BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: Caliber Home Loans, Inc.
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Caliber Home Loans. I'm a XXXX Veteran. I was granted significant property tax relief from the District of XXXX in XXXX of XXXX, which reduced my property taxes by roughly {$1700.00} at the time. 

XXXX did my annual escrow analysis in XX/XX/XXXX, and it failed to capture my newly reduced taxes. They also overpaid my taxes by ~ {$1700.00} in XX/XX/XXXX The incorrect escrow analysis triggered an escrow shortage, which raised my monthly payment by {$300.00} starting in XX/XX/XXXX. 

I complained about the tax problem multiple times on the phone, and sent emails via their internal messaging system between XX/XX/XXXX and today. I provided them with a copy of my current tax bill from the city of XXXX in XX/XX/XXXX, and they finally agreed to run a new escrow analysis, which I got back today The new analysis shows they still have not gotten the tax information right. The new analysis shows me paying an extra ~ {$3300.00} in taxes over the course of XXXX ( payments in XXXX and XXXX ) that I do not owe. This is on top of the {$1700.00} overpaid in XXXX, and no one can tell me where that money went. 

My actual tax bill due this month ( XXXX ) is {$1400.00}, and the same will be due in XX/XX/XXXX. My escrow analysis shows they're paying the city {$3100.00} in XXXX, and the same amount again in XXXX. That's more than twice the amount I actually owe PLEASE HELP. I can't afford to keep paying an extra {$300.00} per month for taxes that I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I filed a complaint to CFPB on the credit bureaus not accurately investing an account that has been reporting on my credit for the last 3 years incorrectly with the incorrect amount. On XX/XX/XXXX I received a email from Experian stating that yet again based on there investigation that it was verified and accurate. I sent a certified letter originally dated XX/XX/XXXX to let them know of the inconsistencies between all the bureaus to get this account resolved, where no one seem to care. With all of the different amounts I have been unable to verify who is honest so that the account could be resolved. Recently on XX/XX/XXXX I was contacted back by the lawyer in regards to the account in question. I questioned the amount and he guaranteed that his amount was accurate even after I told him that it was reporting an opposite amount on my credit. He then sent me the dated judgment filled and dated XX/XX/XXXX that showed the amount it should be {$4600.00} with lawyer fees added {$5300.00}. My credit report from Experian shows {$4500.00} charged off with a balance of {$5200.00}. Of course his amount is different from what is being reported like I have been saying for the last 3 years of my disputes. How was this account investigated? It seems no proof was provided for this account to be reported or investigated. If this account was verified by the creditor and the bureaus multiple times, why is the balance off, who is correct? I had faith that based off the FCRA laws that it would have been took more seriously. If this information was verified and correct then why do I have proof otherwise? Is the lawyer reporting it one amount and telling me a different amount for more? How is this ok? Better yet how are you allowing this and not protecting the consumer?

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 2020-04-28
Company: EQUIFAX, INC.
State: PA
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:
Equifax data breach XX/XX/XXXX. 
Final approval of settlement XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There has been an improper use of my credit report which shows some addresses and employer that I am not associated with. I do not have anything to do with the following addresses, irregular report of my personal information violated my consumer rights has none of this addresses are associate with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am disputing US Banks exercising the use of " right of Offset ''. On XX/XX/2023 US Bank charged my US bank Business checking account for {$7600.00}. There are several laws that prohibit the 'right of offset '' for non-secured consumer credit, such as credit cards. Here are a few : - Federal Reserve 's Board Regulation Z, 12 CFR Section 226.12 ( d ) ( 1 ).

- Truth and Lending Act. 
- Fair Debt Collection Practices Act. 

I called them immediately stating I dispute their use of " right of offset '', I also sent them a response letter on XX/XX/2023 stating I dispute their use of the 'right of offset '', and listed items that by law must be presented to legally prove their actions. They only left me with {$200.00} dollars in my account, when I complained about not being able to pay my mortgage, they sent me a check for {$1900.00}, 25 % of the total that they withdrew. After 5 more phone calls over the next couple of weeks, they could not give me an update, nor had they given me any documentation proving the legality of their use of the " right of offset ''. 
Finally, the last woman I spoke with said that I was sending all of this information to the wrong place and gave me a fax number, and a different address. I sent all of the information again to the new address and fax number on XX/XX/2023. They responded on XX/XX/2023, through the letter I have attached. 
The letter gives no legality of US Banks use of the " right of offset. They claim I gave them authorization when I signed up for the Credit Card. They sent me a copy of a contract, without my signature or date on it, they allege that they are able to use the " right of offset '', But in the very next paragraph of the contract it states that the right of offset does not apply " to a debt that is created by a consumer credit transaction under a credit card plan ''. I am disputing US Banks exercising the use of " right of offset ''. It is not legal in this instance.

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 2018-03-15
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2017, I received a letter from this company regarding a debt that was supposedly owed to them. I sent a request to this company requesting verification of this debt. To date, verification has not been provided. I requested the legal documentation that shows I entered into a financial agreement with this company and theyve yet to provide. I have now received notification that theyve reported this account on my credit profile. This information needs to be removed immediately until requested documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Atlanticus Services Corporation
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this information early XXXX XXXX XXXX XXXX and with FoORTIVA. XXXX XXXX  never responded. Forgive responded stating this debt was no longer theirs. I responded with a debt validation and verification letter due to the fact I do not owe this debt and do nit have this account. Upon my credit report the information listed is very inaccurate, inconsistent, incomplete, not true and not whole. They are not filling the laws if FCRA or FDCPA nor is this compliant with metro 2 style formatting. This is account does not belong to me and they did not provide me with sufficient information proving so. This is also very inconsistent by looking at the 3b report. They are doing what they want and violating my rights. They have consistently and continuously lied and reported false inaccurate information please remove from my report ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX USA, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and Transunion to cease this reporting and they continue to simply send me to the other entity.

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several accounts reporting inaccurately on my credit report file. The following accounts are reporting inaccurately : Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Address : XXXX XXXX ( XXXX  ) Incorrect Name : XXXX ( XXXX  ) Incorrect Name : XXXX ( XXXX  ) The following accounts status is reporting inaccurate. I was never late on the following accounts : Dept of Education XXXX Open XX/XX/XXXX Bal. {$3500.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$3100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$860.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1100.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$1300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2300.00} ( I was never 90, 120, 150, or 180 days late ) Dept of Education XXXX Open XX/XX/XXXX Bal. {$2100.00} ( I was never 90, 120, 150, or 180 days late ) XXXX Open XX/XX/XXXX Bal. XXXX ( I was never 30 days late ) The following accounts does not belong to me/ Result of Identity Theft : XXXX Open XX/XX/XXXX Balance : XXXX ( XXXX  , TU, and XXXX  ) XXXX XXXX Date Open XX/XX/XXXX Bal. XXXX ( TU and XXXX  ) Bankruptcy Chapter XXXX  ( TU and 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 2018-03-15
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am hearing horrible things about this company and do not want to be a victim of predtatory lending. 
I received a loan which wasnt even {$10000.00} and they want me to pay {$15000.00} by XX/XX/2018. 
This company is a scam and the looophes they work by hurt the consumer tremendously. 
Nobody should have to go through this. I hope this gets fixed so other people dont fall into these false advertisentments and scams

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: AZ
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX. I currently live at XXXX XXXX XXXX XXXX OH XXXX. 
the following addresses are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete remove : ( 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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please See Attached Documents 15 USC 1681 S-2 You are a furnisher of information to the reporting to the credit bureau agencies . A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are PROHIBITED BY LAW to furnish accurate information. I demand you to CEASE and DECEASE of this inaccurate information immediately. You are hereby put on notice you have been reporting inaccurate information. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The lender must file a 1099-c and you a copy of the debt if more than XXXX XXXX and the lender is a federal institution, credit union, and government agency . Please send me my form 1099 c that they should of sent you that they filed as cancelled 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 2017-11-29
Company: EQUIFAX, INC.
State: OH
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:
There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with this debt collector by phone and told them this wasn't a debt I owed. They still sent me a letter insisting I acknowledge and pay this debt without any proof. This company should nt have ANY of my medical history. My medical history is protected by HIPPA, I dont know these people and why would they ave access to private medical information? Why is this legal and who are these people with my address and stating they have access to my medical history?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: AR
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 out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$3100.00} XXXX  XXXX/XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NY
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. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation