BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX. XXXX XXXX AUTO XXXX Account # XXXX, XXXX. XXXX XXXX XXXX  Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-06-10
Company: EQUIFAX, INC.
State: GA
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, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I wrote to U.S. Bank ( formerly XXXX XXXX  ) to ascertain whether my deceased husband, XXXX XXXX XXXX, had any safe deposit boxes or accounts with their bank. I sent U.S. Bank 's Legal Department my Letters of Office as Administrator of the Estate of XXXX XXXX XXXX, Deceased, in XXXX County Probate Court, XXXX XXXX XXXX as well as the Certified Death Certificate. Ms. XXXX XXXX of U.S. Bank Omnichannel Customer Service responded on XX/XX/XXXX, never stating that U.S. did or did not have an account in my deceased husband 's name, but requesting that I provide them with a " valid account number '' in order to process my request. My husband 's social security number is on his death certificate, and I told Ms. XXXX that this is the United States of America and that accounts are not tracked in the U.S. by account number only, as in a XXXX XXXX   account, and that she could locate any account for my husband by his name as he was the ony XXXX XXXX XXXX in the State of Illinois and likely in the country. I called U.S. Bank 's 800 number and was told they would file a report with their " Life Events Department '' who would be in touch with me. By taking me in circles, I believe U.S. Bank may have released the contents of my husband 's safe deposit box or accounts to someone else who was not entitled to it, i.e., possibly his daughter, XXXX XXXX, who is co-heir with me to her father 's estate. I need straight answers from U.S. Bank rather than being taken in circles with them requesting a valid account number. They never said, " We do not have an account at all for XXXX XXXX XXXX ''. I have provided the proper documentation and could provide a subpoena for their records if necessary through my Probate Attorneys, but I have spent thousands already in legal fees and only want a bona fide answer as to whether U.S. Bank has accounts or safe deposit boxes in my husband 's name.

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 2018-12-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I requeated to be put into a income based repayment program in my annual renewal for this type of loan. It was brought to my attention that there was a particular plan that would lower my oayments based on my income, and that it would require me to prove my annual income by uploading a pay stub to probe my annual income. In the course of doing so I was told that my loan would be put in forebearance while getting this done. I was later informed that because all of my information was not on one page that I would need to resubmit to prove it was actually my income information. I didnt have a computer at the time, and my company, XXXX did not report the income info in a way that could be screen shotted to upload as a single page tying my name at the top with the rest of my screen shot of subsequent reporting. I attempted to upload it again. And again was told it eas not adequate. I finally printed it out and screen shotted it on one page and reuploaded at work were I had access to a printer and comouter so I could format it in an acceotabke way. As my second forebearance was running out I called in and was told that the upload team was unable to upload my document, even though I received a message when it had uploaded, like the previous multiple uploads, that it had uploaded successfully. So I uploaded it again while on a call with Ed Financial. Same way. Same document. This time I was told I would need to take out another forebearance to cover more time needed to process the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: DC
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 called Equifax today at XXXX because the current address listed on my recently obtained credit report was wrong. The representative I spoke to was located in the XXXX. I have not consented to having my credit information shared with call centers outside of the United States. I'm concerned about how my personal information and privacy is protected in third countries with weak contract enforcement and weak rule of law. This is especially true given the XXXX data breach that exposed the personal information of 147 million people. Equifax also could not tell me which credit company incorrectly reported to it in XX/XX/XXXX an address I lived at 8 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
allegedly i did not paid for insurance, i was never cover never send me anything to dispute and never prove to me anything i do not owe anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I was contacted by XXXX XXXX XXXX, a collection agency representing TD Auto finance, regarding a debt owed. After several conversations with a representative at XXXX I was able to come to resolution that would satisfy the debt in full. On XX/XX/XXXX I paid the agreed upon amount of {$5000.00} and received correspondence from XXXX indicating the debt had been satisfied however TD Auto finance is still actively collecting on this debt. I have attempted to contact TD Auto finance but I am being referred back to XXXX as two entities can not collect on the same debt. XXXX is unable to assist me as they show the debt as paid in full. I am requesting relief/assistance from the CFPB as I no longer owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019 my card was charged 4X the amount approved for a purchase. I immediately contacted the selling company and cancelled my order PRIOR to the charge posting to my account. The next day I saw the pending charge for 4 times the actual amount. I immediately contacted American Express serve and was told they couldn't do anything until it posted. The next day I contacted them and told them it was a fraudulent charge and I was unable to receive a response from the merchant. They weren't answering the phone or fb messages or emails. I have 5 emails of proof that I cancelled this order immediately I have NEVER received any product and amex REFUSES to credit my account. As a XXXX   XXXX {$92.00} goes a LONG ways to feed my kids. Amex serve has done MANY other sketchy things with regards to holding funds that weren't theirs .... holding direct deposits etc. I want my money refunded and this account CLOSED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: OH
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:
I have ask over and over for Experian XXXX disput thru letter to Investigated and Re-investigated XXXX XXXX I so as well keep ask XXXX XXXX thru letter to provided me proof of this alleged items specifically the Original contract, note orinstrument bearing my signature and both Experian and XXXX XXXX both fail to provide proof of any documents to me I'm aware section 609 requires them to provide me with a contract bearing my signature. Failing that the item must be deleted from the report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed a bankruptcy on my experian credit profile that is not mine. They are saying they verified it with both the courthouse and XXXX XXXX and I even provided them with proof that they did no such thing. The last time I disputed this I got a notification that they received it and they verified it at the same time. So clearly they did not even do an investigatin at all. Please help me remove this from 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 2018-12-02
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
There is an issue with Synchrony Bank, this bank practices ethics that hurt consumers. On my credit report I have five Synchrony Bank account cards that have been closed by the creditor. These credit card accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX and Care Credit. Every one of these accounts closed by Synchrony bank have never been late. Still Synchrony Bank has closed all five of these accounts and hurt my credit scores. Instead of having credit cards with longer timeframes and more credit to improve my scores. Synchrony continues to drive down my credit scores for no valid reason. My wife was diagnosed with XXXX and we had alot of medical bills while reduced to one income for a long time. However we paid every bill and never filed bankruptcy. We have been working hard to rebuild our credit but Synchrony Bank continues to set us back over and over again. Synchrony Bank needs to answer for every one of these accounts. 

Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank XXXX XXXX - Opened XX/XX/XXXX Synchrony Bank Care Credit - XX/XX/XXXX Every one of these account never late and never missed a payment. I want answer from Synchrony Bank as to why they take this action to hurt us consumers. I want action taken against Synchrony Bank for this inappropiate conduct. My credit scores would b 80 points higher if not for consistent closure of credit accounts by Synchrony. This bank needs to be heavily fined or it must correct its mistakes for closing my accounts. Please take the appropiate action against this company.

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 2022-01-25
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - We received an Escrow overage check dated XX/XX/XXXX from Caliber Home Loans for {$2600.00}, leaving a {$1100.00} Escrow Balance, resulting in an escrow shortage to pay XXXX taxes & insurance. Taxes & Insurance are estimated ( as shown on statement ) to be {$3500.00} for XXXX. After leaving the shortage in our escrow account by sending us the overage check, they then raised our mortgage payment by adjusting the escrow payment from {$290.00} to {$290.00} ( raising our monthly mortgage payment from {$1100.00} to {$1100.00} ), which to me seems completely unethical! Also, this raise in monthly payment will still leave our escrow account short to pay taxes & insurance. I spoke w/Caliber Loan Rep who stated they would still pay the taxes & insurance if there was a shortage, to which I replied, then you would raise our mortgage again after you do an analysis and find there was the shortage! They are basically scamming by shorting our escrow account for tax/insurance payment, and then turning around and raising our mortgage payment again!! We had enough escrow to cover taxes & insurance before they sent us the overage. This seems totally unacceptable, unethical and a total scam. They are getting more interest each time they raise our mortgage payment so I believe this is the reason they are doing this. I could understand if they sent us a check for an overage, but leaving enough in escrow to pay for taxes & insurance, not a shortage and then turn around and raise our mortgage payment due to the shortage THEY caused!! They also told me that if we put the money back into escrow, it would not bring our mortgage back down to what it was originally. This is COMPLETELY UNETHICAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
CapitalOne will not request the title from CA even though I have a buyer lined up to purchase the vehicle. They will only request the title if you are changing the name or the state of the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I open an account with this CC back in XXXX and have been on time with my monthly payment till I closed my account in XXXX. I recently shopping for tires online and the website that I going to buy those tires offer finance and its the same CC but I was denied even if I have been on time paying my bills with the same CC company. This just prove that Credit history is really not important

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 2018-12-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo sold its checking and saving business in four states ( XXXX in my case ) to XXXX XXXX. I initially setup this checking and saving account when I was living in XXXX, but I moved out of XXXX  8 years ago. Now because of their business deal, my checking and saving accounts at Wells Fargo were closed on XXXX XXXX of 2018, and new checking and saving accounts are created at XXXX XXXX. The problem is, I have been living in XXXX XXXX for many years, and XXXX has my current address in their system for years. The consequence of this conversion is that, I don ; t have a bank to go to because there is no local XXXX XXXX in my state. I have to create an new checking and saving account at my local Wells Fargo bank and setup all the direct deposit and bill pay. 

This significantly affected my ability to receive salary and pay bills on time. I believe this is very unfair to me and Wells Fargo should ask for my permission firstly because I don ; t have a local XXXX XXXX in my state.

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