BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: EQUIFAX, 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 submitted a request to validate a debt to the credit bureau and they didn't provide me with the correct validation that I asked for. Their response was insufficient and is reporting on my credit erroneously and affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Kashable LLC
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with USBank. The terms of my mortgage demand that I pay into an escrow account regular payments - out of which USBank disburses amounts for property taxes and home owners insurance. In 2022, USBank has made XXXX disbursements : XXXX XX/XX/XXXX for {$4500.00} to XXXX XXXX, CO for property taxes due XX/XX/XXXX, XXXX XX/XX/XXXX for {$4500.00} to XXXX XXXX, CO for property taxes due XX/XX/XXXX, XXXX XX/XX/XXXX for {$3600.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has left my escrow account with- {$1000.00}. These amounts are correct. 
I received a notice of escrow account analysis for payments due in 2023 on XX/XX/XXXX stating total anticipated disbursements for the next XXXX months of {$12000.00}. The number is incorrect, as the county had recently adjusted my liability and XXXX XXXX increased my home owner 's insurance. I had previously contacted USBank to inform them of the change of amounts, but this was ignored. When I received this incorrect escrow analysis, I immediately contacted USBank, who assured me they would correct the error. I received a second escrow analysis on XX/XX/XXXX stating a total anticipated disbursements for the next XXXX months of {$12000.00}. I again contacted USBank to discuss the problem, they again assured me the error would be corrected. The contact was followed by a letter on XX/XX/XXXX stating that an additional escrow analysis was conducted showing a shortage of {$4100.00} in the escrow account due to the home owner 's insurance, which had already been paid and deducted from escrow. I have now been told there is another escrow analysis being conducted, but I have no confidence it will be done correctly. 
My actual anticipated disbursement is {$3800.00} to XXXX XXXX  and {$2400.00} to XXXX XXXX, CO for a total of roughly {$6200.00} - less than half the amount being demanded by USBank. The mortgage agreement we signed allows USBank to demand escrow payments for the purposes taxes and insurance, with the amounts to be split over 12 months. Even with the shortage payment required- my escrow payment should be about {$610.00}, not the {$1000.00} demanded by USBank. 
I demand USBank meet the requirements of the mortgage agreement and align my escrow payments with the anticipated payments required for 2023.

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 2022-10-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To Whom It May Concern : I have been with American Express for 26 years. I had to leave the country to take care of my father who had passed away and in the interim I had to deal with two other deaths in two months apart all of them. 
I could not make the payments from overseas. 
American Express started to give me a hard time in 2021 and I tried really hard to make the payments to American Express. They were very rapid at closing my accounts and not giving me access to their website to make payments. They sent me to collections immediately and had three different places trying to collect the payments. One was from American Express and two different law firms. I tried to call American Express and they refused to talk to me and said the accounts have been closed that I should refer to the law firms. I tried really hard calling multiple times calling the law firms in which they didn't know what accounts they were collecting from and for what amounts. In addition what was the APR. I looked up their background and they had a very poor rating. Soon after I left messages for these firms I started to get texts to click on links and also get fraudulent emails. They were trying to hack me according to XXXX. This was very concerning and I said to American Express that they were the only company that didn't allow me to pay them directly or allow payment. This continued for months to the point where I sent an email to the CEO of American Express in which I had a correspondence and he said he was going to look into what was happening. I never heard back from anyone. I did a follow up and then a different person answered saying that I should deal with other law firms. Because of the amount of time they allowed to transpire they have hurt my credit and my XXXX score. They have charged off my accounts and hurt me drastically since my longest standing record was with American Express. Up until now they continue to delegate fraud and collect money and not show any balances because I have XXXX access to American Express. It all has caused stress, XXXX, physical health and time away from work. I hope someone could help me. P.S. I would rather not attach the email from the CEO but I will provide it privately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: OH
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:
So back in XXXX, XXXX my business XXXX XXXX XXXX XXXX had a XXXX XXXX XXXX credit card with a business EIN number. My account was thrown into probate because XXXX XXXX XXXX somehow had my EIN associated with a deceased gentleman 's social security number. Took me till XXXX to fight this and get my account back in which I refused to pay the bill until it was removed from this gentleman 's probate. This in turn sent my account to collections but was paid off on XXXX and account was closed. So why is my business Equifax credit file showing a charge off? No one seems to be able to explain that. This has been preventing me from acquiring business loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Account information incorrect

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these has violated my rights. 
15 U.S.C 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. 1681 s-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 2022-11-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received a copy of my consumer report and notice on XX/XX/2022 fair collection & out reporting a alleged debt in amount of {$12000.00} without notice which is a violation under FEDERAL TRADE COMMISSION called debt parking this is damaging my reputation, character, as a consumer under 15 USC 1681 ( 2 )

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 2022-11-24
Company: EQUIFAX, INC.
State: MI
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. 

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, 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Install my identity and obtained my XXXX debit card without my permission I have notified Bank of America and has been over a year and they have not done nothing about it with the still pending case

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 2022-10-31
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX a fraudulent purchase was made using my debt card, when I became aware of the fraudulent transaction, I reported it to my bank. The bank then provided me with provisional credit for the fraud claim. Two weeks later I receive a notice that my claim had been denied. I this be very peculiar, as it has been a practice of US Bank to give me a proof of claim form to validate my claim. I call the fraud department for US Bank and ask that the matter be investigated further because I did get the opportunity to provide proof of claim. The fraud specialist told me that they would have the claim investigator contact me regarding this matter. XX/XX/XXXX I spoke with XXXX XXXX the claims investigator in US Bank 's XXXX  location regarding the claim and was told that she had determined that claim was not valid. Furthermore, that she would not be reopening the claim. XXXX XXXX went on to informally advise me that I have made quite a few claims, which I found to be unprofessional as it is my right to file claims against any services that were not rendered and products I did not personal purchase. I reminded XXXX there are law and rights that protect consumers such as Electronic Fund Transfer Act and Regulation E. The Electronic Fund Transfer Act and Regulation E states that I have XXXX liability for fraudulent purchase.

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 2018-09-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX is constantly sending threatening collection letters to me and recently sent one to my son regarding a debt owed XXXX. I attempted to negotiate a 5 year payoff with XXXX and they refused after my home was damaged in Hurricane Sandy on XX/XX/2012. XXXX sold this debt to MCM- I will not pay or negotiate with them. They shared my personal information with someone other than myself which violates collections laws.

I want this account removed from MCM and from my credit reports immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I filed a complaint in XXXX. They sent me an analysis in XXXX saying that they will refund around {$800.00} for my mortgage insurance they charged me. They refunded the amount but then took it back. My analysis also showed my mortgage payment of {$1200.00} for XXXX, {$1400.00} for XXXX, then when I recently paid for my mortgage for XXXX my payment went up to {$1800.00}. I asked for an explanation and they said they sent me an analysis but I never received it. I sent another message requesting to be sent to me via email so I can look at it asap and have not received a response. I also never received a response to why my refund for my insurance was reversed. It takes them a very long time to respond and keep changing the analysis every single month. I never had this issue with my payments fluctuating and why they keep messing up my escrow. After my first complaint with tue CFBP they said they were going to refund me, which they did, then when the complaint closed, they took the money back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
See letters sent, please update my personal info and remove all unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Investigation took more than 30 days

Complaint:
XX/XX/2020, my car repossessed I was behind on my payments because of pandemic I wasnt able to work. XXXX XXXX took my car without any letter I wasnt informed theres no proof my car is going to be repossessed. After my car repossessed I payed in full then I get my car back, during they repossessed my car my credit reduced. XXXX points and I was continued to pay my payments but still on my credit report and I believe after I catch up omn payment shouldnt be on 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 non-monetary relief
Consumer complaint received 2020-11-30
Company: Navient Solutions, LLC.
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:
XXXX, XXXX and XXXX are showing accounts on my credit report that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
Equifax Unfair practices..On XX/XX/2021 my score dropped AGAIN 54 puts because my XXXX balance DECREASED by {$25.00}. NO REASON and UNFAIR. 

I disputed the XXXX charge with XXXX XXXX here on Consumer Finance as fraudulent account that wasn't mine AND IN THE SAME TIME FRAME because I disputed this account for {$5700.00} with BOTH BUREAUS SAME DAY. I'm STILL HAVING the same issue with Equifax about XXXX. They can not prove it's mine because IT'S NOT MINE. I called after 30 days of investigation for them to remove the account. Equifax told me that XXXX told them it was my account. I told Equifax that XXXX MUST PROVIDE PROOF! Equifax told me that the next step was to file a complaint with them requesting proof. I told Equifax giving them and additional 30 was against the law and to remove the account immediately! Equifax told me no. It was legal process. And gave them and ADDITIONAL 30 DAYS!!! They will not let me dispute even though the applications tool is present in my Equifax credit portal. So in the meantime, XXXX XXXX  and XXXX XXXX has issued me credit cards 5 weeks ago $ XXXX each and neither XXXX XXXX nor Equifax will add it to improve my score. TOTALLY UNFAIR PRACTICES ... Next step was I put a freeze on my social security number in XXXX to prevent further unauthorized actions of identity theft. I tested them by applying for the XXXX and XXXX XXXX Cards and they went right through. No freeze put in my SS # at all. Gave me immediate hard inquiries and dropped my scores. If anything negative happens, the credit bureau attacks my score and they refuse to give me credit increases. They told me I HAD TO BUY MY SCORE! I have access to XXXX XXXX so that's how I keep up.. If I have positive reports, they never raise my score until 5 or 6 weeks later or if at all. Please investigate. Sorry I don't have accurate dates at hand. Can I use for unfair practices, discrimination?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX  account XXXX Account isnt mine never authorized the account XXXXXXXX XXXX account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XX/XX/XXXX ... .. {$390.00} ... .Please send me original paperwork from parent company that I allegedly signed. 

XXXX , XXXX XX/XX/XXXX .... {$430.00} ... Please send me original paperwork from parent company that I allegedly signed ... 

XXXX XXXX XXXX ... .XX/XX/XXXX .... {$590.00} ... .Please send me original paperwork from parent company that I allegedly signed ... 

I contacted all of these agencies and asked for them to send me original paperwork from the parent company that I allegedly signed and they all said that is not the law and either I pay or they will take me to court. I replied, if you can send me the paperwork from the original company where i allegedly signed I will pay this debt. They all replied that's not the law and the don't have to do that ... .One of them even replied they were going to garnish my military XXXX check ... and told me to be prepared for a lawsuit. Then hung up on me. I served my country, I just want what is right. I am a XXXX Vet ( XXXX ) ... and all of this is beginning to be tough. Please remove all from my credit report Attached is copies of my Identification

Company response to consumer: Closed with non-monetary relief