BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: FCI Lender Services Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FCI is a company that services mortgages and payments on real estate loans. We received an unjustified late fee in XX/XX/2022 because the automatic payment we set up from our bank account was set to an initial monthly payment amount, that based on the nature of the loan, was going to quickly increase to a new amount. This is because the loan package to purchase a house also included a renovation loan to repair the house. The terms of the loan included an increase in the monthly payment when we applied for partial payments, or draws, on the renovation loan. This increase in the monthly payment was entirely forseeable due to the terms of the loan. We set up an autopayment on the original monthly payment amount, which worked for the XX/XX/2022 payment. As soon as we applied for the first draw in XXXX, the monthly payment increased. However, the setting of FCI 's autopayment from our bank was set on the fixed initial amount, not an automatic floating amount to cover changed monthly payments. The autopayment would not take the new amount from our bank, which FCI blamed on us, making a hostile phone call and sending late payment letters. We had to call an FCI representative and pay the missed payment and a {$74.00} late charge individually, and were told we had to wait until that payment cleared before we could toggle the settings in our online account to make the monthly autopayment automatic to cover a flexible amount, rather than a fixed single account. Our belief is that FCI clearly sets loan payments this way to ensure that everyone runs into this problem, and misses a payment when their monthly loan payment increases due to the activation of draws on their renovation loan, to enable FCI to levy a late fee that is entirely their fault. The solution - FCI changing the default setting on their loan payments from fixed to automatic - is so simple and easy that it is clear that having the default payment setting on fixed is company policy to cause loan customer autopayments to fail, allowing FCI to extract a late charge- on every loan with a renovation package. We have already requested and received a refund, but we assume many other loan customers are being mistreated. Please compel the company to change their policy and enforce whatever laws they have violated.

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 2020-04-16
Company: EQUIFAX, 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:
XXXX  removed 3 accounts from my credit report, I would also like for XXXX  to do the same since the accounts were proven not to be mine. XXXX  did an investigation and the result came back with a removal of the accounts. 

The three accounts are : XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY. 

XXXX XXXX XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY All three of these accounts were removed by XXXX  from my credit report. Please investigate and remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I opened a Checking and Savings Account online with Truist. Later that day I funded the accounts ( in excess of {$40000.00} ) by making deposits at my local branch with XXXX 's Checks from my previous bank. On XX/XX/2022 I visited the branch because I had not received my debit card and I needed to make a withdrawal. I was told that my account had been closed and that I was unable to withdraw my funds. After several hours at the branch I was told to leave and that I would be called with and explanation an when I could have my funds returned to me. On XX/XX/2022, I received a call from Truist and was told that I could come pick up my funds on XX/XX/2022. On XX/XX/2022 I went to the branch to pick up my funds but I was again sent away and told that I would not be able to receive any of my funds and again I was told that they didn't know when they could reopen the account long enough to withdraw my money. I have been denied access to my money with no explanation and no definitive answer of when I will get my funds. I need your help. I have no other funds available to me and do not know what else I can do.

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 2022-06-21
Company: EQUIFAX, INC.
State: OR
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:
They refuse to correct, and or remove erroneous reporting accounts on my consumer report, despite my several attempts to get them to do so. An account on my report is actually reporting twice, and yet has different payment histories, and activity dates. The do not report a closing date for one account, and yet have the the second duplicate account as C/O this year which should have been resolved in XXXX. I have disputed with them by certified XXXX  mail, on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, and XX/XX/XXXX ; and each time, they outright ignore my disputes, or send back the generic, " This account has been verified '' message. When I ask for their " method of verification '' as detailed in FCRA section 611, they still will not forward me the information of specifically with whom they spoke and such, or communicated with to verify these erroneous accounts, so that I can personally follow up on their reporting. Ironically, this erroneously reporting account was just removed from my XXXX XXXX report because if the same erroneous issues, and will be removed from my XXXX report soon. I have also sent this clear evidence of this incongruent and erroneous reporting to Equifax, and they still refuse to conduct a proper investigation, and or remove this account. This account is costing me money, from higher interest rates, as well as outright denials for certain business opportunities, unjustly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account starting XXXX {$680.00} from XXXX XXXX XXXX has been disputed and removed several times due to lack of verification. The just keep reporting it over and over. I am also taking legal action. Im tired of this! They report It then I dispute it then gets removed and then put back on the next day? How is this possible? With all three CRAs. This is definitely harassment. Something needs to be done!

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 2023-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : {$520.00} ; XXXX XXXX XXXX  Balance : {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: PA
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:
Three Fraud Student Loan accounts and Inquiries appearing on my credit report appearing on my credit. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-08-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I submitted a dispute regarding an incorrect amount for my auto loan thru XXXX XXXX XXXX XXXX XXXX. The correct amount remaining is {$580.00} Experian is the only credit bureau company reporting a {$2800.00} balance. I have sent a current statement and the XXXX also emailed a payoff statement to me to prove the amount on the payoff letter is up to date. Experian is refusing to update the correct amount. Please advise the next step. I have disputed this 3 ot 4 times 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Since the beginning of XX/XX/XXXX, I have received pre-paid debit cards that I have not applied nor have used for and application cancellation notices from financial institutions that I have established relationships and accounts with notifying me of accounts that were attempted to be established by someone who has fraudulently taken over my identity. Through these institution policies and technical advances, these accounts were stopped, and applications were canceled. However, the results of these attempts left inquiries on my credit report that were the result of fraud. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
7 days a week Comenity Bank calls over and over before XXXX and late night. 
I also have 3rd party debt collectors trying to collect on the same debt which has to be illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I received a letter in response to an ent credit card application. The letter stated that one of the three credit reporting bureaus had a freeze on my information that would have to be lifted for my application to be processed. I was able to reach XXXX and XXXX both of whom verified there was no freeze. Experian, however, makes it impossible to speak to a human and the only option on their automated line puts a freeze on your account. I tried for days, hours and hours at a time, calling every phone number I could find. I only was able to speak to a human once, who told me there was no freeze and hung up on me. In the meantime I had applied for a second credit card and a refinance loan. Both of those said specifically that there was a credit freeze only on my Experian information. My mortgage lender, XXXX at XXXX XXXX  tried to contact Experian on my behalf and was also unable to speak to a human. This issue stands to cost me thousands as the interest rates continue to rise. I also tried to resolve this issue on their website but got a message that my identity could not be verified and to call Experian. Once again I could not speak to a human and there was no option to handle this on the automated 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 2023-01-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent these companies to investigate these inaccuracies on my consumer report via certified mail. They have continued to ignore this matter, your company has not fixed issue. It is still reporting inaccuracies on my consumer report. These companies are direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form from this company as requested in my letter. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX : XXXX I have attached copies of my consumer report showcasing the innacuries and as proof on my defense that I have disputed these accounts with these companies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Convergent Resources, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correspondence sent XX/XX/2022 XXXXXXXX XXXX. XXXX REF : XXXX CEASE AND DESIST TO WHOM IT MAY CONCERN : Please be advised that I am DISPUTING the above-referenced account number which belonged to XXXX. Under the fair debt collection act, once an account is being disputed all collections and phone calls must cease and desist until the account is in investigated. Also, it is NOT to be forwarded to any credit reporting agency for collections under the law. 

I am providing the following statement for clarity regarding this debt for your records. This bogus debt being reported to you by XXXX was for a FREE upgrade for an XXXX XXXX that was issued to me by one of the XXXX stores in my area which is no longer in business. Its my belief that the T-Mobile store was going out of business and mislead me intentionally to give me a free upgrade when I turned in my XXXX XXXX. 

Two months later I started to receive a bill for this new device and immediately called the XXXX customer service number. I explained to the representative what I was told at the store and they credited my account. A few months later they did the same thing again and credited my bill once again. I suggest you ask XXXX for a copy of the phone records and conversations to verify these details. 

I thought it would against the law to try and collect from to sources?

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 2023-09-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2023-03-22
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}.

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 2022-11-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My checking account was closed by US Bank and there was enough money in my account to cover the two outstanding debits on my account. They closed my account and notified me by mail only with a check enclosed for the balance ( {$60.00} ) the day they closed the account. When the two outstanding items came in they charged me fees and bounced the transactions. And they reported me to XXXX XXXX. I have been unable to bank ever since. It is not my fault that they sent the money back to me that I had in the account to cover the two transactions that were outstanding. I had the money to cover the items in my account. I did not ask them to close my account. I still do not know why they did. The account number at US Bank is XXXX. I rceived an offer of settlement from US Bank, dated XXXX XXXX XXXX The letter says the contact person is XXXX -XXXX  XXXX XXXX XXXX Their phone number is XXXX. It says the XXXX XXXX XXXX XXXX XXXX XXXX will be notified of the settled status within thirty days of the date they receive payment. I am not paying them for their own mistake I had the money in the account and they closes the account and sent me the balance without giving me chance to pay the outstanding two transactions. I was notified by us mail only and would not have known the items were outstanding or returned until I even got the letter in the mail and opened it and read it. The entire amount due is bank charges only. This is unfair and I have been unable to regain a bank account at any bank because they reported me to XXXX XXXX. They are discriminating against me because I am poor and other circumstances beyond my control. Please call me to discuss this complaint. It must be resolved. This is my second complaint to you on the matter. I have been to US Bank in XXXX XXXX, CA on XXXX XXXX to try to resolve the issue. The branch manager was extremely rude to me and told me it was too old, just to pay it and get on with my life. He was extremely rude to me. I'm not paying for their mistakes in cash. I have paid for two years now by not being allowed to bank at all. Unacceptable and very expensive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a dispute with my bank Wells Fargo on XX/XX/XXXX for an amout of XXXX at XXXX under the number XXXX or XXXX ( I have both on my notes ), the claim was rejected because the card was present at the moment of the purchase, was face to face transaction. 
I called customer service to explain the situation, the shop doesnt have the stock there so they must sent the purchased goods by courier so I was requested to send the information in a letter and also the receipt showing that the goods must be sent to the address. 
I sent that information on XX/XX/XXXX by email. 
I called on XX/XX/XXXX to know the status of this claim and " XXXX '' from claims department told me that they cant reopen the case because the shop said that is a valid transaction but they couldnt proof that the merchandise was delivered, I requested those documents and they also denied that right. 
why I was requested to send the information if the bank will deny to reopen the case?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief