BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
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:
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 2022-12-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter on XXXX XXXX, 2022, but unfortunately, I didn't get the response I was expecting to get so I'm asking the help of the CFPB for this to be resolved I hope this time you proceed with the investigation for this matter of great importance to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CBC Companies, 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:
XXXX and XXXX has my whole credit report screwed up see the ftc and all documents to settle my case pls XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX all not mine addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-10
Company: DISCOVER BANK
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Ive had discover card for about a few years now of which I always paid on time. Now there was a point where I was not working so I had a hard time paying it so it did go unpaid which I take full responsibility for. When I was able I put {$2000.00} towards the bill and am back to paying on time as normal. The time when I was unable to pay they suspended my spending privileges, Ive reach out multiple times to get it unsuspended and request has been denied. Times are hard its inflation. I would like to use the card. Paying on time is not an issue whatsoever but atleast give me a card and let me use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have two hard credit inquiries on my credit from Bank of America. One on XX/XX/2022 and one on XX/XX/2022. These are false inquiries and are fraud. Someone has been applying for credit cards through Bank Of America in my and my spouses names.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclays Bank has a pattern of applying payments that were received on time after the payment due date, resulting in late payment fees and interest charges. This has happened most recently to me with my XXXX and XXXX payments, but it has also happened previously. This is not a one-off issue. It is a practice. 

This most recent case is typical : my bank says it made payment on XX/XX/XXXX. Barclays own record reveals receipt on XX/XX/XXXX, the due date. Yet the payment is not posted until XX/XX/XXXX, and late fees and interest are charged. 

I have called the company numerous times and written to it twice. Most times, after some back and forth, the charges have been reversed. I believe it repeats this practice with many other customers.

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 2023-09-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. XXXX XXXX XXXX has two account on one report account number are XXXX and other report account number is XXXX neither accounts are mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I signed for this mortgage in XX/XX/XXXX. I recently received an Annual Escrow Account Disclosure Statement informing me that my monthly payment will be increased by {$590.00}. After many calls and about hours spent trying to resolve this I was informed that there are no supervisors who will discuss this issue with me. 

When I signed for the loan I selected the terms of the loan based on the payment estimates I was given by PMRI. I was not told that this payment did not include my homeowners insurance. Apparently they neglected to collect for the mortgage insurance payment for 18 months which put me in a low escrow balance situation. They recently discovered this oversight and and are demanding that I repay the 'shortage ' in one year. 

I am a senior living on a fixed income. An increase of nearly {$600.00} per month will cause hardship. 

If they had quoted the proper payment amounts at the time of the loan origination I could have selected different terms. I did no have that opportunity due to their error. 

PRMI 's failure to notice that they were not collecting for the homeowners insurance should not have gone unnoticed for 18 months. Their poor financial controls are causing me unnecessary hardship. 

In addition, my homeowners insurance cost {$2400.00} which they paid on XX/XX/XXXX. But they are charging me for XXXX, which is {$380.00} more than the actual cost they paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER REVIEWING MY CREDIT REPORT. I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

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 2022-11-30
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/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 ), and ( INFORMATIVE : Date of inquiry : XX/XX/2022 ) 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
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Date XXXX inquiry : XX/XX/2022 ), and ( INFORMATIVE : Date of inquiry : XX/XX/2022 ) 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 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 2023-07-20
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an existing account with US Bank and also XXXX accounts with XXXX XXXX XXXX in another state. I went to open XXXX more USBank savings accounts so I could transfer my childrens social security survivor benefit accounts to a bank in state, because we moved and did not have access to XXXX XXXX branch locations in our new state. I wrote myself a check from my XXXX XXXX Account to be deposited into my USBank account XX/XX/XXXX for the entire amount of my childrens accounts to bring them to a XXXX balance so I could close the accounts at XXXX XXXX. I mobile deposited the check and they at first gave me access to some of the funds, but then put a hold in the entire amount of the check. I was told they would have to hold it for XXXX business days to see if it would clear. I talked to several online bankers and tellers at USBank who said there was nothing they could do. The check cleared my FI account on XX/XX/XXXX. USBank still will not release my funds and online says to talk to branch and branch says they cant do anything because their branch XXXX is not in the building all week. There is no valid reason for them to not release my funds us bank received my money on the XXXX. Again this was the entire amount of that account which is causing me to not have access to our money to pay bills, eat or buy gas. All of my bills are due this week so I have to either try and pay them and hope they dont overdraft my account or incur late fees. If USBank had told me they put holds on check for XXXX business days I wouldnt have tried to transfer ALL of my money at once. This is financially catastrophic for me as I am we are a single income family and depend on the kids benefits to live. I dont understand why they wont release my funds when they were paid days ago.

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 2022-08-25
Company: PENTAGON FEDERAL CREDIT UNION
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Pentagon Federal Credit Union : Mortage Loan # XXXX XXXX XXXX XXXX # XXXX Manager : XXXX XXXX XXXX # XXXX The week of XX/XX/XXXX I applied for a VA Loan ith PenFed. 

I went through their process and although their loan officer XXXX XXXX was very slow to everything my realtor and myself were trying to acomplish he would only respond 1-2 times per week. Buying a home is very fast paced and XXXX did not do anything ti alleviate these issues. 

I continued through the process and ultimate paid {$2000.00} is earnest money, and a further {$450.00} for home inspection. 

The loan was ultimately denied with no warning. I would login into the portal and everything seemed fine. It hadn't gone to underwriting. 

Middle of XXXX : We have a deadline of XX/XX/XXXX. I called in to see what else I needed to complete. There was not. In fact no one had reviewed any of the documents that I had uploaded the week previously. I called in and a young lady informed me that i was denied and couldn't tell me why. 

She told me they cold not do seller credits/concessions EVEN though XXXX told my realtor we could. 

So far I am out {$2400.00} during this process. 
{$2000.00} in earnest money. 
{$450.00} home inspection. 
{$85.00} Home Inspection Annd time wasted. 

I escalated this situation to XXXX ' manager, XXXX XXXX XXXX # XXXX. 
he informed that he would return the {$450.00} for the home inspection. 

This afternoon, I emailed XXXX for an update. he informed me that the {$450.00} home inspection reimbursement funds could not be returned at is AN OPTIONAL FEE!! 

Please see the attached document : A PenFed checklist where nothing in there says OPTIONAL. I would not have spent my own money anywhere. 

No where in their doouments did it say anything was optional. 

The lanaguage in teh document states : Property-XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Provide a borrower signed clear termite inspection report and invoice dated within 90 days from closing

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 2017-05-12
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I,  XXXX   XXXX  file this complaint as my right under the Fair Debt Collection Practices Act have been violated pertaining to an offer to modify a mortgage. Under a stipulation of this act from  XXXX   XXXX ,  XXXX , I must be offered a modification package, and it does not matter if the property is owner-occupied or an income property. The fact that we discovered a modification package was mailed to me in  XXXX  of  XXXX  proves that the mortgage servicer known as Nationstar Mortgage offered this modification as  a Tier II  program proves that multi-income properties are part of all national bank modification programs. I never received this modification request as it was mailed to a post office box I dis-continued in  XXXX . Nationstar Mortgage had to get the request back by mail if they indeed sent it. At all times Nationstar Mortgage knew my home address as  XXXX   XXXX   XXXX ,  XXXX , New York  XXXX . I have recently hired a law firm known as the  XXXX   XXXX   XXXX  to do my modifications on all my properties. I was able to procure a modification on my personal resident through this law center. Now my second home is scheduled for a foreclosure for  XXXX   XXXX ,  XXXX . I have no other remedy but to file for a personal bankruptcy to prevent this foreclosure from happening. Rules are now being enforced through the Consumer Financial Protection Bureau pertaining to the numerous vi olation of mortgage servicers on foreclosure protocol. I still have an open claim for principal reduction with the Office of Inspector General Federal Housing Finance Agency that  could eventually structure my mortgage debt within reasonable properly value. However, my rights have been violated by Nationstar Mortgage in its entirety. Accordingly, I make this request for intervention by the Consumer Financial Protection Bureau to enforce the recent mandates by said agency with   XXXX   XXXX   XXXX  . I was never offered a modification, and the matter should be resolved through the  XXXX   XXXX   XXXX . Accordingly, I demand that a modification offer be mailed to my home address or emailed to  XXXX  XXXX  XXXX . I believe that I am well within my rights on this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i had contacted many times EQUIFAX XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -Sears/cbna Inquiry from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX, XXXX  Account XXXX XXXX , XXXX XXXX XXXX Account XXXX XXXX, And XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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:
Inquiry details XXXX XX/XX/2023 This hard inquiry was on my credit report and I did not authorize it.

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 2022-12-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2022, but unfortunately, I didn't get the response I was expecting to get so I'm asking the help of the CFPB for this to be resolved I hope this time you proceed with the investigation for this matter of great importance to me and my family.

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