BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-12-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a rent check to my landlord, to his business name. It was stolen on route and It was deposited by a different party. I can not make out anything from the endorsement. 

I asked my bank who deposited the check. They said that they have to investigate. 

It's been a very long time since. And they are still investigating. I first asked them in XXXX and they said up to six months. I didn't get anything. 

I am enclosing a copy of the front and back of the check. 

PS. My landlord also filed a complaint but was answered that since he was not the signatory, they can not answer him.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Caneel Capital, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wrote the following email to the 3rd party collector. I have a SHORT SALE CONTRACT on the property. I had no idea that the 2nd mortgage was sold. IO was NEVER NOTIFIED. 

In response your email I received this afternoon sir and Friday what you're saying really doesn't make any sense. 

Since the short sale, is being held up by the second lien holder which you say is you. How can you say that the QWR has nothing to do with the short sale? When the QWR, has everything to do with the short sale. 

I need the validation that you are actually the second lien holder, how can authorize Trinity Financial Services LLC to get a payment from my first lien holder on a short sale if I have no validation that you actually own my debt. 

Because of everything previously stated this is holding up the short sale. 

I have no correspondence, no notices, no phone calls, nothing on this second lien in over 10 years. I was never notified or contacted in any way by any means on the selling and buying of this note. 

Now suddenly, after all this time, you come out of the shadows put an offer on the table with no validation of who you are. 

I have decided I need to short sell this property. Trinity is well aware of everything that is going on with this property through recent communications with me via email and phone calls, and my negotiating agents.. My realtor and negotiators have forwarded the first lien holders offer to you. You have rejected that offer without showing any validation of who you are. 

You have rejected the first lien holders offer and you want a extra {$11000.00} on the HUD and yet do you want me basically to take your word that you bought my note? 

It seems to me that if you want to put this offer, on the table in front of me, asking for the additional money which equals {$11000.00}, then you need to put forth the validation before we can settle the short sale. Again, this is why the QWR is directly connected to the short sale. No one knows who you are. 

You are mistaken ; this is directly affecting the short sale. I feel like I am being redundant. I feel this is ludicrous. All we need is validation ; you are actually going to put a time frame on an offer, from a company that has not proved who they are. Can you now see how this directly affects the short sale and is connected? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
On 2023 XX/XX/XXXX, I accessed my account online. Before I could get to the usual webpage where I could print my monthly statement, I was blocked by a screen demanding my acceptance of Chases New Digital Agreement and New Terms of Use. There was no way to bypass that screen. There was no alternative to accepting the new Chase policy terms. The New Digital Agreement is 125 pages - far too long to read in one sitting, let alone consider carefully. It appears that by accepting, I am surrendering almost all rights to digital privacy, consenting to Chase selling to anyone my personal data and history of purchases, and agreeing arbitration only as the sole means of resolving any disputes, shutting me out entirely from my state 's and our country 's legal system. I do not actually agree to any of this, despite being forced to accept Chases New Digital Agreement and New Terms of Use in order to access my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the Account number is inaccurate, High Balance is inaccurate, Last Verified is inaccurate, Date of Last Activity is inaccurate, Date Reported is inaccurate, Date Opened is inaccurate, Balance Owed is inaccurate, Closed Date is inaccurate, Last Payment is inaccurate ; This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, Experian, XXXX, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.

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 2023-09-13
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:
I received a credit alert this company reported a remark, I never heard of them nor was notified by mail to dispute and given the chance to request validation. They just took away my rights, Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a complaint regarding Truist constantly accessing fees to my account previously. My personal account was closed. The fraud department debited my account {$300.00} that caused more more overdrafts. I received no follow up after my first complaint to The Consumer Financial Protection. On XX/XX/XXXX I had a deposit unknowingly go into the personal account that was closed. I called on Tuesday XXXX 2021 to inquire about the deposit. I was informed my a phone representative that the deposit wasnt sent back but taken by the bank to be applied to a debt that I dont even owe. The bank charged me fees do to merchant error. The bank should not have taken my deposit it should have been returned to the merchant.

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 2021-12-21
Company: CORELOGIC INC
State: VA
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:
Hello, Please see attached for the dates and name of companies that have inquires on my credit reports. I have disputed them with the creditors and credit bureaus with no resolve. 


XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/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 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 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 explanation
Consumer complaint received 2021-07-28
Company: Square Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Sometime before XX/XX/XXXX, I was contacted on XXXX  by a person claiming to be XXXX XXXX, posing as an employee of XXXX. After chatting on XXXX several times, the conversation was moved to XXXX. My business, XXXX XXXX XXXX, was hurting due to COVID and low oil and gas prices and I was looking to make money to pay my bills so XXXX convinced me to invest via XXXX in a company he was working for that is now known as XXXX that would use binary trading to invest on my behalf. I was told that the minimum to invest was {$500.00}, so I bought XXXX BTC via CashApp for {$500.00} including fees. I transferred the bitcoin from wallet XXXX to wallet XXXX on XX/XX/XXXX. I was then told that I had to meet the wallet minimum of {$2500.00}, so on XX/XX/XXXX, I purchased XXXX BTC for {$1200.00} including fees. I then transferred said bitcoin to the same wallet. Trading then commenced and when first cycle was over, I asked to withdraw the bitcoin. I was told that the withdraw/exit fee was {$3100.00}. I then bought XXXX XXXX on XX/XX/XXXX at a cost of {$810.00} and transferred it to wallet XXXX as instructed by XXXX via two separate transactions on XX/XX/XXXX & XX/XX/XXXX. I then bought XXXX XXXX at a cost of {$1500.00} and transferred it to the same wallet on XX/XX/XXXX followed by a purchase and transfer of XXXX BTC ( {$1600.00} ) on XX/XX/XXXX. I was then told I had to pay a Delay Fee of {$2500.00} for my funds would be released because I waited too long to pay the withdraw/exit fee. I was in dire straights financially and had borrowed the money to pay the withdraw fee from my wifes retirement account. That money was supposed to pay my bills for the month, so I had to borrow more money from another retirement account to pay my bills for XX/XX/XXXX. At this point, I fully believed the whole thing to be a scam and refused to give them additional bitcoin, so I have never received my funds. Please help me recover this bitcoin if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: BBVA FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My name is XXXX XXXX and I am going through the process dealing with Simple Banking. It is a online way of banking. I completed a online mobile check deposit and I was told that I had a 5 day hold after I made deposit. After several days I contacted the payee who informed me that the check had cleared on their account and money had been removed from their account. I then called Simple back to see why I didn't have access to my cash, only to be told that it was still being held. For what reason, I still don't understand or not was a explanation given. When I asked for a manager, I was told that there were none. I have no clue how this is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$6900.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : 1. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Despite numerous attempts, Transunion has violated my right by ignoring my request to receive debt validation and investigation findings regarding the following account. 
XXXX XXXX XXXX Balance {$6300.00} 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 2023-05-03
Company: Home Loan Center, Inc.
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have been in our home for XXXX years. This is in response to your zombie mortgages guidance - and shows why they may have waited and claimed to have unknown parties assign interest to more unknown parties. In XXXX my spouse got a loan through the lending Tree website- he had XXXX lenders to choose from- the underwriting conditions, and what he expected, was the lender was to pay off first mortgage : XXXX balance of {$210000.00}. Origination documents states that the payoff must appear on the HUD-1 settlement statement in order to fund the loan. 

The parties did not pay off the first mortgage- and we could not afford both payments as my spouse was self employed and I was unemployed- so we canceled the loan per the instructions in the origination. We never heard back from Lending Tree about the cancelation. Then XXXX  XXXX months later, on XX/XX/XXXX filed a deed of trust with a XXXX XXXX Loan Number. We did not make any payments on the loan nor did the parties demand payback of the funds. We assumed the loan was cancelled. 

On XXXX XXXX XXXX at the Request of XXXX XXXX XXXX XXXX claims to sell their beneficial rights to XXXX XXXX XXXX XXXX of XXXX Fl as beneficiary and nominee to Lendingtree Loans of XXXX, IL. 

Now an unknown party to the transaction - adds more unknown servicing entities with fictitious addresses to the mix - files an assignment CLAIMING XXXX XXXX XXXX XXXX XXXX XXXX TRANSFERRED TO XXXX XXXX XXXX XXXX XXXX SC ALL ASSIGNORS RIGHTS TITLE AND INTEREST ( which would be none - as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX owned title interest - debt collectors for????? ) - signed - XXXX XXXX XXXX, AS SUCCESSOR BY MERGER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS ITS ATTORNEY IN FACT ( WHOSE ATTORNEY IN FACT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no power to act as trustee - ( note XXXX was named servcier after cancelation in XXXX - and XXXX XXXX, XXXX who had no interest in Lending Tree 's loan requested an assignment via XXXX  in XXXX - XXXX years after our cancelation and not XXXX payment made.

Company response to consumer: Closed with explanation