BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: U.S. BANCORP
State: ND
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a HELOC with US BANK. I am participating in their hardship program. I have been in contact with US Bank for several months regarding my account. 
Earlier this year I informed US Bank I was going to apply for the HAF program as soon as it opens for applications in ND, where I reside. In XX/XX/2022 I applied to the program and was accepted pending mortgage statements from US Bank. I have requested mortgage statements on several occasions. XX/XX/2022 I spoke to a customer service rep requesting this information. I was transferred to a few different departments trying to speak to the people who could assist me. I was told my account couldn't be found but I would be connected with someone who could help. I contacted US Bank in XXXX and XXXX and was assured my statements would be mailed. I do not have dates for these calls. I called and spoke to an employee on XX/XX/XXXX and was again told the statements would be mailed. We discussed the HAF program, and I stressed the importance of submitting this final piece of information. On XX/XX/XXXX I contacted the bank again requesting my statements. Today is XX/XX/XXXX, after waiting for the day 's mail to arrive and no statements I decided to file here. USBank employees were all very professional and courteous, it just seemed like they were unclear on what department was doing what. I have been served with a summons and complaint for foreclosure. I was informed by US Bank that the summons was dismissed due to my participation In HAF. I am very fearful of losing this funding because of this paperwork and in turn losing my home. Thank You for your time.

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 2023-03-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has a collection on my account they refuse to remove. 
this is no my account. 
i do not have a contract agreed to pay with my wet ink signature and they have no legal validation not verification.

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 2022-12-16
Company: EdFinancial Services
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Servicing for my student loan has gone to Ed Financial. I have made some payments even though payments have been suspended and interest has been suspended. I try to budget each month and have been tracking my balance for all my debt. I felt that my payments had not been properly applied and went online to view my monthly statement. My balance on XX/XX/2022 was {$26.00}, XXXX. I made a payment of {$110.00}. My balance today, XX/XX/2022 is {$26000.00}, so the balance only changed by a dollar?. I could not view statements and had elected for paperless statements in the past. I called Ed Financial today, XX/XX/2022 to ask about the payments and try and get statement or payment information. The online payment does not show previous balance only the payment made. I was informed by XXXX with Ed Financial, that they do not send statements right now because of the payment suspension. I believe there is a regulation that if you make a payment, a statement has to be generated. I could be wrong, but if this is the case, then Ed Financial needs to be made aware of this so that they can follow Regulation. I will now have to wait 29 business days to receive my payment history breakdown via email. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This complaint is for Equifax Accounts in dispute XXXX ( what appears on my credit report ) XXXX ( I dont have the complete number account ; this is from a letter I received from XXXX XXXX XXXX Im writing regarding the account with XXXX XXXX XXXX On XXXX I purchased a property located at XXXX XXXX XXXX XXXX CA. However, I did not live in the property, as I rented the property. My address since XX/XX/XXXX, is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX. My identity was used to opened accounts fraudulently without my authorization using the address at XXXX XXXXXXXX XXXX XXXX CA. Ive been a victim of identity theft, my identity was used to open accounts with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX, and XXXX XXXX XXXX. I dont know the exact year in which the accounts where opened. 

When I contacted XXXX XXXX, they transfer me to the department of collection. They say they can not remove the account from my record because I made payments using a XXXX  XXXX XXXX account. However, the fraud department of XXXX  XXXX XXXX carried out an investigation and has resolved to close the accounts under name as they were opened fraudulently. In the same way the fraud department of XXXX XXXX did an investigation and deleted the accounts as well. 
Ive tried several times to contact XXXX XXXX, I sent them a copy of the identity theft police report, my apartment contract, and my utility bill. Yet XXXX XXXX refuse to delete the accounts from my credit report. 

Im requesting the XXXX XXXX accounts to be removed from my credit. Im attaching the police report, my apartment contract, my ID and SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to correct my personal information on file with the company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative accounts impacting my credit : XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CAINE & WEINER COMPANY you have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability 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 explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 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 2023-06-20
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Each justice or judge of the United States shall take the following oath or affirmation before performing the duties of his office : " I, _, do solemnly swear ( or affirm ) that I will administer justice without respect to persons, and do equal right to the poor and to the rich, and that I will faithfully and impartially discharge and perform all the duties incumbent upon me as _ under the Constitution and laws of the United States. So help me God. '' 1906, Hale v. Henkel has been cited by the Federal and State Appellate Court systems over XXXX times! 
In nearly every instance when a case is cited, it has an impact on precedent authority of the cited case. 
Compared with other previously decided Supreme Court cases, no other case has surpassed Hale v.

Henkel in the number of times it has been cited by the courts. " The rights of the individuals are restricted only to the extent that they have been voluntarily surrendered by the citizenship to the agencies of government " Any judge [ or officer of the government ] who does not comply with his oath to the Constitution of the United States wars against that Constitution and engages in acts in violation of the supreme law of the land. The judge is engaged in acts of treason. '' Cooper v. Aaron, 358 U.S. 1, 78 S. Ct. 1401 ( 1958 ) XXXX COUNTY DEPARTMENT

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 2023-08-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account was closed by the store. I was told they no longer have a store credit card. This balance was paid and closed. It's listed as charge off.

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 2023-05-30
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: BSI Financial Holdings, Inc.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
OK - I sold and closed on a house I was flipping on XX/XX/XXXX. 

The company, BSI Financial Services, withheld {$8200.00} for insurance it said it purchased for the house when mine lapsed. I have asked for proof of this insurance with dates it was obtained and premium paid as there would be a refund due for at very least some 5 months. They have ignored my, and my attorney 's requests. Furthermore they have made no refund to date. 

The company was problematic in facilitating closing not providing timely payoff documents when requested and when they did, they were inaccurate. 
Then they suddenly decided to add {$4800.00} for Foreclosure legal fees to the Pay Off amount to be paid to them. I challenged this demanding an accounting of what this was they were charging me for as the property had not entered into foreclosure and was under contract at the time they came up with this number. In response they sent back a screenshot of XXXX lines of text. XXXX line was for {$2800.00} for Foreclosure proceedings and the other was for {$2000.00} " Anticipated '' Filing fee. I demanded a breakdown from their attorney as I know this was all fabricated. I also pointed out that the {$2000.00} " anticipated '' filing fee should in any case not be there as we were 5 days from closing, not to mention that it doesn't cost {$2000.00} to file. 

They sent me a copy of their lawyer 's invoice dated the same date that I demanded it with a charge for {$1400.00} listed as a " XXXX up '' fee with XXXX hours billed. The " set up '' fee was also incurred AFTER I demanded proof. 

Note that the {$1400.00} is a far cry from the {$4800.00} they originally attempted to get from me. My assumption is that having been busted, they asked their attorney to cover their XXXX by invoicing something that would never be paid just to have a temporary paper trail to facilitate getting the extra cash out of the escrow. 

Additionally they made the pay off for a day after escrow was due to close so they owe me an additional {$240.00} for the extra day of interest paid but not incurred. 

I originally got my loan through a company called XXXX that Flip who tried in vain to mediate. They informed me that they no longer use BSI for this reason. 

NOTE : BSI Financial Services was already sited and fined over {$200000.00} for violations in XXXX by the CFPB for basically doing the same things to others as they are doing to me. Vague and creative accounting, non communication, and withholding money they are not due. 

As neither myself nor my attorney has been able to get a response from XXXX, I turn to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
XXXX XXXX  has appeared as an hard inquiry to which was never authorized.

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 2023-06-19
Company: Experian Information Solutions 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:
My name is 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.

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 2023-06-02
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 companies have committed fraud and have opened charged debts for lines of credit that do not belong to me. All these accounts are reported charged off but also reflect a balance which is also fraud and incorrectly being reported. 15 U.S. Code 1681s2- States furnishers have a duty to report information accurately which has already not been done on my credit profile. These debts negatively impact my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email on Friday, XX/XX/2022 that my application was processing and shorty after that my account was opened. I did not fill out an application or apply for this account. The account opened was Bank of America XXXX XXXX Banking Account. 

I called and they have stated that the account has been sent for closure. Please confirm the account is now closed.

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: CAPITAL ONE FINANCIAL CORPORATION
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:
1- Unauthorized Inquiry : XXXX XXXX XXXX XX/XX/2021 2- Unauthorized Inquiry : XXXX XXXXXX/XX/2021 3- Unauthorized Inquiry : XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Toyota Motor Credit XXXX Your company is in clear violation of the Gramm-Leach Act I was not given the opportunity to opt out by law the XXXX XXXX XXXX was supposed to provide various notices and meet specific opt-out requirements which they have not Title V, Subtitle A of the Gramm-Leach-Bliley Act ( GLBA ) 1 governs the treatment of nonpublic personal information about consumers by financial institutions. Section 502 of the Subtitle, subject to certain exceptions, prohibits a financial institution from disclosing nonpublic personal information about a consumer to nonaffiliated third parties, unless ( i ) the institution satisfies various notice and opt-out requirements, and ( ii ) the consumer has not elected to opt out of the disclosure. Section 503 requires the institution to provide notice of its privacy policies and practices to its customers. Section 504 authorizes the issuance of regulations to implement these provisions. change the above late payments from my consumer report to the current this agency is in violation of the Gramm-Leach-Bliley Act Failure to respond satisfactorily with a change to payment status, 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, Financial institutions found in violation face fines of {$100000.00} for each violation.

Company response to consumer: Closed with explanation