BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon receipt of my Annual Escrow Account Disclosure Statement, on or about XX/XX/2020, I discovered an anomaly. Although I made my XX/XX/2020 mortgage and escrow payment, the escrow portion of the payment XXXX {$1400.00} XXXX did not appear in my escrow account. 
My husband called UWM in XXXX and they were unable to provide an explanation of where the missing {$1400.00} went or why it was not applied to our escrow account. He was told they would look into it and call us back. We never received a call back or anything in writing from UWM providing an explanation. Today, my husband tried calling UWM multiple times to address this issue. He was hung up on several times after entering or providing our loan number. He was eventually able to speak to a person and explain the problem. The customer service agent was unable to assist and when my husband asked to speak to a supervisor, he was hung up on once again.He was in the room with me and I overheard this conversation. 
I attempted to go on to my UWM account online to see if I could determine what may have happened and obtain a copy of the XXXX and XX/XX/2020 statements. My account log-in information is no longer valid. I put in my loan number to try to enter the system another way and was given an error message that they are having problems locating my loan. Apparently, once they transferred the loan, they no longer give access to their system to be able to see statements from just a couple of months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, Transunion, & XXXX is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records. According to TITLE 31 U.S.C. SEC. 3123= All debts are UNITED STATES obligations

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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the USC 1692 & 1692P FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, TransUnion, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract like I requested before, the information should be removed from my credit report within 15. 

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor there any such debt in fact therefore exists. 


I was reviewing my credit report and seen some inaccuracies on my file. XXXX deleted XXXX XXXX XXXX XXXX./ XXXX XXXX XXXX XXXX due to not being able to accurately verify it so how did you? Obviosly, you did not properly conduct an investigation on this account. DELETE THIS ACCOUNT IMMEDIATELY!!! 


I have a right to bring a lawsuit! 

I need this deleted ASAP!

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 2023-06-26
Company: SANTANDER HOLDINGS USA, INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Chrysler Capital have attempted to sue me for a debt that has been charged off within their system. They have also not validated nor responded to previous disputes or cease and desist notice received XX/XX/23. ( See Attached Exhibits ). The reporting of this account on my consumer report is causing me harm and and restricting my ability to utilize my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: SC
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: USCB, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX I had 2 accounts placed in collections with Revsolve. These accounts were taken off my credit report sometime in XXXX. I believe it is these same accounts that showed back up on my credit report one for {$380.00} and one for {$180.00} with an opened date of XX/XX/XXXX. If this is not the same accounts this is fraudulent and do not belong to me. If these are the same collections from XXXX the opened date should not be XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 explanation
Consumer complaint received 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, My complaint currently Is against Bank Of America card. My application ID was XXXX. At this time, I feel the company is being discriminated since I have a last name of XXXX and they will not issue me a card at this time. 
Thanks so much for hearing me out XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX : {$13000.00}

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 2020-07-13
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX My Barclay XXXX XXXX XXXX Mastercard was charged 4 times for concert tickets from XXXX XXXX XXXX XXXX   totaling {$4900.00}. I did not make these charges- they were the only charges on the card. I was out of town and was injured so came home. I did not realize my backpack with my planner was not with me. I received a bill in XXXX with the charges on it- I called Barclay and was told to dispute it. I did. My mom came to town to help me. She paid off my card not knowing about the dispute. SO Barclay was accidently paid for the disputed charges in XX/XX/XXXX. I requested my money back in XXXX and XXXX Barclay never sent the money back. 

XX/XX/XXXX, I receive a letter stating I am responsible for the 4 fraudlent charges because box office ticket sales knows my personal information. All of the information is on my facebook page, planner or public information. I hire an attorney to help me. I discover the charges were for concert tickets in XXXX and XXXX. I was and still am injured- physically compromised. THEN I get a bill in XXXX reopening my credit card with 3 more of the 4 disputed amounts being charged to me again!! So now I have paid off the disputed amounts and am being charged again for 3 of them totalling {$3900.00}. My attorney can not get Barclay to answer him, I have filed a complaint with NC Department of Justice Attorney General- they can not get Barclay to answer them. They sent me to you. i have spent over 120 hours and countless avenues trying to get this resolved. barclay does not see their rebilling error and has denied me any help with the fraud or dispute case. I have spoken to their manager, collections attorney, investagtion department all without any assistance.It takes over 3 hours to get anyone on the phone XXXX XXXX XXXX. HELP ME PLEASE!!!!!!!! I am out $ XXXX for annual fee and am being asked to pay for rebilling error of {$3900.00}!!!! 

I have contacted XXXX XXXX XXXX XXXX and they were paid for 4 charges not 7. They stated the tickets were not used. So barclay has not paid the merchant for their rebilling 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 explanation
Consumer complaint received 2019-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 amounts ; {$1200.00} actions that were taken ; I tell you that this account is not mine name XXXX XXXX XXXX account number ; [ XXXX ] address ; XXXX XXXX XXXX # XXXX XXXX XXXX , NY XXXX Social Security number [ XXXX the debt is not mine, please delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/XXXX I payed off the XXXX dollars I had owed to Wells Fargo from a previous account that ended up in fees and later closed but the balance remained and the reason for the fees was due to financial hardship and my daughter needed diapers at the time which led me to overdraft my account. Also on XX/XX/XXXX I attempted to open a new account after paying my debt and Im unable to open and its very frustrating because Im being denied and not a reason why I need a bank account I have my own business and income coming in and no secure bank account to put money in Im very disappointed I was a Wells Fargo customer since XXXX to XXXX and they have always been the bank I talked highly about its disappointing to know they cant help there loyal customers.

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 2019-06-19
Company: EQUIFAX, INC.
State: TX
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. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX 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 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 2019-03-23
Company: NCB Management Services Inc.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Nbc management service for XXXX XXXX XXXX. XX/XX/16 {$6900.00}. I had taken a scam check to my bank XXXX XXXX. I was told it was a scam. Also i currently have a bank account with them currently. So thete is some type of mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2021, I sent a letter to Equifax credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from XXXX  of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
XXXX  removed all inaccurate address and added more that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I RECEIVE A CALL FROM A COLLECTION CO STATING ABOUT A DEBT I OWED ON A TV SERVICE. I HAVE NEVER APPLIED FOR TV SERVICE, IQUICKLY OPENED AN ACCOUNT WITH XXXX  XXXX TO REVIEW MY CREDIT REPORT. I FOUND STUDENT LOANS AND OTHER FRAUDULEDNT ACCOUNTS I HAVE NEVER OPEND OR GAVE ANYONE CONSENT TO OPEN PLEASE DELETE THESE ITEMS FROM MY ACCOUNT

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 2020-07-13
Company: EQUIFAX, INC.
State: OR
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 spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a women of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: LA
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 been Disputing inquiries by mail, phone and CFPB to have XXXX unknown inquiries removed. Even mailed and faxed FtC reports without getting remedy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiries and collections incorrectly reported on credit report. I have requested the incorrect information be deleted. 
XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE XXXXL XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE XX/XX/XXXX XXXX - CARD SERVICE Apr XXXX, XXXX XXXX  - CARD SERVICE XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : 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 2019-03-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BMO Harris will return my check and charge {$36.00} on first attempt and then in the second attempt they might pay it and charge another {$36.00}. This happens while balance is the same so they are intentionally siphoning {$36.00} two times. If they were going to pay it then they should have on the first attempt. Another strike against the worlds third biggest crooks after insurance companies and casinos ... BANKS! XXXX is taking the banking industry over, take a look at the lines at BMO Harris vs XXXX XXXX XXXX. 

Also, a BMO representative inform me that a third party actually pays the check! So BMO has the check paid and they still charge customers {$36.00}, {$72.00} and so on. They can do it because nobody governs them NOBODY! Banks are above the law and they know it. Consumer Financial Protecting Banks CFPB is more like it ...

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 2019-03-23
Company: EQUIFAX, INC.
State: KY
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:
XXXX  XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX  XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXX/XX/XXXX {$4200.00} XXXX   XXXX XX/XX/XXXX {$4200.00} XXXX  XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX   XX/XX/XXXX {$1300.00} XXXX  XXXX XX/XX/XXXX {$870.00} XXXX  XXXX had a lawsuit in XXXX.

The for-profit company that operates XXXX  XXXX Colleges in XXXX, XXXX  and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for 3,389 former Kentucky students.Kentucky Attorney General XXXX  XXXX and other attorneys general Monday announced a settlement in which XXXX   XXXX XXXX. will forgive {$100.00} million in outstanding loan debt held by more than 80,000 former students.

The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion.

The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness.

*Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} million in loan forgiveness to 5,530 Indiana students of XXXX  XXXX College and XXXX  XXXX   XXXX, i also did not receive my {$1300.00}. Due to this XXXX  XXXX  closed my accounts but did not remove them. I would like them removed also

Company response to consumer: Closed with explanation