BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We close on our loan in XXXX of XXXX. This was a new construction home where the XXXX was responsible for paying XXXX taxes. In XXXX of XXXX we received a delinquent tax notice for our school taxes due in XXXX of XXXX. I called citizens to pay the delinquent tax bill However they charged us for the school taxes even though they were not our responsibility. Also at this time our tax lines were updated to XXXX tax amounts which were for land only and not including the home. We received an average escrow check for {$2600.00} some change in error. I called citizens again to let them know they needed to reimburse our escrow for the school base amount that was not our responsibility and to correct the tax lines because we did not have an overage. I have reached out to citizens on multiple occasions since XXXX trying to resolve and fix their error however it has not been fixed and I am still out the money for the school taxes that they took from our account in error. My last contact I emailed them the estimated amounts that I received from our county and school for them to update the tax lines and the response was that they were in the process of looking at something else and that they didn't need to look at the new request. This has been a very frustrating ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter dated XX/XX/2022 from Southwest Credit Systems, L.P. stating that they are attempting to collect a debt that I owe to XXXX. It stated that as of XX/XX/2022 I owed {$840.00} to XXXX. On XX/XX/2022, I called XXXX billing and they confirmed that my account was up-to-date, and I had no outstanding payments. The representative stated that the letter was probably fraudulent and they see these all the time. Per the representatives instructions, I reported the letter to XXXX fraud department too. I thought no more about it. 

On XX/XX/2022, I pulled my credit report with all three credit bureaus, which indicated that I had an outstanding balance of {$490.00} with XXXX in collections. I called XXXX on XX/XX/2022 to discuss report the issue, and XXXX billing again confirmed I had no outstanding balances, and that theyd continue researching and call me back on XX/XX/2022 at XXXX XXXX. I called XXXX back at XXXX XXXX on XX/XX/2022, and I eventually was connected to the collections department which indicated that the outstanding balance was related to service at an address where I never lived. They said that the service was signed up under my full name, my social security number. This is the first time I realized I was a victim of identity theft, and I reported it to the local police and the FTC. I also filed a dispute with all three credit bureaus. 

On XX/XX/2022, I called XXXX collections to discuss how this happened. They indicated that in XX/XX/2022, they reached out to the phone number and email address provided by the identity thief regarding the collections but never reached out to any of my actual contact info on file. They stated that XXXX never would have told me that I had an outstanding balance, unless they searched by my SSN -- which they confirmed I've never fully provided to XXXX. I then emailed the fraud packet to XXXX 's identity theft department. And I sent my proof of identity theft to XXXX via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
In light of the recent security breach of equifax I 've had to freeze my credit and incurring the fee, especially from Equifax seems a bit like a slap in the face. 

It was their poor security that led to this, why should they be rewarded with more money to bandaid their own mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have never lived at this address XXXX XXXX, XXXX THIS SHOULD BE REMOVED FROM MY REPORT BECAUSE I HAVE NEVER LIVED HERE I have inquiries on my report that did not have my permission to check my credit report the inquiries are I did not give XXXX XXXX permission to pull my credit report I did not give XXXX XXXX permission to pull my credit report I did not give US SMBUS ADMIN ODA permission to pull my credit I did not give XXXX permission to pull my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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:
I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX and/or XXXXXXXX XXXX XXXX XXXX. I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.

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 2022-06-07
Company: EQUIFAX, 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, Dept of Education/ XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
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:
The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been having serious issues paying my mortgage both being due to XXXX as well as XXXX XXXX XXXX XXXX As a result, I applied for a loan modification. I submitted every document that they requested. Upon their review, they denied my modification as they said I had too much equity in the home. The bigger problem is that I have an abysmal credit score ( under XXXX ) and I can not qualify for a line of credit or a refinance. I have tried to explain that to them and they basically said they don't care. It's my problem, not theirs. My family has owned this house for over 40 years. In fact, my father went through a similar situation in XX/XX/XXXXand they ended up selling the house in foreclosure even though they stated they would not. As a result of the house being sold, the new owners came to the house and brought moving trucks to move my father out. My father overreacted and the police were called, he was eventually XXXX  by the police as a result of the sale of the house. I ended up reaching out to the media and it was discovered there were some fraudulent actions taken and the bank gave me the loan to the house, which also causes problems with getting a refinance or line of credit using the equity on 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 2020-04-17
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I usually would have my cards secure but have been homeless for two yrs with no address for a new card the last time i had a child support card would be 2011 so am wondering why i havent been able to get a new one. Also where do i find the balance of the amount on my old cars

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 2022-06-29
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I disputed an account reported by XXXX XXXX Bank in the file TransUnion maintains under my Social Security number. 

I was informed on XX/XX/XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. 

I hereby demand that they immediately delete the item from my credit report in order to avoid legal action. 

They need to govern themselves accordingly.

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 2022-06-29
Company: EQUIFAX, INC.
State: MD
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 account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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 2022-03-29
Company: U.S. BANCORP
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XX/XX/2021 I missed half of a payment to US Bank on a credit card. Myself, wife and our XXXX children, including my XXXX XXXX XXXX son, became stricken with XXXX over XXXX and XXXX and were unable to make the payment and it was reported late. I entered a payment plan with the company and brought the debt current in XXXX and XXXX. I wrote goodwill letters explaining the situation and CARES Act to the company and filed disuputes with all three credit bureaus also explaining the situation and the CARES Act. They all said the report was accurate and no information on CARES Act. I am requesting that the 30 day late payment be removed from my reports with all three bureaus in repose to the CARES act.

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 2022-06-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX Date XXXX Amount : {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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: Old information reappears or never goes away

Complaint:
I am reaching out to discuss a reinsertion issue with Transunion. I disputed a XXXX XXXX account on my consumer report due to it being inaccurate information and fraudulent due to XXXX XXXX sharing this information without my consent. The account was deleted. I received a report from Transunion recently stating that the account was added back to my consumer report. This account was added back without notifying me which is a violation pursuant to 15 USC 1681i. Also, how are you all going to delete an account and then re-insert it? Furthermore, when assessing my other two consumer reports, Transunion is the only one who has inaccurate information pertaining this account. I have attached the three accounts across the three reports so that you can analyze it for yourself. Per 15 USC 1681i, Transunion is required to report 100 % maxium possible accuracy. This is not accurate. Please delete or update this 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 non-monetary relief
Consumer complaint received 2017-04-17
Company: Premier Student Loan Center
State: NH
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
I received a call from  XXXX   XXXX  of Premier Student Loan Center explaining that his company could reduce my student loan debt through debt consolidation. I explained that I had never qualified for a program like this as I and my husband make too much money.  XXXX  went on to explain that because it was my loan and not my husband 's loan we would not be including my husband 's income in the qualifying process. I found this to be suspicious, however I went along with it anyway as my loan debt is high. After a few days I spoke to  XXXX  who is the company that is taking care of my student loan debt and I have had a payment agreement with them since  XX/XX/XXXX . A rep from their office said the combined income should always be taken into consideration when qualifying for any program such as theirs or the one that  XXXX  was attempting to qualify me for. Otherwise, I would need to file my tax return separately for my husband 's which I would never consider doing.  XXXX   XXXX  submitted a repayment plan to  XXXX  that was noted as a Suspicious Application as it states that my husband and I do not file taxes jointly and that my husband 's tax information is unavailable. This is false. We file jointly and my husbands tax information is always available to me. He is   XXXX    and I have access to his  XXXX ,  XXXX  and all other pertinent tax information. When I told  XXXX  that I was withdrawing from the " program '' he set up for me after I was approved, he said no further payments would be taken from my checking account, however I would not be refunded the {$290.00} that was taken out on  XX/XX/XXXX  as this was for processing fees and did not even go towards paying the loan. I informed him that I would demand my money back due to the fact that it was owed to me. These programs can be misleading.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX and XXXX XXXX Account # XXXX {$260.00} I have no knowledge of the account above and currently have a fraud protection on my credit report.. I reached out to the debt collector and tried to dispute the unknown item and did not get any validation stating that I owed the account above.. I received no help item was not removed or verified

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 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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/2022 I used the service of XXXX XXXX to send money to family. The company gave me the option to draw directly from my savings or use a credit card or pay cash in a facility. I chose the credit card because XXXX XXXX offered a promo code to reduce their fee. Today when I paid my monthly credit card bill I noticed that my outstanding balance was higher than I anticipated. I called and was told that my XXXX XXXX transaction was classified as a cash advance. Bank of America had assessed a cash advance fee of {$43.00}. In addition interest accrued to over {$16.00} would be charged on my next statement. I immediately paid off the XXXX XXXX balance and requested that the fees be adjusted explaining that this was a service which I paid for using my card as a convenience. Not a cash advance. The representative refused. I closed my account. But I feel it is not fair to still have these fees pending. It is not made clear that this service is considered a cash advance. I pay my card off every month. I had multiple options to pay. I feel the charges are excessive and deceitfully charged

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 2022-07-28
Company: CURO Intermediate Holdings
State: OH
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:
Company has placed information onto my credit report that isnt correct They can not provide information to prove ownership of debt.

Company response to consumer: Closed with explanation