BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-31
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a conventional mortgage with U.S. Bank Home Mortgage a year ago to purchase my first home. 

I opted at that time to escrow my County taxes and Hazard Insurance monthly so that they would be paid automatically twice a year. 
At closing, I had put a deposit of {$3500.00} in anticipation of 6 months of property taxes. Thereafter, {$670.00} has been deposited into the escrow account monthly. I was given the impression that the Bank had correctly calculated these figures based on county tax rates and homeowner 's insurance premium, information that was retrievable to them.

I understand that County taxes and homeowner insurance premiums can change year to year and that these are my responsibilities. I was not prepared to receive an Annual Escrow Account Disclosure Statement with reported SHORTAGE of {$2900.00}!! Additionally, my escrow Deposit will increase from {$670.00} to {$840.00} monthly!

This obviously comes as a shock to any first time homeowner. 

I have called the US Bank customer hotline to determine the cause of this shortage. The representative points to yearly changes in County taxes and Homeowners insurance as probable cause of this shortage, but I point out that the increases don't add up to {$2900.00}. 

I have reached out to the Loan Originator from U.S. Bank but he tells me to call the 1-800 hotline and that perhaps a lower tax rate was used and not adjusted in the final closing documents, to paraphrase. 

I think I demand a better and thorough explanation from U.S. Bank. It makes me feel that I agreed to terms of a mortgage ( along with an annual escrow amount ) that was not fully accurate.

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 2021-09-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I feel the company violated my consumer rights, which i have proof of! 

They owe me remedy per violation they committed. I will begin to further explain. 

I spoke with XXXX XXXX & XXXX XXXX The company " XXXX XXXX XXXX '' as shown in screenshot of phone call received or " Convergent Outsourcing '' as stated on the phone by XXXX XXXX who addressed himself as the manager. I began to let him know that I do not owe said alleged debt, and i am aware of my rights in which they are in violation of. At that point XXXX Who represents said company as manager began to state verbatim " most people talk out of their XXXX and are really XXXX and do not know the laws '' at that moment i alerted him i will be filing a report with the CFPB to exercise said rights. I spoke with this same company the day prior and told them DO NOT call my telephone anymore, at which point they obviously ignored, and were Willfully Noncompliant as per 15 U.S. Code 1681n - Civil liability for willful noncompliance Pursuant to federal Law, I am The Original Creditor, Natural Person, & Consumer Per 15 USC 1692A.

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 2023-06-15
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:
This CFPB complaint is for you to notify that I want to request the complete accuracy of the accounts listed here. I am disappointed about this issue and for this reason, I want you to conduct an immediate investigation to update these information with the correct accounts on my credit report. I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus XXXX XXXX Balance Owed : {$510.00} - Your listing contains multiple errors that are significantly damaging to my credit score. The balance, payment status, and date of last payment that you have reported are all incorrect, and I dispute their accuracy. Let me be clear : I have never been late on any payments, and I have always made my payments on time. Therefore, I demand that you update my credit report immediately, as required by law, to reflect the accurate information. XXXX XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that the item on my credit report is not only inaccurate but also completely false. The account in question is closed with a zero balance, yet it is being reported as past due. I demand that you rectify this error immediately, as this false reporting is significantly damaging to my credit score and reputation. XXXX XXXX XXXX Balance Owed : {$2800.00} - This account 's payment history and status are disgustingly inaccurate. A charge-off MUST show a big fat zero balance, no exceptions! Your careless mistake is screwing up my credit and I won't tolerate it any longer. Either provide solid proof of the last payment, or get this garbage off my file ASAP! XXXX XXXX Balance Owed : {$160.00} - The payment history and status on this account appear to be inaccurate. According to policy, a charge-off should have a balance of zero. This misinformation is negatively affecting my credit, and I kindly request that you provide proof of the last payment. If this can not be provided, I would appreciate it if this information could be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I sent Southern Credit Recovery, INC an Affidavit of Truth regarding an alleged debt from a hospital bill

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2021 I was turned down for a credit card that I applied for stating a fraud alert was on my credit report I submitted my drivers license as proof of who I was. Waited four days as I was instructed for the fraud alert to be removed called in and spoke to the representative He stated the fraud alert would be removed and I called back in four hours later and the fraud alert was put back on my account! I knew the representative who stated the fraud alert was removed really did nothing about it I asked to speak to a supervisor he again stated the fraud alert was removed after 10 minutes of holding on the phone for a supervisor I called the next day to make sure the fraud alert was removed she said no it was removed and then somebody put it back on again! I stated this is ridiculous 20 minutes on hold to speak to somebody at Experian I wanted to speak to a supervisor and which one never called me back I stated I wanted the call to be listened to since everything is recorded and I wanted to know who put the alert back on my account after it was removed because I definitely stated I did not want the fraud alert on my report so somebody at Experian decided they wanted to put the fraud alert on my account without my permission and again never spoke to a supervisor who was supposed to call me back never spoke to anybody from Experian nobody was concerned about 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 non-monetary relief
Consumer complaint received 2023-06-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Macy 's store card has reported a balance of {$1700.00} for more than a year. This balance was paid off at that time. I have called them numerous times. They have blamed it on the credit reporting agencies. However, the credit reporting agency only reports what Macy 's [ or the card company that carries their name ]. We have made numerous calls to Macy 's even escalating to a Supervisor to no avail. In addition, we have reported an incorrect balance a number of times to all 3 credit bureaus. the credit bureaus agree and remove the balance of {$1700.00} being reported. Each month after, Macy 's again reports the balance as {$1700.00}.

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 2020-12-30
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2022-07-12
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to log into my account since XX/XX/XXXX and have not been able to. I keep receiving an error message that my account is closed. My account was closed XXXX XXXX, however, I was still able to log in and make payments, see statements, etc. 

I am now no longer able to log into my user portal and make payments and see statements because I am haulted at the " account closed '' screen. If my account is closed, and I am unable to make a payment, I would like Comenity to erase my account balance before it reports as delinquent to my credit reports. Every time I call customer service to inquire about my account, I either get disconnected or the representative can not locate my account. I am also unable to make a payment via phone because it can not locate my account. This is a nightmare! 

I have made good faith efforts to log in. I have attached a screenshot of the error page that I land on after entering in my username/password.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: SC
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 fair credit reporting act XXXX account 1234 has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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. 


XXXX  XXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$140.00} Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXXL Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct?

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 2021-03-03
Company: Title365 Holding Co.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
{$2800.00} was incorrectly and unnecessarily collected by Title365 at closing of this refi as prepaid by loan servicer, XXXX XXXX, to be paid as property tax to XXXX County for the XX/XX/XXXX year. Section F of Closing Disclosure. 

However, after calling the XXXX County Trustee 's office it was reported that only one payment was received by previous mortgage servicer, XXXX XXXX, on XX/XX/XXXX, as all mortgage servicers probably do for this county in advance of it being due. 

This money was collected by Title365 and never used for what it was meant for. My loan is collecting interest on this for no reason. I want all of the money back with a credit for the undue interest as a check, or added into escrow to be disbursed as overpayment later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: AmeriHome Mortgage Company, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
On XX/XX/23, I spoke with Amerihome Mortgage and they said they were mailing me a forbearance application which I never received. I called Amerihome back on XX/XX/23 to let them know I never received the application. They said they were going to mail it to me again. I have never received the forbearance application. I'm trying to prevent foreclosure on my elderly mother 's home while I figure out how to get her caught up on payments. I feel like Amerihome is not helping me in this situation.

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 2023-09-23
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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:
To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Without any fraudulent inquiries, be immediately deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

I have attached my driver license, social security card, utility bill, and identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: CA
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:
To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$32000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to reques
t the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I filed an identity theft with Transunion. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Transunion has failed to remove and block this item from my consumer report. XX/XX/2023 they responded with a letter saying that my request is declined becaus they have determined that my request was made in error ; is a misrepresentation of material fact relevant to the requst to block and /or I have obtained possession of goods, services or money as aresult of the transaction issue. This is a violation of my consumer rights. I am demanding the immediate removal and blocking of this item from 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 non-monetary relief
Consumer complaint received 2020-12-30
Company: Bread Financial 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:
Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XX/XX/XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XX/XX/XXXX. After my XXXX XXXX ended, unknown accounts were open in my name. I now have alerts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed with the bureaus on XX/XX/, and XX/XX/ but they did not remove the items below. 

Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation