BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This started at the end of XX/XX/XXXX when a supplemental tax bill was due and separately, when I spoke with one of their representatives regarding a refinance loan. First, I was under the impression that the mortgage company would pay that, but was not sure, so I sent a message through their website asking for clarification on whether that was the case or if I had to pay it. I sent this on XX/XX/XXXX hoping for a reply in the next couple of days since the bill was due on XX/XX/XXXX but I did not get a reply until XXXX. Since I did not hear from them by XX/XX/XXXX, I went ahead and paid the bill, only to find out on XXXX that they had supposedly sent a payment. Additionally, they informed me that because they paid this supplemental bill, the escrow portion of our monthly payment would have to go up to make up the deficit ( since there is a minimum amount of money required to be kept in the escrow account ). However, to this date, the county tax office still does not have any record of any payment sent by the mortgage company and as such I have requested that our payment go back to what it was previously. They have failed to respond to multiple messages I have sent with this request or asking what is going on with the payment at the county tax office has not received anything. Until yesterday, they had done nothing but simply said they would start looking into it. Then today I discovered that they sent another tax payment for a portion of the supplemental bills ( XXXX installments ), but not sure why that was sent prior to resolving the issue with the XX/XX/XXXX payment, which already included this. 
Secondly, we were considering refinancing our mortgage and made a call to them in XXXX to see what they could offer. The representative on the phone went through a series of questions and gave me some preliminary numbers. He asked if he could proceed with all of the info I had provided and do a soft inquiry on our credit report, and I said that as long as it was a soft inquiry, that would be ok. A few days later, we received a new loan document package for a loan application that was open on our behalf and noticed that a hard inquiry had been placed. I never authorized this, but they pointed the finger at the credit bureaus and the bureaus pointed the finger back at the mortgage company with no resolution.

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 2023-10-25
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi, I filed a complaint on XX/XX/XXXX, ID was XXXX. Then I received a reply from the complaints Administrator. He said he will reply the final response by XX/XX/XXXX. BUT I DID NOT RECEIVED ANYTHING UP TO TODAY ( XX/XX/23 ). I did a follow up by sending an email on XX/XX/XXXX and got a reply on XX/XX/XXXX saying that they were working on it. And I gave it a few more days. I just checked the status here, it stated XXXX. It is totally insane! 

Please help or guide. Should I report to a the local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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:
I checked my account and noticed an unrecognized account on my credit report. I have sent multiple letters to the credit bureaus asking for evidence ( a signed and dated contract or agreement ) of the alleged debt. They have sent me the same letter multiple times, saying it is verified yet providing NO evidence. 

*FCRA Act Section 611 gives me the right to request an explanation of the verification method used by the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is 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
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank ok America allowed XXXX XXXX XXXX too open an account under my company name XXXX XXXX XXXX an I'm the sole owner of the company an cashed checks from XXXX, retail security, XXXX apts, an my other of my clients using a blacked out paper with my name blackened out ... this activity was fradulent these were funds embezzled from my company n employees ..without throwing up any flags ..an that's bad business practices an grounds for a claim an law suite .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Disputed the inquires Capital One made as i never applied for any auto loan with them. I filed a FTC report and faxed it to them and they haven't remove the inquiries like they said in my last complaint. 

Previous Case Reference Number : XXXX CFPB File Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax XX/XX/2018 Confirmation # XXXX Personal Identification Information under previous address Equifax has for the last past months after I have reported that these address are not my address and have ask Equifax to provide proof of the said address that are not mine or have ever been any address of mines. 

Wrong Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Provide proof of these address on file by Equifax as my address belonging to me by lease, purchase, rent in documentation as in my name. 
Equifax has the wrong information as to these address and it has been over 4 months now and incorrect address and information on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Collection Management Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon receiving a phone call and voicemail, I called company back ( credit management company XXXX ) they stated they called to collect a medical debt. I requested the debt to be sent in writing so I can verify it as I have moved recently and dont have any access to my paperwork. They directly refused and said they have no legal obligation to send anything in writing verifying the debt. I told them I have a right to receive something in writing before I pay out of pocket and they refused multiple times and then simply hung up on me and I was on hold to talk to another agent after that for over an hour and never got thru to anyone else. I will pay debt if i owe it but I want to verify it in writing before doing so as I think anyone would want to as I do not recall any recent medical debts I owe other than the ones on my credit report which this is not so I can not verify. I feel they are using horrible bully tactics and I needed to make someone aware to help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
Fair credit reporting act. The list of account below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.

The Fair Credit Reporting Act of 1970 ( My Account number are XXXX  out ) Attorney General-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Dept Of Ed XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to any consumer reporting agency if the person knows 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 2023-07-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2023 I made on-line purchase for {$420.00} for a XXXX bag using my Chase credit card ending in XXXX. The merchant online name was XXXX and it showed up on my account as XXXX. Initially nothing was received and I created an dispute with Chase using the Chase website. The merchant then sent me a fake item and informed Chased that an item was received but it was counterfeit. I was advised by Chase that I needed to close the first dispute because something was received and open a new one saying the item was counterfeit. I did this in writing, as required, and included a report that the item was counterfeit. Chase requested an additional and more detailed verification that the item was counterfeit and I pay for a new report with a company called XXXX XXXX to confirm it was counterfeit. After waiting over a month for Chase to review the new report I received a letter from Chase closing the dispute saying the transaction was valid. Confused, I call Chase again and asked for an explanation given the evidence I provided. I was told that Chase didn't even look at the reports and said I closed the dispute which is completely false.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04
Company: Caliber Home Loans, 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 information incorrect

Complaint:
We hold our current FHA mortgage with Caliber Home Loans. We have paid on time since the inception of our loan XX/XX/XXXX. 

We have typically paid via their online portal, despite issues with the portal where the payment wasn't processing, which happens often. We will then log in the next day and try again. 

We have tried multiple times to pay via their automated phone system through XXXX XXXX which for some reason can not process our payments, not due to lack of funds. Just an error with their processor. 

On Friday, XX/XX/XXXX, we made an online payment for the due balance for XXXX. We received no error messages, and we received confirmation of their receipt of payment through a secure message on their website. I am attaching this for your review. Also of note, this is a shorter month with 29 days. 

We were notified a few weeks later through our XXXX apps, that the payment was marked as 30 days late. 

At this time, we called Caliber Home Loans to dispute the late payment and we were told that we should have paid via the phone system for it to post same day. We told them that their phone system wouldn't authorize our debit card or ACH check as it didn't in XXXX, XXXX when we tried to use the system while travelling outside the country. Therefore, our previous experiences with the phone system lead us to always pay online. 

They said that since we paid online, and before 30 days, it did not matter because the payment posted to their system XX/XX/XXXX. Caliber stated that even though they have record of our payment on the XXXX of XXXX, they will not update the credit reports to show an on-time payment. 

At this time, we filed with all 3 credit bureaus a dispute of the reported late payment by Caliber, and on XX/XX/XXXX XXXX  investigated and deleted the late payment from our credit files. 

Now we are trying to refinance our home to save money during the pandemic, and we are unable to qualify solely because of this one reported late payment that was actually not 30 days late. 
We have never been 30 days late on any mortgage. 

Please help us to ensure that we are able to hold Caliber to the date we paid the loan and not when it posted for them ; which could be an arbitrary amount of time. 

Attached : payment confirmation on the XXXX of XXXX, XXXX, Confirmation of increased credit score when XXXX  removed the 30 day late payment. Letter to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-03-31
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been trying to get my free consumer report from Early Warning Services , LLC for over a month now but they have yet to send it to my email address. I made an account for their online portal and sent in the document & my ID that was required, but now when I try to login it won't allow me and when I click " forgot password '' it sends me an email telling me that I've been denied to change my password. It doesn't make any sense. 

I received a letter in the mail to call their XXXX number with my consumer ID number so they can verify it's me and to to get my consumer report. I called and talked to a woman on the line and was told I was put in the queue for the consumer report to be sent electronically to my email but it has yet to arrive. 

I've had no issue with getting my report from XXXX or from the three major credit bureaus who make it a much easier process. I don't know why EWS makes it so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Legal representatives of XXXX XXXX XXXX - account number XXXX, ( i.e., XXXX XXXX XXXX - Attorney Code XXXX - XXXX, et al. ) ; files a Small Claims action suit against me as the claimant, in XXXX XXXX, Alabama - XXXX # XXXX. The small claims states that their " records indicate that we purchased this SYNCOHRONY BANK credit account on XX/XX/2022 when the outstanding balance was {$720.00}. The problem with this false statement is that SYNCOHRONEY BANK had already resolved this matter as a matter of Identity theft and fraudulent activity. Therefore, the outstanding balance was then written off as a lost. I verbal and written statement was provided to the fraud department of SYNCOHRONEY BANK prior to any statement of collection by XXXX XXXX XXXX, and that information was then reiterated. In accordance with the Federal Trade Commission says youre not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. Yet, XXXX XXXX XXXX, and their legal representatives still continue to make collection attempts. How do I stop this harassment?

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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