BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: LA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if your are unable to provide a copy of verifiable proof, you must remove the account listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-05
Company: Aspen Yo LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Agents/Representatives/business doing business as Gregory Funding has been misrepresenting and demanding exorbitant fees/charges under the threat of foreclosure and a term called forbearance. 

Attached is evidence showing that this company has intentionally misrepresented my regular on time payments ; and applied shocking tactics under pressure to force compliance with demands for large sums of money, $ 21,000+ first ( paid XX/XX/2019 ) and now {$17000.00} under what they term delinquency and late payment. 

Further to this fact, they/ their collaborators have placed an advertising on a real estate service indicating my home is up for sale listed as a distress sale. I have been getting calls and mail for many months from individuals attempting to buy from me. 

Recently I read that XXXX XXXX County is a hotbed of white collar crime. This is a very good testimonial of that declaration. 

Examples of their targeting my financial situation : 01. Filing Erroneous Notices of Default 02.  Affidavit of how Gregory Funding has documented my payments 03. Affidavit from my bank proving Regular Payments 04. Them/their agent placing my home on real estate service as a distressed sale 05. Intentionally discounting my payments and listing them as delinquent 06. Multiple calls to force compliance with usurious forbearance contract ( s ). 
a. to my cellular phone ; b. to my aged parent phone to purchase my home at distressed sums ; 07. Evidence of the new demand for payment. 

I am requesting an investigation and remedys to correct/relieve this distressing wrongdoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Found multiple inaccuracies on my credit report. 


XXXX XXXX XXXX Account XXXX XXXX XXXX Date- XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose

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 2018-08-15
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I received a response from CFBP complainant # XXXX. The response was a compromise from US Bank lowering the original quote of 1 % of the original loan amount to 0.25 % of the current loan amount as a fee/penalty for removing the escrow account and allowing us to pay our taxes and insurance ourselves ( see below attachment ). The response advised that we needed to send a written request to a specific entity with US Bank. We sent an email and a certified letter to the location that the specified. In this letter, we asked if the fee included clerical fees to amend the mortgage agreement that they purchased from XXXX XXXX in order to avoid paying the fee again should US Bank immediately turnaround and sell our mortgage. I received notice that US Bank received my email on XX/XX/2018 and I also received notice that US Bank received notice of our letter on XX/XX/2018. To date, I have sent additional emails with no response. I have called US Bank customer service as well as the number that they placed on the response to my last CFBP complainant. I have been transferred to voicemail and have left numerous voice messages. The automated message on the US Bank voice message advised that a return call would be placed within one business days. I can not get a response out of US Bank and at this point I feel as if they are refusing to reply. I know they have our contact information, as they are punctual on sending out monthly mortgage payment request. We are a month ahead on the mortgage and I have an excellent credit score. We are simply trying to eliminate our escrow account, as they are charging an additional XXXX dollars a month as a " cushion '', then taking their sweet time to refund us the money at the beginning of the next year. We need this money for day to day expenses. Why should S Bank us my money for investment or gain interest on my money all under the guise that they hold the money as a cushion for set yearly Taxes and Insurance?

CFBP as successfully reduced US Banks willingness to charge me fee from 1 % to 0.25 %. Thank you. Could you please determine why US Bank is now refusing to respond to my request to remove the escrow account ( as brokered by one of their agents ). I have attached the last two correspondence, since the original CFBP complaint was filed. We are frustrated that we have to file a complaint with you in order to get US Bank to even acknowledge us.

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: Experian Information Solutions 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:
I respectfully request a full complete investigation regarding these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX along with the original contracts note or other instrument bearing my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these item removed immediately from my credit report.I have each Credit bureau a XXXX letter

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters.

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 2023-04-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CFPB THANK YOU FOR ALL THE HELP, TD bank i have account for over year open with them the only allowed me to do wire, i can not pay my employees with ACH, i can not used my debit card, i can not withdraw money from the account end the charge me {$1500.00} for every wire i receive because im not allowed to receive ACH is well, so the charge me for every wire i do its {$3000.00} its my business account, so all this month bank been charge me more then {$10000.00} in fees end i still can not used the account can not complain i went to the bank so many time, i can not remember how many times i complain about this situation with then so please help me out again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am injured and on state XXXX XXXX thru bank of America, I on XX/XX/2021 XXXX was fraudulently taken out of a branch atm, then XX/XX/2021 XXXX was fraudulently taken out, The whole time I had my card in my presence, no one has access to my account or withdraws, I reported the claim they denied it, I sent in pictured ID, police report, and a written statement, still denied

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I contacted the company in regards to my credit report showing inaccurate and incomplete accounts information. Reporting to creditors and lenders different information than what's being showed on my credit profile. Also, accurate are reappearing after been deleted for statue of limitations or dispute them and no validation from the creditors. The original date of delinquency is not listed, payment history, amount owed or Collection Names of account hold. Also, there are several inquiries I am requesting to be disputed in while they prevent me from doing. I filed one dispute and need to do another but XXXX refusing to allow me to do so. Please help me to result this issues. And because XXXX reporting inaccurate information I getting denial letters, inquiries on my report and decrease in my credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter stating that I owe {$1800.00} from my business and I left multiple messages to ask what this amount is in regards to and I do not know what company that is being owed to. I even email the given contact information, no response in communication and can't get hold of a live a person. Only gives the option to pay. I received a second letter that if I do not pay by XX/XX/2018, further action by their office will take place. The collector claims on their letter that they try to reach me multiple of times, which is untrue since I am unable to speak to someone live, no party have emailed me back or return my messages.

I have not received any proof of statements what I owe and just a letter stating that I owe {$1800.00}.

Also, the business that I owned of which the debt collector is claiming Closed. I closed the business and no longer in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
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: Investigation took more than 30 days

Complaint:
Over 30 days ago, I sent an investigation request to the credit bureaus and they haven't responded yet.

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 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At XXXX I received a call from XXXX. At XXXX I received a second call from XXXX with someone claiming to be XXXX XXXX XXXX Bank of America XXXX XXXX. He stated that there were several fraudulent transfers to someone with XXXX. I was instructed to create an account so that we could dispute the transfers. I did so then was told that we needed to input the amounts of the transfers so that BOA could dispute the transfers. Because the phone number EXACTLY matched the phone number on the back of my cards I complied. 

I then redialed the number and talked to BOA XXXX department and they informed me that their phone number had been spoofed and that my money is now gone. 

There MUST be something in place to prevent these things from happening. If XXXX doesn't have anything then they are XXXX in the theft and fraud. I do not accept the excuse from XXXX that there is nothing that can be done. They are 100 % complicit because they choose to be. 

It also should not be up to customers to decide which phone numbers are legitimate or not. The number that came up is Bank of America 's number, the same number on the back of my cards. There is NO WAY for a customer to know if a number has been " spoofed '' or not. Bank of America can claim that they will " never '' ask for information, but they do. They ask for it all the time. They send emails to customers with links to click that ask you to input potentially sensitive information. 

This is a clear violation of Regulation XXXX of the Electronic Fund Transfer Act and XXXX needs to be held accountable.

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 2023-04-05
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my Trans Union report  pleas ( 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 explanation
Consumer complaint received 2018-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband and I hold a bank account together. He can not handle finances and has a XXXX  problem. Bank of America let him withdraw funds beyond the amount we have in the account, with a notice that if sufficient funds are not in the account to cover the withdrawal, there will be a {$35.00} charge. He withdraws the funds believing he will have the money to put back in time, but rarely has the ability to do so. In my opinion, Bank of America is engaging in predatory lending as it knows fully well when clients will not be able to repay the amounts. If {$100.00} is withdrawn and not covered the charge is {$35.00}, if another {$100.00}, ( which the bank allows ), another {$35.00}. If the money is not in the bank within 3 days then in this scenario an additional {$35.00} per withdrawal is changed. This is usury. I have asked the bank to not allow these transactions but they continue. If I took out a high cost loan the interest would be a tiny fraction of this Bank 's income producing strategy.

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 2022-10-19
Company: LEXISNEXIS
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 says that consumer reports have to be equitable to the consumer. However each time I attempt to extend credit to take care of my household I am discriminated against because LexisNexis posted inaccurate information about me. My first dispute was XX/XX/2022 for the removal of XXXX XXXX XXXX judgement. This information collected about me does not fit the frame of having maximum possible accuracy because I was the victim of identity theft, see FTC Report Exhibit A. Due to the fact that I was never properly served, a default judgement was done in my name without my knowledge and now Im in the process of doing a void judgement. It is also to be added that LexisNexis inaccurately verified this information because they did not contact me to ask me the specifics about the account. 
How can LexisNexis assure maximum possible accuracy about my information if they never spoke to me? Its my information. The source of LexisNexis information is XXXX XXXX XXXX XXXXXXXX XXXX However the XXXX XXXX XXXX XXXX  clearly states on their website, The Clerks Office makes every effort to ensure the accuracy of the following information ; however it makes no warranties or representations whatsoever regarding the completeness, accuracy, or timeliness of such information and data. See, Exhibit B. If this site can not guarantee accuracy of information, LexisNexis must remove it off my consumer report. Secondly, one of the comments in the docket of the case shows that Im the incorrect defendant See, Exhibit C, which confirms again a failure to assure maximum possible accuracy. Thirdly, the docket has another name of another defendant, XXXX XXXX XXXX, inside the same docket with the same filing number, case number, and matter number, see Exhibit D. If LexisNexis had reasonable procedures for reinvestigation where a natural person would actually look and do the research when I initially disputed it, then this would have been resolve faster. Unfortunately, I now have to take time out of work to fix something that is taking equity from me, making it impossible to extend credit to take care of personal and household needs, and has taken away time that XXXX cant get back. Failure to remove this account per my written instructions as federally allowed will constitute willful non-compliance by LexisNexis. I am in injured party and LexisNexis must provide remedy in the following :

Company response to consumer: Closed with explanation