BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX Receive Escrow Analysis Letter from Annie Mac Home Mortgage stating Surplus amount of {$970.00} would be sent to me via check if account current within 30 days of receipt of the letter. 

XXXX XXXX XXXX Each month had to call customer service at XXXX to make payment as they stopped sending monthly statements to me. Inquired each month as to why I never received my escrow surplus check, agents claimed that it showed in system, requested check be sent- verified account not past due. They were unsure as to why the check was not sent. 

XXXX XXXX Called to make May mortgage payment again, no statements received still. Inquired about escrow check again, agent verified Escrow check amount had been wiped out of system and check denied for past due account. Agent verified account was not past due. Agent suggested I email the company at XXXX and ask for formal inquiry. 

XX/XX/XXXX, XXXX sent email with copy of escrow analysis letter, copied personal lawyer on email, to Annie Mac XXXX giving them 7 business days to resume sending monthly statements and to send my escrow surplus check or would file formal complaints with government agencies. 

Receive letter dated XX/XX/2023 from AnnieMac that they acknowledge receipt of my email and would respond via mail within legal time limits. 

XX/XX/XXXX, XXXX Called once again to Annie Mac , no statement received, no further reply nor check received. Agent reads to me notes in system saying check denied on XX/XX/XXXX for account status being past due and increase of insurance premiums. Agent verifies account in current status- monies received by Annie Mac being put in suspense account rather than posted to monthly mortgage payment due. Agent initials XXXX, stated she was very apologetic for what her company was doing and had no explanation for them not sending my surplus check. Tried to escalate my call to a supervisor- but they would not take my call. 
Advised agent I was formally filing complaints with all government agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # 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

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-19
Company: USCB Corporation
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 2 debt collections creditors for the same debt amount. This is being paid to the original creditor. The amount this debt collector has listed is incorrect.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Trans Union THIS IS NOT MY ACCOUNT XXXX XXXX XXXX. If you have documentation showing it's accurate and verified please provide me with that because I filed and submitted to you police report and identity theft report. PLEASE REMOVE.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2021-05-22
Company: USCB Corporation
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:
I am raising the issue of 11 U.S.C. Section 362 ( k ) ( 1 ) provides that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys ' fees, and, in appropriate circumstances, may recover punitive damages. 
I will sue this credit reporting company for violating my automatic stay under federal law. I filed bankruptcy and included this company. The company knows I included them in my bankruptcy and are still trying to make a collection. You have violated my right and federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
UPON THE SETTLEMENT AGREEMENT. CREDIT ACCEPTANCE WAS TO REMOVE THE ACCOUNT FROM THE ALL THREE CREDIT BUREAU. IT IS AFFECTING US IN A NEGATIVE WAY AND IT IS HURTING US. THEY ARE NOT KEEPING THIER END OF THE AGREEMENT. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD HAVE BEEN REMOVED FROM MY CREDIT. THIS IS PREVENTING ME FROM MAKING ANY FUTURE PURCHASES OF ANY KIND AND AFFECTING MY CREDIT SCORE XXXX XXXX XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Received another message that I have applied for Chase Credit Card in which I did not I have initiated a complaint previously. Now I have received another notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I received a call about a bill I owed for a stay in a care facility over a year prior. I referred the caller to my attorney handling the case. They never contacted them. In XX/XX/XXXX they placed approximately XXXX collection items on my credit report. I was able to get some deleted. XXXX still remains. On XX/XX/XXXX, they began to call again. They refuse to validate the debt. According to the original provider indicated I never had a balance with them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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:
I am a victim of identity theft, and XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have applied for citibank 3 times in the past year, 2 times an account was opened. Last year and this year. 
The first time was XX/XX/XXXX, but before opening the account had major issues verifying identity. 
I solely blamed the company for fault as repeatedly I had asked them to do a security call. And answered the call each time with the line going dead or no response heard. Any voicemail left was unintelligible. 
So next step was this security code via mail. One of which was never received, there security team had stopped giving any information without this " code '' and hung up every single call. 
I couldn't even verify when this alleged code was sent out. 
I finally received it almost 3 months later! 
Appalling to say the least, then after all the hassle, my debit card never arrived, more delays. Someone had entered my address wrong... go figure. 
So I get my debit card more than XXXX weeks later, I activate it and set up online banking. 
Less than XXXX later I'm locked out of my account and guess what the account was closed, I was informed I'd get a letter, I waited over 1 month and got no letter. Funny during this time all my welcome kit and other letters arrived but nothing relevant! Security team were useless, called repeatedly wanting answers and refused to talk to me further and hung up rudely. 

Fast forward to XX/XX/XXXX. Via phone I apply for a citi priority checking account and savings, after successfully identifying myself, they opened the account but couldn't send a 1 time pass code to my phone and said once I receive my welcome kit in the mail, to call back in once I had my card details. 
Welcomed me back to citi. Nothing received as of XX/XX/XXXX, however I get a XXXX statement XX/XX/XXXX that is dated for XXXX and the account is closed. Again received no debit card, email, phonecall any mail correpspndance or anything. Just one measley statement Citibank have opened accounts these accounts made an inquiry on my consumer report. And it shows my name and not sent ANY communication or correpsondance and closed them without reason and it's almost 1 month post opening and none of which the banker I spoke with on XX/XX/XXXX had turned up in the mail. 

At this point I believe I am being targeted and profiled because this is the 2nd time the same exact process happened where mysteriously I have no correpsondance or communication again and didn't even get a chance to deposit funds in the account or do anything! 
It's utter garbage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Amsher Collection Services, Inc.
State: DC
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me from moving forward with my life, so that I may provide for my husband and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent items be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: GA
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've contacted the account listed below & they told me I've never missed a payment, yet XXXX refuses to fix the account from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX 's job To shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct this damaging negatives from my profile. 
XXXX XXXX XXXX Date opened XX/XX/2018 Balance {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CCF Intermediate Holdings LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Attempted to pay balance of XXXX online several times and was unsuccessful in the process due to the online site. Each day the amount increased and when I contacted Speedy Cash they advised it was nothing they could do and I would be responsible for the amount as it is today. I also sent a email with no response. I went ahead and made the increased amount balance payment. Speedy Cash had no issue taking the payment for the increase amount over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: GA
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 reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did authorize any of the companies listed to run my credit i do not know of any of these companies.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a dispute against an account on my consumer report. The consumer reporting agency responds that the account was verified. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Pursuant 15 USC 1681a ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
If you verified this debt, I would like to know who did you speak with? Who did you interview along with their names and addresses? Name of neighbors and/or friends you spoke with? Please provide all factual and detailed descriptions with this exact information. The consumer reporting agency failed to comply with this request and continues reporting inaccurate information. 

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-05-23
Company: EQUIFAX, INC.
State: MD
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 have continually tried disputing accounts on my credit reports with XXXX, XXXX and equifax. I have filed police reports and submitted them and they refuse to investigate the information accurately including providing signed contracts verifying who opened these accounts. Theyve also refused to update information with the right balances. 

Below is a detailed outline of accounts that Ive tried to rectify. 

XXXX XXXX {$490.00} XXXX  XXXX {$810.00} XXXX XXXX {$320.00} XXXX XXXX {$1200.00} XXXX XXXX  {$320.00} XXXX XXXX XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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.

Dept of Ed/ XXXX : # XXXX, US Department Of EdXXXX XXXX US Department Of Edu : # 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 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 items of information, other than records of convictions of crime which antedates the report by more than 7years.

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 2023-10-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
6 Hard Inquiries that I did not apply for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Target XXXX XXXX

Company response to consumer: Closed with non-monetary relief