BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have placed a security freeze on my credit record with all XXXX credit reporting agencies so that I can avoid identity theft. I needed to lift the freeze with Transunion so that I could get internet service. Despite the fact that I provided Social Security Number, Birthdate and PIN number, Transunion would not lift the freeze because they claimed I had not changed my address in their records when I recently moved. However, on their own web site my account showed the correct address. They then required me to answer security questions and refused to serve me because I could not remember the credit limit on an unnamed charge card issued XX/XX/XXXX. They then required me to fax and mail copies of my drivers license, social security card, and a utility bill, but still did not fix my address in their records or lift the freeze. Finally after numerous calls and hours on the phone someone agreed to lift the freeze and i had to give a charge card number for a {$10.00} fee. Several days later I had to call back to get the " lift '' cancelled and the security freeze reinstated. They put me through all the same obstacles again. I had learned the credit limit on the XX/XX/XXXX bank card and gave it, and then they demanded the credit limit on an unnamed store card issued XX/XX/XXXX. I could not answer that question. Could anyone? I just kept repeating that I wanted the security freeze put back on my account and the lift cancelled. Finally they did as I asked. All these calls were handled by people speaking heavily accented and virtually unintelligible XXXX who rarely understood what I was saying and were clearly reading from scripts. I am sure this happens because Transunion wants people to give up in despair and order their so-called identity protection service which costs more that the leading service. They do not want people exercising their right to place security freezes and they make it as difficult as possible. This is not fair. This company should be punished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: ALLY FINANCIAL INC.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I maintain a checking account and a savings account at Ally Bank. I keep a XXXX balance in the checking account and instead exclusively use my checking account with another financial institution, but I do keep money in my savings account at Ally. Yesterday I erroneously charged a {$58.00} transaction to my Ally checking account through XXXX, which the bank processed along with a {$25.00} overdraft fee. 

I complained to Ally Bank that I had not opted into overdraft services, and that I would have preferred that they deny the transaction. They refunded my fee, but informed me that there was no way to opt out of overdraft coverage. With the increasing prevalence of online-authorized ACH payments for specific services, e.g. XXXX, it seems seems to me that Ally should offer an opportunity to opt out of such one-time transfers as required by Regulation E ( 12 CFR 1005.17 ( b ) ). Such transactions are more similar to one-time debit or ATM transactions than they are to reoccurring bill pay or check payments, and so I strongly feel they should be subject to the opt out requirement as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-22
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2019 Atm Withdrawal Without Charge 1 {$140.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Atm Fee-bal Inq At Other Network {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$310.00} these fees and transactions are not mine 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 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by a firm called XXXX XXXX XXXX who told me I owe money on a credit card account from 2009. They said that including court costs and filing fees, I was responsible for {$6600.00}, but that if I paid them {$2000.00} today they would stop court proceedings. They did have a lot of personal information about me and even threatened wage garnishment at my current place of work, which they knew. I got increasingly suspicious and hung up to call the credit card company the debt is supposedly with ( I am still on the phone with them to try to confirm whether this is a legitimate debt ). After I hung up on XXXX XXXX XXXX, they called me four times in succession, which made me even more suspicious. I did not answer because I was on the phone with the credit card company at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: SLM CORPORATION
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After numerous harassing calls, I have decided to set up an account with my bank to make monthly. To stop their " bleeding calls '', I called to tell them of my intent to start monthly payments beginning XXXX XXXX of 2017. I was shocked when I was told to give them my card or account number to make the first payment so they can forgive the past due amount. I offered to sen a check, but that was not good enough. They wanted all the information over the phone immediately. Sounds fishy to me. They even offered to wait two weeks to charge my account. Makes no sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The credit reporting system is dependent upon my consumer report displaying fair and accurate information. On XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX XXXX added a derogatory mark on my credit report per Equifax. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Equifax has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX, XXXX, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dear Cfpb team, My apologies for just back to the bank institution and your department today. This complaint is in regards to a previously closed case XXXX. I found out today the envelope from Wells Fargo Tracking number : XXXX Case Number : XXXX with a mediation request form and the credit card statements one of the envelopes one was received on XX/XX/2020, and for the second one I lost the envelope. The case status is closed and monetary resolve for {$250.00}. I didn't submit the mediation request form and I didn't receive a call in regards to this case accepting the {$250.00} amount my resolution amount was {$450.00}. 

Please let me know when and where this money was deposited or check mailed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-23
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 XXXX XXXX, Account # XXXX XXXX Dept Of Ed Account # XXXX XXXX XXXX XXXX Account  # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also stated 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
Consumer complaint received 2015-11-03
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
" Credit Collections '' at XXXX continues to call my numbers multiple times per week after I have written, submitted online requests and verbally informed them that the person they are attempting to collect a debt from XXXX my ex, XXXX XXXX XXXX moved out in 2010. I have informed them he can not be reached at my numbers XXXX XXXX, XXXX XXXX multiple times but they continue to call repeatedly. I.e. last Tuesday they called 5 times between XXXX and XXXX, then called twice on Friday afternoon while I was trying to work. I have zero responsibility for my ex 's debts and am tired of this company harassing me even after I gave them his new number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian credit reporting is giving me the WRONG score. I had my credit checked by a mortgage lender just yesterday and was told that it was XXXX. Today I had problems logging into my Experian " account ''. They kept calling via bot to my XXXX XXXX  and did not give me the option for a text. Well, if you start speaking and do not follow the prompts, you will miss the message. They do that to make you give them your REAL cell phone number. I finally outed them on XXXX and I got someone to call me. Today, my score was XXXX!!!! How can it be that big of difference? In one day? They are fraudulently giving me numbers because they want me to purchase their products and I outed them on social media to other consumers who were having trouble because of them. They are retaliating against me! They also told if I wanted to add my yearly income that might help my FICO. Your score is your score regardless! I think they want me to PAY for Experian " boost ''.

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 2021-12-15
Company: CHS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called this company multiple times to get my account number to pay my debt, every time I speak with the representatives here in XXXX, Virginia, they are rude even though I am trying to pay. They won't take payment over the phone. They stated they are sending me the information in the mail multiple times and I never get anything. I made sure they had my correct address and everything. They will not send me anything. My credit score is being affected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: NCC Business Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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 XXXX XXXX, Account # XXXX XXXX Dept Of Ed Account # XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 SECTION 602A states I have the right to privacy.

15 U.S.C. 1681 SECTION 604A SECTION 2 : It also stated 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
Consumer complaint received 2022-01-24
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:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband recently died a tragic death. He had a XXXX credit card that I was not aware of. He was the primary cardholder. If I was an authorized user I did not know it. I gave XXXX notice of his death ; provided information to close out his homeowner and auto insurance and started a new account with XXXX. I was in the early stages of refinancing our home and a derogatory credit comment showed up on my credit report XXXX : my deceased husbands XXXX credit card. I called XXXX and spoke to someone in the credit card department and explained the situation to them, I was told there was no derogatory or negative information on my credit from them, I was referred to the credit dispute department : Credit Bureau Dispute over Deceased Accounts and I was told to fax a letter to them, they will review, and it will take approximately XXXX days before it is removed from the respective credit bureaus. I completed all that I was told to do and the letter was faxed XXXX XXXX, 2015. It still remains on my credit report and refinancing my home is on hold. I have not anything further from this department or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A bank account was opened XX/XX/XXXX, under my name using my social security number that I did not authorize.

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 2022-07-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX my account was charged {$120.00} for balance transfer fees. 

Upon closer review, WellsFargo consolidated 2 of my existing transfers in to one expiring in XX/XX/2023. The other 2 were to expire in XXXX XXXX and XXXX XXXX. 

I did not request the new transfer/consolidation nor did I agree to the incurrence of fees. This is a fraudulent act by WellsFargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-23
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 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 a account without my written instruction

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 2022-07-23
Company: EQUIFAX, INC.
State: CO
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 went to a car dealership and was told XXXX would run my credit to see if I qualified for their financing, but when I checked my credit report it showed a whole lot of hard inquiries that I did not approve. The list is as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BSI Financial Holdings, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint concerns a mortgage with BSI Financial Services. On XX/XX/2021, BSI deducted {$4100.00} from my mortgages escrow account to pay property taxes in Washington XXXX DC. But BSI placed the wrong lot/parcel number on the payment, meaning that the amount was NOT paid for my property. BSI paid taxes for a property with lot number XXXX, but MY property has lot number XXXX. I became aware of BSIs mistake in XXXX 2021, called the company several times to investigate the problem, and worked to set the record straight. BSI proceeded to pay my propertys taxes by deducting another {$6500.00} on XXXX/XXXX/2021 from the mortgage escrow account so that my property taxes are now up-to-date. 

The problem? BSI has not refunded my escrow account the {$4100.00} that it had paid in error to lot number XXXX. As a direct result, my escrow balance is significantly negative ( - {$2600.00} ) and for the year ahead BSI is increasing my monthly payments by a whopping {$410.00} to cover the escrow account deficit. In other words, BSI is passing the cost of their error directly onto me by deducting these tax payments -- whether for my property or not -- from the escrow balance. 

BSI has not been helpful in resolving this problem. Every time I call the company, I am told that the issue is getting flagged for the tax department but I am never allowed to talk to the tax department directly in order to get even a simple confirmation that my case is under active work. Nor am I allowed to talk with a supervisor despite the customer service representative saying that s/he is consulting with a supervisor. I also receive reassurances that I will be called back with an update but that has yet to happen. I say this having called BSI at least 20 times and literally having spent hours trying to resolve the issue by phone. Emails go unanswered or vaguely answered too.

Company response to consumer: Closed with explanation