BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a job with XXXX. When I received a copy of my background check, a charge from last year ( XXXX XXXX ) that was thrown out / dismissed is showing on the report as if its ongoing which now eliminates me from being offered the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Was not notified of investigation status or results

Complaint:
- Contacted the creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX concerning the medical collections of my credit reports.

- Creditor responded that the information was accurate and valid per FDCPA.

- However, the No Surprises Act requires healthcare providers to give a good faith estimate of medical expenses for individuals whose insurance didnt cover their care.

- Debt collection agencies are not supposed to report information about medical debts covered by the No Surprises Act. Doing so violates my rights under the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US bank wrote in their response to me regarding CFPB complaint XXXX that their bank account agreement allows accrual of fees and that they already refunded certain fees a few years ago to me, back in XXXX. 

This is to emphasize the solution for return of fees from a few years ago applied to the issue from a few years ago. This new issue concerns XXXX fees and request for refund of XXXX fees. 

Also, I state even though US Bank practice to assess fees is in their account agreement, the practice is wrong ( possibly illegal ). As such it should not be part of the agreement. This is especially so if the transactions are not honored. Namely, if US Bank rejects a transaction, we are not being given a service but we are being charged for and end up paying the fees. This is wrong. 

It is also wrong and bad customer service to not provide such a service consistently ( if allowed to be offered as is ).  Honoring some transactions and returning others messes up with our business operations and makes us financially illiterate. Plus, it is costly and overall a bad customer service. Possibly illegal. 

US Bank states their service accounts of certain type can reject transactions that go into a negative but would still charge a service for it. My goal is to pay for services that I do receive and receive them consistently. Returning transactions that would go into a negative is not a service as these transactions are transient and do not draw on US Bank funds for support.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: AR
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:
Federal Student Aid U.S. Department of Education By XXXX who recently receive financial Activity summary. Loan Information XX/XX/03 principal balance {$45000.00} that they indicate I owe. Which I disagree with as being XXXX man who borrowed on {$5000.00} which have recently report incorrect balance that they claim I owe them {$79000.00}. Now they saying I owe {$45000.00} I feel that I'm being discriminated against because of my race, age and sex. Who never graduate with any certificate or degree as student. Where are they getting this amount {$45000.00} Would be taxes that being added. Wealthy ppl don't pay any taxes. Whereas me being tax on student loan for {$5000.00}. It being taking advantage of as being XXXX, older as man.

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 2015-08-01
Company: QuickClick Loans of Illinois, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Quickclickloans.com hired an attorney XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX to sue me for a loan. I never received notification of being sued. It was not until I had my wages garnished, did I know of this lawsuit. Had to pay out of pocket fees to hire an attorney, get copies of lawsuit paperwork through the XXXX XXXX court, and found that they lied on the document submitted to the court that they had served the lawsuit paperwork to me. They court document indicated they had served me at my place of business ( the address they supposedly served the paperwork at was my parent 's old home address, which I never lived at ), the description of the woman they gave the documents to did not even come close to my appearance, and there was no signature of the person receiving the lawsuit paperwork. This attorney garnished my wages without proper notification of this lawsuit and I want this investigated. My attorney had XXXX XXXX XXXX stop this garnishment immediately after the findings of improper serving of lawsuit paperwork. Are you able to tell me further what my rights are? Is this something I can report to the Attorney 's General Office?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a {$110.00} delinquent balance on a Wells Fargo Secured credit card from over 6-7 years ago. I have contacted Wells Fargo numerous times over the last 3 years to resolve and pay this amount and I keep getting told that they cant pull it up in their system. It is hurting my credit tremendously and Im not sure how to fix it if Wells Fargo cant accept payment from me or find it in their system.

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 2016-11-25
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am currently in XXXX. There are XXXX different companies servicing my student loans. AES does not have a record of me still being in school. The other companies have records and have me listed in deferment. AES has my graduation date on file, but no records of me still being in school. They told me it was my problem and up to me to provide proof ( from my registrar ) that I was in school. How is it that XXXX company ca n't figure out that I 'm still in school, but the other XXXX can?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRUIST FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2022 I recieved a security alert with XXXX about a recent credit application with Truist. I have no idea who they are or why they pulled my credit for an account. I called and spoke with several individuals who will not pass me over to a manager because they couldn't speak. I was on the phone for over an hour getting the run around and asking me they could not help me because i did not have my account number or card number to identify my account/I had already told them I have not applied for any accounts with this bank-He said no one can help me and for me to go straight into a bank -these people who are working for this company lack customer service and urgency ridiculous

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 2017-03-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed a previous complaint with CFPB about my Suntrust Equity Line being refinanced due to hardship. They did complete the hardship refinance to my satisfaction due to the pressure from your organization. Thank you. However, they reported to the credit reporting agencies I had been late 30 days on my loan which is the not the case. I had called Suntrust several times to see why the refinance was taking so long and was told " it was a sensitive subject ''. I was instructed " not to pay one the old loan '' until the new terms were worked out or I would be paying on the old loan and it would not be reflected in the new loan. I followed the advice of Suntrust and did as I was told. As soon as the new refinance terms took place, I made a payment and have not missed a payment. I feel that Suntrust reporting a late payment to the reporting agencies is unfair and false. Suntrust told me not to pay on the old loan which I followed. Reporting a late payment is disingenuous when they took " a lengthy time to rework the loan because it was a sensitive subject. '' I am now trying to refinance the loan to get away from Suntrust and their reporting is hurting my credit score in getting a new credit line. I want the " late status taken off my credit report as this account has always been in good standing for over 10 years until the payment ballooned and was unreasonable for me to handle. I worked it through Suntrust to get fair treatment. Reporting a late payment that was their fault in the length of time in handling my refinance was not my fault. I would like this changed on my credit reports. 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 2016-06-16
Company: DISCOVER BANK
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I recently applied to discover student loans hardship program. In three separate occasions I have received an email back on informing me they could approve my l application because it was missing documentation. As I am unemployed I have to submit proof of eligibilty for unemployment. I have stated over the phone to various Customer Service reps at Discover that I do not collect unemployment as I am not eligible for it. I spent close to 45 mins on the phone with a member of the hardship program today, XXXX XXXX, telling them the same thing. What am I suppose to do now committed fraud to give them what they want. My cosigner has graciously agreed to pay them during the hardship period. They refuse to accept a signed letter from both her and myself stating such, but yet have asked her to submit the last three months of pay stubs and her most recent XXXX. From my understanding this hardship program will reduce the payments significantly over a 12 month period but they are making it difficult for those who need the program to get into it. My loan is set to be charged off at the end of this month. I have repeatedly told discover I can not afford to pay XXXX a month and need a lower payment. I get the strong feeling they are trying to push me towards a charge off and a possible lawsuit. I am not refusing to pay them I can not pay them XXXX. Rather than try to find alternatives that make sense, the Customer Service rep was going to transfer back to the charge off department, for them to harang me by telling me, I have pay XXXX by the end of the month if not my account is going to charge off. If I do n't have XXXX where am I going to get XXXX from. This hardship program would have saved me but I can not get into because they seem to think I am lying when I say I AM NOT ELIGIBLE FOR UNEMPLOYMENT. I can not keep waiting three months to come up with one payment. This has got to stop. How many ways can you say I can not afford this payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: LA
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 found errors on my credit report and wrote letters to XXXX, Equifax, and XXXX on XX/XX/2020 asking them to remove the inaccurate information. I didnt received any letters stating why the items were placed on my report. I demand each item removed as it is inaccurate and is passed the 30 days. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and trans union are reporting a debt collection but both have different open account dates.Thats not me.

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 2022-07-13
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:
In Accordance with the fair credit act XXXX XXXX XXXX Account # XXXX, 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 that a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector. or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-10-03
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:
This is XXXX XXXX and I am once again submitting this CFPB complaint since the Credit Reporting Agencies have done nothing to correct my Credit file. This CFPB Complaint is formal notice that the Credit Reporting Agencies have failed to respond in a timely manner to my dispute letters and CFPB complaints. The Credit Reporting Agencies informed me to contact the creditors and I have done so. According to FDCPA 809b, the Credit Reporting Agencies are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete the following accounts now : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX has constantly published incorrect data on my personal consumer credit report in error. I have made experian the company that is reporting false information aware of the problem and they keep changing the information around as long as it has some negative connotation. I have several copies of my experian report ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) over the last few years where the company has posted so many different variation of similar information. In my last letter to experian Ive requested that they send me a description of the procedure used in the reinvestigation, as far as I know they should complete my request within 15 days. Would the CFPB please insure that the consumer reporting company experian send me that explanation defining the procedure used in a timely manner. It was sent certified mail " XXXX XXXX XXXX XXXX XXXX '', on XX/XX/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 explanation
Consumer complaint received 2016-08-22
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying for 2 months to payoff my mortgage which has a high rate, and I 'm retired. I have called Dovenmuehle consumer service dept. to complain on XXXX, XXXX, XXXX, and XXXX, each time doing exactly the required paperwork and sending it US mail, email, and their internal email. I am told each time that they have records of my calls, but not the written requests, and will not take phone requests. On XXXX, they finally put me through to a. Supervisor who told me he would personally guarantee that the payoff info would be sent out the next Monday.. It is now 10 days later, and no word. Today, their automated system would not even recognize my loan number. We told them in XXXX about our address change and repeated the new address on every phone call and written correspondence since. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Request to audit the mortgage frauds : 1. Once Flagstar take over the mortgage, it will not allow auto payment to happen. Even if consumer is able to set it up and received a confirmation - its either will get delayed so severe OR cancelled by itself. Both ways to trigger a late fee. Once its on, it will not allow the borrower to pay the whole amount due ( only one month at a time until the payment is posted which will trigger another late fee ). We tested in several different occasion from XX/XX/XXXX to XX/XX/XXXX and took several screen shots as a proof of the process. 


2. Flagstar delays payment for and often withheld them in different " account '' to trigger late fee.

3. Flagstar delay then refused to remove PMI although the 2 years mark or over 20 % value is due. The unresponsive/delay tactic could take months. One of the reason is also due to the late payment posting.

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 2022-06-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid this amount with customer service representative before it was sent off to collections

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Other

Complaint:
We accidentally overpaid our Discover bill by approximately {$15000.00}. We called more than a week ago and we were assured that a check would be sent to us in a day. After not receiving the check after about a week, we called and spoke with a customer service representation who assured us that the check had been mailed " that day ''. We doubted the veracity of this claim and asked to speak with a supervisor who said the check had not been mailed ( admitted that they had lied to us on two occasions ), and the could n't tell us when we could expect a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX of XXXX  I gave a large deposit down on three appliances I was ordering using this credit card, the XXXX  XXXX credit card. I also purchased one of the appliances outright with a credit I was given by the store for a range that broke down during warranty. I was led to believe, at first, that the range would be in within a reasonable amount time, although I know there was a delay. It turns out that to this day, I never received the range. Also at the time, the salesman charged me {$450.00} for an extended warranty on the range which didnt ' really make sense since he had no idea when the range was going to come in. Why charge a customer upfront for a warranty? Id didn't have enough on my store credit for the range plus a warranty of this amount, so the warranty ended up on my XXXX XXXX credit card. I never should have allowed him to do this. I spoke with a supervisor several times after about this. He is aware. They kept telling me that the range was coming in and to hold off and it never did. The supervisor let me to believe he would remove the warranty fee and then never did. He is now ignoring me and refusing to return my phone calls. Is this some kind of joke? A huge store like this? Are they kidding me? Why would I pay almost {$500.00} for a warranty on an appliance I never received. I protested this on my credit card back in the fall and I lost the protest as the store fought it as a valid charge! I protested it again and I this time asked for the protest to be removed because the supervisor told me the range was coming in soon. It never did! This is a joke at this point. Now I am protesting it again and I have no idea if this bank is going to remove the charge.

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