BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: Flagstar Bank, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank is currently charging us {$9000.00} for escrow taxes. The Town of XXXX has our taxes estimated at {$6100.00} for the year. Due to our home being a new construction, the town did not assess our taxes for the first 6 months of fiscal year XXXX ( Quarter 1 and Quarter 2 ). The Town of XXXX and in fact all of Massachusetts fiscal year runs from XX/XX/XXXX through XX/XX/XXXX. However, once they were assessed for fiscal year XXXX, the total is {$6100.00} for the entire fiscal year. Flagstar Bank fiscal year runs XXXX to XXXX. Flagstar Bank is combining 2 fiscal years into one and this is creating a discrepancy of {$3100.00} because Fiscal year XXXX Q1 and Q2 ( {$1500.00} each ) is being calculated into the total figure. Currently Flagstar Bank is overcharging us by {$2900.00}. 

We have contacted Flagstar Bank since XX/XX/XXXX, regarding this issue and they refuse to change it. We have requested multiple escrow analysis to be completed and Flagstar continues to report that according to their records we are being charged the correct amount. We contacted Flagstar Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We worked with a supervisor at Flagstar Bank who understood that we are being overcharged but she could get the escrow team to run another analysis to help rectify this issue. 

We have also spoken to the XXXX Town Collector who reports that Flagstar Bank should not be charging us anything different from what the town reports. Currently our mortgage payment is {$3000.00}. XXXX, our mortgage payment should be {$2700.00}. This is the amount we were paying prior to the last escrow analysis in XX/XX/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 2021-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection company named Portfolio Recovery Association has been harassing me with calls about a debt collection in the amount of {$450.00}. I havent done any business with this company and I have no contract with them. I would like them to stop the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish Equifax has been convicted of furnishing incorrect scores and it has affected me I have high interest rates and credit denials. 

Accounts : XXXX XXXX : {$770.00} XXXX : {$260.00} XXXX XXXX : {$530.00} Hard Inquires : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Representative called to established a new monthly payment. I advised i can only do XXXX $ a month, he stated it has to be XXXX or {$100.00} a month cause they could not do bi weekly payments. He stated he was going to continue with the previous balance of XXXX XXXX please sign the docusign immediately. Ok that does not sound accurate as i have made previous payments. I never signed the docusign with the proposed new amounts. They have over drafted from my account {$220.00}. How can they do this? I did not authorize the payments. None of the payments. Nor signed any documents pertaining to them taking the funds from my account, causing it to be overdrawn. i can prepare the bank statements and provide the previous docusign as the one has expired. just tell me where to send what i have. thank you or i can provide the url and info so you can ask them to send you their most recent request. they are not being fair with their documentation nor collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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:
Account name : XXXX XXXX Account # : XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not fumish a eccount without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Seclion States : no consumer reporting agency may make a consumer report containing any of the following items of information Any olher ad item of information, olher than records of convictions of crimes which antedales the report by more than seven years. 
1 I want the CFPB to publish this description on consumerfinance.gov Account # : XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2017-01-13
Company: CITIBANK, N.A.
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX XXXX XXXX veteran who is facing foreclosure on my home that is secured with a VA loan. The servicer of this loan is Citi Mortgage, they have dragged out the process and failed to review my financial information in a timely manner once I engaged with them to attempt to resolve this issue. After supposedly working on this for months, they finally responded to me via letter and stated that the requested paperwork was received to close to the sale date -- this seems to be an excuse to deny me access to the programs that I feel I qualify for. 

I bought my home in XXXX. In XXXX my employer transferred their business to Texas from Iowa, and I was out of work right at the height of the recession. I looked for new employment but was not successful, and had to rely on my savings to keep up with all of the bills. Then I became XXXX and unable to work at all, and the savings ran out and I feel behind on my mortgage payment a couple of years ago. 

I was told that since I had a VA loan that was sponsored by the government that there were programs available to help me get back on track and get a restructured loan with a lower payment. So I tried to start the process with Citi Mortgage. The problem is that they continually drag the process out and misplace documents or fabricate an excuse as to why they ca n't help me. I thought I was making some progress recently and was dealing with a gentleman named XXXX but before the review could be completed I received a letter stating that my request for help was denied because I had a sale date coming so Citi could not look at my information. 

Why is Citi not taking into account the multiple times that this information had been provided to them, yet they chose to never review these documents. Instead, they waited months, and then right before my sale date, they send out a letter saying, sorry, it is too late. Citi has backed me into a corner -- -their paperwork states that I am not able to resume making payments, because I must pay the full past due amount in one lump sum payment, which is impossible. So there is no way I can fix this unless Citi works with me. 

I know that I am behind on this loan, but I know that there are programs for VA loans that allow someone like me to get a better rate and payment and address the late payments. I am contacting your office to file a formal complaint since Citi is not allowing access to the government programs that should be open to struggling homeowners with VA loans. I do n't know why Citi is continually denying me access to these programs, not even giving me a chance to be reviewed or save my home. It does not seem fair. I served my country proudly and now face losing shelter for me and my son.

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: 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 XXXX XXXX, and I am submitting this CFPB complaint to inform the Credit Reporting Agencies that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 

XXXX. XXXX XXXX XXXX XXXXXX/XX/2021 XXXX. XXXX XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX  XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021

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: U.S. BANCORP
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested a validation of debt from US Bank Home Mortgage on XX/XX/2022 through Certified Mail, they have not replied with any response. It has been over 30 days, according to the FDCPA section 809 ( 5 ). US Bank Home Mortgage is in violation.

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These INQUIRIES below have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under XXXX5 USC 1692C

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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THEM IMMIDIATELY

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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These INQUIRIES below have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C

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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THEM IMMIDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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:
There are two student loans that are showing on my credit report that I didn't open and didn't sign for my parents sign for the loans the school that open the loan was a fraud and they closed down and was in the news paper I didn't open the loan and it isn't mine the account is also closed and paid it should be removed by law its not mine and the account is closed and paid

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: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX I submitted a Fax to Early Warning Services requesting a copy of my consumer file, because I had been denied a new checking account at XXXX XXXX XXXX XXXX. I received my file and immediately noticed a problem- an old XXXX XXXXXXXX XXXX checking account had been reporting as " Closed for Cause '', and XXXX XXXX explained it is a negative account status that is affecting my ability to open a new account. Early Warning Services has the meaning of " Closed for Cause '' clearly stated within the consumer profile, defining it as " the account was not handled in a manner consistent with bank policy ''. However, I was a long time customer of XXXX XXXX XXXX and did not have any poor history with them. On XX/XX/XXXX I Faxed a letter to Early Warning Services reporting the inaccuracy. I have attached the Fax Confirmation from the XXXX store showing it was successful. After not hearing from Early Warning, I called them directly on XX/XX/XXXX and spoke with XXXX. XXXX confirmed receipt of the XX/XX/XXXX fax and said they were still investigating, and that they have 30 days. The Fair Credit Reporting Act states that disputes must be answered in 30 days or the item is required to be removed. I waited well over 30 days to call again to give Early Warning Services ample time to complete the investigation and contact me. On XX/XX/XXXX I called Early Warning a second time and spoke with XXXX. She confirmed that the notes on XX/XX/XXXX state the document was confirmed received, but she had no update on my case at all. She escalated to a Supervisor and said that a supervisor named XXXX would call me in 24-48 hours. I never received a phone call, and at this point I am tired of calling E.W.S. They have broken the law and have been giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
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:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX Balance Owed : {$6.00}

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 non-monetary relief
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have inaccurate addresses appearing on my XXXX  and trans union credit report. 
the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX This address doesn't even actually exist.

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 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 then seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CHILDSUPPORT : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXXDOFED : 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 2022-06-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Account XXXX Amount {$1200.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Violation. The company XXXX XXXX failed to inform all 3 major credit bureaus to mark the account as disputed the day received the letter XX/XX/XXXX Informed the bureaus days later. 

As of today is XX/XX/XXXX According to the FDCPA if a debt collector failed to verified debt after 30 days MUST be deleted. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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