BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: TX
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : 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 ( Original XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX have XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-10-21
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/21 I received an alert from XXXX that there was a collection account added to my credit report. Paramount Receovery Systems is the collection agency. The company that I supposedly owe the {$1700.00} to is XXXX XXXX XXXX XXXX XXXX County which I never heard of until this morning. I XXXX XXXX XXXX XXXX and they are permanently closed. So I looked at the reviews on the XXXX XXXX XXXX and everyone of the reviews was a complaint about fraudulent collections and identy theft. 

I proceeded to call Paramount the collection agency to inform them this is a fraudulent collection claim against me. The first rep I spoke with was understanding. After being put on hold another female rep come on the phone. I explained I have no idea what this is. I have never been to an urgent care med center and I have the same family doctor for over 20 years. That female rep had the audacity to ask if I can prove account is fraudulent. I explained to her all the complaints of fraudulent collections from XXXX XXXX XXXX and her response was we don't verify that information. What??? After that back and forth she finally said we will enter a dispute. Bottom line this is a fraudulent collectiosn claim which is now on my credit report. I have already filed a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is held through U.S. bank. on XX/XX/19 I received my escrow analysis statement from the company. It was wildly inaccurate, overstating my taxes by over {$3000.00} per quarter. I contacted the bank that day and alerted them of the issue, they told me to fax in a copy of my taxes, which I did that day. I was told to give them 10 business days for an updated analysis, early XX/XX/XXXX comes they did not have it completed. A few days pass I called back, they give me an updated amount. This new amount is {$55.00} higher per month than my original payment. I requested an updated escrow analysis so I can see why my payment is going up over {$600.00} a year when my taxes are only increasing {$100.00}. Was told they'll have that done by XX/XX/XXXX. I call on the XX/XX/XXXX, ask for an update on the escrow analysis, they tell me they do not see any requests submitted. I then get told they do not create escrow analysis after the yearly analysis is completed. If the yearly analysis was wildly inaccurate, I feel I have a right to a new analysis to know why they are raising my payment. My call gets escalated to a manager, they tell me they'll submit another request. Another 10 days have past and there is no news on a new analysis and my payment is due in a week. It has been over a month with this issue and the bank can not provide a simple request.

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 2023-06-28
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with my bank on XX/XX/2023 for a purchase made on XX/XX/2023 for {$32.00}. I told them the merchant ( XXXX ) never refunded me because I was not happy with their product. The merchant claimed they refunded me but never did and I have emails with prove that I sent to my bank. My conclusion was to do a chargeback with my bank since I never got my refund from the merchant. I received the final determination from my bank XX/XX/2023 and they claimed the merchant refunded me {$25.00}. Upon checking that refund was for another transaction I did with the same merchant. I wanted to do this complaint about my bank because they are not investigating correctly.

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 2020-04-17
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As requested per the Freedom Mortgage website on XX/XX/2020, I had to fill out a loss mitigation form and a write letter in order to be consider for the mortgage relief during these unforeseen circumstances of the Covid-19 pandemic. I have submitted all the information that they have asked of me by email, I have also tried calling them numerous times but to no avail. I have not gotten an answer from a live agent only a recording directing me to go to there company website. I have received a letter from them today ( XX/XX/2020 ) and appears to me that they are trying to foreclose on my home. I have never miss a mortgage payment with this company I was only seeking assistance because of the unsurety of this unforeseen pandemic.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: GA
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/2016 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}.

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 2023-06-28
Company: American Credit Acceptance, LLC
State: CO
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:
In accordance with the fair credit Reporting Act American Credit Acceptance, XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my mortgage company, American Financial Network Inc. at the beginning of the month of XX/XX/XXXX. I made contact with American Financial Network Inc prior to my late payment date of XX/XX/XXXX in attempt to work with them on how to avoid a delinquent payment that month, due to hardship. I was transferred to several departments including the mortgage refinance department whom failed to provide me with assistance or information needed in order to avoid delinquency. Aside from several transferred calls, I was hung up on and put on hold for long wait periods. Eventually I was transferred to an outside collection agency that informed me that they could not help me because my payment was not yet late. The customer agent stated that I must be in delinquency in order for American Financial Network Inc. to provide mortgage modification options and that they could not proceed with a forbearance or any other type of loan modification over the phone. I was instructed to fill out a generic set of modification forms that did not apply to my circumstances. I was also advised that the loan modification was not guaranteed. Due to the fact that my husband and I are XXXX XXXX XXXX whom rely upon contract XXXX work and are at the mercy of the flailing economy, we contact our mortgage lender as soon as we foresee any loss of income that will enable us to pay our mortgage. We lost our home in XXXX due to being denied mortgage modification thus we are terrified of a repeat scenario and weary to participate in any mortgage modification that requires that we are in default or delinquency in order to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: 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  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 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 2018-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am XXXX Lifetime, XXXX through California XXXX XXXX XXXX Retirement Lifetime Pension. 
On Thursday XXXX XXXX XXXX XXXX XXXX XXXX my pension funds to my close account in ending # XXXX and new account ending in # XXXX was implemented so my XXXX Pension would be directed and deposited and funds be available to me in my account # XXXX on XXXX XXXX. 

So l can purchase my Prescription Medications for my XXXX. 
Chase XXXX stated on recorded phone conversation on XXXX XXXX around XXXX or XXXX California time, that l have to wait for XXXX business days, so l can have my funds on my new account. 
Chase Bank administration has violated my XXXX XXXX Civil Rights Act under Department of Justice and this is a Discrimination and Retaliation against me as a XXXX Military Veteran. 
Chase bank administration shouldn't have to hold my XXXX pension funds for two days. 
They also placed overcharge fees on my new account. 
Very Urgent Matters

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: NJ
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My family and I are going through a difficult and stressful  situation made even more stressful by my new mortgage holder, M & T Bank. Just before XXXX last year we discovered that our dishwasher was leaking for quite some time. It was to the extent that our kitchen and adjacent bathroom floor were damaged, and mold had started to grow. The workman who discovered the leak advised us to contact our insurance company. The insurance company sent in teams to block off the kitchen area, remove the counters, flooring, and to conduct mold abatement. When this was completed and the tests came back negative, the insurance company recommended a contractor, XXXX XXXX XXXX, to reconstruct the kitchen and bathroom. We signed a proposal with them and they were scheduled to start after the XXXX holidays. 

On the day the contractor started work, I paid {$2500.00} towards the half of the {$31000.00} we agreed to pay them at the start. The remainder will be paid when the work is completed. Around that time we received a check from the insurance company for {$24000.00} made out to myself, my wife XXXX, and M & T Bank. 

XXXX took the check to the M & T branch in XXXX XXXX to get it endorsed. They refused and instead gave her a number to call. They also advised her to get a home equity loan. XXXX called the number and was given an address and information to mail the check along with several documents. She complied, endorsed the check, and posted it with the documents. This was over five weeks ago. During this time, we received at least five calls from the bank requesting all manner of seemingly unrelated additional documents : some documents we already sent to them, some documents we don't possess, and some documents that are completely unknown to us. 

We sent the check to be endorsed and returned so that we can pay the contractors for their work. Instead, M & T Bank cashed the check and is now holding on to the funds. As a result, work has stopped on the repairs and my family and I are without the use of a kitchen and a bathroom, 162 days and counting. We are unable to even accommodate our son with XXXX at home because of this situation. Given the current state of affairs and the restrictions brought about by the coronavirus outbreak, there is no telling when our hardship will be resolved. All this difficulty my family is facing could have been avoided if the bank had done the right thing in the first place. 

To make matters worse, the insurance company refuses to compensate us for the continued inconvenience, even though it is a coverage included in our policy. 

We would greatly appreciate any help or advice you can provide.

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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

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 2020-07-14
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, Hello, I lost a large part of my income due to the pandemic. Concerned about paying my mortgage and after hearing about mortgage companies deferring payments for up to three months, and considering Id never been late with a payment, on or around XX/XX/XXXX I decided and called my mortgage company NewRez Financial and asked if I could have my mortgage deferred. The person I spoke with explained it shouldnt be a problem considering the COVID situation and said she'd get back to me by the end of the week. She called me back and said that my request was accepted. She said that my mortgage would be deferred from XXXX until XXXX. To be sure I asked how deferral would work and she explained that my mortgage payment would just be extended for three months tacked on to the end of my mortgage loan and that there would be no penalties, fines, or fees and that this wouldnt effect my credit. A week or two later I received a scary email requesting mortgage payment, and a week later an email apologizing for the request. I called the company about the emails and was told not to worry and to ignore any other request for payment. A week or so after that I received a letter in the mail from NewRez which I did not open. Not long after I received another letter and so I opened it and there was a letter explaining to me that my mortgage was in forbearance. I called my mortgage company about the letter and was connected to a debt collection service named Shellpoint. The man I spoke with said that I misunderstood. I am certain that I did not misunderstand. He explained to me that the 3 months of mortgage was expected to be paid in full by XX/XX/2020. I explained that this was not expected and said that I feel Ive been misled and felt I was being taken advantage of. I called and asked to speak to a supervisor and was told to expect a supervisor to call me within next couple of days. The call never came. I've been foolishly waiting for a call to straighten this situation out, however it has yet to come. I am hoping that reaching out to you can get me a positive result. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency keeps calling after I have asked them on several occasions to not call my cell phone. I advised them I do not have any accounts with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, INC.
State: GA
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:
There are several accounts that are inaccurately reporting late on my credit file. 

Equifax, XXXX  and XXXX  is reporting that I was 30 days late with XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Equifax - XX/XX/XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX and XXXX  - XX/XX/XXXX Equifax - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation