BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-07
Company: EQUIFAX, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
XXXX received my payment of {$1400.00} on XX/XX/2018. XXXX   has investigated and has updated my credit report and credit score. 

XXXX and Equifax has not been updated by XXXX. Disputes were submitted, but results aren't complete. XXXX is refusing to report my payment to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
NONE XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Experian Information Solutions 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:
XXXX reported my account past due and they refused to validate my account. I asked to validate my accounts by providing documents bearing my signature.

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 2019-06-01
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
U S bank has charged me $ 550.00+ in bank fees since XX/XX/2019 2019

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 2023-08-07
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This mortgage company wants to charge is XXXX more a month for escrow shortages and when we ask what is from we always get a new answer. First they said they made three homeowners insurance payments in a span of three months and wants to say its our fault. Now they are saying that they refunded the seller the escrow and that we agreed to it in the purchase agreement which I didnt. We are asking for proof and still no answer. Who agrees to refund the seller escrow for a year of taxes on a home you just closed on in XX/XX/XXXX. Closing is another thing we closed in XX/XX/XXXX and made us paid more the mortgage payment on XXXX but they told us we couldnt move until the loan assumption was finalized. So we closed in XXXX and they didnt let us move in until after XX/XX/XXXX. 

Here is an email I sent them last week and still have received a response from them : I wanted to make you all aware of a major problem I am having with my escrow and ask for your assistance. Flagstar bank is telling me that I have a {$10000.00} shortage on my escrow account because of multiple erroneous insurance payments. 
According to the customer service rep we spoke to this morning, one payment was made from the escrow account in XXXX prior to my closing in the amount of {$2600.00}. 

Another was made on XX/XX/XXXX for {$3000.00} to XXXX also prior to closing. 
Another two were charged to the seller at closing in the amounts of {$3300.00} and {$3000.00}. These two amounts originated because we got two quotes. Even though we told multiple people at Flagstar in phone conversations and in email, that we were only going to go with the XXXX ( underwritten by XXXX ) quote and the other ( XXXX underwritten by XXXX ) should be disregarded. These should have never been charged to the seller, but since they were. We were instructed to wire an extra {$6400.00} after closing to cover their erroneous charges, and then request a refund from the insurance company we were not going to use. So that is what we did and we did receive the refund from XXXX for {$3300.00}. 

The {$3000.00} and the {$3300.00} are both noted in the closing disclosure erroneously. The {$3000.00} was refunded to Flagstar on XXXX. 

Was the {$3300.00} refunded to the seller from the escrow at closing but possibly not recorded? 

We do not have any accountability of the {$2600.00}. Logically we can assume that it was a normal scheduled insurance payment from the sellers escrow before they sold the house. They should have been refunded the prorated amount for XX/XX/XXXX- XX/XX/XXXX. If the refund went directly to the seller then the escrow account should never have credited that amount to the seller, essentially paying them twice. 

This was there first explanation of the missing funds and now they are saying something different.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: IL
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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account Name 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 they are false.

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 2019-06-01
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:
These accounts are fraudulent XXXX XXXX XXXX {$5400.00} XXXX XXXX {$320.00}

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 explanation
Consumer complaint received 2022-11-05
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: Bright Capital Inc
State: FL
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
I used Bright Builder on the Bright Money app, intended to take $ XXXX monthly from my account and report it to the credit bureau. The {$10.00} was only charged once and never reported. I was then charged XXXX for a membership that I did not sign up for which is stealing. Now there are many micro transactions happening daily in the amounts of XXXX cents, XXXX cents, XXXX cents, etc. for another service that I didnt sign up for, which is also considered stealing. I contacted them through their in app help line and was told these transactions would stop yet they continue ( stealing yet again ) and my account has even overdrafted. This company is clearly a scam and needs to be treated as such

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 https : //www.ftc.gov 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 XXXXXXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 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 2023-01-20
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:
I have a loan with XXXX XXXX I have always made my payments on time. For some reason, I realized that there were XXXX, XXXX, and 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted Transunion multiple times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30, 60, and 90 days late since it's a closed account & Ive never been late. Please investigate this matter & update accordingly. 

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 2023-03-23
Company: EQUIFAX, 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:
In accordance with the fair reporting 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 : account numberXXXX XXXX XXXX XXXX : account numberXXXXXXXX XXXX XXXX XXXXXXXX : account number-XXXX XXXX XXXX XXXX : account number-XXXXXXXX 15 USC 1681 section 602A states i have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s- ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00}

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 explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-06-01
Company: EQUIFAX, INC.
State: TN
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 Im XXXX and I wanted to let you know that I went to get a loan so I could help my moms with her meds and the bank that I have been with denied me. I ask the man why and he showed me a copy of my credit. There are some items on there that are not mine and if you guys could help me with this that would be great. I have contacted the FTC and the police. I'm doing this on my own behalf. 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 non-monetary relief
Consumer complaint received 2018-07-19
Company: MARINER FINANCE, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got the loan check in the mail from Personal Finance Company. They mailed a check for loan and all I had to do was sign it and cash it ; which I still have that letter. I paid my payments diligently. Subsequently, Mariner Finance took over this business. I had paid out a money order 2 payments of {$170.00}, which Mariner claimed to have not gotten, which I honestly believe they had the money order. So, they had me to come in to discuss the missed payments. While there I was told about the missing payments and that they didn't receive it. So, I said I was willing to make those payments so that I will have the same payout date. But, the man handling my account was very aggressive as to having to rewrite the account, which I was alright with but I did tell him I wanted the same payout date. I'm filing this complaint as usey because I feel like they are recharging me and I'm again STILL paying a finance charge of {$570.00}. My problem is why after paying on this loan for 5 months previously am I still paying interest of {$570.00}. It just doesn't sit right with me. 
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 2017-09-21
Company: TRACO INVESTMENT CORP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/XXXX of this year, 2017, I received a Wage Garnishment notice from my employer, by XXXX XXXX XXXX XXXX XXXX XXXX. This was to my surprise, because I was not aware that this old debt still existed, since as I understood, it was a time barred debt that had not been in my credit for many years. 
After acquiring the referenced legal documentation on my own, I reviewed it and found several clear and obvious " flaws '' in the core legal documentation. I noticed the following : JUDGMENT ( VOID ) : 1 ) The Proof of Service ( " POS '' ) for the initial Small Claims document, Plaintiff 's Claim, was NOT served properly, because stated therein : A ) Manner of Service, " Personal Service '', incorrectly states the wrong apartment number ; and B ) Even IF, stated the correct Apt number, it would still be a false and fraudulent statement ( needless to reference all the code/rules violations ), because I had moved out months before the supposed service period. 
Thereof, it is my understanding, that this void judgment would render this wage garnishment without merit, invalid, and VOID. 
In Addition, but at this point, less significant, the following : NOTICE OF RENEWAL OF JUDGMENT : All post renewal of Judgment documentation has been supposedly been served by mail, with these technical issues : A ) Again, reiterating, I have not lived at such documented residence, for way over a decade ( 16 years ) ; B ) Obviously, any remote due diligence attempt to verify the documented address to be my current mailing address were unsuccessful ; and C ) Any direct or indirect claims such as by affidavit, to have complied with required process service Rules/Codes would be clear violations of such pertaining local rules/Rules/Statutes, subject to but not limited to, not receiving any Return Receipts/Acknowledgments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: NJ
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:
15 U.s.c 1681 section 602 A. States I have a right to privacy..15 U.S.C 1681 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.15 U.S.C1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any 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 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting 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 explanation