BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX XXXX / XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-28
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2022-10-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I closed on a house in XXXX XXXX with US Bank as my lender. For the last year I've received increasingly large and concerning tax bills that were not reflect in my escrow account, which was set up to pay my taxes and home insurance. I have already had to pay late fees because of the escrow account not properly paying my property tax bills. 

More recently, after receiving my most recent tax bill, my bank has informed me that they are increasing my monthly payments to account for the tax bills they failed to account for when they gave me my mortgage, indicating that they are not responsible for any prediction of tax burden beyond just using the last available tax record from the county. 

XXXX County due to its size only re-assesses property values after the sale of a property, for single family homes at least. US Bank used the assessed price from XXXX when the property sold for HALF the value I purchased it for. 

US Bank is asserting that they had no responsibility, nor way of knowing that the tax burden on my house would be twice what they had estimated when I signed the mortgage. This is a patently absurd assertion as they themselves admitted that the tax burden they indicated was an estimate, so I as the consumer naturally assumed that it was an estimation of WHAT I WOULD BE PAYING. Not an estimation of what the previous owner had been paying. 

Due to this large miscalculation and their complete failure to take any accountability, I am now concerned that I won't be able to remain solvent for an extended period of time, additionally, I would not have signed the mortgage if I had any indication that my monthly payments would exceed 4,000 dollars as they now claim they will. 

I know that this is an intentional negligence as the appraisal that the bank required me to get estimated my home 's value at XXXX $ and the county assessed my home at XXXX . So the bank had all of the necessary information to make an accurate tax estimate and they chose to not do the necessary work. They told me, explicitly, that they intentionally do not calculate those estimates. That is intentional negligence. Plain and simple. 

Attached are my most recent tax bill with the assessor 's value for my house. The appraisal of my house and the final quote for my mortgage with the tax estimations from the time of signing.

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 2019-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a Bank of America Advance Plus Banking Checking Account on XX/XX/2019 with the following offer : XXXX : XXXX which says I am to receive a {$300.00} bonus after {$4000.00} in direct deposits within 90 days. My employer deposited {$2300.00} on XX/XX/2019, {$1900.00} on XX/XX/2019 and {$2400.00} on XX/XX/2019. So within the 90 day period I had well over the required amount of direct deposits. The offer also reads that within 60 days of satisfying the requirements the {$300.00} bonus should post. I satisfied the {$4000.00} deposit on XX/XX/2019 so I would expect the {$300.00} by the end of XXXX, 2019. I called in XXXX to get a status update and I was told I would get an update in 60 days from then. Today is XX/XX/XXXX and I called Bank of America and I was told the back office is still looking into it and to call back every few weeks to check. I told them I'd file a complaint because I refuse to wait longer.

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 2017-10-07
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: Account information incorrect

Complaint:
Experian continues to block my dispute of the account listed on my report as XXXX XXXX XXXX account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and Experian will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If Experian really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.

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 2023-09-06
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My husband purchased a {$500.00} Vanilla visa gift card from XXXX for my birthday and it turns out the card had been tampered. A fake paper barcode was placed where funds can be scanned to and funds went to a scammer. We went back to XXXX that same evening and the store employee pulled all gift cards from the rack confirming all had been tampered with opening up each one to find a fake barcode inside. 
It has been a month and a half that I have been able to get a response from Vanilla gift card. I sent in all receipts and proof of scam and still no response. Every time I call they say it is still under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 they violated my privacy and confidentiality under 15 U.S.C 1681. Accounts for XXXX XXXX, XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  acct. # XXXX ; XXXX XXXX  acct # XXXX ; dept of ed/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX ; XXXXXXXX XXXX XXXX  acct XXXX XXXX ; XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ; XXXX XXXX  college XXXX XXXX  # XXXX ; XXXX acct # XXXX have violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account with out written instructions. 15 U.S.C 1681 C. ( a ) ( 5 ) section states no consumer reporting may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than 7 years. 15 U.S.C 16815-2 ( 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 accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I called navient about my private student loans at XXXXXXXX XXXX  to cancel my XXXX payment. I was then told I would be removed from the rate Reduction Program and I would have to call back in XXXX to reinstitute the rate Reduction Program so I could resume payments. Previously my account was put into the rate Reduction Program in XX/XX/XXXX. I called today XX/XX/XXXX as instructed, to reinstitute the rate Reduction Program for my private student loans I was then told a payment had been already posted to my account on XX/XX/XXXX for the agreed-upon amount from the terms discussed in XXXX of XXXX. The navient employee I spoke to said that I had received unclear information from the XX/XX/XXXX phone call, he told me that the agent may have said could vs. would as far as being removed from the program either way the problem was and a payment of {$300.00} was removed from my account without my knowledge when the agent on XX/XX/XXXX told me my payments would be canceled and I would have to subsequently call back to re-enroll in the program. I spoke to navient for 54 minutes discussing this problem there is nothing more to do at the time I want to lodge my complaint and I want this to be evaluated because this is not the first time that I feel as though I have been deceived or misled by this lender as well as other lenders such as XXXX XXXX and Sallie Mae when it comes to my private student loans in the past. I have never had a specific example with dates and times as to my feelings about being misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: OH
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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2020-12-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX of 2020, American express abruptly changed my APR from 13.24 % to 29.44 %. I did not notice this until XXXX XXXX, 2020. When I called American Express inquiring why I was paying what I perceived as exorbitant interest on a relatively small balance, they told me I had a " late payment '' that triggered a penalty fee in XX/XX/2020. At that point, the agent reduced my interest rate back to 13.24 % moving forward from XX/XX/2020 onwards, however I was still responsible to pay the interest incurred from XXXX of 2020, which amounted to {$520.00} extra interest than expected. 

Later, I called American Express again asking to remove this interest rate on the basis of being a loyal cardmember for over 16 years. They refused to return the interest that was charged. 

This inspired me to dig into my monthly statements, and what I found was disturbing. I pulled up all of my monthly statements from the period of XXXX through XX/XX/2020 and discovered that American Express had, without notice, fraudulently increased my interest rate to over double the 13.24 % usual interest rate, starting in XXXX of 2020. I cross referenced every single payment and all minimum payments and confirmed that each month during the year I had paid in full, and on time. Furthermore, I had autopay setup, so there was no possible way that underpayment could have happened. Essentially, American Express first lied to me, and then when I called back after researching my all of my monthly statements, they claimed that some returned payment in XX/XX/2020 was to blame. When I looked into this, I discovered that yes, a returned payment did occur, however I paid XXXX additional times for a total payment of {$4200.00}, when my minimum payment was {$1700.00}. It is fraudulent and illegal for American Express to raise my interest rate without just cause, and furthermore without notice. I would like that the CFPB corrects American Express ' practices to improve their record keeping to actually look at customers total monthly payments and dates before they fraudulently increase interest rates and rip people off. I felt cheated and taken advantage of. American Express definitely was not looking out for the customer in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: MI
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:
Identity theft accounts are not accurate and the accounts are not mines.they are damaging my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My debt got sold to Shellpoint Mortgage Servicing at the end of XXXX. Since then we have communicated with them twice about the following issue : When we send additional principal payment, they apply it to the monthly principal and interest payment.They essentially prevent early principal repayment. The first time it happened they said we need to use the official slip and write explicitly that it is principal only. We have done that and they continue with the same practice. They are blocking our early debt repayment and I believe this is fraudulent practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Marlette Funding, LLC
State: NV
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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: OR
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Prior to this being placed on my credit report I received no prior notification which places them in violation of FCRA and FDCPA laws respectively. 

The debt has not been validated. 
I have mailed the following letters directly to ERC for validation- 1st request for validation letter mailed XX/XX/2021 I received no response. 
Second debt validation letter was mailed XXXX Again I received no response. 

Im requesting this account be removed from all credit Bureaus immediately. 

Thanks for your time and attention to this matter.

Company response to consumer: Closed with explanation