BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. 

re-aging is a violation of the FCRA

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 2022-09-17
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONLINE Information Services XXXX ONLINE Collections has reported a collection debt under my name and home address for an energy bill on behalf of XXXX XXXX. I have filed a XXXX  complaint against XXXX XXXX. 

I have attempted to resolve this with each of these companies to no avail or assistance on their part : 1 ) the home address referenced in the debt collection ( my home ) can only be serviced by XXXX XXXX XXXX XXXX  for gas energy, and XXXX for electricity services. There are XXXX options to use other companies for service such as XXXX XXXX. 2 ) I reported to them that there is identify theft with the use of my name and address. 3 ) Furthermore the address XXXX XXXX reported on the debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an address I have never lived at, never lived in Texas and have lived in California all of my life. 4 ) ONLINE collections XXXX ONLINE Information Service has fraudulently transferred a collection debt to a consumer in XXXX in spite of receiving the XXXX XXXX from the original debt collector. ONLINE repeatedly lied and repeatedly reported the debt with false information that they verified my address and name with the reporting debt agency. They knowingly perpetrated fraud against me, and probably all consumers with the name XXXX XXXX across the country to collect funds from consumers fraudulently. 

Both companies continue to report these fraudulent charges to my credit reports. Both companies need to make corrections on my credit report. 

ONLINE Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( ONLINE Collections is not listed on the XXXX XXXX which is why I am filing the complaint with your agency ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed in the XXXX XXXX  and I have filed a complaint against them with XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/19 I contacted capital one about funds I deposited into this account that is now being held due to Capital one not being able to verify me. 

If CAPITAL ONE have all of these technologies to verify someone identities than they need to do so prior to allowing someone to get approved and allow them to submit money into the accounts just for them to hold people money is wrong. 

They stated they wanted me to contact the SSA to verify my ssn. They asked questions regarding me, they sent codes to my phone to verify me to still tell me Im not who I say I am and just hung up. 
I have XXXX thats is being held. I asked them to release my funds and close my account The continuous treatment this company display is horrible and due too that I no longer want to hold an account with this company I want them to release my funds immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been trying to make my XX/XX/XXXX  mortgage payment for weeks and this company has been impossible to get a hold of. 

I'm under a XXXX  XXXX bankruptcy so Loancare LLC took away all access to their online portal and online payments so I have to call in each month to make my payment but they're making this impossible. Also due to bankruptcy, they no longer send me any account statements. I have no information for my loan. 

On XX/XX/XXXX, I called them 3 times and received a recording stating " if your receiving this message during normal business hours we're sorry '' and then the line disconnected. 

This same thing happened again on XXXX XXXX too. 

On XXXX XXXX I called and was greeted with a recording stating they are " experiencing a security event and are unable to take calls '' and then again, the line disconnected. 

XX/XX/XXXX, still trying to make this payment, I call in again and am greeted with another recording saying that agents do not have access to any loan information at this time. I waited for 20 minutes to talk to somebody before I couldn't wait anymore. 

This is ridiculous and impossible. I'm just trying to make my payment before its 30 days past due but this company is not giving me any chance to do so. 

No information about this security event is available as their entire client facing website has been down to even try and get information from. 

As a consumer I deserve to know what this security event was as it clearly is impacting me. Is my identity safety at risk? I also deserve a REASONABLE way to make my payment. I will not wait on hold for hours especially when they don't even have access to any loan information.

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 2021-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 there is an unknown check that was posted to my account with funds of over {$3000.00} were withdrew in error. I called the bank as soon as I noticed the transaction and after being on the phone for one hour, they acknowledged that it was a mistake on their part. That the funds would be back into my account within 10 days. I requested the funds to be back into my account within the next day and the banker indicated that the funds should be returned in an hour.

This morning the funds were still missing from my checking account. They again confirmed that it was their mistake but that it would have to be processed through their claims department which may take up to 10 days. I requested that my funds be returned to me within the next day to pay my bills. There was no resolution after I spent 2 hours on the phone and was transferred 4 times to different bankers/supervisors at the " executive '' level.

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 monetary relief
Consumer complaint received 2023-09-29
Company: Credit Karma, LLC
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, I tried to access my Credit Karma Money account. Credit Karma refused to allow me access to my account, despite my providing them with pictures of my drivers license, social security card, and birth certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2022 ) I sent a letter regarding inaccurate XXXX 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 XXXX 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 2023-11-29
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My loan has been transferred to another Leander. The new lender does not answer or return repested phone calls or emails.

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 2023-09-29
Company: EQUIFAX, INC.
State: MN
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:
PLEASE REMOVE THIS ACCOUNT, IS NOT MINE XXXX XXXX  XXXX XXXX Date Opened XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: SUNRISE CREDIT SERVICES, INC
State: HI
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:
They put this debt on my credit reports this month out of clear blue no letter no account number of any sort, and they place this account on my XXXX, XXXX, XXXX. And there is no account and no amount due. This account is identity thrift on my credit file 's from this creditor. And need to be remove ASAP on all three 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 explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX inquire date XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX  inquire date XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX inquire date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Transunion is reporting unauthorized inquiries on my credit report

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 2023-08-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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.

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 2022-03-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company was Rushmore Loan Management Services. During the pandemic we applied for the forbearance assistance plan. We only used the plan for the month of XX/XX/XXXX. We continue to paid our mortgage on a monthly basis after that. I have proof that payment were made. In XXXX they sold out mortgage to another company The XXXX XXXX and now they state that we owe them about {$8000.00}. I have reach out to Rushmore and XXXX XXXX XXXX  and none of them want to help me get this straight and get my account current. I made a payment in XX/XX/XXXX {$4900.00} to XXXX XXXX XXXX. I need assistance to get this square. I am not afraid of losing my house because I have paid every single month. Please if some one can help me. This is a very sneaky way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: OPTUM BANK, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I wrote a check to my doctor 's office against my Optum account, which had sufficient funds. My doctor 's office informed me that the check was returned unpaid, and assessed a { {$30.00} } returned check fee. I reached out to Optum three times, asking them to reimburse me for the fee, which was caused by them. They advised that they stopped honoring checks against Optum HSA accounts, but they never gave me notice of this. They have refused to make me whole despite failing to honor my check. I have attached messages with them attempting to resolve this, but they made no meaningful effort to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is my third complaint to the CFPB about my Citi Prestige card. In addition to my previous complaints, my card was cut off for " fraud '' reasons today. While it is noble to combat fraud, I was given no indication that this was the reason the card was declined. Instead, I had to call to ask why my card didn't work and answer a number of prompts with a fraud robot, then I was allowed to go through their automated system which makes it incredibly difficult to get to a human, enter all my information again, then got to the agent and she didn't have any of my information, so I had to provide it again. A complete waste of time. Now, I don't even know when I can and can not use my card. The woman I spoke with made it seem like it's some mysterious " system '' that decides when your card gets cut. Not a thing a person could do she claimed, even though this " system '' was created by humans and can be fixed so it functions properly like at other banks. And I was provided no notification there were fraud concerns until I called. She claims they come - eventually. I haven't received one as of the writing of this message. So they are so concerned about their customer experiencing fraud that they cut off their credit cards but don't tell them? What if this was a person 's only form of payment? Now I have no idea when my card will work and customer service couldn't provide any guidance on this mysterious " system '' that cuts off your card when you go to pay a phone bill. As I've said in my previous complaints, this card is marketed as " premium '' but it is trash. You can't even easily access a competent customer service agent - XXXX today told me that my annual fee wouldn't be billed for a year. I had to correct him that it would be billed next month, then wait on hold while he verified I was correct. You have a unit dedicated to this premium card and they don't event know when the annual fee is due? It's a joke.

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 monetary relief
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$1500.00}, {$1300.00}, {$4400.00}, {$2100.00}, {$1800.00}, {$0.00}, {$6400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


-- AUTO LOAN OR LEASE -- 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my 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 explanation
Consumer complaint received 2021-06-11
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New Rez LLC mortgage servicing took over from my previous company, XXXX XXXX  last fall. The insurance payment from escrow was due XX/XX/21 and has yet to be paid. My XXXX XXXX representative, XXXX XXXX of XXXX XXXX, AZ has faxed them a bill and also called, to no avail. They gave me over a month 's grace period and yesterday I paid the insurance to keep it current. It is now over 5 weeks since this process started and still New Rez hasn't responded. I have my mortgage payment on automatic payment and have not missed a payment. They are regularly collecting the escrow but are not dispersing it. I don ; 't know yet of they have paid any taxes or that will also fall to me. This can not be legal or ethical, to collect escrow and not disperse it. 

New Rez : XXXX XXXX XXXX, XXXX, MI XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York 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