BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist bank my mortgage company who also holds my escrow funds. They have not paid my property taxes for the year. My taxes are late and I have penalties of over a XXXXXXXX XXXX because if theyre neglect. I went to bank in XXXX to talk to bank manager they told me to talk to settlement company which was incorrect. I talk to XXXX XXXX tax collector, he stated the tax bill was sent electronically to Truist bank and they are responsible for the late payments and property taxes being unpaid. I call Truist bank on XX/XX/XXXX and XX/XX/2022. They told me my they received tax bill and dont know why they were not paid. They said they will do a 15 day investigation. My taxes are unpaid and late fees are piling up.

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 2022-07-29
Company: EQUIFAX, INC.
State: MD
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 would like to dispute a collection account. The account is listed on my XXXX, XXXX, and EquiFax credit reports as XXXX. 

I've already asked XXXX, XXXX, and EquiFax to verify the accuracy of the information on my credit report. Upon looking at my updated credit report, I can see that there are still many inaccuracies being reported, even after each bureau 's independent investigation. 

Here are the specific INACCURACIES ( proof is attached ) : Account Number : XXXX : XXXX XXXX : XXXX Equifax : XXXX Date Of Last Activity XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Opened XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date : XXXX : XX/XX/XXXX XXXX : Not Listed Equifax : Not Listed Balance Owed : XXXX : {$320.00} XXXX : {$0.00} Equifax : {$320.00} Also, please note the 7 year history in the attachment. XXXX and XXXX are reporting ZERO 30 day late payments and ZERO 60 day late payments, while Equifax is reporting 1 30 day late and 1 60 day late. XXXX is reporting ZERO 90 day late payments while XXXX is reporting 4 and Equifax is reporting 15!

According to the FCRA, all information on consumer credit reports must be accurate. The information on this account is NOT being reported accurately, as it does not remain consistent across reports. 

Therefore, XXXX, EquiFax, and XXXX are all in violation of FCRA, and they are violating my consumer rights by continuing to report inaccurate information on my credit report and failing to properly investigate the accuracy of my credit report. 

I want the XXXX XXXX  account removed from my XXXX credit report, XXXX credit report, and Equifax credit report immediately, per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX credit card and XXXX  XXXX or unauthorized credit on my credit line

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 2022-09-26
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:
EXPERIAN has broking the law. EXPERIAN assumed this role I never gave them permission in the first place to have my private information that's identity theft. EXPERIAN is not exercising their grave reasponabilty to insure me the consumer has fairness, impartiality and respect to the consumers privacy .EXPERIAN violated 15 usc 1681e ( A ) ( B ) ( C ) ( D ) They continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. EXPERIAN violated my consumer right to privacy pursuant to 15 usc 1681b2 EXPRIAN has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX ( LATE PAYMENT ) and XXXX XXXX CHILD SUPPORT ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payments removed immediately.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: HI
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  ( XXXX XXXX XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished 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 2022-08-23
Company: Upgrade, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Company closed my checking account on XX/XX/2022 and have not given me a written reason as to why and they have not allowed me to retrieve my funds from the account. I have emailed and called multiple times and only reason they can give me is " they are working on it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: AK
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 was a victim of the XXXX data breach of 2017. and the Alaska XXXX fund dividend data breach that happened on XX/XX/XXXX because both XXXX and the Alaska XXXX fund dividend failed to keep my info safe my identity was stolon. 
the following accounts on my credit report are not mine XXXX XXXX XXXX account number # XXXX {$8800.00} XXXX XXXX XXXX acct # XXXX {$4000.00} XXXXXXXX XXXX  Acct # XXXX {$870.00} XXXX Acct # XXXX {$510.00} XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX {$3900.00XXXX XXXX XXXXXXXX XXXX Acct # XXXX {$8200.00} XXXX XXXX Acct # XXXX {$860.00} XXXX Acct # XXXX {$6200.00} XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$2600.00} XXXX Acct XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX # XXXXXXXX {$20.00} XXXXXXXX XXXX  acct # XXXXXXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX {$2000.00} XXXX FEDERAL XXXX XXXX acct # XXXX credit inquiry that are not mine XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX i have filed a police report and ftc report as well

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 2022-12-06
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I worked with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ), XXXX XXXX send M & T Bank a total of {$71000.00} to being my account up to date and for me to continue making payment. XXXX M & T Bank only credited my account {$70000.00} which makes its short {$770.00}. I already tried correcting this with M & T bank and all they tell me is that I have to call XXXX XXXX. XXXX XXXX sent me a receipt that they paid {$71000.00}, however M & T bank is refusing to properly credit my account. I have spent numerous hours in the phone with M & T Bank and they dont do anything, the representative seem to lack knowledge and all they tell me is they cant do anything. My case has been escalated numerous time, but nothing results of it Im so frustrated that I dont know what to do. I need your help. Im tired of dealing with M & T Bank, they are the worst.

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 2022-08-23
Company: Block, Inc.
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 filed a disputed it was denied about 2 days later, I immediately requested a copy of the documents used to come to that decision, that was about a month ago they are refusing to give me the documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I got a car loan from US Bank and my payment got delayed since I was suffering from XXXX complications for the last few months. I had this XXXX complications since I work at a XXXX XXXX and I have to XXXX XXXX XXXX with XXXX 
Also I tried to setup automatic bill pay from US bank web site and keep getting error online banking is not available at this time ( attached is the snapshot ) and along with XXXX complications and long wait time to get hold of US bank customer care I missed a payment. I kindly request that US bank waived the late payment as a courtesy and the US bank web site allow me to set up an online bill pay to avoid late fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Convergent Resources, Inc.
State: OH
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:
Company is unable to provide proof of ownership They have lacked to provide Original signed contract Original balance Payment history Address, phone number, all there information is incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: AES/PHEAA
State: CO
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:
Fedloan is reporting late payments on my report but i was in forbearance it litterally goes from nothing being reported to being 120 days past due or even 90. and they are not being reported correclty if i was in forebearnce how could i have late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been getting phone calls at all hours of the day from different numbers that don't even leave voicemails. They left one once and since I didn't answer they've started calling from different numbers at least 3 times a day or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Chrysalis Holdings LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/22 refinanced our home with NewDay mortgage. Loan number XXXX. 
I was under the impression- no points were to be charged??? but alas they charged us 2 % Points=XXXX dollars. 

2nd. Home inspector did not tell us we had mold, water standing in our crawl space under the house when they inspected. I am aa XXXX vet- I can not crawl under the house. 
Please, we are XXXX yrs. old we're too trusting-need help. 
Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX 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 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/2022

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 2022-12-07
Company: Experian Information Solutions 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/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX BANK XXXX Date Opened XX/XX/2015 Balance {$440.00}.

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 2022-08-23
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:
By the provisions of the Fair Credit Reporting Act, I am submitting thid CFPB complaint addressed to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. I need the Following accounts updated and or corrected immediately : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-02-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a wells fargo checking account on XX/XX/ 2023 through online. 
while I was opening the account, wells fargo asked to put the minimum deposit to open an account. so I made {$100.00} transfer to wells fargo account # XXXX from my XXXX account # XXXX. On my XXXXXXXX XXXX statement, {$100.00} was transfered to wellsfargo on XX/XX/XXXX. 
on the same day, I fount out there is no branch near me so I wanted to close the wells fargo account I just opened. 

{$100.00} already transferred to wells fargo account from XXXX. I spoke to XXXX and they said {$100.00} already left out of their hands and settled to wells fargo. 

I talked to the agent in wells fargo and they never received {$100.00}. 

Because I closed the account on the same day I made transfer, but that transactions was not cancelled and I need {$100.00} back to my XXXX account. The agent who closed my account did not do the right action.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2021 I have been writing to Transunion as I have called them from some accounts on my credit that are not mine. I do not receive letters from Transunion about what happened and the accounts are still on credit and are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: I.C. System, 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 XXXX account # XXXX, XXXX, XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. 

Attached highlighted in yellow is inaccurate information on 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 non-monetary relief