BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: DISCOVER BANK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : DISCOVER FIN SVCS LLC  XXXX Date Opened:XXXX  Balance : {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-01
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My number as been associated with another party that ARS ( ARS National Services ) is attempting to collect or clarify a debt obligation.

I have responded in person on a number of occasions to a number of the 50+ messages left on my cellular voice mail morning, day and evening. I have requested my number be removed from their records. I have been unsuccessful in stopping the harassment and would like the CFPB to step in and help.

I want ARS to honor my request to cease and desist contacting me for debt obligations that are unrelated to me and hope my issue helps others that are facing the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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: Investigation took more than 30 days

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/15 Balance : {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/15 Balance : {$270000.00}

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 non-monetary relief
Consumer complaint received 2023-12-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have a duplex in XXXX Connecticut that is mortgaged by PennyMac mortgage co. I have insurance on that property from XXXX XXXX XXXX. Every few months I get a letter saying I don't have insurance. I call them, they say oh I see the issue we will fix it. They tell me its fixed and it never is. I have tried to deal with this at least 10 times over 3 years. Each time I'm told its resolved and a few months later it happens again. They have even purchased insurance on my behalf out of my escrow fund even though I have shown time and time again the issue is on their end. Most recently, they just didn't pay my premium causing my insurance company to drop coverage. Now my property isn't covered and I may end up paying more for insurance. I can not keep doing this. I pay my mortgage, I have insurance, I feel like I'm being harassed!! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: VA
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:
I was a victim of the Equifax data breach. I want these items, delete it from my credit reports as you can see the CAPB actually deleted them because I was a victim of this data breach. 
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

list of all the negative accounts from my credit reports Equifax 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have contacted US bank by phone ov

er five times on different days now to try and understand why my externals transfer 's ability was suspended. Ridiculous, over five calls and the issue is not fixed. Told twice by reps that the hold was removed, and should work within 24 hours. That was several days ago. After 48 hours, called again, spoke to another rep, who said it should be removed within 24 hours. Absolutely ridiculous, unable to transfer money from my bank account to my other bank accounts. Such poor customer service, that I've had to call over five times, spend over 15 minutes on the phone each time, and told that the issue is resolved, which is
clearly wrong, or a lie.

US bank need 's serious overhaul, fix of their procedures, and representatives knowledge. No customer should be locked out of there account for no reason for multiple days, with multiple representatives giving wrong and incorrect information.

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: Experian Information Solutions Inc.
State: NC
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 have been disputing fraud accounts on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 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 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 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: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I want to know if I am eligible for the Civil Penalty Fund through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. Golden 1 Credit Union misappropriated funds from my trust account into my stepmothers without my permission. My father was on the trust account with me while the stepmother wasn't. I am the Executor and Trustee of my father 's living trust. Golden 1 Credit Union had a copy of this trust in the branch where the fraudulent transactions took place. The application for the trust account was signed and notarized at this branch as well. This is egregious that Golden 1 allowed these transactions to take place. My father died a month later after the last transaction from XXXX. So Golden 1 allowed an XXXX old man to empty out his life savings to his wife who was never on the account.

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 2023-11-22
Company: Carter-Young, Inc.
State: AL
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 am reporting two issues with the collection company, Carter Young Inc. 
1. I requested validation of an account reporting on my credit report that I was unaware of in XX/XX/. The company did not validate the account and the account is still reporting on my credit report. This is a violation. I have attached to this complaint a copy of the validation letter and proof of receipt by Carter Young Inc. via certified mail. 

2. Instead of validating the account, the company deleted the account with XXXX and XXXX and then re-reported the same account with XXXX and XXXX changing the account number and the last active date. This is the exact same account that they deleted and re-reported with different information. Also, this account is reporting several items differently with all three credit bureaus such as the account number, the open date, and the last active date. There are several violations with this account. I have attached a copy of their reported information on all three of my credit reports in XX/XX/ and in XX/XX/ to show the changing of the account numbers and to show how several pieces of information is being reported differently with each credit bureau. So many violations!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Principals rights were violated by XXXX XXXX XXXX in conjunction with XXXX, XXXX, Equifax per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. This erroneous tortuous act took effect on XX/XX/2023 for amount {$19000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am unable to access my account. The website redirects to " Bread '' financial which has apparently acquired Comenity. When I try to use the feature to find my account, it gives me an error message that it wasn't found. On this error page, they acknowledge an issue and say they're waving late fees for those whose payments were due on XXXX and XXXX. I do not fall into that group. 

I attempted to call, and was greeted with an automated message repeating the above information, and then told that they are not accepting calls and it hangs up on me. It is completely unacceptable that I can not access my account and they are shut down with no way to communicate with customers other than to say " sorry, we're not taking calls ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: M&T BANK CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
It is not possible for me to file a complaint against XXXX XXXX XXXX XXXX, so it is against M & T Bank. I was supposed to have ALL overdraft fees associated with a debit purchase that was unauthorized refunded. They were not. The fee of {$37.00} charged on XX/XX/2022 which was a direct result of a charge that was disputed and refunded was NOT refunded. Had I been accurately refunded in the first place, they would have lost out on SEVERAL of their {$37.00} fees as many were {$20.00} or less. 

Additionally, they are in breach of their own contract. If money is placed into an account the same day an overdraft fee is incurred, there is not supposed to be an overdraft fee. On XX/XX/2022 I was charged {$37.00} for an overdraft from XX/XX/2022. However, I deposited {$340.00} on XX/XX/2022. The overdraft wouldn't have been charged if they followed their OWN policy. The only reason the account went negative was the 4 {$37.00} fees from XX/XX/2022. 

I called the banking center and was refused to have even this one fee refunded.

They have taken 19 {$37.00} fees in less than a month.

If they refuse to follow their own contract, I will take them to small claims court. I would like the FDIC to note that the fees M & T Bank charges are less than XXXX XXXX XXXX, significantly, and they have taken AWAY positive things in my XXXX XXXX contract ( like checks up to {$500.00} being available right away ). How is it legal to take away only the positive things I was offered by my bank and keep the negative ones -- yet I am unable to sue XXXX 's XXXX -- -how is this legal to treat two consumers forced to use the same company so differently? There should be more oversight!! 

Additionally, while it is subjective -- FDIC states these fees are not allowed to be " excessive ''. Guess what? THEY ARE EXCESSIVE!!!

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: Healthcare Collections-I, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called original debtor they agreed account paid in full therefore the a collection account would be removed from XXXX and XXXX which has not happened as of today. I also have a letter stating paid to delete.

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 2022-07-01
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022 I was sent a document from the law offices of Mitchell D Blum & Associates LLC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX The document was an attempt to collect a debt and for the amount of {$380.00} The original account # on the document is # XXXX Texas law requires debt collectors to carry a surety bond and requires they communicate their bond number upon request. 

The document I was sent does not have a bond # nor does the website for this business. 

Florida Law requires a debt collector to be licensed in the state of Florida and carry a surety bond. Florida law also requires debt collectors to communicate their license and surety bond details upon request. 

I called the offices of Mitchell D Blum & Associates LLC on XX/XX/2022 to ask about their bond number to validate their are an actual business that is authorized to collect debt in the state of Texas. The associate I talked to could not communicate the surety bond number to me and was very combative. 

I believe Mitchell D Blum and Associates LLC along with XXXX XXXX XXXX are engaged in identity theft in a attempt to illegally induce me to pay {$380.00} or have my ability to engage in commerce restricted via derogatory credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I currently hold a Citi credit card account XXXX **** **** XXXX under my name, XXXX XXXX XXXX. And that specific account doesn't worry me. 
I have inquired several times about my account ( s ) with zero replies from Citi or Citibank. This is my XXXX request. 

I have reason to believe my digital identity might be compromised and I need an investigation of all Citi or Citibank account ( s ) matching my credentials in order to exhaust this part of the investigation. 

I need to know if any other accounts are open under my credentials? Please assign XXXX of your representatives to investigate this going back at least XXXX to XXXX years so that I might rule out the possibility another account was opened with an unauthorized use of my data. I need this search performed whether a checking, money market, savings or any other type of financial account.

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 2022-07-01
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a verification of debt from the company Aargon Agency Inc. The Debt is for {$1900.00}. The debt collector has now reported it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Affirm Holdings, Inc
State: NC
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 WILL BE ANOTHER COMPLAINT BECAUSE DIDN'T GIVE FTC ENOUGH TIME TO RESPOND LAST TIME. I have reached out to the company and XXXX multiple times for them to take this off my credit. I was on the phone with supervisors and hanged up on because I told him that I don't have access to whatever email they are trying to reach me at and handle this situation they won't help. I have also submitted documents to XXXX and contacted the FTC. This is effecting my 100 % parent history on my credit does not match my profile at all this was FRAUDULENT.

Company response to consumer: Closed with explanation