BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
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:
XXXX data breech victim and fighting to have negative items removed. Please hold experian, XXXX and XXXX responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2023-06-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax not only conducted a botched dispute on my behalf but they completely destroyed the information on my credit report. I contacted them with a dispute that the company XXXX XXXX was showing twice on my credit report. I advise them that I paid the account off in full and was never late. This information was reflected on their credit report. Then they had the same company on my credit report as never being paid charged off and paid off by the dealer. This account was inaccurate. In stead of then fixing it during their dispute. They deleted the correct information and left the incorrect information. The other two credit reporting agencies has this information reflected correctly. Equifax not only has this information correct but even on my credit report they have no information to back any of their claims. No payment history nothing everything is now blank. The only thing showing is paid off by the dealer for a joint account that I never owned. This is negatively effecting my credit score under equifax. XXXX and XXXX have my score reflected correctly at XXXX however equifax has my score at XXXX. How are they allowed to report inaccurate information and still be considered reliable for reporting credit. Can someone please look into this. I paid this company every month on time and paid off the car with no problem. They did not conduct an investigation because the company responded to the other 2 reporting agencies that the information on me owing a debt was incorrect. Equifax lied on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The car payments were put on deferment because my husband was unable to make full payments but the payments should not have been reported as 30 days passed due five different months. It was during Covid and lots of people were struggling with their finances.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: IN
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 following accounts are out of compliance : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 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 2023-02-16
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ref : NewRez LLC also XXXX Shellpoint Mortgage Services- XXXX XXXX XXXX NewRez Account # XXXX - XX/XX/2022 Notification of non-payment from NewRez LLC when in fact my payment was credited to another account. 

- XXXX XXXX Accounting Check # XXXX presented for payment on XXXX. 

- Payment Credited to NewRez Account # XXXX This was actually discovered through my own investigative process. 

- Have had multiple conversations and email communications. No resolution or acknowledgement of receiving then crediting the incorrect account. 

- Our on-line payment account is a complete disorganized mess - Our account indicates multiple late payment charges. 

Please assist as appropriate. 

Respectfully, XXXX XXXX, XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
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:
I am re-submitting my CFPB Complaint to express my extreme dissatisfaction and outrage at the fraudulent items listed on my credit report. It is unacceptable that several items, which I did not open or have any knowledge of, are present, indicating identity theft. The fraudulent account details, including [ list details ], violate my rights and have severely impacted my financial standing. I demand that you investigate and remove these items from my credit report without delay. Please remove the following items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX, XXXX, XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and under the Fair Credit Reporting Act, it is your legal obligation to conduct a prompt and thorough investigation. Please provide me with a written response detailing the results of your investigation and the actions you have taken to rectify this situation.

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 2023-10-04
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Subject : Complaint Against Credit Collection Serv - Illegal Collection Practices Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the debt collector agency, Credit Collection Serv. I have experienced what I believe to be illegal collection practices and wish to file a complaint with your organization to seek justice and resolution. 

Credit Collection Serv initiated collection efforts against me for a debt that I firmly believe to be inaccurate and unsubstantiated. Despite my repeated attempts to request validation and proof of this debt, Credit Collection Serv has failed to provide any supporting documentation. Furthermore, they have continued their aggressive collection tactics, including harassment and intimidation, in clear violation of my rights as a consumer. 

I kindly request that the CFPB conduct a thorough investigation into the activities and practices of Credit Collection Serv, as these actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

Specifically, I have experienced the following illegal collection practices by Credit Collection Serv : XXXX. Failure to provide validation of the debt : Despite my written requests for verification, Credit Collection Serv has consistently failed to provide any supporting documentation or proof of the alleged debt. 

XXXX. Harassment and intimidation : Credit Collection Serv 's agents have repeatedly engaged in harassing phone calls, using aggressive language, and making false threats of legal actions against me. These actions are explicitly prohibited under the FDCPA. 

XXXX. Inaccurate reporting to credit bureaus : Credit Collection Serv has irresponsibly reported the disputed debt to credit bureaus without conducting a proper investigation or validating the accuracy of the debt. This has caused significant damage to my creditworthiness and overall financial well-being. 

I urge the CFPB to take immediate action against Credit Collection Serv to put an end to these illegal collection practices and to protect other consumers who may be similarly affected. I request that appropriate penalties and sanctions be imposed to hold Credit Collection Serv accountable for their actions. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action in investigating this complaint and ensuring that justice is served. I look forward to receiving updates on the progress made and the resolution of this issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 / TransUnion Name of Account Account Number 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 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 non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MO
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Subject : Complaint Against Conserve - Illegal Collection Practices Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding the debt collector agency, Conserve. I have experienced what I believe to be illegal collection practices and wish to file a complaint with your organization to seek justice and resolution. 

Conserve initiated collection efforts against me for a debt that I firmly believe to be inaccurate and unsubstantiated. Despite my repeated attempts to request validation and proof of this debt, Conserve has failed to provide any supporting documentation. Furthermore, they have continued their aggressive collection tactics, including harassment and intimidation, in clear violation of my rights as a consumer. 

I kindly request that the CFPB conduct a thorough investigation into the activities and practices of Conserve, as these actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

Specifically, I have experienced the following illegal collection practices by Conserve : 1. Failure to provide validation of the debt : Despite my written requests for verification, Conserve has consistently failed to provide any supporting documentation or proof of the alleged debt. 

2. Harassment and intimidation : Conserve 's agents have repeatedly engaged in harassing phone calls, using aggressive language, and making false threats of legal actions against me. These actions are explicitly prohibited under the FDCPA. 

3. Inaccurate reporting to credit bureaus : Conserve has irresponsibly reported the disputed debt to credit bureaus without conducting a proper investigation or validating the accuracy of the debt. This has caused significant damage to my creditworthiness and overall financial well-being. 

I urge the CFPB to take immediate action against Conserve to put an end to these illegal collection practices and to protect other consumers who may be similarly affected. I request that appropriate penalties and sanctions be imposed to hold Conserve accountable for their actions. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action in investigating this complaint and ensuring that justice is served. I look forward to receiving updates on the progress made and the resolution of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: U.S. BANCORP
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Feels like a SCAM!!! 

When I got the zero interest promotion, Kept calling about the bill, I was advised that there would be a central billing account but I later learned that the central billing statement was not set up. While waiting for the central billing issue to be corrected they unbenounced to me changed my interest rate. Later I started getting bills but the payments ere 3x what I should be paying so i called and they reset my interest rate. I payed the payment posted after the interest rate was reset. Then I noticed that the Payments went back up.This occured at least three times. I called again and they told me that the rate would be reset but with this type of account the payments can't be late even if in dispute. I made the payment prior to the due date as directed and the interest is again high and Ithis time sends my balance over the limit on the card. i am now told that they can not reset the rate until the account is brought under the limit, I said the account would not be over the limit if the interest rate was not changed. they refused to reset the interest rate and or reverse the unethical charges, Everytime I call there is a different reason the interest rate was changed. I think thisis part of their scam and the 0 % interest rate was the lure. And they deliberately put obstacles in the way to create reasons to adjust the interest rate. 

These XXXX XXXX XXXX are predatory and deliberate in their processes to defraud their customers and the public.

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 2015-11-10
Company: WELLS FARGO & COMPANY
State: CT
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo says my statements are available online for seven ( 7 ) years but, when I closed out a money market savings account my access to the statements ended and they want to charge me {$5.00} per statement. I did n't download any statements for my closed MM savings accounts planning on being able to see them online. I feel misled and potentially gouged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with 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 consumir Reporting agency can not furnish a Account without my written insturctions.

15 USC 1666B : A creditor May not treat a payments an credit card Account under an open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We have been customers of Bank of America for over 20 years. Today XX/XX/XXXX my husband tried to use his debit card this morning to buy coffee and it was declined, the cashier stating that it says that his debit card may have been reported stolen. I called the Bank of America where we have 3 checking accounts and 3 saving accounts and 6 credit cards and they said that they are closing all of our checking and savings accounts today because bank of America is deciding to end its relationship with us. They didnt give me any specific reasons for this, and after I called a few more times to see if I can get more answers I found that they were only closing the checking and savings accounts and not any of our credit cards. I went into a branch to talk to someone and withdraw a little bit of cash a few hours later and they called the bank and they gave them the same reason of why my account was being closed. I was unable to withdraw any funds from any of my accounts which left us with no money. They stated our direct deposits from our jobs that we had coming in there for the last 10-15 years and all the bill pays would be rejected.

Both my daughters accounts that I am a signer on were also affected and closing. My XXXX XXXX XXXX daughter was a victim of fraud from a job she attempted to apply to almost exactly a month prior, I called to ask if this was the reason and that we were the victims of it and the department was still unable to give me any information about it stating they would close our accounts and mail us any balance due. We are now left just waiting with no access to cash and auto payments being rejected. I am due to give birth in 2-3 weeks and bank of American cant give me an explanation of why my funds are not accessible and why they are deciding to not do business. I asked if I did something wrong to just tell me and maybe I could give more explanation. The money in there is from our payroll jobs that we have been getting deposited there for the last 10-15 years.

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 2022-09-22
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I never even knew I had an account with PNC Bank but they have been charging me $ XXXX without ever notifying me of their policy and their account minimum requirements. I never received any formal letter from them or communication. They stole money from me by charging these bogus fees even though they claim my account was under " Dormant '' status.

Company response to consumer: Closed with explanation