BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wrote to this company and let them know that I was XXXX  and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA I also sent them the dates I was incarcerated and tried to differentiate between my name which is XXXX XXXX XXXX and my father who is XXXX XXXX XXXX. 

While trying to fix this myself I found out a company purchased my info and had been using it for years since the XXXX XXXX XXXX. 

So I am complaining because I have given the double mount of time that the law requires.

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 2022-10-21
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Charges on my credit card from another distant state including XXXX XXXX, XXXX XXXX XXXX, and foreign charges. 
TD Bank flagged these charges as suspicious and we immediately responded to the text with " FRAUD '' and called TD Bank immediately. TD Bank is forcing us to pay these fraudulent charges. TD BANK appears to be incompetent at processing Fraud. We suspect TD Bank had a data breach that compromised our credit card number. 

Charges {$360.00} - XXXX {$10.00} - Foreign Transaction Fees {$0.00} - XXXX XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-13
Company: BARCLAYS BANK DELAWARE
State: IL
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 have been trying to get this derogatory off my credit report for months. I have sent in 4 disputes and nothing has been done. I have sent in proof that i myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit report are in violation of laws 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1666 - Correction of billing errors XXXXXXXX XXXX XXXX XXXX  Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion dropped my score 5 point ( XXXX too XXXX. On XX/XX/18 I made a payment to XXXX XXXX account, ending balance being only XXXX on a XXXX limit. All data based on TransUnion XX/XX/2018 I spoke with XXXX XXXX reps and they stated that my due date is XXXX of every month, closing statement is XXXX and then they report to the CRAs on XXXX. Today on the XX/XX/2018 TransUnion erroneous drop my score for No reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: NC
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:
Credit report are in violation of laws 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1666 - Correction of billing errors XXXX XXXX XXXX XXXX Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid 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:
I have tried to make my payment with Chase several times but they processed my payment incorrectly. Then, out of the blue I was notified that I was past due on both cards. Nobody ever let me know the status. In addition, they call customers using blocked numbers and have agents leave rude messages with account information disclosed that I will play on social media. They use deceptive phone practices and their agents are rude and hang up on me when trying to pay. I want both of these credit cards off my credit NOW ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Spring Oaks Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I purchased a new AC unit for my home. I was told that I could finance this purchase and pay it over time. They said this would be a loan sort of like a care payment or a mortgage. I was not informed that this would report to my credit profile as a maxed out credit card and destroy my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried applying for the credit card and I was informed that the information on my application and the information on my consumer report did not match. After reviewing my report personally I realize that my name is incorrect. 
My only name is : XXXX XXXX XXXX I would like all other variations of my name, removed from my consumer report, because it is damaging my financial health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU

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 2023-03-07
Company: EQUIFAX, INC.
State: TX
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 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 below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have an apple credit card that I never use. I was alerted on XX/XX/XXXX from my fraud protection company that I was delinquent on my account. I checked the card and saw small charges that I never authorized. The charges are listed as followed ; XX/XX/XXXX. {$.00}. 
XX/XX/XXXX. {$5.00}. 
XX/XX/XXXX. XXXX XXXX. 
XX/XX/XXXX. XXXX XXXX Interest fee. 
XX/XX/XXXX. XXXX XXXX Interest fee. 
XX/XX/XXXX. XXXX XXXX Interest fee. 

I contacted Goldman Sachs/Apple on several occasions and they gave me the run around. Several managers said they would credit back my account for the {$8.00} and would have it removed off my credit with the bureaus. I have not used this card since I got it and did not authorize any transaction. I never received any notification of past due by email, text or postal mail. Today they notified me that they would not take the charges off that they believe they are accurate. They can see from my history on this card I never have used it. Why would I allow {$8.00} to ruin my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Attn : Customer Service Vanderbilt Mortgage and Finance , Inc. 
XXXX XXXX XXXX XXXX, TN XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX Owner : XXXX & XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Vanderbilt Mortgage and Finance, Inc ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 
Although Vanderbilt Mortgage and Finance , Inc is my loan servicer, I am unaware of the present lender, which is allegedly governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.

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 2016-01-20
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I went through a 6 year Chapter XXXX and during that time my loan was sold several times. Eventually Seterus had my loan. I have ben out of the BK for 9 months and in a trial loan payment for 7 months. The trial payment was supposed to be for 3 months then the loan modification would give me a new loan. Seterus gives me the same story each time, The loan department is backed up and will get to your loan very soon. I concerned that communication with responsible persons at Seterus is almost impossible. XXXX XXXX Seterus Loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: MD
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:
Equifax is requesting information to verify my identity. This information was sent to them on XX/XX/2022, complaint # XXXX. This seems to be a stall tactic with the credit bureaus. They are reinserting information without my knowledge and not following the law according to FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 Also, it states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Account information incorrect

Complaint:
I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.

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 2023-01-27
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have open a cash app account in XX/XX/XXXX. I made it my savings account for my child I had on the way. I had placed the account in my, with my DOB, SS # when the account was created. I had sent 3-4 payments ( $ XXXX ) to the " baby 's savings '' account from my " A 1 '' cash app that use on a normal day to day activities. 
The email that was registered to " Baby 's Savings '' account was lost when I had broken my phone. I had contacted Cash Support in XX/XX/XXXX in regards to helping me regain access to the account. I was asked to provide photos ID an to create a new cash app account to transfer the funds from " baby 's savings '' to the new cash app account. After cash support received ID as requested I contacted them again to get started on the funds transfer. Multiple times I was hung up on when trying to explain an or asked not to call just email on the app. Cash support would never help with emails back an forth. Again I contacted Cash Support by phone requesting access to my account. I was informed for " security reasons '' I could not have access to my account " baby 's savings '' an was immediately hung up on. I tried numerous times to speak with different cash app support customer service Representatives an again an again I was hung up on. 
XX/XX/XXXX, was my final attempt to contact cash app in regards to regain access to my account. I had followed all requested procedures " ID summited, creating new cash app an wait to be contacted ''. Cash support informed me a balance transfer an regaining access to account " baby 's savings '' was failed an nothing they can do to help once again.. and abruptly hung up on me immediately. The cash tag for the " baby 's savings '' is $ XXXX. I want my money back from this company an the account closed immediately. This is a fraudulent scheme that's being played to launder my money and not give me access to it. There's no reason for them not to give me access to my cash app account that's in my name was my social security number. I am infuriated with the customer service disrespectfulness and unwillingness to help cure the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-21
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My current lender Caliber Home Loan XXXX XXXX XXXX XXXX, OH XXXX Loan number : XXXX Caliber Is refusing to return to my escrow account {$1200.00} amount that as per their Home owners Insurance Department was send to my previous Home owner insurance company XXXX XXXX XXXX XXXX XXXX of North Carolina XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

On XX/XX/XXXX ti cover my XX/XX/XXXX to XXXX XXXX Home owner Insurance. 
Never receive de payment and my home owner insurance got cancel on XX/XX/XXXX because they never receive a payment from Caliber. 

Caliber on a letter address XX/XX/XXXX to me state that since XX/XX/XXXX I did not have XXXX because I did not pay. 
This payment as per never XXXX was never received .On XX/XX/XXXX was the first time for the past 5 months that Caliber called XXXX to see why this policy was cancel. 
As per Caliber they used a wrong address to send the payment. 

On XX/XX/XXXX I my self call a different insurance travelers to insure my home, because my previous insurance will not renew my previous policy because 5 months already pass. 

For the past 45 days I repeadly call Caliber Escrow Department and Home owner Insurances department to get the {$1200.00} back in to my escrow with no success, nobody really have a resolution, false promise to be resolved in 1 week or " We will call you to follow up with you " nothing had happen except that they used the escrow money in my escrow to pay my property taxes to pay for my new Travelers XXXX {$1400.00} and these create a deficit that increase my monthly payment from {$1700.00} to {$1800.00} on XXXXMy new XXXX increase XXXX XXXX yearly and leave me a bad record with Occidental XXXX because they have me as a bad payer. 


Multiples letters staying that I don't have insurance, That I have insurance or that I will have to pay {$690.00} for the months with out insurance.Caliber poor costumer service and no answers or resolution is the reason why I am complaing. 

I feel this is a miss used of my escrow account and a abused of on low income costustumer because they never keep track that the insurance payment Check never was cash if they really send this to the wrong location.Also if the check never was cash why I not getting credit that amount back to my escrow account instead they want me to paying they back .This company is a scaming

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks XXXX XXXX

Company response to consumer: In progress