BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
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:
I filed disputes with  XXXX . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation w ithin 30 days  or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.         XXXX   - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also  XXXX   XXXX .     I also filed disputes with   XXXX   and TransUnion they have not responded to my request for proof of investigation which was over  52 days  ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.       XXXX   -   XXXX   XXXX   XXXX   and  XXXX   XXXX  TransUnion -   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in  30 days. Tha nks.

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 2023-06-15
Company: EQUIFAX, 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:
HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UN

DER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALS
O STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Caliber Home Loans, Inc.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For reference, the mortgage providing company ( XXXX ) that I have been working with is a third party that connects me to other lenders. On the morning of XXXX, XXXX, on their website, I received a very attractive refinancing rate of 15yr at 1.75 % with a lending credit of {$6700.00}. A rate that they pull directly from the lending company ( Caliber Home XXXX ) that they work with. I applied for the rate and provided all the required paperwork for the loan. I signed a loan disclosure that contains the rate information. In the evening, I received a call from a credible loan officer saying that the rates provided to them from Caliber Home XXXX was a mistake. Caliber has published these numbers in the morning for 2 hours before realizing that it was a mistake and then took it down. I told the loan officer if he could look into it with Caliber to see if they would own up to their mistake and honor the rate that they advertised. Of course Caliber replied to the Credible loan officer this morning saying that they would not honor the rate. The difference between their current rate and the falsely advertised rate is about {$14000.00} worth of points. I have only attached the loan rate portion of the loan disclosure document since the document itself is above the size limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Public record information inaccurate

Complaint:
I was checking my credit report and I observed that there is a bankruptcy that is reporting on my credit report. So I wrote a letter to the Bankruptcy XXXX in XXXX XXXX and they sent me a letter stating that they do not report bankruptcies to the credit bureaus. I sent a letter to each bureau previously and they said that they had validated it with the courts. So that information was not true. My personal information is supposed to be protected as a consumer. This a violation of my right to privacy reporting this to XXXX, XXXX, and Transunion. Also dishonest disputing methods were used because nothing was able to be validated as accurate.

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 2023-11-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, we made a purchase in XXXXXXXX XXXX XXXX  The actual amount that was charged to our card was 10x the amount I agreed to. 
We disputed the charge with Amex. We filed a police report, a report with the NM attorney general, with a lawyer, and with the ftc on this store that did the overcharge. We have done everything in our power to prove that this charge was fraudulent. 
The amount was {$30000.00}. We have never made a purchase that large on our personal AMEX and feel like we should have been notified immediately by AMEX and we would have denied the charge and this would have never gotten this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Back in XX/XX/XXXX when I submitted my Intent to Proceed on submitting a mortgage application to Union Bank, it was made only after seeing the Union Bank Mortgage XXXX XXXX flyer online that advertises a top Rate Discount of the 0.50 % for combined balances over $ XXXX. ( It was only since this advertised rate discount matches what I was and am still being offered by XXXX XXXX, that I decided to pay the application fee and submit an Intent to Proceed to Union Bank. As I had already submitted an Intent to Proceed to XXXX XXXX. ) In fact, this Union Bank advertisement is still posted on Union Bank 's website today, XX/XX/XXXX, https : XXXX is the first, top search result if you XXXX " union bank relationship discount ''. Given that thisflyer advertisement is still posted on Union Bank 's website today, and is without an expiration date and is freely open and accessible to the general public, I'd ask Union Bank to reconsider and honor this posted Rate Discount for my home mortgage loan, including the maximum Rate Discount of 0.50 % for transferring $ XXXX to Union Bank XXXX and all subsequent pricing tiers listed on the flyer ). I've instead been informed that these discount pricing rates expired in XXXXXXXX XXXX  XXXX, as Union Bank 's current Relationship Pricing rate discounts range from 0.125 % to 0.25 % less than the current online advertised flyer.

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 2021-04-28
Company: Prosper Marketplace, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I was told to receive money for verification and I was to send it back. I sent the money to them via XXXX Then I was told that the money would be in my account next day and it never showed. I tried to cancel the loan and they told me the first time that I only have to send XXXX XXXX dollars to them and it would be clear. Once I sent the money to them. They told me that I had to send XXXX dollars. Once I refuse to send them the money, they threatened to send me to jail if I did not send the money to them and told me that I would have a negative balance of XXXX in my checking account. I thought by giving them my account information, that I would be able for them to put my loan money into my account and that was the end of the matter. Now Im in the negative XXXX dollars and I am making a complaint.

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 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is regarding my Capitol One Credit Card. On XX/XX/XXXX, I set out on a mission to purchase a luxury bag for my wife. Went from XXXX Washington, where I reside, to XXXX Oregon. I picked out the handbag at a XXXX store and got flagged for fraud. I called the customer protection team and they were taunting and asking me disgruntling questions avoiding helping me. Eventually I gave in and drove back home to attempt the purchase online. On XX/XX/XXXX I once again attempted to make the purchase online and it was successful ( or so I thought ) and a couple of days later I get a cancellation alert in my email saying it was flagged once again. The email was received on XX/XX/XXXX XXXX XXXX. I re-attempted the order for a different bag online. This time it was for a XXXX bag through its website and got a text message from the bank to call in order to get the fraud hold released. I called not once but thrice and every time the machine said it may be recorded for blah blah etc the call dropped. I called the direct bank phone number and it was just dead air for minutes. This is discriminating and arbitrarily illegal and requires immediate attention. I have plenty of money and have authenticated properly. 

My email is XXXX My personal number XXXX is also the primary phone number on my bank account I look forward to this being thoroughly investigated, Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I signed the closing disclosure on XX/XX/XXXX for a refinance home loan with Loandepot.com. 
Today, XX/XX/XXXX I checked my loan depot account online and noticed they have multiple closing disclosures that show a different : monthly payment, closing cost, homeowners insurance amount, and different cash amount given to me. 
I spoke with XXXX XXXX, the Sr. account manager, and she mentioned the reason it changed because the insurance was not included in the loan estimate, and that there was a renewal of the home insurance which is more expensive. The home owner 's insurance it 's included in the closing disclosure I signed which rejects XXXX XXXX XXXX 's explanation of the increase. 

I left a message today to XXXX XXXX wanting to cancel because according to their legal documents, I can cancel on the closing disclosure ... One of my closing disclosures on myloandepot.com account is dated today XX/XX/XXXX. So I should be able to cancel it. XXXX XXXX responded on a voice mail that I can not cancel because the document I signed it 's a legal binding document. 
IF it is a legal binding document then IT IS ILLEGAL TO CHANGE EVERYTHING AFTER I SIGNED IT.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account XXXX XXXX XXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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 XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-22
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report is reporting that I have XXXX accounts in collection ( despite my payment history saying " 100 % of payments made on time ). However, they have been closed out since XX/XX/XXXX. They've yet to fall off my credit report and is prohibiting me from making other financial investments. As companies are denying me due to " unsatisfactory payment '' history. 


1st one : Certified Services Inc Originator : XXXX XXXX Opened : XX/XX/XXXX Payment Status : Paid Amount : {$100.00} 2nd one : XXXX XXXX Originator : XXXX  XXXX  Opened : XX/XX/XXXX Payment Status : Paid Amount : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
Please remove these accounts from my personal credit 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
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I was checking my credit report and I observed that there is a bankruptcy that is reporting on my credit report. So I wrote a letter to the Bankruptcy Court in XXXX XXXX and they sent me a letter stating that they do not report bankruptcies to the credit bureaus. I sent a letter to each bureau previously and they said that they had validated it with the courts. So that information was not true. My personal information is supposed to be protected as a consumer. This a violation of my right to privacy reporting this to XXXX, Equifax, and XXXX. Also dishonest disputing methods were used because nothing was able to be validated as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX Balance Owed : {$30000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue that I recently faced with my PayPal account. Despite being a responsible user who follows all the terms and conditions of PayPal, my account has been permanently limited without any prior warnings or notifications. 

As a new user, I was looking forward to utilizing PayPal for my online transactions and was excited to start using the platform. However, I received a notification that my account has been permanently limited, causing me inconvenience and distress. I have tried reaching out to PayPal 's support team to inquire about the reason for this limitation, but I have not received a clear or satisfactory answer. 

I am confident that I have not engaged in any activities that violate the terms of service of PayPal. I have always been careful to follow the guidelines set by the platform, and I have not experienced any issues with my account until now. I believe that my account has been limited in error, and I am eager to resolve this matter as soon as possible. 

I understand the importance of security measures, and I am more than willing to comply with any verification procedures that may be required. I would appreciate your assistance in investigating this matter and providing a resolution that would allow me to regain access to my account and continue using PayPal for my online transactions. 

Thank you for taking the time to consider my request. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been having an issue with Equifax to get XXXX XXXX XXXX  XXXX XXXX  XXXX off my report. This is in Lousiana. I don't live in Louisana. I live in New Mexico. I have XXXX as my internet service in New Mexico. This is not me! I also want to know who put this in my name if possible.

Company response to consumer: Closed with explanation