BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am writing to express my concern and frustration about your credit reporting agency reporting information about me without my consent. I believe that this action is a violation of my consumer rights and is contrary to the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies are required to obtain written consent from individuals before collecting and reporting their personal information. However, I did not provide any such consent to your agency, and yet you still reported information about me to third parties. 

Furthermore, the FCRA requires credit reporting agencies to ensure that the information they report is accurate and up-to-date. However, I have reason to believe that some of the information you reported about me is inaccurate and may have negatively affected my creditworthiness.

I demand that you cease reporting any further information about me without my written consent. I also request that you investigate any inaccurate information that you have reported and correct it immediately. Failure to do so would be a violation of my consumer rights and could result in legal action. 

I hope that you will take this matter seriously and take the necessary steps to rectify any harm that has been done to my credit reputation. Thank you for your attention to this matter. 

Sincerely, 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 2015-09-28
Company: Pinnacle Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I borrowed {$600.00} XXXX XXXX/XXXX/2013 and added to it the sum of {$320.00} on XXXX/XXXX/2013 ... ..I made 12 payments ( ACH ) totaling {$1900.00}. I repaid more than double the principle ... .after closing my bank account ... .I was never contacted by the lender ... ..I did advise them that the loan was not legal in pennsylvania ... .I was contacted by a company in XX/XX/XXXX by the name of XXXX ... I ask them to provide details in writing which they did not and hung up ... ..recently ... they contacted me with threatening actions ... .I again ask for written details ... .never rec 'd ... ... then i called the payday lender ... XXXX ... they said they had no details of my account other than it was sent to XXXX. ... I called only to hear they sent to XXXX XXXX XXXX ... .they in turn sent it to XXXX ... .i called them and they said they outsourced to collection companies. ..but that they would pull back and cancel ... ..they gave me a number to call ... .Pinnacle asset recovery ... i spoke to the manager ... XXXX XXXX ... .he advised they wold close the account and stop all outsourcing ... ..i ask for email saying same but have not rec 'd ... ..he said they did n't want issues with Government or PA dept.of banking ... ... .I never heard from any of the above including XXXX until I heard from XXXX. I have banking details showing payments if needed.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting a inaccurate payment history and its violation of my consumer rights and the fair credit reporting act 15 usc 1681s-2 account says charge off and at sametime saying current please delete this account from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the process with Amerisave to refinance my mortgage on XX/XX/XXXX. I had been referred to them by the XXXX XXXX website. During this process, they keep having me sign disclosures and the loan estimate keeps changing but I locked in my rate and the terms on XX/XX/XXXX. The loan estimate right before I lock in showed a lender credit of {$320.00}. The disclosure that was generated with the lock-in that I signed showed a lender credit of {$800.00} and I understand now that part of that is the {$500.00} that I paid to lock in my rate, so the actual credit went from {$320.00} to {$300.00}. After that, I was sent another set of disclosures on these the lender credit was {$49.00}. I emailed the loan officer XXXX XXXX Loan Originator NMLS ID # XXXX asking for an explanation and I only received another email the next day to physically print and sign the new disclosures. I have called and have not gotten an answer. They had me pay a nonrefundable {$500.00} fee to lock in my rate and yet they are still making changes to the terms and closing costs. The Loan document even states : Before closing, your interest rate, points, and lender credits can change unless you lock the interest rate. 

Since I did lock in the rate these things should not be fluctuating. 

It was my understanding at the time that the {$500.00} would go to closing cost once the loan was complete so I am assuming it is included as part of the Other Credit section. So on the new disclosures sent to me, other credits are listed as XXXX meaning minus the XXXX there is lender credit of XXXX I spoke with an agent and they offered an extra XXXX credit but could not generate the disclosures for some reason they said the documents I sign were issued in error and at first claimed not to see them. They said the original XXXX lender credit that was promised changed due to market conditions in the 3 days before I locked in, but could not explain why documents showing the change were issued after the lock in.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been able to deposit money on my card, and so has another party which I have done work for. My account is locked and nobody at the call center has helped me, even after having tried multiple times to get this resolved.

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 2023-01-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to Experian more than 60 days ago and still no response I will like these accounts delete. This company never responded to my dispute for accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX did an investigation and deleted all 3 of these inaccurate accounts. It is this company 's duty by FCRA and FTC to report precise and accurate information. below are the results from the other 2 Consumer reporting agencies that deleted these accounts.

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 2020-03-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I responded to an ad on XXXX about someone selling XXXX XXXX miles. The individual provided me with pictures of his XXXX XXXX account, a small portion of his identification card and then called me to walk me through the transfer. He even sent me screen shots of the flights to assure me that we were looking at the same flights and everything. He also " talked '' to his child, and his wife at various points during the conversation, to set me at ease. I sent him the money via XXXX through Chase Bank in two transfers and as soon as the second transfer went through the call disconnected. I immediately called back and the line was no longer in service. I called my bank and they said there wasn't anything they could do and for me to contact local law enforcement. I asked to file a claim and they refused to because they " can not contact the person '' and that it was my fault. The representative also told me that a scam is not fraud. I have pictures of the ad and all the pictures that the individual sent me ( including of his XXXX account! ) to deceive me. They clearly know that banks will do nothing to help the consumer and therefore act with impunity and do not care if you have their information. It is not right that neither XXXX nor Chase take no responsibility or assist the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: PA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 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 2017-03-16
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our home is in foreclosure. We have retained an attorney. He has assisted to prevent foreclosure via modifications, mediation, etc to no avail. Our original note was owned by XXXX. XXXX has been servicing our loan. The foreclosure was filed by US Bank as Trustee for XXXX. The problem is that there is no clear assignment of our mortgage note, we are being foreclosed on by an unknown entity. They failed to provide ORIGINAL note or original assignments. The alonge is blacked out and blank. After weeks of research we have discovered that a hedge fund, owned by XXXX purchased a Participation Pool of defaulted mortgages from XXXX. There are XXXX complaints by homeowners and attorneys that this entity is engaging in illegal activity, forging signatures, and filing assignments and along after the fact. They are stealing homes. I have filed 8 modifications and NOT received any formal answer to 1. I offered $ XXXX to assist to bring pmts current, they refused. Our attorney has done all his due diligence he can. They fail to provide original notes, they fail to provide any discovery at all. They claim to have the Certificate that states they have the original notes. Well if they have the original notes then produce the original notes. When we had our mediation, even their own attorney states that there is not 1 person he can speak with with regards to mediations, negotiations, or discussions to save our home. They have no standing. They are seeking a NON JURY trial. As the homeowner I have the obligation to defend my title. They want a NON JURY trial because the banks will have to prove everything. I do n't even know who they are. There are multiple cases and lawsuits against XXXX. They do n't even exist, US Bank does n't even exist nor have they stated they have any trust fiduciary responsibilities with my home. This is another housing bubble created by a wealthy hedge fund. No one seems to care. There is no actual assignment to them, They have nothing but photocopies of my notes. Nothing is original. I need STATE and FED assistance ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: PA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Selene Finance LP
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX representing my client. His house is in foreclosure and has XXXX separate liens on the property. The first lien holder Selene Finance gave us an approval to list the property for sale as a short sale to avoid foreclosure. They told us that we needed to have it sold before XX/XX/2017 or it would go to sheriff sale. We put the house on the market and had it under contract for full asking price within 6 days at the approved price Selene finance told us to list it for. I sent the agreement of sale and all supporting documents they asked for to them to review and within a few days they issued an approval. The approval letter is dated for XX/XX/2017 but says we have until XX/XX/2017 to complete the process or this home will go to sheriff sale. 

The second lien is with XXXX. It 's a {$37000.00} Home Equity Loan. When I spoke to the representative at XXXX she gave me a list of documents needed for them to do their own valuation of the property and what they will accept as a final settlement. The representative said their process would take about 30 days to complete once they receive the documentation they needed. One document they needed was a statement of the first lien payoff balance which we requested from Selene Finance and have yet to receive thus pushing back the process for XXXX even further. 

After to speaking to my broker and other resources, it has come to my attention that Selene Finance is practicing something called " Dual Tracking '' and by doing this it almost guarantees that the homeowner wo n't be able to sell this house and avoid foreclosure. All we are asking for is an opportunity for the second lien holder to do their investigation and for the buyer in this transaction to obtain financing once all approvals have been given from both Selene Finance and XXXX. Please advise on what we can do to delay the sheriff sale on XX/XX/2017. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have attempted to change the business name and address for my business credit card for the past year, from XXXX XXXX to XXXX XXXX Because the XXXX XXXX name keeps appearing on US Bank 's statements, the Post Office has not been able to deliver the mail with the statement to my business. The " unit '' for my business address must have " XXXX '' for the mail carrier to recognize that the mail belongs to me ; without this, the mail carrier is forced to return the mail to the sender, US Bank. 

Whenever I call US Bank, they tell me different supporting docs are required to have the business name changed. I have faxed US Bank the requested docs at least 4 times since XX/XX/XXXX, and these faxes are attached. The last couple of times I've called, the reps and supervisors on the phone have ensured me they have received everything to change this business name and address, and they need 2 weeks to implement the change. 

As of XX/XX/XXXX, the statement that I must keep pulling online still has my old business name on the address, and I have yet to receive a statement in the mail. 

US Bank must tell me over the phone exactly what proof is needed to have this name changed, not keep changing their story on what is required, and not force their customers to fax multiple times their requested docs. I speak to different reps every time I call, which is expected from a big company like US Bank, but they must be trained to advise their customers consistently, since they are after all one company. They should not make it difficult for their customers to actually pay their bills on time. And I don't know why US Bank has all these requirements just to change the address so that the proper business name appears and the mail carrier can deliver my statements without confusion. 

I assume US Bank is not maliciously making this difficult just to try to have me miss payments, and pay interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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 filed a dispute on XX/XX/23 for the tradeline XXXX XXXX XXXX XXXX. I received a letter after I filed this dispute from the company after reaching out to them and the letter states they will remove this tradeline within 45 days. I don't have 45 days to wait because I'm looking to buy a house. I have attached the letter from them and highlighted the paragraph toward the end of the letter that states this tradeline will be removed. Can you please removed the tradeline per this letter as soon as possible please? Thank you.

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 2021-05-18
Company: EQUIFAX, INC.
State: AZ
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a Leave and Earnings Statement ( LES ) from the military with my social security number and the bank account number that shows I had money going into this account. I also had my disability compensation deposited into this account. When I went to check on my account, first I was also told by a representative that there has never been an account opened with my name at the bank. After I showed her my LES, she then told me that my wife closed and reopened the account under a different name. I told her I have never been married. She said she would not assist me unless I could tell her the name on the account. On a different day, I went back and spoke to a bank teller, and she told me there was an account opened with the bank account number listed on my LES  and under my name, but the current name on the account was not the same as the one the account was opened under. 

I have filed two prior complaints ( complaint # XXXX and XXXX ) in an attempt to address this same issue. I have been contacted by a representative and I was told I would receive a settlement offer but the number provided via voice message and the letter I received through the mail did not work. 
After I filed the second complaint, I was told again I would receive correspondence by mail, but that correspondence never came. 

The number I received a call from ( XXXX ) and spoke with a Bank of America Representative was on XX/XX/XXXX ( Friday ) at XXXX XXXX. The call lasted for 2 minutes and 15 seconds. 

I have made the following calls below to the Correspondence Review Department at phone number ( XXXX ). The automated message isPlease leave your name, phone, and address of property you are calling about. I have left a message with each call. XX/XX/XXXX ( Tuesday ) XXXXXXXX XXXX 49 seconds ( Outgoing Call ) XX/XX/XXXX ( Tuesday ) XXXX XXXX 56 seconds ( Outgoing Call ) XX/XX/XXXX ( Thursday ) XXXX XXXX  57 seconds ( Outgoing Call ) XX/XX/XXXX ( Friday ) XXXX XXXX - 1 minute 31 seconds ( Outgoing Call ) XX/XX/XXXX ( Friday ) XXXXXXXX XXXX 1 minute 3 seconds ( Outgoing Call ) XX/XX/XXXX ( Monday ) XXXX XXXX  - XXXX minute XXXX seconds ( Outgoing Call ) XX/XX/XXXX ( Thursday ) XXXX XXXX  1 minute 6 seconds ( Outgoing Call ) XX/XX/2023 ( Thursday ) XXXXXXXX XXXX  59 seconds XX/XX/2023 ( Wednesday XXXX XXXX XXXX XXXX minute I have not received a call back. 

This is the second time I was informed that I would receive a response in regard and the second time that response has not come to pass.

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