BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was getting unnecessary Overdraft fees, charge for low insufficient funds, money missing from my Account. Dispute about my money because missing, without a solution.

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 2017-10-13
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In XXXX, XXXX this company called me requesting I pay a debt. Immediately recognizing the debt that I had been trying to get resolved with my insurance company and previous employer I informed them of the situation. My employer neglected to add my son onto my insurance after he was born, they admitted fault to this. Then the hospital who owned the debt billed the wrong insurance company, again they admitted their fault in this. Meanwhile I was in contact with my insurance, XXXX hospital, and the collection agency almost constantly. 

After everything was finally billed correctly I was left with a balance of roughly {$1600.00}, this was in XXXX, XXXX. I had to scrape by to find a way to pay the company this so on the morning of XXXX XXXX, XXXX I called them prepared to pay this bill in full at which point they informed me that because I had taken so long to pay I know owed over {$500.00} in interest. I was shocked and in tears and tried to reason with them that this is not something I can afford. I had been in constant contact with them for months and they knew the situation and never once had they disclosed interest. 

After being transferred from XXXX XXXX who has verbally made me feel uncomfortable and threatened many times XXXX to her supervisor she berated me with a condescending tone, uncaring that the fees she had charged were never disclosed at any point as a possibility. She decided to lower the interest by about {$80.00} dollars. Eager to get her and her cronies out of my life, I paid in full. 

I understood that at some point I would need to pay this bill, but I had no idea how much it would be until my insurance could process it. The collection company knew this and still they added fees without my consent. I am not trying to get out of paying this bill, I just do n't think I should have paid the fees given the circumstances. 

Please listen to all calls with this collection agency to understand their threatening and demeaning tone. I am mortified and depressed and meanwhile this unethical company gets to open their door another day to harass people who actually do honorable things for a living.

Company response to consumer: Untimely response
Consumer complaint received 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a savings account with VyStar Credit Union. It has a small balance of {$100.00} and the account was closed without notice on XX/XX/2022. I received a statement showing they had charged me {$60.00} XXXX XXXX and another {$48.00} for XXXX XXXX XXXX which brings the account to zero. I received regular statements and the account accrued a small amount of interest ; however, the account was closed without notice. Upon receiving the statement I went to the branch and was told my account was closed for lack of activity and that they should have tried to contact me before closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
USAA reported to the credit agencies that I still owe a balance on an account which had a settlement agreement to settle in full for less than the original balance.. I disputed the debt with the credit agencies and they told me that USAA verfied to them that I still owed them money. This is inaccurate. USAA has had phone conversations with me stating that they are allowed to report a balance on the account since the settlement offer was less than the full amount. This is inaccurate. They are required to update my report with a  XXXX  balance. They are not allowed to tell the  XXXX  credit agencies that I do still owe a balance when I in fact, do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was closed in XXXX 2015 and was supposed to be reported to the credit bureau with Transunion and still not showing closed and satisfied. I request this issue to be resolved immediately this is hurting my credit.

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 2016-11-21
Company: ALLY FINANCIAL INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received my settlement check from Ally Auto Finance Settlement Department dated XX/XX/2016 and made a forward of address in XX/XX/2016. Not knowing why it was n't forwarded. I called XX/XX/2016 to request a replacement being that check XXXX expired XX/XX/2016. I have been separated from my husband since XX/XX/2016 and have not been at the address on the check since. When I called, there were n't even able to suggest how to go about receiving the funds that are due to me. Please advise

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 2020-06-09
Company: Convergent Resources, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS ACCOUNT IS PAST BEYOND THE STATUTE OF LIMITATIONS FOR ARIZONA. ITS BEING REPORTED AS IF ITS A NEW ACCOUNT JUST OPENED.

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 2022-05-13
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: Credit inquiries on your report that you don't recognize

Complaint:
accordance with the Fair Credit Reporting act 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 a account without my written instructions 111-290 - DATA BREACH NOTIFICATION ACT

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 2015-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX XXXX XXXX signed a consent agreement on XXXX XXXX, 2015, with the Consumer Financial Protection Bureau because of their illegal and deceptive debt collection practices. Under the consent agreement, XXXX XXXX XXXX is to provide consumer refunds and correct credit reports for those consumers. My situation falls under the consent agreement and the collection account needs to be deleted from my credit report immediately. XXXX XXXX XXXX used deceptive and illegal debt collection practices to try and collect on the account they placed on my credit report. In addition, XXXX XXXX XXXX has incorrect information on my credit report which is a flagrant violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Cherry Creek Corporate, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a refinance on my home through XXXX mortgage which is cherry creek mortgage, all went went I made my first payment to them and immediately after that they sold my mortgage to XXXX bank, it has been over 70 days since payment was made and cherry creek will not transfer payment to new servicer, I have called about 5 times and sent several emails and in every attempt the answer was we are sending payment today and never did, I am reaching out to solve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} - Date XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise US Dept of Education and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Its not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a letter from a debt collection agency for {$10.00} for a medical service. I never received any communication from the medical provider that I owed this amount and the first I am hearing of it is from the debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Called Experian yesterday to ensure that I have both a security freeze and fraud alert on my Experian credit reporting account. 

XX/XX/20 - Called and waited 32 minutes before reaching someone who's phone doesn't work - I could hear him, yet he couldn't hear me. Called again and was on hold for 15 minutes after being transferred - now I've been transferred a third time and expect to be on hold again for a while for who knows what result. I am not able to log into Experian 's website even though I have an account ( apparently from a data migration that wasn't successful, yet those of use affected were not informed ). I did not receive a login email " within 10 minutes '' after my call. 

XX/XX/20 - After not receiving a login email, and now on my third call to Experian, I was transferred to the dispute dept even though I mentioned login issues, and am now at over 3 calls and 2.5 hours ( 32m, 61m, 95m ) on the phone. More concerning, due to a misspell, Experian may have emailed my user information to another email. So much for " security ''. 

It also turns out the fraud alert I asked for was not added yesterday, and I still dont see the security freeze after being able to log back into my account today. In fact, I see my account was unlocked (? ) after checking online. At this point, I have no confidence that my Experian account has a security freeze and fraud alert. 

Experian 's ineptitude affected our mortgage application back in XXXX - fortunately the lender was okay with accepting the other two major agency reports. 

When I called XXXX yesterday, it was a completely different experience. First person that answered right away added a fraud alert, security freeze and even offered a free credit report, all in less than 10 minutes. I have not had any of these Experian issues with XXXX or XXXX. 

How is Experian going to provide seamless customer service instead of bungling everything possible, wasting the public 's time and ironically putting our credit reports at risk by sending login and user information to another email address?

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 2021-11-16
Company: Harris & Harris, Ltd.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Harris and Harris has contacted the home where I work. This is a private residence. Not my employer. They have been asked not to call my clients home, out of respect for their time and phone line, but Harris and Harris has not stopped. If they wish to speak with my employer, then they need to contact the main office. Most recent call was XX/XX/11, on a holiday, @ XXXX in the evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and this auto loan is on there, which I have no knowledge of.

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 2022-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Bank of America XXXX XXXX credit Card on XX/XX/2021 pursuant to a promotion of 50,000 bonus points for spending {$3000.00} within the first 90 days. Bank of America charged me a {$95.00} annual fee before I made even a single purchase with the card. I then satisfied the {$3000.00} purchase minimum within 90 days. The 50,000 reward points should have posted months ago by the express terms of the promotion ( attached ). I called Customer Service on XXXX XXXX, XXXX  to ask about the reward points. XXXX confirmed that I met the minimum purchase requirement to receive the promotional points, and said the rewards take at least a statement cycle to post. He said the points would post soon ( in next statement cycle ). Five months later, the points still have not posted. Instead, BofA imposed another {$95.00} annual fee on my account, reflected on the card statement I just received today. Apparently BofA is deliberately dragging out the promised reward posting to receive at least one more annual fee. This should not be allowed.

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 2016-12-20
Company: U.S. BANCORP
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
Phone call at XXXX EST time from a robocall, telling me that there is a suspected fraud on the credit card account, and that I need to call in immediately. After 10 minutes of voice mail jail with Fidelity / Elan robots, it becomes clear that the " Red Flags '' for fraud include multiple transactions from XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX vendors that we pay dozens of invoices to EACH AND EVERY month ( see attached statement ). 

Specifically, the " fraud alert '' for today 's charges is based on XXXX transactions in a single day. Except that for each of the last 12 months, there have been DOZENS of days where we make XXXX or more purchases from the same " Red Flag '' / suspicious vendors. Why is this suspicious? 
Why are these " Red Flag '' tests so primitive? Why are calls not made during business hours?

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 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened 2 secured Credit Cards with Capital One to start establishing a credit history. I used the cards for a few months then I stopped and was going to pay the balances off. The cards only had a {$200.00} limit. A couple months later I started receiving letters saying that I owed them money for some charges that were made on the account that sent me over the limit. I explained to them that I had n't used the cards in a while because it was no money on them then asked them how was it even possible to go over the {$200.00} credit limit when it 's a secured card. I looked into what was going on and found that it had been some fraudulent activity on both my accounts. I explained to them that I lived in a house with strangers where I was renting a room and it 's a strong possibility that one of them could be responsible. They did n't follow up with me, nor did they look into it. They kept harassing then eventually sent the information to the credit bureaus and its impacting my credit negatively. They reported that I owe over {$600.00} on each account. How is that possible with a secured limit of only {$200.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXXXXXX ( XXXX ) reported my XXXX mortgage payment to the credit bureaus are being late in spite of them cashing the mortgage check ( electronically ) from my bank ( XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and after receiving my payment dispute on from my previous complaint on XX/XX/XXXX. According to the CFPB guidelines XXXX is required to suppress the reporting the of the loan and payment information on the credit profile for a period of 60 days. They misreported my XXXX payment at the beginning of XXXX. See attachments. 

Previous complaint information attached

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 a 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