BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom This May Concern, I feel that the escrow department of US Bank is harassing me about a issue from a past encounter with not validating my insurance policy. I summitted all the required information as ask by US Bank and the escrow department took over 6 months to respond and when they did they stated they would check the information and get back to me. After several months of not having this issue resolved I filed a complaint with US Banks Customer Advocacy Department and the issue was resolved in my favor. 
Now a year later I have received a letter from the Bank stating I basically havent paid insurance for a year an I need to pay {$1600.00} dollars and my new monthly payment will increase by {$200.00}. Ive reached out to the escrow department by phone and have been told that this issue is the insurance department and when I contact the insurance department they say its the escrow department. I have again filed a complaint and have gotten no response. 
This issue is harassment and they are raising my mortgage payment and have did so for this month ( XXXX ) right at XXXX. We are on a fix income and how can this issue arise at this time if its not on propose to harass us. 
I have enclosed all the paperwork that was sent to this establishment. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nevada 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 2021-12-10
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I visited local Bank of America branch and the manager on site assisted me with depositing a foreign check for {$2000.00}. He assured me it would only be a {$40.00} fee and on XX/XX/XXXX I received a letter from Bank of America XXXX XXXX XXXX department stating check was returned. It listed {$40.00} processing fee but also a {$190.00} foreign/drawee bank fee. So {$230.00} was withdrawn from my checking. I was never informed of the potential for more fees beyond {$40.00} and had I been aware would have never attempted to cash this check. Also since check was returned and not processed I feel these fees should be refunded. The local branch and customer service are unaware of how to reach foreign cleans collection. Customer service is unable to refund fees as system does not allow them but have no idea who I can speak with regarding these fees. This is incompetent business practice. I have been an account holder since XXXX with substantial funds in accounts and request fees be refunded or at least the {$190.00} fee I was misinformed about. No attempt for resolution was made.

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 2023-06-08
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following was sent to XXXX and they did not address the issues listed in their response to my request : Dear Sir/Madam : I am writing once again to make you aware of a variety of errors that have impacted my ability to secure credit, in addition to the pain and anguish these errors have had on my emotional well-being. 

As of XX/XX/XXXX, the following errors and omissions from XXXX have had a negative effect on my credit profile : 1.  The report shows that I have recently missed a payment or had a derogatory indicator reported. I have had neither. I am requesting proof of this including the reporting furnisher of this derogatory report. 
2. The report shows that I have few accounts that are in good standing. All of my current accounts are in good standing. All of my credit cards are paid in full each month and both my mortgage and auto payments are paid on time and in full. 
3. The report claims I have a short credit history. This is not accurate since my XXXX  XXXX XXXX credit card account ending in XXXX was established in XX/XX/XXXX and most of my credit cards many years in age. 
4. The report claims I have too many credit accounts with balances. This is not accurate as I do not carry credit card balances on any of the credit cards or credit lines - all paid in full monthly. The only balances carried are my mortgage and auto loan balance. 

I am requesting one final time for XXXX to correct this error. If necessary, I look forward to proving the above in small claims court. 

I have enclosed a copy of my license, a utility bill, a copy of the credit report showing the errors.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: NY
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:
I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 3 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: PA
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:
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. Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( XXXX ) 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 explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase authorized a check in the amount of {$9900.00} to a person who I did not write the check to. I wrote the check to a company and the check was cashed by somone else with an account with XXXX XXXX XXXX. Chase acknowledges that the payee is different than who I wrote the check out to. However, they are not refunding the funds stating that they are waiting for XXXX XXXX XXXX to refund the funds to them first. Its been over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is based on violations of the FDCPA and the FCRA by the Respondent.

___ On XX/XX/2019, I reviewed my credit reports and saw a newly reported collection account by the respondent regarding an alleged medical debt. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/2019, I disputed the debt directly with the respondent in writing. In my letter, I requested only a few of the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name of the creditor, or the amount owed. 

___ On XX/XX/2019, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ On XX/XX/2019, I received the results of the investigation from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of the section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

___Based on the aforementioned facts ( and supported by the attached Exhibit ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection activity while failing to validate the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: OK
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 don't know what to say anymore and you just keep on saying everything was still in review. please review my letters properly

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 2022-03-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened a checking acct with Santander Bank online. No requirements to appear in person as this was an online account opened to all. The acct had a bonus of XXXX if you met the requirements. Opened about XX/XX/XXXX. Bank asked for DL/DOB and public identity questions. 
All was fine until last week. I made direct deposits, paid bills via bill pay, and no problems. I tried to pay a bill last week ( XX/XX/XXXX and could not sign on. ) I got a message to call the banks. From XX/XX/XXXX XXXX, all was fine. I called the bank and was on hold for 20 minutes. After asking me my identity questions, Rep told me I have to appear at a branch in person in order for them to reopen my acct. Problem # 1, no requirement when opening online to open in person..2 ) the closest branch is 60 miles from my home, 3 ) My husband is XXXX and I will not travel, I do not drive and I will not take a XXXXXXXX XXXX for 60 miles to XXXX during Covid. 4 ) Im XXXX years old and refuse to waste a day even if I could travel. There was no requirement to open in person or I would never have this acct. rep told me my acct is locked. I have no access to my funds. I have about XXXX in this acct. They stole my money from me. I have no way to GET MY FUNDS. Please help. The Rep on the phone was quite nasty to me even though she knew my age. I live on Social Security and have a small pension. I need my money NOW, or I can not afford to pay my bills!!!

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 2019-12-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX, 2019 I noticed large amounts of money being deposited into my bank account got acceptance emails from Webster Bank accepting these funds I called them right away I explained that I did apply for a loan but the amount that I applied for was not that amount and why were these funds being transferred into my account and being held at this point I was told that the company that was the posit in monies was a fraudulent company and that they will be charging me return ban check fees, I tried to explain to them and successfully that the loan that I applied for was for XXXX and that it wasn’t even processed yet. I also noted that even though they claim that my account was closed yesterday these people still deposited large numbers of monies into my account again and not only response I got was I’m responsible and they’re closing my account and charging me the fees.

Company response to consumer: Closed with explanation
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: 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: GA
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 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. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: In progress
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Billing dispute for services

Complaint:
my auto loan with XXXX XXXX  is inaccrate and is reporting different things on each bureau which they have billing errors on the report and i didnt give permission for any of this to be reported which is now causing problems with my employment as a XXXX XXXX at the dealership please remove the late payments off of my consumer reports

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 2023-07-14
Company: Experian Information Solutions Inc.
State: GA
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit 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