BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: State Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was seen at emergency room due to car accident, XX/XX/2021, XXXX XXXX XXXX, I did provide insurance information to hospital at time of visit, the hospital didn't submit to insurance, and I didn't receive any information from hospital for debt, until I found on credit report, I have requested removal several times, without reply. I asked XXXX to submit payment, and State collection didn't reply with any documentation in the time of compliance, therefore debt is not my responsibility per XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions 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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and 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 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 2023-08-03
Company: EQUIFAX, INC.
State: KY
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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Grain Technology, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The company has been on auto draft from my account for around 2 years. Out of nowhere they disconnect all accounts and on top of that start charging late payments when I have had the same account info since 2016. I can not make a single payment over the phone, online, on the app NOWHERE. They are destroying my credit and refusing to answer customer support emails or provide any way of just paying off the credit line. I have filed a dispute with my credit company because this has to be some sort of malpractice. If the consumer cant pay a debt and the provider has no way of offering them a way to pay said debt its not valid!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was traveling to XXXX. My flight landed in XXXX XXXX and I went to the nearest ATM to withdraw pesos ( in the airport ). The ATM successfully went through all steps and ultimately arrived at cash disbursement phase. 
At the time cash should have been disbursed, the ATM made a rattling/clicking noise and showed an error screen. It also printed a receipt showing I received my cash, when I, in fact, did not. 
I took a picture of the receipt, a picture of the ATM 's number, and tried to contact the XXXX bank via email, calls, and their XXXX page. I never received a response. 
My next step was to contact Chase, who conducted an investigation and informed me of " compelling evidence that I received my cash and would not be refunded. '' I feel unprotected and worried to use an ATM again. What if this were a larger transaction? Ultimately, this was only {$100.00} plus the Chase {$5.00} transaction fee and another {$3.00} FX conversion fee. 
Chase 's dispute process is so friction-filled that it's demotivating for myself and consumers, in general, to file disputes. They gave me a last resort of faxing my receipt to Chase. I do not have a fax machine and have been traveling for many months. The receipt also says that I received the funds, which I stated multiple times throughout this process- it would not be useful evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: EQUIFAX, INC.
State: VA
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 contacted Equifax Credit Bureau to dispute inquires that I did not authorize on my credit report. I received a response stating the credit was accurate when I did not make these authorization. Further The credit inquire with XXXX was definitely not made as I have a deposit with their company for refusing to have my credit pulled. 

Following inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XXXX/XXXX/XXXX I had a inbound XXXX wire transfer of XXXX converted to USD {$71000.00}. 
Being that the XXXX was slightly better that the USD with the days XXXX range of XXXX to XXXX with the close at XXXX. I felt they were taking a awfully large % and wanted to know how it broke down. 

I went to the local branch, and of course they had to call someone at the XXXX desk. After going over the information with XXXX in XXXX, I told him this was a very poor exchange rate exchange rate and that they needed to re-evaluate it, his response was that they are very competitive in the exchange market. I then pointed out to him that a bank here in Florida, XXXX would do it all day long in any currency at .075 % under XXXX, and their a small fraction of the size of Wells Fargo. 

He said he never heard of them and said that was the best they could do as it is a program. He did tell me the executed rate they gave me was XXXX. This is like a exchange rate at a window at the airport in my opinion.

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 2020-04-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I believe someone has been using my identity. I have had money stolen from my bank accounts, etc. I believe this website that had email me is an impostor website. ( https : //usa.experian.com ) It has all of my info. But other than this, I have had many problems with my identity. Just recently Ive had hundreds stolen out of my XXXX XXXX XXXX account.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-05-25
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to improper account practices on Amerisave and the Loan Servicing Company XXXX My account shows as in default and has negatively affected my credit score. 

The reason the payment went up in the first place to {$2600.00} was due to an accounting/paperwork error on AmeriSave 's part, in addition to taking 7 months to complete the deferral which legally AmeriSave was allowed 30 days, according to the CARES ACT. As a reminder, the deferral expired in XXXX of XXXX and was paperwork was completed on XX/XX/XXXX. We should not have to bear the financial burden due to this nor can we afford the payment of {$2600.00}. The {$2200.00} payment will be backdated from XXXX. Please provide me the legal paperwork that does not allow for this to happen with case law and FL statutes attached. This should be correct ASAP. The " payment '' for {$1500.00} is the amount missing from the Deferral Agreement that was offered by Amerisave, only {$8200.00} was applied to the account while a total of {$9800.00} was approved. See attached for XXXX statement with deferral amount and see Payment Deferral Offer Letter ( QRPC ) for a total approval of {$9800.00}. In addition, see the letter sent to the XXXX XXXX XXXX Case # XXXX from " XXXX XXXX ''. 

Upon further review of my bank statements, I have found another discrepancy in account on XXXX 's behalf. Currently, there is at least {$2200.00} XXXX If using the monthly payment of XXXX starting XX/XX/XXXX ) or {$4100.00} XXXX If using the monthly payment of {$2200.00} starting XX/XX/XXXX ) missing from payments that have made to the mortgage. XXXX attached XXXX workbook. xls or pdf. This is in addition to the other items that were incorrectly handled by XXXX and the XXXX XXXX XXXX XXXX. This should be corrected within XXXX hours to avoid confusion. I have attached the bank statements with this email up to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I emailed Guaranteed Rate 's Special Loan department, per their Customer Service department 's direction with a request to put a lump sum of money toward our principal and to recast our loan. 

XXXX XX/XX/XXXX, I received a letter from Guaranteed Rate with the steps necessary to recast our loan. I called Guaranteed Rate Customer Service to verify that I needed to put another request in writing, per the letter, and to confirm that I can put both the amount to be applied to the principal ( {$100000.00} ) and the fee to recast ( {$300.00} ) on the same check. Customer Service reported that I did not need to write an additional request, but I did regardless, and my wife and I signed it. I then mailed a check for {$100000.00} to Guaranteed Rate on XX/XX/XXXX ( check # XXXX XXXX, which was cashed on XX/XX/XXXX. 

I contacted Customer Service the first week of XXXX to check the status of the recast because our XXXX payment was still in the original amount. Customer Service informed me that I was going to receive a packet via 2nd day Air from UPS, which I received on or about XX/XX/XXXX. In the packet, a letter dated XX/XX/XXXX confirmed the {$100000.00} amount in principal reduction and provided loan modification paperwork that needed to be signed and notorized. This process was completed on my end and sent back to Guaranteed Rate via UPS 2nd day Air on XX/XX/XXXX. 

I contacted Customer Service the last week of XXXX to check on the status of the recast, as our XXXX payment was still in the original amount. Customer Service informed me that it was being processed on XXXX and to wait to make the payment until it was adjusted/recast. 

Today is XX/XX/XXXX. I contacted Customer Service again, as the due payment is still showing as the original amount. They are sending an email to " XXXX XXXX '' to initiate the recast, as they can not do anything more. 

Guaranteed Rate took possession of {$100000.00} of my money in XXXX and received the paperwork they required before it was due ( per the XX/XX/XXXX letter, it was due on XX/XX/XXXX ). Their Customer Service department has no connection to XXXX XXXX and is unable to rectify any issues. I am being put at a great financial disadvantage, as I sent them an extremely large sum of money and am still being held to the old principal amount. If I do not pay by the grace period ( XX/XX/XXXX ), I will then be in bad standing. Guaranteed Rate is operating unprofessionally and unethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im writing about a dispute the following charge from Caliber Homes Homes. 

XX/XX/2022, Caliber Home Loans Inc {$600.00} I was charged {$600.00} for this appraisal but was given an unfair home appraisal. Ive attached documentation of attempts to dispute the appraisal and repeatedly denied by the Caliber Homes Mortgage Company. The value they gave me does not coincide with what I could get for it and many homes sold in the area at the time. I corresponded with Caliber between the months of XX/XX/2022 and XX/XX/ 2022 to dispute their appraisal as quite wrong and it seemed like they were just wanting to get my XXXX to deny me a refinance. Additionally, I feel like there was some discrimination here as its common for appraisers to appraise less for XXXX and XXXX neighborhoods. This neighborhood is primarily XXXX and XXXX. I sent them 9 homes that sold in the area for more than what they appraised my home in the last six months. 9 homes is a big comparable difference in XXXXXXXX. They appraised my home at under XXXX, this is not even the amount of sales that happened in the last six months. 
I refuse to pay for discriminatory practices and XXXX XXXX XXXX would not dispute the transaction for me anymore. My dispute process has been left to file a complaint for discriminatory appraisal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: BARCLAYS BANK DELAWARE
State: WI
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:
Made online purchase on with XXXX XXXX onXXXX XXXX for $ XXXX.Product not received .Attempted contact revealed company out of business. Initiated legitimate dispute with Barclays ( dispute # XXXX ) in late XXXX. To date have received no credit to my account, and no resolution.Several contacts wit Barclays dispute department have met with same unconcerned scripted replies of " still under investigation ''. Contacts advise I can not speak or Email the individual that is actually handling the dispute? Have noticed many social media posts from consumers who have experienced basically the same issues.

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 2023-02-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was close with out notification. I have been a customer with Lowes credit card or synchrony Bank credit card since XXXX. I have had good standing and made my balance payment on time. I had a credit limit of XXXX with them. I recently got a report from my credit dropping XXXX point due to my account being close. When I called on XX/XX/XXXX they inform me they ran my credit on XX/XX/XXXX with out my consent. They close my account and reopen it with out my permission. When they try to credit verify my credit had recently token a hit due to fraud in the last couple of months. I called to get more information and they stated they had to right to run my credit at any time. I look threw there terms and condition and found nothing stating they could and did that with out my permission. I use this card monthly and would have no reason for my account to be close. This is unfair and discriminatory practice and should be look into. After doing more research I found that XXXX XXXX had been caught doing the same. I have contacted them and even there customer support agree some unfair and shady practice was accruing. They where unable to open back my account and solve resolve the issue with the damage that was done to my credit.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-08-03
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 non-monetary relief
Consumer complaint received 2023-06-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After loosing my wallet at the end of XXXX with all my identity cards such as drivers license, social security card, credit cards, debit cards and residency card inside of it, I had a lot of hard inquiries and credit card showing up under my name. I contact those companies to try and cancel them but they wouldnt help me at all, I even filled dispute over them all but there still wasnt removed. I just learnt from a coworker about this website that might be able to help me clear them up. I am giving another try. Thanks for your assistance. Collections and charge offs are listed below. 
-Midland credit management {$630.00} and {$3500.00} -NCA {$970.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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:
EQUIFAX, REMOVE XXXX. You only CLOSED this account which hurt me by XXXX points!!! DELETE it or I will seek litigation against you. REMOVE this false account from my credit report! I submitted PROOF my identity was leaked Im the internet! You are choosing to ignore me, the irs, the ftc, and the XXXX police department if you do not DELETE this!

Company response to consumer: Closed with explanation