BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am having an issue with US Bank. I recently received my escrow analysis for the upcoming year XXXX. When looking at it I noticed that my projected amount for my insurance said {$1000.00} but in the actual column said {$0.00} but the future projected was {$1300.00} so I called and spoke to a representative after about XXXX minutes she came back on and said something to the effect of there was a payment made but we can only see it on our end. When I look down at all the payments in the past I dont see anywhere on that it says insurance I see county taxes and mortgage Insurance but not that. Again she just stated she can only see it on her end. I have a shortage amount of {$570.00} so they told me I have until XXXX to pay that off if I did not want it added to my mortgage payment so I had the representative on the phone and she told me where to pay it I did. I paid {$100.00} that was on a Saturday XX/XX/XXXX I looked on Monday XX/XX/XXXX at my account on Saturday I could see my Shortage amount but it was gone now and my payment does not say toward escrow it say toward Mortgage. When I called and asked why I could no longer see the Shortage amount and why my payment was not applied to my escrow shortage she replied that some wires got crossed but she would notify someone and have this fixed. She also could not give me a real reason why I could no longer see my shortage amount online anymore just that I could only see it on my escrow account analysis. I stated that I would like and should be able to see every payment that I make and where it is applied. She stated again they can see it on their end and just not mine. I asked was their someone else I could talk to about this issue and she stated no just the customer service representatives. I dont feel comfortable about this situation because this is my payment and my money I should be able to see where it is going not just take their word.

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 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive tried several times to get a credit card limit increased but Capital One Credit Cards denied each request. Although I have an excellent credit and payment history, Capital One says my payments are too low. That reason is ludicrous! I make on time payment which are either amount due and/or {$10.00} over minimum due. I do not understand they provide a minimum due on due date and states we will not increase limit because you paid what told you to pay by due date. Doesnt make sense!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was trying to fix my credit with XXXX XXXX XXXX  and a couple accounts was supposed to be paid off for them after 4 years paying till I find out there was a miscommunication with the company because they wasnt making the payments on all my accounts, a few days ago a third party company its been harassing me over the phone and calling family members asking for me company that I wasnt notified about I try to speak with one representative but she was been rude and un respectful to me where she said that they cant sue me for that amount, that she was mentioning but also that account was supposed to be be pay off since XXXX. What it got me confuse because I didnt have any knowledge about I try to my credit report company to make a disput but the third party its refused to remove the collection that its been Pay out since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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 XXXX. XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX Account # 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 an 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 2022-09-03
Company: Veros Credit, LLC
State: FL
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 HAS FAIL TO PROPERLY INVESTIGATE ACCOUNTS THERE ARE FRAUD SUMMITED A DISPUTE AND I TOOK 2 DAYS TO SAY THAT THEY VERIFY THE ACCOUNTS IN QUESTION WICH IS XXXX XXXX, VEROS CREDIT WICH THE WERE OPEND DO TO IDENTITY THEFT IN WICH I HAVE SUMIT AL PAPERWORK TO THE IN INCLUDING POLICE REPORT FTCA REPOT AND STILL THE HAVE VIOLATED MY CONSUMER RIGHTS. ACCORDING TO THE FCRA ACT SECTION 609 A 1 A THEY ARE REQUIRE BY FEDARL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION AND I DEMAND THE FOLLOWING ACCOUNT TO BE VERIFIED OR REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
The lender Cashnet USA explained that the payments based on my credit line would be {$95.00} per week. The first 2 payments were {$95.00} then increased to over {$230.00} per month. I tried to contact them to discuss but was on hold for over 2 hours. Also request a call back. I received a call back in 10 minutes ans was put into an automatic voice recording and on hold for another hour

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
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:
They will not refinance my loans after forbearance, late payments applied, need help please. i WILL NOT BE PAYING TILL XXXXXXXX XXXX XXXX XXXX XXXX That's a Covid disaster for me I need a break please Thanks XXXX XXXX XXXXXXXX XXXX XXXX To whom it may concern : I was one of millions XXXX XXXX XXXX XXXX that Covid Epidemic affected. 
XX/XX/XXXX Texas GovernorXXXX XXXX XXXX XXXX  signed an Order to close business that had gatherings of no more than 5 people. 
I have a mortgage on this XXXX XXXX, rental building capacity of XXXX XXXX XXXX XXXX. My Leasor could not pay the rent so they left, The mortgage company said they could help with Modifying my Loan with Forbearance assistance. 
See attachment please see for yourself if you call this assistance. Thanks XXXX The attachments should answer your questions on Payments, Taxes, Insurance, amounts on our following properties. We only have XXXX mortgages and XXXX other properties paid in full. 

1. FHA Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. FHA Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. FHA Loan XXXX XXXX XXXX converted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX 4. No Loan, Tax only, XXXX XXXX XXXX Lot 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5. No Loan, Tax only, Vacant Lot XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Estates I signed Subdivision established XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX VACANT LOT PAID IN FULL 30  YEARS AGO LOT 2 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX LOT 3 - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  PAID IN FULL 30  YEARS AGO LOT 4 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX LOT 5 - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LOT 8 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXXXXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my 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
Consumer complaint received 2017-03-31
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint on ERC that has added a collection to my credit report on a debt that is more than 8 years old and should be deleted from my credit record once and for all. This account was with XXXX in 2007 then with XXXX that is logged several kinds of ways on reports to camouflage them selves this account must be delete from my credit report. Credit reports provided as proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back

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 2017-10-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have never in my life encountered a bank with such horrendous and unprofessional staff in my entire life. These people already screwed up my entire credit for the first 8 months this year because the person trying to sell me the loan was too busy running their mouth and didn't bother to even key in my auto-draft. 

NOW when I've tried to pay this loan off in full as soon as possible and have nothing to do with this deceitful and underhanded bank ever again for any reason, I find even more completely deceitful and predatory practices bordering on very illegal activity. 

I'm making ADDITIONAL payments each month now on top on my normal payments, I've been told multiple times by Truist loan officers that there would be NO PENALTY FOR THIS and there's no line anywhere in my contract that says I would be penalized BUT Truist just decides to steal {$41.00} from my PRINCIPAL ONLY payment that I make like this is somehow legal. It's not and they have their website set up to specifically be deceitful to consumers as you can see from the screenshots I took. 

What consumer anywhere would think, when choosing to MAKE AN ADDITIONAL PAYMENT TO " PRINCIPAL ONLY '' that someone's going to just take out nearly {$50.00}? 
THAT IS BY DEFINITION NOT " PRINCIPAL ONLY '' I've called the XXXX and XXXX  banks several times and either gotten a XXXX lady that sounded like she was too impatient or it was just too much to help a client. She transferred me to I'm assuming a branch manager male who just continually gave me nothing but sarcastic remarks. I will never ever bank with Truist again after this loan 's paid off and I have every mind to call my family attorney and file suit against you people. 

This is illegal, it's purposely deceitful to consumers, and it's absolutely predatory. I could have easily paid for this cash but chose instead to finance this purchase and because I chose Truist, I've gotten flat-out robbed, had my credit ruined for the better part of year. Yeah I'm done " asking '' for things to get fixed. I'm going to sue this bank if they don't refund my money. 

I'm sick and tired of all these people at this bank advertising like they give a XXXX about their customers in commercials and then doing everything possible to XXXX them and XXXX up their credit and financial futures so I'd like the CFPB to please publish this publicly so any and everyone can read this non-solicited experience that I've had and know to never trust Truist Banks with any of your financial decisions. Go literally anywhere to the smallest small-town bank or the biggest big-city bank, there is no possible way that those strangers will XXXX up your money as badly as Truist. 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 explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NC
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was trying to get a loan from these company regards with automobile finance for a vehicle sadly they all turn me down these company states I owe money and has collection s on my name and fact was I filed bankruptcy chapter XXXX and was discharged there for it wrongful these company refused and discriminated me and refused of finance me due to I filed bankruptcy and yet they stated I has multiple collections under my credit score this means they have gotten wrong information when ran my credit score there should not be a denial of my credit regardless due to I am protected under the bankruptcy law they  making up their own wording and stated this and that and mainly they don ; t want to finance me because of my low credit score of 400 or 500 score they think I am a high risk because I filed and has a bankruptcy discharged they made it impossible for me to finance a vehicle and establishing credits for them doing these practice they pretty much saying if I could paid off my collections or debt out there and then they would approved me once again I am protected under the United states bankruptcy law chapter XXXX it is wrongful these company denial my credit applications due of my bankruptcy chapter XXXX has been discharged they only help people and finances people who has no bankruptcy that is a discrimination.

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 2022-04-11
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter from Lyons, Doughty & Veldhuis P.C. stating they entered a judgement against me for a XXXX account that I paid years ago. The never notified me of this ever but in the letter it starts off saying " As you are aware, a judgment was previously entered again me '' No, I am not aware because I dont owe XXXX anymore and if I did, shouldnt I have been made aware of someone trying to sue me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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. XXXX Account # 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 an 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 explanation