account. 
The actions of your company has caused such a strain between me and the customer service team at my bank. You also caused continuous stress on me and your own customer service agents due to the fact that I CONTINUALLY CALLED AND AGITATED YOUR AGENTS ABOUT A PAYMENT THAT THEY TOLD ME I DID NOT MAKE. I know I am not mentally ill and I have the proof of such a payment. 
I 'm not sure who you have working for your company in accounts receivable, but they should to be replaced ASAP! Where is the money? 
I demand to be financially compensated for this shoddy error on your behalf. I would like the payment of : {$67.00} credited to my XXXX XXXX XXXX account immediately. I also would like an additional adjustment/credit made to my account for the exact amount of : {$67.00}, or I am requesting a Credit Limit Increase made to all of my XXXX/First National bank accounts immediately. 

Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted Experian multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Experian have not removed this information from my credit file to date. Experian is reporting a Public Record filed XXXX/XXXX/2016. According to the Courts, they did not supply information to Experian for the incorrect data that they are reporting on my credit file. I need your assistance in getting this matter resolved and removed from my credit file.

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 2016-02-23
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ON XX/XX/XXXX I DISPUTED AND ACCOUNT WITH XXXX AN ACCOUNT FROM RENT RECOVERY SOLUTIONS Account name RENT RECOVERY SOLUTIONS XXXX, GA XXXX XXXX Address identification number XXXX Account number XXXX Recent balance {$1300.00} as of XX/XX/XXXX Status Collection account. 
{$1300.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX RENT RECOVERY SOLUTIONS WAS NOT ABLE TO VERIFY THIS ACCOUNT AND DELETED IT FROM XXXX AND LAST WEEK ON WEDNESDAY XX/XX/XXXX IT CAME TO MY ATTENTION THAT RENT RECOVERY SOLUTIONS ONLY DELTED THE ACCOUNT FROM XXXX BUT CONTINUED TO REPORT THIS ACCOUNT TO XXXX AND XXXX I CONTACTED RENT RECOVERY SOLUTIONS ON WEDNESDAY XX/XX/XXXX AND INQUIRED ABOUT ACCOUNT NUMBER XXXX THEY COULD NOT FIND SUCH ACCOUNT I SENT A REQUEST FOR DELETION TO XXXX ON THAT SAME DAY ( please attached document ) AND ON SUNDAY I WAS ABLE TO AXCESS THE DISPUTE PAGE FOR XXXX AND ALSO SENT A REQUEST FOR DELETION OF ACCOUNT XXXX XXXX RESPONDED IN LESS THAN 24 HOURS WITH A RESOLUTION AND DELETED THE ACCOUNT FROM MY CREDIT FILE THAT STILL LEAVES XXXX RENT RECOVERY SOLUTIONS IS NOT ONLY REPORTING AN UNVERIFIED ACCOUNT BUT ALSO AN ACCOUNT THAT IS WAY PAST THE STATUE OF LIMITAIONS ACCORDING TO THEIR OWN RECORDS RENT RECOVERY SOLUTIONS SHOULD BE REMINDED THAT REPORTING UNVERIFIED INFORMATION AND OR ACOUNTS PAST THE STATUE OF LIMITATIONS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681 et seq AND THAT SUCH VIOLATIONS MAY CARRY PENALTIES THIS UNVERIFIED AND PAST THE STATUE OF LIMITATIONS ACCOUNT IS NOT ONLY HURTIN MY CREDIT SCORE BUT IS ALSO DELAYING MY CLOSING ON A MORTGAGE LET BE KNOW THAT THE DAMAGES OF THEIR NEGLIGENCE BY CONTINUING TO REPORT THIS UNVERIFIED ACCOUNT COULD BE SUBSTANTIAL AND LEGAL ACTION MAY TAKE PLACE I AM INCLUDING DOCUMENTATION THAT SUPPORTS MY CLAIM THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I added my husband as an authorized user on my XXXX rewards card. He is not a signer on the card. I just found out They are reporting it to the credit bureau. I called them and they refuse to remove or change it going forward and insist that they are allowed to do this. My husband signed a form to be added as an authorized user and nowhere on that form does it state that they would report it to his credit. I am the only card holder/signer. This should not be on his credit!

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 2016-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This complaint is against XXXX XXXX XXXX XXXX XXXX, who practices in XXXX XXXX XXXX XXXX XXXX m XXXX, CA XXXX ( XXXX ) XXXX for falsely reporting for non payment of fees for an appointment that I did not schedule I called the doctor for an appointment of re-unification therapy with my daughter. Before we hanged up, i said, I will call back to confirm after I talk to my employer to see if I can get time off work. I was unable to get time off and hence did not call the doctor to indicate that I was coming as I had told him earlier. Even though I told him that I will call to confirm if I was coming, he still is charging me unfairly for the appointment that I did not attend and also incorrectly reporting to the credit agency to tamper my credit score. I request you to please see if you can help as my rights are compromised incorrectly as it has affected my credit report.

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 2016-05-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative XXXX in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either XXXX of them I paid {$150.00} for each bkpt the house in XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM XXXX. In XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello -- My mortgage was bought by US Bank who have, until recently, a policy of collecting the mortgage due for a month up to 5 calendar days from the beginning of the month for which the payment is to be made ( my account details with US Bank can be made available to relevant CFPB personnel on request ). They recently changed their policy stating that even if the payment is made within the first 5 calendar days of the month for which the payment is due, they will collect an " online payment fee '' of {$5.00} if it 's made after the XXXX calendar day of the month. I paid my XXXX 2016 payment by XXXX XXXX and they charged me this {$5.00} online payment fee. 

This was a major change, as most customers have been : 1 ) accustomed to paying within the first XXXX calendar days without incurring any fees, 2 ) was not adequately communicated to us and 3 ) when I called their customer care number they were unwilling to consider any of my points and just insisted that they had informed me by putting this somewhere on their website. I would submit that such major changes should be : 1 ) adequately communicated, specifically with emails or prominent alerts as soon as XXXX logs into one 's online mortgage account and 2 ) banks should be willing to return the amount if this has not been adequately communicated. I concede the amount is small, but after the whole mortgage servicing mess, XXXX, the banks seem to have still not learnt any lessons, and keep on nickling and diming their customers out of all sorts of fees for very little-to-no work. 

I would request the CFPB to look into the possibility of the bank refunding me this amount, on principle. and ask them, in the future, to announce such major changes prominently on their website or through their communications with their clients. 

Many thanks, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I went to pay my payment for my line of credit mortgage loan. I talked to the teller and XXXX XXXX, branch manager. They were not able to give me any details of my payment that I was paying. XXXX said that he only can see that I owe {$380.00}. I asked about my right to see details. All he can see the amount due, He also said that I have to pay late fees to remain current. No other information is available at the branch. 
This is so upsetting that one can not see what we are paying on. XXXX said that I have to reaffirm the account in order to see anything. He did offer a amort schedule, but have to order and it takes XXXX days to get it. How can one see what they are paying on. 
Earlier I called the XXXX. no one can see the account under my ssn but I had to have the accout number of XXXX. They were not able to help me to get information since this is a bankrupt acct and must reaffirm inoder to see or get help. 
This is just absolute loan fraud, discrimmination and mistreatment of customer. How can I see what I am paying. I told XXXX that I am getting screwed by US Bank since I am not see details. XXXX and his branch is totally powerless to help, all they do is take money. Customer service ca n't help either. US bank needs to investigated for loan payment practices, change terms, amounts of how they can charge. I am not able to get any information of the loan amount changes, rate and terms. One may have to default since this is viewed as loan fraud. Please investigate US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation