BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been affected by Covid Hardship, I have been trying to apply and submit Mortgage Assistance pack forms for many months and have been given a run around, I have been told to send and resend the Mortgage Assistance forms in many different times. I have been asked to withdraw the Application, so they can look at Covid options ( that they can't look at it I have a Application being reviewd ), then they say their are no option available, and I should resend in a new Morgage Assistance pack.

I have been told that, I was told that would not be sent to Foreclosure because they are and while they are reviewing my Application.

I was sent to Foreclosure, they lied to me.

Every time I call they tell me they need different information, I have called two different representative 's 5 min apart and they tell me total different things about my account. 
I have been lied to and miss directicted many times.

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 2022-04-21
Company: Experian Information Solutions Inc.
State: FL
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2018-05-21
Company: EQUIFAX, INC.
State: TN
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:
I had a medical bill that was assumed by myself in the amount of {$420.00} that was paid in full. I disputed the claim after the creditor agreed that I would pay the amount to delete from my credit report. After waiting 60 days, I contacted the bureaus ( Equifax, XXXX, XXXX ) again. The reason am I now filing a complaint is they have notated my account falsely and severely hurting my chances of obtaining new credit. 

They have put remarks into my account that I have received " Personal Receivership - Repayment by Court Trustee '' in paying this debt. NOT TRUE. I have NEVER even been to court, let along filed bankruptcy. I have no record of any other collection except for this account amounting in {$420.00} that I paid and submitted receipt for from my XXXX card. 

When I bought my vehicle 2 months ago, they came back to me about a bankruptcy!!! I was appalled! I have called the bureau several times, and disputed this account 4  times now. I will be obtaining a lawyer and moving forward with this, as this is hurting my livelihood. I have worked hard to earn the credit that I have, and now this is slamming me and my integrity into the ground. I have attached receipt to original debt that I paid with my XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CrossCountry Mortgage LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
The home was purchased in XXXX and Cross Country was the mortgage company that is carrying our VA loan. Starting in XXXX, my wife became XXXX and unable to work from a work place injury and as a result our household income dropped significantly. I had contact Cross Country on numerous occasions to see what help could be provided and they said there would be an application process that would take 45 days or longer, so rather than wait and become further in the arrears on payments, I took out a 401k loan in XXXX and again in XXXX to pay the entire arrears balance in full, but Cross Country continued to add fees, such as late fees and most recently, they were given 3 payments on separate days in XX/XX/XXXX and they did not reconcile their payments received and attempted to debit our bank account for a fourth payment when there was no fourth payment because the account only required 3 to make it whole and current, so another NSF was added to our account. The total of all of this is over XXXX dollars in fees. I'm a XXXX veteran who is trying to ensure my payments are made on my home and this is what the mortgage company chooses to do to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
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:
I received my reinvestigation back from Experian, XXXX and XXXX .They said everything is 100 % Complete and Accurate. I would like to receive the Description Of Reinvestigation Procedure According to FCRA 15 USC 1681i ( 7 ).

Because the list of account below are NOT ACCURATE. The Open date, date last active, account type, date last payment, past due, Last Reported and Payment History is NOT 100 % accurate. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX NUMBER : XXXX They did not modify or delete the inaccurate Information on my consumer report according to the FCRA 15 USC 1681i ( 5 ) ( A ) ( i ) I attached a copy of my Consumer report maked with all of the INACCURATE 'S as evidence.

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 2022-04-21
Company: EQUIFAX, INC.
State: AL
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:
Account : '' XXXX XXXX XXXX  '' Closed, reporting open.. 
Not only that they violated my consumer rights act ( 15 usc 1692e ) My whole life has been afflicted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To the Appropriate Officials, On behalf of XXXX XXXX, the juridical principal debtor, I, as a non-juridical representative, draft this grievance, resonating with genuine concern. 

The Longstanding Bond : Tracing back to XXXX, XXXX XXXX 's affiliation with American Express has been unbroken. This provokes the query : What prompts this complaint at this juncture? 

A Tale of Two Narratives : Theres an evident disparity between the narrative spun by American Express 's responses and our initial assertions. This gap pushes us to seek a higher avenue of redress.

Reflecting on the Past : Earlier grievances seem to have been prematurely archived without directly addressing the pivotal matters. Such oversight nudges us to take this intensified approach.

Navigating the Fog : Our endeavors for straightforward communication with American Express 's divisions often find us amidst murkiness, opposing our intentions for clear discourse. 

Enclosures : The documents attached serve as a beacon, illuminating our areas of concern. 

A Call for Action : I implore the CFPB to delve into this matter, seeking a transparent and equitable resolution. 

As an additional measure for transparency and to underscore the gravity of this matter, a hard copy of the pertinent attachments has been dispatched via certified mail. 

XXXX ( non juridical )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem getting your free annual credit report

Complaint:
I can't view my credit report mon the bureau website

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 2019-06-13
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:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Bank of America said to call the XXXX XXXX XXXX XXXX firm about Legal Order Fee, XXXX XXXX XX/XX/2023 {$86.00} {$1.00} {$2.00} {$7.00} {$2.00} {$7.00} Bank of America is taking " fees '' without my consent. 
Bank of America said they would not return the fees and would not help me understand what the fees were from.

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 2023-09-11
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Claimed XXXX, did reaffirmation of loan made all payments on time paid off early and they they report to credit bureaus all three as a charge off. Sent my XXXX XXXX into the tank, lowered my XXXX XXXX lower than when I claimed XXXX. This credit union is out for a very unfair vengeance. Other creditors did proper reporting but not this credit union. You get absolutely no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Western-Shamrock Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
So during a national pandemic and stay at home orders at the state level during COVID19! Western shamrock Loans and Attorney XXXX XXXX firm frivolously did a hard pull on my credit without contacting me although they have my number and affected my credit score no where in judgement does it state they have authority to do so as it supersedes the contract in my opinion they are blatantly frivolous in doing so during a national pandemic and they need investigated as they obviously only care about money and have NO care for any Missourian  or citizen of this state with regard to COVID19

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: DISCOVER BANK
State: CA
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:
1-Provide Accounting of Ghost/Floating Balance Placed on my Account in XX/XX/2019. 
2-Provide Accounting, Identify Balance of Ghost/Floating Balance Each Month since XX/XX/2019. Indicate the amount of payment applied to Ghost/Balance Applied since XX/XX/2019. 
3-Explain why Discover doesn't identify Ghost/Floating Balance on the last 24 statements in the " Interest Charge Calculations '' 4-Provide ACCOUNTING of specifically how much of the last 24 payments were applied to the Ghost/Floating Balance. 
5-Explain why Discover does not identify the Ghost/Floating Balance in the " INTEREST Charge Calculations '' as I'm being blindsided by Discover NOT providing any accounting in the last 24 months of statements. 
6-Provide Disclosures, Terms and COnditions for the actions you took without my permission.

7-You applied a balance to my account without providing disclosure, transparency and terms and conditions. I have made 50+ inquiries and DISCOVER provides information that I already have.

8-Provide a ledger of accounting for the last 24 months of the actual accounting of the ghost/floating balance and the payments applied to the ghost/floating balance Discover unilaterally created without my understanding, permission and consent. 
9-Explain why DISCOVER is hiding the numbers and the monthly accounting of the GHOST/Floating Balance on my account. I want a monthly accounting for the last 24 months of the money YOU WILL NOT IDENTIFY ON MY STATEMENT, it is only identified in a general balance.

Discover is acting COVERT in applying a GHOST/Floating Balance without providing me the accounting of the monies. You provided general information and HAVE NOT ADDRESSED THE ISSUE of the accounting of the ghost/floating balance, terms, conditions, consent. WHAT IS THE INTEREST RATE of the GHOST FLOATING BALANCE, IDENTIFY it on my monthly statement. I WANT FULL TRANSPARENCY and ACCOUNTING in ledger with terms and conditions. I DID NOT CONSENT TO WHAT OCCURRED. YOU TOOK THE MISTAKE OF YOUR EMPLOYEES AND MADE IT MY PROBLEM AND DISAPPEARED IN PROVIDING ME THE TERMS, CONDITIONS AND INTEREST RATE OF THE BALANCE YOU APPLIED TO MY ACCOUNT UNILATERALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report as it violates the FDCPA and FCRA regulations. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their inclusion violates multiple laws. Please take immediate action to remove these accounts and information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
To whom it may concern, Commencing on or around XXXX XXXX, 2022, I fell victim to two multi-layered scam operations run by XXXX, which involved me making deposits for a total amount of XXXX from my BofA account through an intermediary named XXXX  to these fraudulent investment companies.

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 2022-12-05
Company: Experian Information Solutions 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 non-monetary relief