BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: UMPQUA HOLDINGS CORPORATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i live in a home which my XXXX and i inherited from my parents via a living trust, years ago my parent took out a home equity loan which i have been paying through a checking account that my sister opened ( loan payment automatically deducted ) recently my sister passed away, the funds in the checking account will be reconciled between my brother in law and myself, however when i approached umqua bank of XXXX, Oregon to apply for a review to be named " successor in interest '' as allowed by the garn-st Germain act and CFPB amendments to RESPA and TILA the manager/loan officer told she could not talk to me without court order, when i attempted to provide her documentation about the federal laws mentioned previously she pushed the documentation back across her desk and refused to view them, when if she could call someone with more experience in the matter, she said she would not, i am concerned that the loan payments are not being paid due the checking be frozen upon my sisters death, i do not want my house to go into foreclosure, i have submitted complaints with umqua bank, XXXX and the XXXX. Thank you for your consideration, the events above happened 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
Consumer complaint received 2022-11-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Took out an initial line of credit in XXXX of XXXX, on a Home Depot credit card, for a home improvement project. Was told that the credit would be 0 % interest, for 24 months. 

Was charged {$700.00} in interested in XXXX, XXXX. 

Called Home Depot credit card company in XXXX, when I realized and asked for it to be fixed. Was assured it was their mistake, and would be fixed, to wait for credit to appear. 

Was never credit, and interest kept accruing. 

Called again on XX/XX/XXXX, and was told again, it was a mistake, and would be credited. Call was disconnected and called back. 

Made a second phone call, and was told I would need to have a store manager call to verify that I was offered 24 months interest free financing. Called store manager and waiting now to hear whether issue is resolved.

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 2023-11-14
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld Systems Inc reported a collections to the credit bureau. When I got my credit report, I contacted them on XX/XX/23 to request validation of the debt and to dispute the debt since it was fraudulently created. XX/XX/23 I contacted Transworld Systems again, on a recorded line, and they advised that they have not sent me any of those documents and that they will not be sending me those documents. They told me that they are only collecting as a third party on behalf of XXXX XXXX XXXX, and that they are waiting for XXXX XXXX XXXX to report directly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was put in to forbearance a few times over the years without anyone explaining that interest is still applied ot the account. While they were happy to help me short term, no one thought to tell me what would happen later. Ive had wages garnished, and through all that, the amounts owed really never went down. I'm stuck in a loop here. I havent made any payments in a while, and loan payments are supposed to be frozen but my credit report goes up and down and these loans are listed as part of the issue. 

I can not afford to pay these loans. What do I do??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2023 my CashApp account was closed without warning. Ive been reaching out to the company to try to resolve this issue however, every time I access their customer service number, Im told they can not discuss the account with me and I have to contact them through the customer support chat. When I try to contact someone through their customer service chat they tell me they can not help me and I have to wait on an email from CashApp to resolve. Ive been checking my email account and have not had any communication with CashApp about my account since they closed it unexpectedly. I get this same message each time I reach out for help with my account : You will be receiving your update via email. The response times for our specialty teams may vary on the volume of support requests at that time. I'm unable to confirm any concrete time frame, but I assure you that our team will be in touch with you as soon as they have an update on your case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting a charged off account on my credit reports that is reporting multiple inaccuracies. I have been disputing this account for some time with each credit bureau as well with XXXX directly and have not reached any type of resolution. They have not sent me any documents concerning this debt and they are reporting and validating different information with each bureau. It is the responsibility of the consumer reporting agencies to report accurate information and they are in clear violation of my rights as a consumer. Each bureau is reporting different past due balances, last active dates and last payment dates. If all credit bureaus get their information from the same place how is it they are all verifying different information for the same account? I am requesting that this account is deleted from my reports now!

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 2022-02-15
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
So over a year ago I was told by the IRS that I had my tax refund going into a certain account they gave me the routing number they gave me the account number and they also gave me the phone number to American serve OK Ive called them repeatedly about at least over XXXX times to get this settled in XXXX the IRS contacted American serve sent them a letter of XXXX and I still havent received my funds I was told by American serve within XXXX days after the letter of XXXX that the funds will be sent back to the IRS and the IRS will

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Alabama Housing Finance Authority
State: MO
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:
Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. To my understanding compliance with the CARES act would required XXXX to remove the late payments from my credit report for XXXX, XXXX, XXXX, XXXX, XXXX and XXXXXXXX XXXX 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 2023-02-04
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
credit compaines are not providing info to provide that verification was verified nothing has been sent to me in written form. never explained how was update just believe it's violation to FCA laws

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 2023-11-27
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discovery XXXX {$1500.00} This item is reporting inaccurate on my report and needs to be blocked and removed immediately Ive spoken with several associates in the fraud department and no one can prove or verify and accounts belonging to me. 

Discovery- ( XXXX ) XXXX-Fraud Department XXXX XXXX Az ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: CA
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/23 Received email ( attached ) from Chase of suspected fraudulent charges. 
XX/XX/23 Received emails ( attached ) from XXXX XXXX with fraudulent order information. 
XX/XX/23 Called Chase to confirm the transaction was fraudulent and unauthorized. Chase issued temporary refund, cancelled card and sent out new card. 
XX/XX/23 Letter issued ( attached ) that they were investigating fraud. 
XX/XX/23 Letter issued ( attached ) that I am responsible for fraud charge. 
XX/XX/23 Called to discuss their investigation. Someone was supposed to contact me within 4 business days. Never received a call. 
XX/XX/23 Contacted Chase again to discuss their investigation. They let me know they would send documents identifying how they determined it was not fraud. 
XX/XX/23 Filed police report ( attached ) with XXXX XXXX Police Department. 
XX/XX/23 XXXX was issued showing how they determined I was responsible for fraud. 
XX/XX/23 Emailed Chase copy of police report. 


The letter Chase provided only shows email from XXXX XXXX with order information. There " proof '' that I purchased this item was that the name, phone number, email address and billing address matches what is on file. I stated this is all public information and is not proof I made purchase. Best Buy/Chase failed to cancel transaction, failed to ask for CVV, failed to check government issued ID at time of order pickup and failed to check for card using to make purchase at time of order pickup.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: London & London
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice from London & London stating that I owe an alleged debt to XXXX XXXX XXXX XXXXXXXX I replied to London & London as shown in the attachments that I have included with this complaint. London & London did not reply to my request but instead violated me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: OH
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX XXXX XXXX Date opened XX/XX/ 2017 Balance {$940000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Argolica, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In accordance with the Trial Period Payment Agreement signed XX/XX/2021, XXXX XXXX XXXX XXXX is in violation of this agreement. This is formal notice of violation of said agreement. Refer to page 2, bullet point one. 

" Any pending foreclosure action or proceeding that has been suspended during the trial period may be resumed if you are notified in writing that you failed to comply with the terms of the trial period plan or do not qualify for a permanent modification. You will receive notice at your normal mailing address for receiving notices from us. '' Resumption of the foreclosure action was to take place if proper notice was given, yet XXXX XXXX resumed such action without sending proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX .... Balance : {$540.00} ; XXXX XXXX .... 
Balance : {$17000.00} ; XXXX  XXXX .... Balance : {$6900.00} ; XXXX  XXXX .... Balance : {$5400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-11-24
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA 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 am currently behind in my mortgage and I am trying to sell the home. But it is liens on the home. The house was in foreclosure so to stop the foreclosure I had to sign some papers that added XXXX more to my mortgage. I had no choice. Now I have a offer but the offer does not cover the new amount and the liens. I have asked for a short sale once before and the liens would not accept less. Here we are in the same position. I feel the mortgage company is trying to make this house go into foreclosure again so they can take the house. I have tried everything I can to sell this house. But they refuse to go down on the price of the house. Or at least honor the original price so the house can be sold. I will not get a dime out of this house. And I am okay with this. I just want the house sold. But no one wants to work with me. This house has ruined my credit since covid. It's almost year later and I can not get any assistance with selling this home

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