BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: SC
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:
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 Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: SC
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This has been ongoing since XXXX of 2022. We filed one complaint, thought it was being fixed, only to find out LoanCare has been doing everything they said they wouldn't. It needs to be reopened. We have the letters to prove it. We are assuming this is all retaliation because we filed a complaint with you and asked for LoanCare to be investigated. There is no other reason for it. Now LoanCare has charged us another late fee, sent XXXX another payment without knowledge or permission when the letter we received from LoanCare said this would not happen again which has again wiped out our Escrow account again, has our account as delinquent, and has this so messed up it is beyond understanding. I guess it is time to go to the media and also get an attorney. 
XXXX shows our account is already paid in full. LoanCare does as well but refuses to acknowledge it. XXXX sent the payment back to LoanCare as it indicated on the refund payment to LoanCare it was supposed to go to our Escrow account. They are just issuing payments illegally out of our account. When we call, we can not get anyone to talk to us. When we email, it gets kicked back saying the email doesn't work or our information shows that it wasn't processed. None of their links or emails work. Again, we have never been late and all of these apologies from LoanCare are just to make the case look good for the VA and the CFB. Yet they are showing we have only made one payment all year which is not true. We have always paid early. We have our bank statements to prove it. LoanCare needs to be investigated for all these illegal practices.

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 2018-05-08
Company: U.S. BANCORP
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
US Bank continues to send emails to me that should be going to their actual customer. I am not a US Bank customer nor have I ever been a customer. Unfortunately, one of their customers incorrectly used my email address at some point while creating an account with US Bank. So now I routinely get emails from US Bank with the name of this customer, the type of product used by the customer and the last four digits of the credit/debit card used by their customer. Despite many emails to US Bank ( sent to both their customer service AND their fraud departments ) I get nothing but additional emails and useless instructions on how to fix MY account records. To repeat, I am not their customer and have no account records with them. It is impossible for me to fix something that doesn't exist. US Bank refuses to correct this incredibly simple piece of info, and willfully chooses to expose their customer 's data to somebody who not only has told them repeatedly to NOT send this to them, but has explicitly told them I was not their customer. They need to fix their error, not me. Further, their customers need to know how callous and indifferent US Bank is to protecting their data. The kicker in all of this is that nearly every one of these emails is promoting how US Bank is working to protect their customer 's private information. Rather hilarious!!

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 2023-05-08
Company: Terrill Outsourcing Group
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX I called Superlative RM to ask if they were a collection company for a collection company. They would not advise. I stated they would receive my letter in the mail and do not call my cell phone. They called me again on XX/XX/2023 and stated it about my dispute. They should have waited for my letter and not called me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
On XXXX of 2016 i send the payment but something went wrong with the payment and they send me the money back and report a lated payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted credit bureaus and continue to get send proof of address and identification. That I did the credit bureau is not removing information from a collection agency midland credit is reporting XXXX  days late on a collection account its not legal because I have never had an account with them. Another collection company is reporting to the credit bureaus and I havent had an account with them. I gave proof that they are also not legally to conduct business in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: BARCLAYS BANK DELAWARE
State: FL
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:
We ( XXXX XXXX ) and myself ( XXXX XXXX ) were in XXXX XXXX on a cruise XX/XX/2019. We were approached my a woman and convinced her into going into XXXX. They told XXXX that they could remove the bags under our eyes. The operator XXXX would take care of it. I told XXXX I have very XXXX XXXX. He said no problem and I could return it this happens. That night I XXXX XXXX on my XXXX. I have photos of it. I was told the price was {$290.00}. The charge which was processed was {$340.00} on my credit card, that was the first issue. Then another man used something on our necks to remove wrinkles. That was another {$2000.00}. We didn't leave with the products they were to be mailed to XXXX XXXX 's house at XXXX XXXX XXXX, XXXX XXXX, Fl. The next day XX/XX/XXXX in XXXX. XXXX I tried to call them to tell them not to mail the package as I XXXX XXXX from the product. There was no answer nor an answering machine to leave a message. I still have the record of the call on my XXXX. We got back Sunday XXXX late. The first thing Monday XX/XX/2019 morning I called my credit card Barclays Bank to file a dispute on both charges. XXXX also filed a dispute with her bank XXXX XXXX. XXXX also called and spoke to XXXX and told them not to send the products and that we weren't going to accept the package when it comes. The notice came and XXXX took the notice to the post office and marked it REFUSED RETURN TO SENDER. I have all the tracking information from the post office including where they signed for the return of the package. XXXX 's Bank XXXX XXXX credited her back the monies back. I also copies of her credits. 
I also sent all my documents and pictures to the CEO XXXX XXXX of Barclays Bank. I never got a response from him. I got a denial from the dispute department. I wasn't the courtesy of a response from the CEO XXXX XXXX. As a retired XXXX of 31 years I don't understand how one bank protects their customer and the other doesn't. I always protected my customers XXXX has both the products and my monies totally {$2300.00}. I am a recent widow and hope you can help me. I can send you all the documentation. I can't scan it on my computer. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX cell

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 2023-07-31
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a gift card on XX/XX/XXXX 2023, that was fraudulently used. 

I contacted Incomm immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, 2023, Incomm requested documentation on the card, which I provided and also attached to this complaint. 

Since then, I have not heard any updates on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-05-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I GOT A LETTER FROM XXXX XXXX XXXX DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX  TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXXI CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX LETTER TO COLLECT THE SAME DEBT XXXX {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM TRANSWORLD SYSTEMS INC. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  days In accordance with the fair credit reporting act XXXX  account number # XXXX has violated my rights. 
15 usc 1682 section 602 States I have the right to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer report agency furnishes account without my reading instruction.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has a

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 2021-06-03
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX - initial loan disclosure sent by LoanDepot. 
XX/XX/XXXX - XXXX loan disclosure sent with increased origination fee, monthly payment, and closing costs sent by LoanDepot. 
XX/XX/XXXX - I personally reviewed all documentation and noticed that the appraisal was incorrect. The appraiser put down XXXX acres and not XXXX acres and compared our home to similar homes with less property thus undervaluing our house, which consequently made the origination fee increase and the monthly payment and the closing cost. I pointed out the mistake done by the appraiser and was told that I have to submit an appeal even though a correction needs to be made by the appraiser. 
XX/XX/XXXX - My fianc and I have been trying to get direction from LoanDepot on how to fill out the appraisal appeal form but have not gotten a reply. 
XX/XX/XXXX - I filled out the appraisal appeal form to the best of my ability and submitted it to LoanDepot. 
XXXX - I finally heard back from LoanDepot after calling and emailing almost daily since I submitted the appeal on XX/XX/XXXX and was told that information is missing. 
XXXX - I left work early to call the main line of LoanDepot and spoke with XXXX and to try to get some information on how to fill out the appraisal appeal but was transferred to XXXX who did not know and told me no one is available to help answer my question. 
The main issue is communication or lack thereof. 
The second issue is attention to detail. 
LoanDepot should have caught the mistake and asked the appraiser to redo their work instead of putting the onus of responsibility on the consumer without any direction. Plus we have already paid for the appraisal and now we have to do it ourselves after paying to have it done through LoanDepot and facilitated by Valuation Partners, specifically by XXXX XXXX XXXX - Appraiser. 
What needs to happen is we need someone at a higher level at LoanDepot to help rectify this issue since XXXX XXXX-Licensed Lending Officer, XXXX XXXX Account Manager II, and XXXX XXXX  XXXX Processing XXXX have helped. 
They should have Valuation Partners redo the work that we already paid LoanDepot to perform instead of making the customer do all the work. 
Failing that, they should at least communicate how we can accomplish the appraisal appeal since neither myself or my fianc are home appraisers and the document provided gives no direction but does tell us that we can't use XXXX, XXXX or other valuation websites. 
Basically, we can't use anything that average people know how to use but are not told what we should use. 
CFPB - please help since LoanDepot won't!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-06-20
Company: EQUIFAX, INC.
State: NY
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 have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted equifax, XXXX and XXXX  XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got an email from Bank of America to confirm my email address. I haven't contacted the bank before so I called them. It turned out that someone has set up a bank account with them and applied for a credit card under my name using my address, social security number, but their own phone number. 
I have requested for them to mark it as fraud and close the account. 
I also have frozen my credit with all the Credit Bureaus.

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