BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Freedom Mortgage Company
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
BLUF : My escrow payments are roughly {$700.00} more monthly than they should be because Freedom Mortgage has failed to complete an escrow analysis for three months, even though they have all the necessary documentation. 

I bought my house using XXXX XXXXXXXX XXXX in XX/XX/2023. I got a notice that Freedom Mortgage took over my mortgage in XX/XX/2023. I received my updated Property tax information in XX/XX/2023, and I hired a wind mitigation survey to be completed, allowing me to lower premiums on my insurance through XXXX. 

I submitted my property tax documents and insurance coverage on or around XX/XX/2023. I was told this would be reviewed, and my monthly payment would drop significantly. I would see this reflected on next month 's bill. I received the following month 's bill with no update to it. I called the number listed on my mortgage bill, and they said they confirmed they received the information and would complete an escrow analysis. I received the next month 's bill, and nothing has changed. I called again, and they said they didn't see an escrow analysis completed yet, but they'd put it in for one. 

Today, XX/XX/2023, I called the mortgage line and asked about my bill. ID # XXXX ( XXXX ) confirmed that escrow research was done on XX/XX/XXXX, verifying that my property tax records are accurate. XXXX told me that she must now submit this for an escrow analysis.

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 2022-11-30
Company: Experian Information Solutions Inc.
State: NY
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 a right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2022-06-28
Company: Maximus Education, LLC dba Aidvantage
State: PA
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 and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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 my account was Properly investigated But how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last report is not accurate. This ground for removal they also violate my rights under 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigation consumer report mean a consumer report Or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual Information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX Account XXXX # XXXX Account Name # XXXX XXXX XXXX Account XXXX # XXXX Account Name # XXXX XXXX XXXX XXXX ( Account number cant be found ) They also violated my rights numerous times. 

The credit bureaus violated my giving rights under XXXX USC 1681.

According to : 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 state a consumer reporting Agency can not furnish a account without my written instructions According to : 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 the person knows or has reasonable cause to believe that the information is inaccurate. 

Also the credit bureaus took more than 30 days to complete my investigation

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 2022-09-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XXXX of 2021 I became unemployed. Ive had my checking and savings account with Wells Fargo for over 5 years and I had many outside transactions going into my bank. For examples bill payments, subscriptions etc. I called Wells Fargo several times to put stop payments on items so that I could avoid any overdraft fees. A representative told me that a stop payment was applied but it might not stop reoccurring payments from being posted. So my stop payment never worked for me and in turn my account became overdrawn to the point I couldnt make any payments to cover the fees. As the overdraft fees kept piling on Wells Fargo eventually closed my account and now they are constantly harassing me everyday with phone calls to see if I can make a payment. Im still unemployed looking for employment so I am unable to make those payments. Ive talked to several representatives and I mentioned that I should have been notified to close my account to avoid the fees but that option was never offered to me. And now my past account is at an amount that I can not afford and I feel like I wasnt given any options to rectify my situation especially since I called numerous times to avoid the fees from accruing.

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 2022-09-21
Company: Grant Mercantile Agency
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I checked my XXXX XXXX account and noticed a hard hit on my credit. Upon immediate review I learned that a debt collection agency ( Grant Mercantile of XXXX California ) had received/opened an account on behalf of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX California ) . It was noted that the account in collections was opened XX/XX/XXXX. 

***I was not aware of the debt, received NO verbal communication, NO written notification from either XXXX XXXX or Grant Mercantile. *** Friday XX/XX/XXXX I called Grant Mercantile to get information as to why this debt ( from XXXX XXXX XXXX ) was sent to collections. The agent I spoke to ( XXXX I believe ) had no information. She said she would research it and they would contact me by phone. 

I called again the following Monday ( XX/XX/XXXX and also XX/XX/XXXX ) with the same outcome. I proceeded to try to call XXXX XXXX XXXX again, for a total of three attempts to speak to someone in billing. 

I find this incredibly irresponsible and unprofessional on both agencies, the lack of communication, record keeping and reasoning to hold my account in collections is disturbing not to mention critically impacting my credit score. A professional debt collector should collect basic information at minimal, there should be no reason to open an account with no reasoning. 

I was not aware that insurance had finally paid their portion of this bill until I had to research this mess on my own. The remaining balance left ( from an initial amount of around {$1700.00} ) is under {$400.00}. 

Grant Mercantile states on their website that they are a XXXX XXXX XXXX XXXX and was founded in XXXX. They also state : XXXX takes great pride in providing superior service and exceptional recoveries XXXX collectors are trained to assist debtors as counselors and advisors. Our goal is to help our debtors repay their debts as quickly as possible. 

With the experience I have had with them I can attest to the unprofessional nature, they have certainly not held to any of their own set standards. My credit score prior to their hasty account opening was XXXX, which certainly does not reflect irresponsibility on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
DELETE THESE INQUIRIES, PLEASE 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 The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: U.S. BANCORP
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are billing issues on my accounts and should be removed. U.S. Code 1666b states that a payment should never be considered late for any reason.

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 2022-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several times to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. My information has been exposed in the Equifax data breach. I also included the Police Report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts listed that are not mine. Please remove 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 explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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. 
Account names & account numbers as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 16815-2 ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: GA
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was going through my consumer report and established these accounts was furnished by your company on my consumer reports. These accounts listed these companies as the creditors.

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 2023-11-13
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have requested US Bank for a retroactive adaptation or deferment that is applicable to my contract, and since XXXX I have requested that evaluation. It was never my intention to have a delay, but an error with a check caused that. 
I believe that my request is justified because it is part of my contract, and also because I am trying to correct the problem in the shortest period of time and take care that the bank is not affected either.

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 2023-09-13
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a situation with an oldXXXX account which was falselyreported as a derogatory mark on my credit report. 

I had closed my account with XXXX in XXXX and transferred all my numbers to XXXX ( or so I thought ). XXXX was supposed to close and transfer all lines to XXXX as requested but kept their " Free '' service line that I received years prior ; on the original XXXXXXXX account and continued charging me which I did not know they were doing as my XXXX account was on auto pay. After months of paying I see a charge from them on XXXX XXXX XXXX  '' a money managing app that notifies me of all charges per week. Upon further investigation I realized I was being charged months after " closing '' my XXXX account. I contacted XXXX there after and explained the situation in which they took ownership of the mistake and refunded the money they took. 

A month after I realized the account was not closed AGAIN and they took money from my account and I had to contact XXXX XXXX XXXX to block XXXX from deducting funds from my account. I contacted XXXX once again and they took ownership of the " auto billing error '' and refunded the funds that they took and assured me that the account was fully closed as previously requested. 

This past week in XXXX I saw a derogatory credit report via XXXX XXXX XXXX stating I owed {$310.00}. After further investigation I was told it was from XXXX which is completely false because I do not owe any money towards XXXX. Take note ; no calls, letters & emails were sent saying I " owed '' during these months. Instead they just put a derogatory mark on my credit which is completely false. I contacted XXXX yesterday afternoon very very livid and extremely upset ( which I completely should be ) and explained the situation. The customer service personnel put me on hold after reading all the account notes on my account and stated that he would need to contact the financial department for investigation. After waiting on hold for a few minutes the phone disconnected and I never received a call back. 

Today I searched online for assistance via XXXX for people that had similar experiences with poor practices from major companies. I was recommended to report XXXX to FCC, XXXX XXXX XXXX XXXX which I recentlydid ) and to also email yourself because speaking directly to XXXX customer service is getting me nowhere and I am feeling like I am being lied to via phone and have been giving the " run around '' throughout these months. The icing on the cake is the billing department actually submitted a complete false report onto my credit report which should be illegal on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation