BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Bank has been non-responsive to significantly large errors estimating property tax escrow on our new home loan. We have received 3 different notices from Citizens with 3 different amounts about our monthly mortgage loan payment as well as different information about whether our loan is a non-escrow loan or an escrow loan. Citizens Bank is using an annual tax amount of {$6400.00} ( escrow of {$530.00} per month ). This amount is wrong and more than twice as much as it ought to be. 

Our home is in an unincorporated rural area outside the city limits of XXXX, NC. It is subject to XXXX XXXX taxes only. The XXXX XXXX tax rate for XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ) is 0.4850 ( XXXX cents per {$100.00} value ) and the XXXX tax rate is not yet determined. XXXX XXXX just completed a countywide revaluation which will likely mean a lower XXXX tax rate. But, assuming the XXXX XXXX XXXX tax rate remains unchanged, then the XXXX property tax on our home would be the assessed value of {$630000.00} times the tax rate of .00485 or {$3000.00} ( Please see attachments ). 

Citizens Bank is collecting {$530.00} per month for tax escrow when the monthly amount ought to be {$250.00}. This is grossly unfair to me and is putting an unnecessary burden on my family finances. 

I have placed numerous phone calls with Citizens Bank 's tax and escrow departments, as well as with the loan originator and loan processor. They all say there is nothing they can do and point to another department or each other and try to deflect the problem at someone else. 

I sent a certified letter to XXXX XXXX XXXX XXXX, Chairman & Chief Executive Officer of Citizens Bank in Rhode Island which he received Monday, XX/XX/XXXX. NO RESPONSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: EQUIFAX, 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:
n 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 In accordance with the Fair Credit Reporting act XXXX Account 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 instructions 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 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX5 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 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 In accordance with the Fair Credit Reporting act XXXX 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 a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
XXXX5 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have tried to resolve this problem since the end of XXXX. They just sent me a refund check for {$1.00}, and said they closed my account. If you look at the photos I have included, I have {$600.00} in my rainy day fund. Dont you think they American Express Serve would include the {$600.00} in my refund check! I have filed a complaint before and thats when they sent my {$1.00}. I can still move money from my main account to my rainy day account even after they sent this letter about closing my account, how in the world could the smart guys at American Express miss {$600.00}? Unless???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account name : XXXXXXXX XXXX Account number # XXXX has violated numerous codes inaccurate dates, balances and account types I will be uploading pictures underneath i demand a investigation and need this to be deleted off my credit report immediately due to violating section XXXX because it is incorrect or unverifiable.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed multiple disputes with XXXX credit bureau to fix an incorrect Educational Loan balance with Multiple disputes. Despite providing updated account information from the loan company, each dispute is returned with no updated change on the 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 explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-05-12
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has two charged off closed accounts listed twice - dragging down credit score compared to other agencies and despite disputes and phone calls over three years. Refuse to fix report. You can plainly see these are the same accounts with different open dates to extend the time that it can stay on my 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 explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 

UNAUTHORIZED INQUIRIES 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: MD
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:
According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between a corporation and an individual the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. Please delete pursuant to the law mentioned in the above sentence all late payments, and/or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account 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 explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Victim of identity theft. Use of social security number without authorization to obtain 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 non-monetary relief
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom may be concern, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : XXXX reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681p ] Best regards, 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 2023-08-17
Company: Experian Information Solutions 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:
I have made multiple attempts with this Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agencies and XXXX regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX EXPERIAN REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened AS XX/XX/XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened XX/XX/XXXX EXPERIAN , AND XXXX STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN AND XXXX still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.

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 2023-04-01
Company: OneMain Finance Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The card in question is the XXXX XXXX XXXX by OneMain Financial XXXX I applied for the card and was approved on XX/XX/23. I received the card on XX/XX/23. At the time I received the card it came to my attention that there was no web site available to monitor the card on my PC. Everything must be done via an app. I am a senior and not all that tech savvy and I have no apps on my cell, I pay all of my bills via a paper statement. I spent a week trying to get their website to work and was repeatedly told their " website was not available at this time '' and they do no issue paper statements. Via a phone call on XXXX, I requested they close my account and SEND ME NOTIFICATION that my account was closed. I was told I would receive a letter verifying the account was closed. XXXX week later I called the number on the back of the card, which I had cut in half and via the phone I was told the account was open and what was available to spend. One week after that, I made another phone call and received the exact same information. On XXXX, I spoke with a representative at that number and was told that system will tell me the account is open, but my account is closed. Huh????? How can it show it is open with an available balance but be closed?? I again asked for a written letter stating the account is closed via my request and here we are in XXXX and still no letter. I am getting no where with this company and I feel they keep giving me the run around ... .They could have typed and sent me a closed confirmation letter faster than I typed this to you. Can you help please get them so send me a written, paper letter verifying the account is actually closed? Thank you so much for your time. On a side note, I kind of feel it's kind of age discriminatory as many people in my age bracket and older don't use an app, don't even know how to use an app for them to issue a credit card without providing a website to use and monitor and for them not to mail out paper statements. Thank you again for your time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: PACIFIC PREMIER BANCORP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a charge on my account in a written letter involving a delivery problem with an XXXX XXXX  purchase. Despite acknowledging the letter, the bank is claiming that I have not formally disputed the charge and that I need to go to their branch or call them on the phone to do so. This is a violation of my consumer rights. I have the right to dispute in writing. In fact, that is the proper way to file disputes. Furthermore, I am concerned about this pattern of conduct from the bank. For example, I have previously written a detailed letter to them about bank fees that they contacted me about, without asking any questions the letter did not address. The bank seems to have a problem conducting business with me in writing, which is suspicious. I am not impressed with their lack of professionalism.

Company response to consumer: Closed with explanation