BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 someone used my information to get XXXX. In the year 2017 I have lost my wallet and had to regain everything back. It shows on my credit that there's a balance of XXXX owed to XXXX. Please removed from my credit that is effecting me very much.

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 2015-07-27
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar mortgage acquired my loan from XXXX XXXX XXXX ( XXXX ). I asked XXXX in XXXX how to remove pmi from this loan and was sent a letter saying that I owed XXXX for removal. I sent in $ XXXX from tax refund. I received XXXX more letters from XXXX the last stated that I owed $ XXXX to remove pmi. This was 3 months ago and before the last XXXX payments to nationstar. Nationstar says that I owe $ XXXX the numbers are not even close. How is there such a descrepency? I did not ask for this change however I am not looking to lose several thousand dollars. I have requested pmi removal XXXX from nationstar with no correspondence from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX tried linking my pnc checking account to XXXX to invest. XXXX says pnc made a change preventing me from linking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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 accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
On XX/XX/19 I was notified from XXXX  the company I use to monitor my credit that a hard inquiry was pulled from XXXX from American Express and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: VW Credit
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 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 reports in general subject to subsection any consumer 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. I am demanding of the deletion of the account listed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened a checking account with TD Bank in 2020 when they offered a promotion. I deposited {$100.00} as the promotion required. But, then the pandemic occurred and I wasn't able to get service from TD Bank. Each time I called, I was on hold endlessly without anybody picking up. The branches were closed during the pandemic, but the drive thru was open. Since I couldn't reach a service rep, I decided this account wasn't worth the hassle and went thru the drive thru and told them I wanted to close the account and I wanted my {$100.00} back. The teller person said they would close the account and refunded my {$100.00}. I never got to use the account but TD Bank then began charging me fees because the {$100.00} was no longer in the account. 
I have tried to resolve this issue with TD Bank several times but now they give me a recovery company who is trying to recover fees for a checking account I couldn't get service on, never used, and closed, however, they didn't close the account so they could charge me fees. I am not paying for something I didn't get and they were negligent and did not close the account when told to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: NJ
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:
I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Earlier this year, the escrow amount due on my account was updated and now written notification of the change was received. This resulted in my auto payment short falling a small amount ( around {$200.00} ). As soon as I was made aware of it by the bank ( who called from a number my cell carrier said was a 'spam call ' ) I paid it in full and adjusted my payment amount. I also notified them that I had never received the proper paperwork for the escrow change. They agreed to remove all late fees and set the account to current, and that their escrow department would reach out to me in the near future. 

This month, I began the process of refinancing and found out that the bank reported that my mortgage was past due, ruining my credit score and making impossible for me to refinance at the rate I deserve. Because of the way the bank does not apply partial payments, it looked like for short period that my loan payments had been missed entirely. This has never happened. 

It should be noted that I had almost the exact same problem with them previously and that it did not get corrected until I filed a report with the CFPB, so I am doing so again now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-10
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX   ), and XXXX v. XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL 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 2023-06-23
Company: Atlanticus Services Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX of this year, I made a {$34.00} payment that they refused to acknowledge although it was cleared by my XXXX XXXX and not returned. On XX/XX/XXXX I had another {$34.00} payment with the same issue. On XX/XX/XXXX I made a payment of {$130.00} that they said they reversed due to insufficient funds, however the funds were there and I did not receive this money back. My payments were also originally set for the fourth of every month and they slowly rearranged the dates back until they were all on the XXXX of every month, after they learned my paydays were the first and the third. Also they charge me two payments every month. One of XXXX and one XXXX. Please get the money returned to my XXXX XXXX account. I will be closing the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed complaint # XXXX about BANK OF AMERICA HOME LOAN and received an email today from CFPB that BOA can not respond to the complaint because I never submitted 3rd party  authorization. I submitted twice. Once by fax the other by direct email to XXXX on XX/XX/XXXX, @ XXXX XXXX along with additional documentation that was requested of me. I have been talking to XXXX XXXX and he has never told me that he never had it. He called me today and didn't leave me a message. He told me yesterday he would have a reply for me this week and now I see this from your offices. 

I am filing this complaint to address them not processing the modification request sent to them on XX/XX/XXXX and I am filing this complaint against Bank of America saying that I didn't submit a 3rd party letter authorizing them to speak to XXXX XXXX from XXXX  XXXX XXXX  who is a HUD counselor who is helping to assist me with the loan modification. BOA is running out my time so that this house will be sold without them dealing with the modification request. They keep asking for documents and every time I give them something they ask for more. I have proven there are funds to cover the modification but they won't accept or deny it nor will they offer any other options and this is what this company does by using up time to cause people further debt. I need help getting them to process the paperwork and not sale the house because they refused to acknowledge they dropped the ball and didn't process the paperwork submitted to them on XX/XX/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 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )

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 2017-12-10
Company: EQUIFAX, 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:
I have send this credit bureau several letters and filed over several complaints that has been ignored over and again about them reporting addresses that I requested that they remove and are not accurate due to fraud and other reasons I ask that they remove any and all address reporting on my credit report for this is my second request of this where i send in proof with a copy of my paycheck stub and update it with my address that is listed on my current drivers license that I have attached also I have disputed for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 

1. XXXX XXXX XXXX XXXX-XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused as I have made contact with the creditors as well as they informed me to contact the credit bureaus In which they are the only credit bureau reporting these inquiries and refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NC
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 explanation
Consumer complaint received 2020-06-05
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:
Companies refuse to remove account that was opened before I turned XXXX. This account is has not legal standing on my credit report as I was well below XXXX when the XXXX account was opened and not able to give my legal consent. The companies also refuse to remove collections that are in no way related to me or have any legal standing accounts are 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 explanation
Consumer complaint received 2021-08-12
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a member of this company since XX/XX/XXXX, with an extended credit limit of XXXX, they have reduced my limit to XXXX ( which I wasn't happy about but I let it slide ). Now today XX/XX/XXXX i am being informed that both my Credit card with Card Member Services has been shut down, for no valid reason. I have NEVER been late on a payment. I also make big chunks of payments of XXXX here and there to reduce the utilization from time to time. ( see documents attached to prove ). When they told me the reason they said i was a credit risk. they have fraudulently checked my credit report which is a violation of my rights and never gave permissible purpose. FCRA 1681 usc ss 604 states that! they did not give me any warning what so ever. regardless i have great credit and they broke the law. i will also be filing a XXXX  complaint against the company for mal practice. them shutting down my card put my credit in a bad situation and i will seek litigation action. i have been using their cards for over 2 years. that was just one card. they also shut down my us bank card with a limit of XXXX. when i tried to go to the store and swipe my card it was declined which was embarrassing. come to find out my us bank card is matched with card member services. it was both a XXXX cashback card and a us bank flex perks card. they shut both of them down because they said they check my credit score ( without my authorization or permission which is a violation of my privacy right and the law )

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 2022-11-21
Company: Experian Information Solutions 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:
Well, in reviewing my credit profile from Experian Credit Bureau I've noticed that my request in removing addresses listed on my consumer file are still showing as my homes addresses which is totally inaccurate as previously noted. I do not know the whereabouts of these addresses but it's in my Federally Protected Consumer Right according to - 15 USC 1681 i ( 7 ). that state that everything is to be complete and accurate. 

I've never lived in any of these addresses as they're listing as business addresses * XXXX XXXX XXXX, XXXX XXXX, CA XXXX * XXXX XXXX  XXXX XXXX, XXXX XXXX CA XXXX XXXX 15 USC 1681 i ( 5 ) ( A ) ( i ). State that inacurate information is to be modify or deleted per status or incure a violation of a {$1000.00} per error or per item *****See Attached copy of report 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 2017-12-10
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has repeatedly called my phone at least three times a day. I have had to block calls just to get them to stop. No messages left. Just keeps calling with the intent to harass and intimidate people. I looked up the number and found it was EGS Financial Care , Inc., also known as XXXX who has been sued multiple times for harassment by people. They even have called after XXXX at night. Again no message but looked up number and matched them.

Company response to consumer: Closed with explanation