BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: ID
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 filed The Erronious nater of the Collection on XXXX and the Credit XXXX XXXX XXXX called the Cllection agency did not ask for proof did not acknowledge that the Service was never used that we sent them proof that the Equipment was returned with a signed, which we downloaded to their site as requested.. this is holding up an Approval and I wouls Appreciate your Consideration in this matter.

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 2023-07-08
Company: EQUIFAX, INC.
State: NM
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.

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 2022-10-07
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/2022 To : Equifax, XXXX and XXXX, Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, XXXX  XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, consumer, and I have been appointed and accepted being executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it : whereas, I of age, majority, give this herein notice to all, I make a solemn oath to the one and only most high of the creation only, whoever that may be, and I depose the following facts, so be it, now present : In accordance with the Fair Credit Reporting Act the following accounts have violated my federally protected consumer privacy and confidentiality laws under 15 USC 1681. 
Accounts : XXXX XXXXXXXX XXXX ACCT XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX AZ XXXX ID NUMB # XXXX, 15 USC 1681 ( a ) ( 4 ) states I have the right to privacy. 

15 USC 1681 ( b ) states that reasonable procedures to be fair and equitable to the consumer, with regards to the confidentiality and proper use.

15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish any information on an account without written instruction of the consumer to whom it relates.

15 USC 1681c ( a ) ( 5 ) states that 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 7 years.

15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681n ( a ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

REMOVE ALL ACCOUNTS INSTRUCTED BY ME AND SEND ME COMPENSATION FOR EACH FEDERAL VIOLATION PERSUANT TO THE FAIR CREDIT REPORTING ACT.

THIS IS MY WRIITEN INSTRUCTION AND MY REQUEST TO PRIVACY AND CONFIDENTIALITY UNDER MY FEDERAL PROTECTED RIGHTS.

I have requested these be removed and deleted several times now next notice will be an intent to sue. 
RESPECTFULLY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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.

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
Consumer complaint received 2022-04-10
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested to our mortgage lender to remove XXXX, based on the value of the home. I ordered an appraisal on XX/XX/22. Between the date of ordering and XX/XX/22, I followed up 6 times. Both by phone and email. The person in charge of this process at the bank, First National Bank of Omaha ( FNBO ), is named XXXX XXXX. She responded each time that she only orders the appraisal, and has no control. After trying to get a resolution for 5 weeks, she told me its not really a problem because if its approved, well retro this to when you asked, and credit the XXXX back. I told her this is an unacceptable answer, and its taken far too long. She agreed it had taken too long, but said she had no way to escalate this, or follow up. Come to find out a few days later on XX/XX/22, the appraisal was never accepted by anyone to do it. Even though someone came out to take pictures and measure the exterior of the house for the appraiser. This is ludicrous. She then suggested instead we do a XXXX, as it will be done by a local real estate agent. On XX/XX/22, she told me that when she ordered the XXXX, it cancelled our place in line for the appraisal, but she thought the XXXX would come back quickly. Nearly another month has passed, as it is now XX/XX/22 and we are no closer to reaching a resolution than when I started this months ago. There must be some path of recourse. This seems outrageous that a lender can simply say they have no way to check on this, no clue on when it the process will be completed if ever, and continue charging me every month for XXXX premiums that are unjustified.

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 2020-07-29
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 : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$0.00}, {$8000.00}, {$21000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is an HSBC account from XXXX, and was settled back in XXXX with another collection company by the name of XXXX XXXX XXXX. I just started receiving calls from the company this week from a XXXX, they are leaving long messages advising they are trying to catch up with me, they are filing court documents, they have given me information about my car, my old residence as well as advising to get my license suspended for not paying the debt. My daughter reached out to HSBC XX/XX/XXXX to see who this company is because the company will not give out any information at all no addresses nor first or last names, they get very hostile with customers that they are trying to collect debts on. HSBC advised that there are no longer any accounts in there system for me and if the company is not willing to give any information about their company then its most likely a scam. My daughter reached out to this company who goes by XXXX XXXX XXXX which there is no information available on line about this company. And advised the same account number given was paid back in XXXX, the representative then advised her to send through email. My daughter then advised she will not she will like to get a physical address to mail, in return the rep sent her to a voicemail because she advised she did n't have the address. And said it will be quicker to just email the information to show the debt had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 and XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX Bankruptcy XXXX XXXX-dismissed, Account XXXX, have 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 an account without my 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 2023-02-18
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 XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-04-10
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX Genesis FS Card Service is all of a sudden charging a way higher monthly charge when my balance is actually less than it's been in a year. 
I have a {$1500.00} Credit limit. I currently carry a balance of {$810.00} and they are charging me a monthly charge of {$90.00}. I called them on XX/XX/XXXX @ XXXX and disputed the charge. They couldn't explain why the sudden increase and said they would have someone call me regarding the dispute. That never happened. The fact is that in the past my balance/ monthly charge have been the following.. 
XX/XX/XXXX {$870.00} {$72.00} monthly charge XX/XX/XXXX {$950.00} {$73.00} XXXX/XXXX {$930.00} {$47.00} XX/XX/XXXX {$970.00} {$49.00} XX/XX/XXXX {$1000.00} {$53.00} XX/XX/XXXX {$1100.00} {$55.00} XX/XX/XXXX {$1100.00} {$59.00} XX/XX/XXXX {$1200.00} {$64.00} XX/XX/XXXX {$1200.00} {$63.00} XX/XX/XXXX {$1300.00} {$66.00} XX/XX/XXXX {$1300.00} {$69.00} XX/XX/XXXX {$1400.00} {$70.00} This is the last statement available on line. 

But as you can see, I've carried higher balances and my monthly has adjusted accordingly. But when I asked them to explain how they came upon charging me {$90.00} they said it was due to the purchase I made back in XX/XX/XXXX. Funny, because my statement with my charges from XXXX were posted on my bill due on XX/XX/XXXX, since the statement closing date is XX/XX/XXXX. In the month of XX/XX/XXXX I also paid down my card making a total of {$880.00} and the new purchases were in the amount of {$190.00} and {$690.00} ( which has a promotional 0 % until XX/XX/XXXX ). 
Are they trying to penalize me for paying down my card?? I paid off 90 % of my previous balance before the closing of XXXX and all of a sudden starting XX/XX/XXXX my monthly charge sky rocketed. 
Like I said, I called them was on the phone for XXXX minutes and they couldn't give me an explanation of why they were now charging me {$90.00}, they said someone would call me back since I was disputing the charges and no one did. I didn't pay the {$90.00} due on XXXX ( also now I'm not allowed to pay my bill early, it can only be on the due date ) so they are now charging me {$180.00}?????? They are very unprofessional and it's evident the staff is not well trained and management does not care about resolving a customers issue with billing. Since closing my card is not an option because it would hurt my credit, I come to you to help me resolve this. 
Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT MANAG Last reported XX/XX/2022 {$5400.00} Open balance Improper use of my credit report. 

In accordance with the fair credit reporting act, this creditor, MIDLAND CREDIT MANAGEMENT has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy.

15 U.S.C. 1582 section 604A state to consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose It is my request that this account be removed from my credit bureau XXXX XXXX and any other credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Gift Card Order # XXXX - {$4000.00} Gift Card Order # XXXX - {$5000.00} Gift Card Order # XXXX - {$20000.00} All American Express Gift Cards purchased online through American Express with an American Express Gift Card. Gift cards were received only to find that they had been partially used before receiving them. Someone had hacked into their site or something and was using them all over the country. Upon contacting American Express they deferred us to the American Express Gift Card department who then told us we personally had to contact each vendor that we see the fraudulent charge was used and try get our money back that way. I feel that we should be getting the money back from American Express as they are the ones who sent the fraudulent products. No one wants to help and just keeps passing the buck. I have spent days on the phone being passed back and forth to each company with no avail. This is just wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
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.

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
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: WI
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:
15 U.S.C 1681 Section 602 A.states I have the rights to privacyC 15 U.S.C .1681 Section A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction account numbers XXXX XXXX XXXX account number 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: CADENCE BANK
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently I contacted Cadence Bank to have my PMI removed as the value has drastically increased according to my property tax records. My home has been owned for many years now, and Candence now calculates my escrow using county records. When I called, Cadence asked me to provide me with a copy of the county records and submitted this as requested. Public records show my home to be valued at {$200000.00}. On XX/XX/2023 I received a declination for my PMI declination, as Cadence indicated that although my escrow was being calculated on this amount, they would still honor the sale price of what I purchased the home for which was {$140000.00}. They continued adding that the only way they would remove the PMI could either pay {$450.00} fee to request an appraisal, or {$190.00} to perform a Broker Price Opinion.

This in my opinion is unfair and deceptive as in the one hand my esrow is being calculated on the county value, however I'm being charge a monthly PMI for Cadence 's opinion that my home is worth considerably less. Does not make sense. The only would to fix it, is if I pay them more money. Doesn't seem right. 

My current mortgage balance is {$120000.00} as of the date of the letter I received from Cadence Bank.

Company response to consumer: Closed with explanation