BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
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. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number XXXX 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home burned down. I called for the pay off amount, spoke with someone, and sent that amount to rocket mortgage from XXXX XXXX. Someone called and stated that my home insurance needed to be updated. I explained to them that the house had burned down and that I'd already sent in the mortgage payoff amount. I got an email from them that it was sent to claims processing and a claim rep would be in touch with me soon (? ). I requested a telephone call with the representative they set me up with but we kept missing each other and were conversing via email. I had some questions and was directed to reach out to a different number. I did and the process and what was happening was explained to me. The claims representative had previously sent me a check for XXXX. They explained that that was to help me rebuild my house and that as progress continued I would need to send additional documentation. Also, that I needed to continue to make monthly payments because the check had been sent to my restricted escrow account. I thought I was good and had a handle on understanding the process. I then get an email from them that my insurance has expired and I need to upload an update so they won't add their hazard insurance. What are they insuring???!!! As a mortgage company they have been exceptional, and even in trying to assist me in getting funds to rebuild my house they are really helpful. Communication is terrible though. Maybe if I write this down someone will notate my account appropriately and contact me about what next steps going forward are and make sure that all departments are moving in the same direction. I've called and spoken with several people but still there seems to be a disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with equifax on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Equifax is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Protection Association has sent a bill they " bought off XXXX '' for a debt from XX/XX/2017 I 've never had XXXX at the address listed and have n't lived there for over nine years. The account number listed is not only not mine, XXXX informed me it 's not anyone 's. Furthermore the " several attempts to contact me '' are two letters. One to notify me initially and the other inform me that my debt was being reported to the credit bureaus. Suspicious because the final notice is dated two weeks before the initial notification. CPA has reported " debt '' to the bureaus.

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 2023-09-20
Company: U.S. BANCORP
State: VT
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
US Bank did not iniciate an Escrow Analysis since I requested several times to do so since XX/XX/XXXX. US Bank is unlawfully charging my escrow account for random charges including Appraisal when I'm not in forclosure or default and will not refund or cancel the appraisal, They have been charging unlawful charges to escrow in different amounts from what I can see on my account since XXXX, and will not let me see any bills from before XXXX to assess those. I have asked for a refund due to state law in vermont, : Only charges to escrow is insurance and taxes. US Bank has been charging excess fees, attorney fees, exterior inspections, dib fee?, and so on for the passed 2 years. They claim on such statement this is lawful and it is not.

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 2017-02-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently disputed a collection with Experian that I have absolutely no knowledge of. I have never received any information pertaining to this debt. I am once again disputing this medical debt and collection activity. Experian has verified it as " belonging to me '' ; however, I would like Experian to provide what information they obtained during their investigation to verify this as mine as this account is being unfairly listed on my credit report. The collection is listed below : 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter back in XXXX... XX/XX/XXXX ... and I DID NOT receive a re-investigation as requested. That is a violation of my rights! 

Please have this company RE-INVESTIGATE my accounts because I have reason to believe that they are reporting inaccurately. 

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : 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 To my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best 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 non-monetary relief
Consumer complaint received 2015-05-01
Company: Credit Regulating Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I DONTAED A XXXX TO XXXX XXXX ON XXXX THE VEHICLE WAS TOWED AT ONE POINT AFTER I HAD DONATED IT. THE TOWING COMPANY, XXXX XXXX XXXX, IS TRYING TO HOLD ME RESPONSIBLE AND SENT THE ACCOUNT TO THE COLLECTION AGENCY AT CREDIT REGULATING SERVICES, INC IN XXXX, CA. XXXX. THE VEHICLE WAS TOWED AFTER I DONATED IT TO THE ABOVE MENTIONED INDIVIDUAL. THIS HAS AFFECTED MY CREDIT. I DID NOT KNOW THAT THE VEHICLE WAS TOWED SINCE IT NO LONGER BELONGED TO ME UNTIL I RECEIVED A COLLECTION LETTER.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
We received a letter from Citizens Bank stating that two accounts ( which we did not open ) were being closed and we should immediately stop writing checks against these accounts. When we called Citizens, someone had opened up a checking and savings account in my name, using my address and ss #.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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: Account status incorrect

Complaint:
On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi I have been disputing this inaccurate and erroneous information on my credit file that belongs to someone else and i have been sending disputes for 7 months an no replies from the bureaus or answers and still the accounts are reporting on my report without proof that was requested. 
according to the fcra laws they have 30 days to respond and if not they have to remove. well its been 8 months and havent received anything. 
I have sent you some letters, i have sent to many to the bureaus but if you need them let me know

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  Account TN DEPT OF HUMAN SVCS CS, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 non-monetary relief
Consumer complaint received 2023-08-08
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date inaccurate, the date of last activity is inaccurate, the date of last reported is not accurate. This is ground of removal, they also violated my rights under 15 U.S.C 1681 section 602 A : State I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation, which I previously filed a complaint with you all about this. 

Aslo, I have received a letter from the credit bureau stating accounts was not reporting, ( 1 ) XXXX XXXX ( 2 ) US Dept Of Edu *4603 after pulling the report these item are still listed and reporting on the credit file. I called the reporting agency and spoke with a rep and she told me the confirmation number I told her is not showing up in their systems, I asked her do different departments have different confirmation numbers, and what do the dispute department confirmation numbers start with, she supplied me with the information however the mail I received that had the same 3 number for the dispute department was correct but yet she couldnt find the confirmation number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: PA
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:
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2022-09-13
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the United States Bankruptcy Court XXXX XXXX XXXX Texas " XXXX Tracking Number # XXXX '' asking if they do in fact report bankruptcies to the credit bureaus and I got a reply stating the court ( does not report information to any credit reporting agency ''. So, if this is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never conducted a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights several times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

According to : 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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 explanation
Consumer complaint received 2017-07-15
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We signed up for a new credit card -- Gold Delta SkyMiles American Express card -- in early  XXXX . There were no membership fees when we signed up. After a year of using the card, an annual membership fee was assessed for {$95.00} on  XX/XX/XXXX . We decided that the card was not worth the cost, and according to the card agreement, we canceled the card within the grace period.
<P/>
On or before XX/XX/XXXX , I called AmEx to pay off the {$11.00} balance, get the membership fee removed ( this was well within the grace period given in the agreement ) and to close out the account. I had asked the credit card representative ( over the phone ) for the exact amount needed to close everything out completely. I payed that full amount. The payment for {$11.00} posted  XX/XX/XXXX , but the membership fee reversal did not post until  XX/XX/XXXX , even though I had called to reverse it and close the account no later than  XX/XX/XXXX . On  XX/XX/XXXX , AmEx assessed a late fee for the {$95.00} membership fee that should have been reversed when I called a week earlier.
<P/>
Since then, AmEx has been assessing late fees each month for the imaginary balance due to their own negligence. I and my husband have called many times to clear this up, but each time, the credit card representatives tell us they have no power to remove the spurious charges, even after the situation is made clear to them. Instead they try to bully us into just paying the late fees to take care of the situation. They offer no other alternatives and no way to contact someone at AmEx with the power to do anything other than take our money.
<P/>
Evidently, our credit scores are now being affected, which is completely unacceptable. We would like for AmEx to reverse all charges and clear up the credit reporting with each credit reporting service affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Credit Bureau Inquiries Inquiry Date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry Date : XX/XX/XXXXXXXX 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