BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
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:
According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, I recently checked my credit report XX/XX/XXXX and there were a few errors on my credit account that I was told would be removed from my credit report but yet Is still reporting. I am just trying to get everything accurate. Due to everything going on In this world with the Corona-Virus, I have had more time to look at my report and notice these errors. 

Late Removal XXXX XX/XX/XXXX ( I was told by there customer service. I would be given a goodwill adjustment and that this was going to be removed from my report report ) Hard Inquiry XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ( When I found out about these 2 accounts I closed them right away as I never opened them and they were not authorized by me. If anyone can show any validation of me going to there stores signing anything. Never happened. They had agreed to remove these hard pulls from my account since I never authorized the card. The way the Customer Service rep explained was these cards will be removed from credit report all together since I owed no money and gone from Inquires since I never applied for them ) XXXX  XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud ) XXXX XXXX  XX/XX/XXXX not authorized by me ( I believe this to be fraud )

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 2022-05-05
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage is inflating maintaince charges. They make up fraud each month that is more than my payment. eg Their lawyers fees : {$3000.00} ... .they charge me {$40.00} per week to drive by my house... I call them... they tell me ... '' Yes we are doing that ... ..because we can '' ... ..Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Called the Company to address the issue about the acct. being negative not due to my doing. And outsider retrieved my information and deposited a counterfeit check which I thought was right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 Union Bank ( MUFG Union Bank ) improperly allowed an unknown and unauthorized person to withdraw {$27000.00} from our line of credit. 
The funds were withdrawn in person ( by unknown and unauthorized persons ) from a bank in California, where we have never been. The signatures this person provided did not match ours and identification was inadequately checked. 
Upon learning of this unauthorized withdrawal we immediately contacted the bank, and provided completed forms and details they requested. 
Despite several attempts to contact the bank to understand the status they inform us that the investigation will take " A while '' and while the investigation is underway, our account is still missing the this amount, accruing interest on said amount and our other funds are locked and inaccessible. 

The bank has not followed XXXX Liability of consumer for unauthorized transfers. with respect to this issue, as we are still out of pocket for funds the Bank inappropriately issued to an unauthorized, unknown party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: MI
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:
in accordance with the Fair Credit Reporting act 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 DEPT OF EDUCATION XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2018-10-20
Company: COMMERCE BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a credit card with Commerce Bank. While I had charges on the account, I was paying the billing per the amount requested and on the due date in the approximate sum of $ 100+ per payment. I never receive any statements from this creditor and I never requested digital copies as I prefer paper copies. My card was misplaced or lost and they reissued a new card and new number. All of a sudden I have charges in the thousands, and payments in the thousands. I can not now or ever have such luxuries and would not being paying sums of money that were more than the fraudulent charges. I attempted a resolution of this account when the balance was $ 6,000+. Now the account is over $ 17,000+ and the charge limit was and is {$9000.00}. I know that I have been abused by fraudulent charges by someone, but the many thousands of dollars of payments lead me to believe that Commerce may possibly be laundering someone else 's money through my account and who knows how many others. I have no explanation other than that for what has been going on in this account, only that the charges and high payments are NOT mine. Furthermore, high amounts were charged to XXXX XXXX electronics. If I wanted something at XXXX XXXX, I would have used that charge account and not Commerce. This account makes no sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Over the past two years, I continually receive blank bank checks in the mail related to my Barclay 's XXXX  Mastercard account ( XXXX ). I have called Barclay 's numerous times asking the bank to STOP mailing me checks. The last time I notified Barclay 's to stop sending checks, they opened a Case ( XXXX XX/XX/2023 ) to address my issue. However, again on XX/XX/ I received blank checks in the mail! 
I do not want the blank checks mailed to me because scammers can steal written checks from my mailbox and scammers can use chemicals to erase and rewrite checks to themselves, sell my personal info or use it to create counterfeit checks. Even the outside of the Barclay 's envelope has written, " You XXXX Essential Rewards Mastercard ... '' that tells scammers the letter has Mastercard info enclosed. 
I want Barclay 's to stop mailing me blank checks!!!

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 2020-04-08
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to the following violations : UDAAP : Deceptive and abusive practices when servicing the loan, calling in to obtain loan information and location of the loan. 

Regulation Z - Prompt payment crediting and payoff statements ( 2013 TILA Servicing Final Rule ) and federal law that states that a mortgage servicer is required to provide a payoff within 7 business days. We are far past the 7 business day mark to provide a payoff and errors being fixed. Because the ball was dropped with the loan modification on US Banks behalf and XXXX had no such knowledge of my 2nd mortgage to provide a payoff to us. Also, the paperwork we received is inaccurate if XXXX had no such knowledge of said mortgage. I have several emails of this going back and forth with XXXX. 

As a result of your negligence, violation of Regulation Z and inability to correct the errors from the onset of our communication with the loss mitigation department within allowable timeframes, Our remediation request is as follows : 2nd Mortgage/Partial Claim amount for XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, NV XXXX be released and no longer liable for said debt as there was no payoff that could provided within the 7 business day timeframe or within an understandable timeframe. Additionally, the mortgage was paid and satisfied according to US Banks representatives as of XX/XX/XXXX. 

Upon relinquishing my name from this debt, a letter to be provided confirming loan paid in full and satisfied sent to me via email. 

Kind regards, XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Additionally, We filed a complaint with XXXX XXXX Supervisor in the Loss Mitigation department on XX/XX/XXXX and it has been 6 business days since and we have not heard anything from any escalated department regarding our complaint and the regulatory violations we submitted.

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 2022-11-03
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: 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. 
1 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX, Account number XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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 2020-04-08
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning with my XXXX payment ( they bought loan in XXXX ), they stated I did not make the payment and I provided them with the proof of payment. They advised that the loan number was wrong, however, I copied it from the letter they sent. They also stated they would remove the late fee of {$49.00} which does not show to be removed as of this writing. I reported them to the XXXX  and they advised the XXXX  they removed the payment on XX/XX/2020. I spoke with a representative again shortly after I changed homeowners policies because my escrow went into the negative. The representative advised that since the tax disbursement ( which they paid 3 months late ) and the homeowners were recently paid, he stated that I would be able to catch the escrow " back up '' with no changes to my payment or account. On XX/XX/2020 they made 2 disbursement payments for {$140.00} and the history showed - {$140.00} insurance disbursement and then - {$140.00} escrow. If this was applied to escrow, why the negative notation? Also, 2 payments for the same amount on the same day, they couldn't explain. These disbursements were prior to changing my homeowners policy. Then on XX/XX/2020 the same : - {$140.00} insurance disbursement ; - {$140.00} escrow. The representative could not explain what these were or where the money was applied. Additionally, my payment went up {$110.00}, even after the last representative assured me it would not. Their website does not show where funds are applied or deducted just simple notations with no explanations. I have had to call regarding problems every month for the last 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Hi, I'm a XXXX XXXX  making XXXX a year and have been paying on my mortgage for 20 years without fail. 
I have an XXXX  mother and XXXX dogs to take care of. 

Lost my job in XXXX. Called Mr. Cooper to let them know. They said they could offer no help and to call back after I missed payments. 

This company also has problems with their phone system, have been notified, and make it nearly impossible for customers to reach them. 

Got a job and haven't received first paycheck yet. Called Mr Cooper to make arrangements and they're threatening me with foreclosure because I'm 3 months behind. 

I can not pay the higher interest rate for the loan to be modified, I can not afford that. 

It is criminal that Mr Cooper is offering no solutions. All they offered was for me to pay all 3 months by the end of XXXX ( which is ludicrous ). 

We need consumer protection- this company is using strong-arm tactics I need help, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: PA
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:
After reviewing my information on the Experian website after identity theft, their website prompted me to call them. I called and the amount of prompts to get to the person they told me to contact was more than 5. Theyve made it extremely difficult to dispute due to identity theft. XXXX in disputes transferred me to XXXX XXXX. XXXX was insensitive and rude. Experian not only made the process of disputing items on my credit report difficult, they have determined that the will leave the inaccurate information as they research it. I find it highly unacceptable. Also, they promote their premier membership as Im going through identity theft and may provide subpar service in an effort to force me to upgrade. This is all unethical.

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 2022-11-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2018-10-20
Company: Riverwalk Financial Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 a certified letter was sent to XXXX XXXX XXXX XXXX. The letter asked for validation of the debt. I asked for three documentations. 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debt wherein he promises to pat the creditor/XXXX XXXX XXXX. 3. Complete payment history on this account so as to prove that the amount you wish to collect is correct. XXXX XXXX XXXX failed to provide me with all the documentation that I have the right under the FDCPA to obtain. The letter that they send to me stated that it was Verification of Debt not Validation of the debt. The amount on the letter is different form what it is reporting on my Credit reports. The information that was sent to me dose not have any of the information that was mentioned in the letter with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DO NOT KNOW HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE BUT I AM CERTAIN THAT THEY DO NOT BELONG TO ME SO I AM ASKING THAT AN INVESTIGATION AND REMOVAL OF THE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2018-10-20
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XX/XX/XXXXXXXX sent my account ( XXXX ) to A.R.M. Solutions, Inc. I received a notice from this collections agency on XX/XX/2018. My bank, XXXX mailed check # XXXX in the amount of {$63.00} to XXXX XXXX XXXX XXXX on XX/XX/2018. 
I spoke with 3 separate XXXX XXXX  representatives. One confirmed that they received XXXX check # XXXX in the amount of {$63.00} on XX/XX/XXXX. Two separate occasions I was assured by XXXX XXXX   XXXX that the account was fine and there had been a credit of {$63.00}. 
During this process, I received ANOTHER collections notice from A.R.M Solutions , Inc. dated XX/XX/2018 that read : '' Despite OUR CLIENT 'S ( XXXX XXXX XXXX ) efforts regarding the above mentioned account, this matter remains unresolved. We are requesting you make full payment. '' The payment of {$63.00} has been made and credited to the XXXX XXXX XXXX, however, A.R.M. Solutions Inc. is STILL requesting payment after having been contacted by their client XXXX XXXX. Why would they still need a payment having full knowledge from their client that it is no longer required?

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 2023-10-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1959 To who it may concern, There was a breach with the XXXX  XXXX XXXX XXXX and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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