BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-09
Company: Bass & Associates, P.C., Attorneys at Law
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
On XXXX XXXX, 2016, at around XXXX, an associate from Bass & associates called me at phone number XXXX. Upon answering the phone the the associate identified herself ( however I can not recall the name of the person ) as well as she was attempting to collect a debt for XXXX XXXX XXXX. She asked for my date of birth, which I gave her then preceded to harass me. She never told me the amount that I owed during the phone call. She for the most part hounded me asking how I make ends meet in my household. She stated that they have on file that I received child support, so I have a source of monthly income and they have every right to take it because it is a source of income, and we need to come up with a payment plan. I then informed the associate that I do not have a job, I have XXXX XXXX children and my only source of income was from the monthly XXXX that we receive from the government for the care of our children. The associate then told me that they would take the that from us to make payments. I then informed the associate that they are in direct violation of the FDCPA for implying that the would take funds from us and saying that they have every right to it. The associate then stated that they do n't care and they have every right to take away the XXXX from our kids since it is a source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single XXXX, I loss my wife earlier this year after the birth of our second XXXX and things have been really tough for me and my XXXX and to find out I have this now on my list is really XXXX XXXX. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.

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 2017-05-23
Company: Altitude Community Law P.C.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to add some information to my already opened case #  XXXX . We got a few days ago a document from the court, which was held 20 days ago. About this court nobody inform us. Collection agency urge us to set up the payment plan. How we could set up the plan, when  XXXX   XXXX  still counting late fees twice a month, after they put us under collection more than 2 years ago? Follow their rules, if they are getting regular payment by  XXXX  of each month, never will be any late fees. Follow our attachment it 's not seems like that. To get last statements through  XXXX   XXXX  we could n't because it accessible only to administration. Resent paperwork we got through  XXXX   XXXX  lawyer office. Since  XXXX / XXXX / 2015  we paid to  XXXX   XXXX  {$6500.00}. Our money somewhere lost follow our attachments. We are sending all our payments on time, but on court paper was n't noted. They showed only their processing fee in amount of {$1200.00} which was illegally stolen from our bank 's account. We would like to correct our debt amount through  XXXX   XXXX  first, and then to set up the payment plan through collection agency. When I visited  XXXX   XXXX  administration, I did n't get information, because they said it 's going through computer, and nobody could correct it.  XXXX   XXXX  cheated on residents with their service fees. If nothing will change, we 'll collect signatures from our residents regarding poor serv ice. The street near ou r house very damaged for a few years and anyone could turn the neck by walking.  XXXX   XXXX  sleeping in a darkness at night time, because just a few lights are working in the streets. Question : Resident! Pay huge money for poor service, and wait until our pockets will be full to do any better service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Fay Servicing, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX we applied for a short sale on our land/property with an offer from buyers offering {$120000.00}. Thus we began the documentation process. By XXXX/XXXX  we were just finding out who our account manager @ Fay Servicing was and who was processing our paperwork. We had near impossible time getting anyone to respond to us and this acct. mgr. kept telling us she had not received documentation and then resolved that their organization had a difficult time with getting emails, documentation and where to find it once it was received. 
We had such a difficult time with communication that I finally reached out to the VP of Operations who did seem to have some pull in moving our process along. 
By XX/XX/XXXX we finally got approval for that offer amount but by that time our buyers had walked away from their offer. 
On XXXX XXXX XXXX we received another offer for {$120000.00} again with new buyers. In XX/XX/XXXX we began the process again.They were requesting all the same paperwork again but we immediately responded and supplied to our new acct. mgr. 
We continuously attempted to receive information about the offer but finally on XX/XX/XXXX I was able to speak to the acct. mgr. who informed us that they refused the $ amount and needed a new HUD statement with a new offer which will net {$110000.00} to them. We replied on XX/XX/XXXX with the new statement. 
Since XX/XX/XXXX we have heard nothing and can not get anyone ( including the VP whom I have contacted twice this time ). We are about to lose our new buyer again all because Fay Servicing is so non-communicative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
A deposit that was made in precisely the manner we were instructed by US Bank when the check is not written to me, the account holder. US Bank reversed the deposit of {$7200.00} claiming that it was not done so XXXX their procedures, which is a false statement as this is precisely how I deposited another check written to my wife, which she signed over to me and I deposited in precisely be same manner just days later. US Bank charged our account excessive overdraft fees forcing our account nearly {$500.00} negative. The account was able to be brought back into positive standing when my paycheck was deposited less the amount in overdraft. US Bank made no intentions to notify us that the deposit was returned and allowed transactions to post to the account and subsequently continued doing so when they returned the deposit. Since then, our balance has been further reduced and we are again in overdraft due to excessive overdraft fees of over {$200.00} in sum on top of the amount they allowed transactions to post to the account. This is firstly related to the reverse of the deposit we made and US Bank and their CEO have failed to address and or rectify the situation whatsoever. This violates the consumer trust and does little more than to create profits to this bank whereby any accounts that become overdrawn are subject to excessive penalties and fees charged multiple times in the same day. This has got to stop and my wife and I currently hold our mortgage, a credit card account and our checking account. This deposit would have helped us establish a savings account whereby we could manage our finances easier in light of the hardships we are already facing. As a former employee of US Bank, I am disgusted at the way the bank had handled and addressed the entire matter and the treatment we have recieved. I maintain the screenshots of the transactions showing all of this to be true and ask that US Bank be fined for their excessive overdraft penalties and return the entire sum of the current overdraft status and previous overdraft status to my account and allow me up to 90 days to open a new account with another financial institution. Whereby the only remaining accounts we will maintain is the credit card account and mortgage. We will no longer do our personal finances with US Bank and we will advise against them directly due to these actions. I am utterly disappointed in XXXX XXXX for allowing this bank to treat a military veteran, former employee and long time consumer in this manner and for allowing the bank to fail to live up to its advertisement of commitment to the consumer. A simple call in regard to this deposit would have quickly and easily allowed these actions to not occur.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a customer with TD bank for more than 3 years and unfortunately had to close this bank account because I was moving to XXXX  from XXXX XXXX and TD bank has no branches in XXXX. 
Now Im admitted in the hospital and need financial assistance for which I need some transactions from my account in TD bank. 
Saturday on XX/XX/XXXX I called TD customer service asking for international wire transfer documents in year 2019 & 6 months statement before closing my account. 
I was told to call recovery department on Monday, when I call up this lady on the phone tells me to go to a branch and there is nothing she can do! Im in XXXX  and how will I get to XXXX XXXX during this panademic while Im sitting here in the ER just for paper statements or for the matter of fact these documents can also be emailed to me and sorted out! 
Such people should stay at home and not come to work! Having such people at ur bank not only makes u look foolish, but also the whole country looks foolish ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
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 the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

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

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I took my home loan from US Bank, there was issues in loan fees charges and credit promised by lender in final XXXX document. 

My Mortgage Originator promised me that he will look on to those issues and reimburse me for additional charges which are in XXXX. 
I was not able to resolve those issues in time before closing as Mortgage Originator was on leave and on day of closing he verbally informed me that he will issue credit for wrong charges. 

Later they denied for adjustment and informed me that now they ca n't go back as closing is already done, when I have given option of XXXX correction, they informed me that they will reimburse me through XXXX gift card. 
My closing was done on XXXX/XXXX/2015, they accepted to reimburse through Gift card on XXXX/XXXX/2015 and since then I am following up with them to get Gift cards, and my mortgage originator replying to me that he will get them in week XXXX, but actually never sent them to me. 

I had overpaid {$290.00} than agreed as below. 
I was supposed to get credit {$530.00} ( Platinum credit ) and {$470.00} ( Appraisal fee waiver ), total {$1000.00}. 
But actually I received credit of {$530.00} ( Platinum credit ) and {$210.00} ( Lender credit ), total {$750.00}. 
Also, their was charge {$43.00} for point ( which was never agreed ), so total I over paid is {$290.00} XXXX XXXX - XXXX + XXXX = XXXX ). 
I have all email communications from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-24
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm showing on my credit report that I owe a balance to XXXX XXXX XXXX XXXX, but I never had phone service with this company. I do n't recall them notifying me about this situation. There is also no evidence to prove that I had service with this company. No billing statements or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you in regards to account that is coming up on my credit report. I have absolutely no knowledge of this account and have sent letters requesting validation to the, to no avail! If they can not validate it, how can you report it?! Enclosed are the certified return receipts that I sent to the creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Since they are unable to give me any information, maybe you could tell me who the original creditor is, what service they performed, where they are located, amount of balance? 



If you are not able to provide me proof that this is my debt and the collection agency is not able to provide me proof either, then you must delete it. I have read about the Fair Credit Reporting Act and it states that you must only report complete and accurate information and you must honor any request to investigate a disputed item. I expect since they cant confirm it, you cant either so it must be removed from my credit report or I will be forced to involve the Federal Trade Commission.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, Fl XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, NJ XXXX only address that should show is : XXXX XXXX XXXX. 
XXXX, NJ 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 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
It is utterly ridiculous how Capital One takes advantage of consumers. There is no way a credit card company should be allowed to run hard inquires on a consumers report such as this. I have asked Capitol One to provide me proof I gave consent for these hard inquires to take place. They are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX and XXXX XXXX report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my authorization or a permissible purpose. 

1St Violation 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless. 
1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 

2nd Consumer Violation under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

3rd Consumer Violation under15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect They must be stopped they are causing harm and damage to peoples livelihood and families. This is an unfair practice and abuse to a consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: NJ
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 compliant against Equifax through your agency ( cfpb ) which Equifax responded as follows : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit www.myequifax.com. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products.The company writes results were mailed to me. 
However in their letter dated XX/XX/19, they ask that I send Information I already sent via certified mail as it relates to my identity. They also failed to address all of my concerns. None the less they updated my address information. How is it they can use the information I sent to update an address yet write in their correspondence they are unable to locate a credit file in their database with the information I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: The CBE Group, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CBE XXXX XXXX XXXX XXXX This debt originated in XXXX  but was sent to collections shortly after. 
The Fair Credit Reporting Act says that if in collectionsm, it must show the amount of {$0.00} and the correct date of the debt. CBE is showing an open amount of {$820.00} as of XXXX. 
I have not contacted this Creditor or this collection agency at all since XXXX. They can not show this as of XXXX and should show {$0.00}. This has been 7 years and should also be close to be removed my report. 
CBE XXXX XXXX XXXX XXXX never reached out to me at all to even try to find out anything about this debt that I was told would be written off since I was unemployed and no insurance, They seem to have not recorded this information anywhere. 
I have disputed this at least 3 times with XXXX and all that has happened is XXXX  change the date illegally to XXXX. This is inacurate and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NY
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 am writing to have the items listed on my report deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests.

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 2015-09-19
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested my PMI be removed from my mortgage early as I have paiddown the balance early to reach 20 % equity. When I requested the PMIbe removed from my loan, I was told that I would have to pay {$150.00} fee to shshow that my home as not decreased in value. When I reach 22 % equity thethe PMI will automatically come off without me having to do anything. 
I have never been late and have paid extra on my mortgage. Theburden of proof is on the lender. I have made numerous improvementson my home including a new kitchen. If anything the value on my homehas increased. I have never been late and paid down my balance. 
There is no evidence to suggest that my home has decreased in valueyet they want another {$150.00} from me to remove the PMI. I have donewhat was needed to remove the PMI. Paid down the LTV below 80 % and notified them in writing to remove the PMI. My lender is US bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation