BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: U.S. BANCORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The balance on my credit card with US Bank is incorrect. I called multiple times and spoke to multiple people. They told me their policy is to only update information once a month and will not update or correct information in between even though their incorrect balance is affecting my credit score while i am in the middle of getting a mortgage. The only escalation is to a supervisor who states the same thing. They do not have a way to contact the credit dispute center other than mail and they do not have anyone to talk to or connect with at the corporate level. They transferred me back to the credit card supervisor. They basically told me I could dispute with the credit bureaus or send in a letter and if they think it's incorrect they will update but there is no way to follow up or get any info on that process. I can only send in the letter and they will get back to me in 45-60 days.

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 2023-08-09
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:
I request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the XXXX and Equifax are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my previous letter & I am including it again. Also, the data you provided on these inquiries are UNKNOWN to me and were REMOVED from other bureaus and so I have doubt about the accuracy of these inquiries still reporting in my credit reports : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: ENCORE CAPITAL GROUP 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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company changed servicers effective XX/XX/XXXX. I have been making payments thru my bank for the entire year of XXXX. My bank automatically sends payment on the date I indicate and for the amount of my monthly payment. I have not had any problems the entire year and HSBC has been crediting my payments as normal. My bank made my XXXX payment as normal but towards the end of XXXX ( approximately XX/XX/XXXX ) HSBC called me to ask where the payment was. I immediately checked with my bank and discovered that the payment was mailed over two weeks earlier ( as usual ). I obtained a tracking number from my bank and provided it to HSBC. Apparently, HSBC " misplaced '' my payment for two weeks and they were able to quickly find it once I provided the tracking number. 

I thought this matter was resolved and received a letter in the mail from HSBC stating that the payment was applied to my loan on XX/XX/XXXX. I should have known that HSBC did not do the right thing at this point because the payment was " applied '' on XX/XX/XXXX, instead of being applied on the date it was received ( not the date it was found after HSBC lost it ). To add insult to injury, not only did HSBC apply the funds late, and thereby charge me additional interest, they are attempting to charge me a late fee and a {$850.00} " Property Inspection Fee ''. 

HSBC has been the worst mortgage servicer to work with ever and we've had so many problems with them over the years. Instead of getting into the past problems, we are asking you to please address the issue at hand. I believe they have treated me unfairly and perhaps violated other laws as well. For one thing, they lost my payment, that was made exactly the same as the ten prior payments ( mailed from my bank automatically every month ), then when they find my payment they did not back date the payment to the received date but instead date it when they " found '' it. Then they not only added a {$28.00} late fee but some insane {$850.00} Property Inspection Fee. The payment problem was clearly caused by HSBC, who very likely had the payment for at least 7-10 days prior to applying the payment - in order for them to profit by a late fee and some other, incomprehensible {$850.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was switched over to LoanCare during XX/XX/XXXX. Beginning last summer XX/XX/XXXX, i received a notification from the XXXX Department of Taxation for unpaid taxes. My mortgage payments include the property taxes to be held in escrow every month. I have never missed a mortgage payment so I was surprised to see the taxes remained unpaid. I tried calling and emailing XXXX several times since to no avail. Every time I am actually able to get a representative or " Manager '' on the phone, the common response is they will look into it and get back to me ... It is now XX/XX/XXXX, i still havent ' received an answer and I have now had 2 requests from the XXXX Department of Taxation for unpaid/delinquent taxes ''. I am also being charged interest on the unpaid taxes. If possible, please help me because I'm afraid a lien will be placed on the property if the taxes remain unpaid. It's unfathomable a bank or any financial entity can receive mortgage payments yet be remiss in paying taxes on accounts that have been set up to whole these payments in escrow.

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 2019-10-18
Company: Rocket Mortgage, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
At XXXX XXXX on Friday, XX/XX/2019, I received a call from my lender, Quicken Loans , Inc. at ( XXXX ) XXXX. They wanted to discuss possible ways to reduce my mortgage payments and save me some money. I told them I might be interested. They asked for information on where I work and how much I make. They ask how I've been paying my credit card payments. They said they would get back to me, and they never called back with any further information. 

They NEVER asked me to do a credit pull, never told me about such a thing, never asked me about refinancing or whatever options they have to save me money. They said they would call me back. 

Next thing I know, I get an experian notification saying there was a change to my credit file. I logged in, and there was a hard credit inquiry by Quicken Loans. I NEVER gave them permission to do a hard credit inquiry, and they NEVER asked me for permission. I feel this is fraud or theft, as I know the results of a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-09
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:
This is my 15th 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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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:
I have disputed an error on my report twice. I had ask equifax to have the lender to show proof the account is mine. I disputed this error off 2 other reports and it was removed but having an issue getting removed off of equifax. The gentleman told me that were different companies. I just dont understand how it doesnt show on other reports but this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Hello I had water damage, and the insurance paid the claim. I signed the insurance check over to PHH for the repairs. The work has been completed now PHH will not release the funds of the check I signed over for the cost of the repairs. The contractor did the work, and I do not have the money to pay, and PHH is holding the money. I call PHH and get put on hold, with no payment to the contractor. This keeps me up at night. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Sterling Infosystems Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i found out today that i have false information on my background check

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 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I reported this fraud issue with this board previously. Bank OF America continues to engage in its unfair business practices by now informing me of a secondary edd account opened in my name in a different state. I have not filed or opened any other account and Bank Of America is responsible for this as they allowed a privacy and data breach by which XXXX ca has furnished my private info in lue of their contract providing the services of he prepaid debit card for which Bank Of America has elected not to stand by the policies and account agreement furnished to said customers. Bank of America has managed to intentionally provide me with false data, withheld information about my account from me then sets me up for more damages as its agents told me i would see my funds on last friday only to being sent through their processes of what they call verification. The fact thatXXXX  and bank of america engaged in contract contract law does not support nor state that its lawful to cause damages to any third party nor does it release them from the liability. XXXX and BofA have their own indifferences but why should i suffer based upon their breach. I am suffering daily as they make fraudulent excuses for their own monetary personal gains. this constitutes trebile damages.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE 96 INQUIRIES ON MY CREDIT REPORTS THAT ARE UNAUTHORIZED. SOME ARE BELOW. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, PLUS MANY MORE.

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 2021-11-09
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:
Notice to principal is notice to agent, NOTICE TO AGENT IS NOTICE TO PRINCIPAL : I was a of victim of Identity Theft. I contacted and I contacted XXXX, XXXX XXXX AND EQUIFAX several times and submitted my Identity theft report XXXX to XXXX by fax and upload. XXXX keeps violating the credit reporting act by continuing to report fraud account son my reports. 

XXXX, XXXX XXXX AND EQUIFAX says per their policy ( not the law ) they can continue to report the fraud accounts and violate me and the fair credit reporting act with no concern because XXXX sold the fraud account to a unknown party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, 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:
I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below. When you get this complaint that includes my identification and FTC report please BLOCK and DELETE these fraudulent accounts fro my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers : XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the inaccurate inquiry reporting on my Credit Report : XXXX XXXX XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, 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:
This is my fourth 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My problem has to do with customer treatment at Chase Bank branches. I have good reason to suspect that I am often profiled and treated with more suspicion than other Chase Bank customers by Chase employees and Chase security guards, especially by the security guards. When I am in any part of a Chase branch conducting business, the security guards pay more attention to me, even when many other patrons are present, sometimes even coming out from a room when I enter the branch. This has been ongoing for many years or decades but became worse in XXXX or XXXX.

Company response to consumer: Closed with explanation