BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) XXXX XXXX Account # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( 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  and o feel my rights are being taken advantage of. 


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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-12-06
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to urgently seek assistance regarding multiple unsuccessful attempts made to both my creditor and the credit bureaus concerning inaccuracies in my credit report. 

Despite my persistent efforts to rectify the issue, there are accounts listed as " charged off '' that continue to display an incorrect balance. As per my understanding of regulations, this discrepancy violates legal standards. Moreover, when I diligently pursued investigations with the credit bureaus, the responses received merely affirm the validity of these inaccuracies, without addressing the root cause These errors are significantly impacting my financial standing and credibility. I am reaching out to the Consumer Financial Protection Bureau in the hope of receiving guidance and support to navigate this frustrating situation. Your expertise and intervention in this matter would be immensely appreciated. 

I have documentation supporting my claims and am willing to provide any necessary information to facilitate a swift resolution. Your prompt attention to this matter would be invaluable in restoring accuracy to my credit report. 

I filed a dispute with XXXX XXXX XX/XX/2023 I filed multi with Experian maybe XXXX each year and Thank you for your time and consideration. I eagerly await your guidance and assistance.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-10-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check ( via Citizens Bank account personal check ) and put it in the US mail to be sent to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$5000.00}. The check reportedly never arrived at the church and was never cashed by the church. However, the check was cashed on XX/XX/XXXX at the XXXX  XXXX XXXX. I filed a report with citizens Bank XX/XX/XXXX, which is when I found out that my church had not received the money. I have a claim number with citizens bank which I filed on XX/XX/XXXX. I have made multiple calls and inquiries as to where my money is to no avail. I tried to call XXXX  XXXX XXXX as well and they will not give me any information. They hung up on me on XX/XX/XXXX. I called citizens bank again on XX/XX/XXXX and they asked me to get a declaration form started. I also contacted the PA department of banking, office of the Comptroller of the currency, and consumer financial protection bureau on that date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I had an original mortgage with northwest XXXX bank. I did not escrow. 

Northwest bank sold my mortgage to XXXX with a first payment due to XXXX XX/XX/XXXX. 

On XX/XX/XXXX XXXX charged my mortgage account for an entry to escrow of {$1100.00} to pay for homeowners insurance. 

At no point in time has my homeowners insurance changed or been delinquent either with northwest, during the sale of the mortgage, or with XXXX. 

On XX/XX/XXXX I received a second notice letter from XXXX stating that I was responsible to immediately provide XXXX with homeowner insurance information including me being required to have my new loan number and property address on a renewal policy of reinstatement and mail to XXXX with a loss payee clause. 

Also within this notice it provided an online option to execute this action. I logged into the website as well as the co-borrower and it required us to input our complete social security number at which time neither of us did as that did not appear to be prudent. 

On XX/XX/XXXX when I was looking to see if my XXXX payment was credited to my account. I noticed the charge to escrow of {$1100.00} as mentioned above. 

On XX/XX/XXXX the co-borrower collected up our insurance information and presented to XXXX. They accepted the documents and indicated the charge would be reversed within a weeks time. 

I have an issue with the fact that : 1-if the bank sold my mortgage, then would they not be responsible to notify my insurance agent as well as instruct them as to whom the new bank is so the new account information is with the insurance company as well as the insurance policy having the new borrower XXXX listed as ISAOA? 

2- had I not noticed this escrow charge in my account transactions, the bank would have had this money, charged my account all while I was also paying my private insurance company. 

3-why is it the customers responsibility To update this documentation? 

4-what if this was flood insurance, would the bank selling or transferring the loan not be required to inform the insurance agent the change in owner of the loan I.e., the new bank? 

This whole thing was unfair and cause undo harm and stress to both myself and the co-borrower.

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 2023-02-15
Company: Block, Inc.
State: CA
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:
I purchased an upgraded metal card with Cashapp for {$50.00} on XX/XX/2023 and a few weeks later ( XX/XX/223 ) after I activated it they blocked my account and refuse to give me a replacement or refund. They say I violated their terms of service for disputing a purchase then trying to get a supervisor since they didnt help me with the dispute. I paid for an item they will not let me use and refuse to help me. All I get is an endless loop that a supervisor will contact me and they dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Westcreek Financial
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a loan to cover a mechanic bill. I am trying to pay off loan sooner since they are debited automatic payments. I have tried over 10x to access their loan portal with no luck. I can not access my loan statement or payoff information. They said they can not mail me a statement or email me a statement since they are a paperless company. I have called them 5x and I still can not get into my online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Trying to figure out if I should or should not consolidation my loans once and extending my loan term another 25 years to XXXX I have received little to no information on what that number count adjustment AES my current loan servicer shows 44 which represents years XXXX but they have been servicing my loans since XXXX They are refusing to adjust and account for years XXXX and telling me that the Department of Education Federal Student Aid is where I can get that information despite the fact they are responsible for updating and sending that type of information to you. I have canceled student loan checks from XXXX which I don't see credit for despite having sent that information into AES and DOE I can not make an informed decision if I don't have all the facts ( payment credit adjusted number ) Also 1 ) Why was I steered into forbearance 2 ) Missing credit adjustment for prior payments 3 ) Why AES is listed as a creditor on a loan disbursement disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: United Shore Financial Services, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am writing to address a recurring issue I have been facing with late fees on my mortgage payments. This is not the first time I have encountered this problem with UWM, and I am increasingly concerned about the impact it may have on my credit score. 

As of today, XX/XX/XXXX, I have received a bill indicating that I am late with my XXXX payment and that I am required to pay a late fee of {$110.00}. I have set up a monthly recurring payment on the XXXX of each month, well in advance of the due date on the XXXX of the following month. This setup ensures a three-day gap for processing, and I have confirmed with my XXXX XXXX bank that the funds are available for the transaction. 

Upon checking with XXXX XXXX, I have verified that the payment is processed through e-payment, and any delay should still ensure receipt within the stipulated three-day timeframe. However, UWM claims they did not receive the payment until XXXX weeks later than the due date. This discrepancy is perplexing, as I have a longstanding relationship with XXXX XXXX, and my records demonstrate timely monthly payments. 

I have encountered this payment processing issue with UWM on multiple occasions, and it is both frustrating and unacceptable. I understand that my late fee for this instance will be waived, as per my recent conversation with UWM customer service representative. However, I am concerned about the lack of documentation or confirmation provided regarding this resolution. 

I shouldn't be charged again for this late fee, and I am seeking written confirmation of the late fee waiver for my records. This is crucial to avoid any negative impact on my credit score and to prevent any potential legal action resulting from repeated late payment claims. UWM refused to provide me late fee wave confirmation document. 

I value my relationship with XXXX XXXX and have a history of making timely payments. It is disheartening to encounter continuous issues with UWM 's payment processing, leading to unwarranted late fees. 

This matter and request that you address and rectify the underlying payment processing issues to ensure a smoother and more reliable experience for all UWM customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries reporting on my credit report that Im not aware of nor was consent giving to be reported on my credit report. I would like all tangible documents that say I gave consent or that gives these companies or Equifax any permissible purposes to furnish such information on my credit report.

15 USC Code 1681- Congressional findings and statements of purpose ( A ) Accuracy and fairness of Credit Reporting The Congress make the following findings.

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 USC Code 1681s-2 - Responsibilities of Furnishers of information to consumer reporting agencies.

( A ) Duty of furnishers of information to provide accurate information. 

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting Information after notice and confirmation of errors.

15 USC 1681n- Civil Liability for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint submission is in regards to a false credit report by ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative whose name is XXXX XXXX was extremely aggressive and stated they will not cooperate in a Debt Validation Request. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the Fax number and mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/XXXX of 2023, was confirmed through FAX and CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by CAVALRY PORTFOLIO has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and CAVALRY PORTFOLIO is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: LA
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:
Experian shows I have a public record XXXX  XXXX bankruptcy I disputed this several times telling them it is not mine they wont do anything they say they verified it I asked how and they told me with the court system I keep telling them then they wont put my name right on the report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation