BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have had our loan with caliber home loans for the last five months. Every single month something is wrong with our account. We consistently get erroneous late letters and late fees. We have tried to pay early, we have tried to pay on time, we have tried over the phone and talking to a specialist. Nothing seems to work. Last week when I called the company, the automated system said I am enrolled in Covid relief program??? Then my loan says I owe the original loan amount and I am over 90 days late??? Now the automated system is saying something about a debt collection. We have never been late and have always paid on time. Caliber home loans is extremely frustrating and I am concern about my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Block, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A month or so ago, I had 2 Cash App cards issued to me, arriving on the same day, without my having ever requested them. It look several hours of my time and 2 XXXX  complaints to get confirmation that the accounts were closed. The company does not have a dedicated call line to get the issued resolved. 

To my great annoyance, a new card arrived today. I have no interest in ever having a product of this company associated with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-21
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was not not billed accurately by originator of debt thru medical biling error. This debt is also older then 7 yrs and was never reported correctly. This collection company that bought this old debt is now falsely reporting this debt as if it is recent showing XX/XX/2019 which is not true. I have had no contact with this company and it should provide the correct date of orig. billing collection at the very least which reflects orig date which should be date the the Physicans office that I had the dispute with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: ENCORE CAPITAL GROUP 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 am trying to refinance my house and they said I owe XXXX to Midland funding, I don't know who Midland funding is and I don't owe them anything. I have checked my credit report and my credit is good and nothing from Midland funding on it. I have in the past been a victim of identity theft and fraud. I have numerous of credit cards and also can get anything I want with my good credit. I want this matter resolved because it is messing with me trying to refinance my home. This has never happened to me before. I don't owe this debt, thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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 ended my relationship with XXXX when I found out the owner of the XXXX XXXX location that told me I could not rent without the additional insurance. He was lying to me forcing me to purchase additional insurance and discriminating against me. Knowing my company already pay for and cover my insurance. Also their corporate office charge you for tickets and tolls twice after you pay. They constantly try to recharge. XXXX would not meet half way in understanding their mistakes nor battery issues. So I went to XXXX and started a relationship to get a car to work. I went to Capital One with my issues. The noticed canceled the card returned both amounts. XXXX weeks later XXXX tried to do the same thing and was stopped denied charging as should. A few days later on the same closed card that had been closed for days and was locked until the new card arrived Capital One let charges go through my account. I called and they were returned but now I am being told by Capital one the company that breeched my information that they can not help. But I am A lot confused to how a closed/canceled card and a locked account is charged after I tell you I have issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
bank in MN would be XXXX XXXX using my name XXXX XXXX could possibly be XXXX XXXX using my name.Also child support was cancelled by my sons dad XXXX XXXX, our son is XXXX he stopped all arrears and back support, nothing filed in XX/XX/2020.Last time I checked my score was 680-760 only 3 months ago.Also I had transferred {$40.00} from my work pay check card ( wisely-daily pay ) to my bank account 3-4 weeks ago and it still is not in my account at XXXX XXXX  wondering why??? I also have identity theft through social security and federal and state.Also stolen DL and social security cards

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 2021-04-24
Company: Experian Information Solutions Inc.
State: WA
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 have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to XXXX. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

-XXXX XXXX- The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

-XXXX- I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

-XXXX- I disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.

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 2023-07-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to XXXX. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

-XXXX XXXX- The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

-XXXX- I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

-XXXX- I disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.

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 2020-03-25
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, Mr. Cooper validated loan number XXXX with a " promissory note '' XXXX that was satisfied from the proceeds of a foreclosure sale on XX/XX/XXXX, that was secured by the " Deed of Trust '' XXXX that was foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: NY
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:
Noticed a few accounts on my report I do not recognize

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers XXXX XXXX XXXX XXXX of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUD/REMOVE INQUIRYS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX FED XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed 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 2021-04-24
Company: CITIBANK, N.A.
State: NJ
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:
Citibank has not been protecting my account for a year now. XXXX XXXX has fraudulently overcharged my card an kept deposits that Citibank knew about the whole time, I tried to dispute an Citibank took my money instead an made me pay back the continuous overcharges XXXX  kept doing. XXXX is somehow connected to Citibank an keep charging my card an causing issues with my account that Citibank fails to do anything about. I paid my {$720.00} on my account and Citibank took my {$720.00} an dropped my credit limit to {$300.00} as a penalty an stated I have not made payments in time when my account with Citibank always has been in good standing I have always made my payments on time I have 20 payments made in time before XXXX  fraudulently started charging my card. After me paying someone is still charging my card while my card is locked an Citibank is trying to make me pay on my account after I paid {$720.00} to my account. The customer service representatives are rude an always yelling in the phone m, because Im concerned as to what is going on with my account. XXXX XXXX  keeps attacking me by attacking my account an harassing me. I feel like my credit limit was never dropped an someone is charging my card an Citibank has possibly certain employees who are fraudulently causing these acts to my account for 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