BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for TransUnion and XXXX has No date reported. 
The date of last activity for TransUnion XX/XX/XXXX, for XXXX XX/XX/XXXX, Date reported for TransUnion XX/XX/XXXX, and XXXX XX/XX/XXXX Date opened for TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX Closed date for TransUnion XX/XX/XXXX and for XXXX there is no date at all. 

XXXX XXXX Last verified by TransUnion XX/XX/XXXX, XXXX no date, XXXX no date, Date of last activity TransUnion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, The date opened is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Balanced Owed is inaccurate TransUnion {$5900.00} XXXX {$5900.00}, XXXX {$6300.00}, Creditor Type : TransUnion has XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Used this is inaccurate. 

Last Payment is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Term Length TransUnion 62 month, XXXX 62 months, XXXX has no term reported, Last payment TransUnion XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX Past Due Amount : TransUnion {$1500.00}, XXXX : {$1500.00}, XXXX : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You

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 2016-09-07
Company: Caliber Home Loans, Inc.
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Being over charged for escrow payments. Have request reanalysis for escrow 3 times. 
What is being paid by escrow for the year. XXXX insurance. XXXX taxes XXXX pmi for the year. total XXXX a 2 month cushion of XXXX. The yearly amount needed including a 2 month cushion is XXXX which comes out to XXXX a month. My current escrow payment is XXXX it should be XXXX There is not an escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried to communicate with equifax regarding my credit report. They have so much missing and outdated information on my report and it is causing my cc companies to lower my limits. They are saying I have no real estate loans, car loans, credit cards or any debt at all. I have real estate, car loans, and credit cards which is not being reflected on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, 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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a checking account with the Citi Bank for many years and it was my main checking account. 
it means all my pay checks and income has been direct deposited in this account for many years and all my mortgage and credit also set up to pay from same checking account. 
for some unknown reason they decide to close my account and even after I asked them for explanation regarding their decision, but they refused to provide any information. 
I understand that they have right to refuse service to anybody, but my problem is the my money that has been blocked on that account and they are not releasing my funds and i don't have any access to my fund and it cause me too much problem with paying my house mortgage and car payments and even paying my utility bills and all other day to day payments such as credit cards and so. 
the total available balance in my checking account at the moment is {$18000.00}, but as i said they are not releasing my fund and it cause me big problem and it will damage and has unrepairable effect on my credit score and everything else. 
I already tried to talk with them several times and, they only said " this account is closed and you will receive your fund within 60 days '' when i explained my problem for them and asked them to expedite the process for releasing the money the hang up the phone. 
here is the account information : Bank name : Citi Bank Routing NumberXXXX Account Number : XXXX I already told them that they are responsible for any damage and problem that could happen for me regarding my financial status. 

I need you to help me with this big concern before it is getting to late. 
thank you for your understanding and help in advanced. 

XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NJ
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # XXXXXXXX  Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was never late it was in deferment. 

In accordance with the fair credit reporting act XXXX Account has violated my rights XXXX5 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Navient : account number XXXX. Dates : XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Investigation took more than 30 days

Complaint:
Sent letters to XXXX, Transunion, and XXXX to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, Transunion, and XXXX have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
Thank you.

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 2023-04-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Synchrony Bank XXXX XXXX ( account # ending XXXX ). On XX/XX/2023, I went through my card statement and discovered a fraudulent transaction : a merchant that I had previously purchased from but subsequently cancelled charged my card again on XX/XX/2023. The merchant is XXXX. The charge is for {$39.00}. When I try to log in to XXXX, it tells me that my account no longer exists ( see Exhibits 1 and 2 ), confirming that the charge was unauthorized. I immediately attempted to contact Synchrony Bank via phone- which was extremely difficult in the first place - the phone number is not readily accessible. I had to listen to several minutes of automated information about my account, which I had not asked for. Finally, when I was connected to a human, representative took down my details, then told me I would have to be transferred to another department. After waiting on hold for 30 minutes, I was hung up on. Evidently, this is Synchrony 's way of deliberately preventing reports of fraud on the 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 monetary relief
Consumer complaint received 2023-06-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I received an alert stating my overall debt increased by {$81000.00}. I checked and found out that Equifax is the only one reporting an " additional '' student loan from XXXX XXXX XXXX for {$81000.00}. It just appeared out of no where. The information is a match to an XXXX student loan that should have been deleted due to bankruptcy. They are showing BOTH on my credit and I now have student loan debt of almost 200k. I called them and no one could provide me with a valid number for XXXX XXXX. I called XXXX XXXX and they don't have a number and so here I am with almost 100k of new debt and no one can give me answers. I called XXXX  and they are upset about me including them in the bankruptcy and Equifax will not remove them from my credit even though they have the bankruptcy papers. This new debt appears to be a replica of the other loan ... just under a new name 1. Both opened XX/XX/XXXX 2. both high balances of XXXX But the notes are different. On this unidentified XXXX XXXX XXXX it states : Consumer disputes after resolution Student loan - payment deferred Fixed rate Student loan - payment deferred Account in forbearance How? I have never disputed to have a resolution after the dispute and the payment isn't deferred. My XXXX loan is in forbearance until my lawyer can have a judge make them remove it based on the Federal Courts Judgement. The notes on the XXXX loan are : Student loan - payment deferred Account in forbearance My issue is Equifax ALWAYS reports INCORRECT, DUPLICATE or DELETED information on your credit report and when you call them to point out their error ... .they make you do a 30 day dispute for their error and something that shouldn't be on your credit anyway. Last time they ( Equifax ) put  items from a 12 yr bankruptcy back on my current credit report due to a misunderstanding on their end of documentation I sent in. It is unnecessary stress, disrupts your life, ruins plans, wastes your time and messes with your credit score ... all due to their mistakes or employee mistakes. It isn't fair to me. This is their 4th time just putting incorrect information on my credit report. I have also asked them to delete the notes off my XXXX loan and they continue to lie and say it is done. They need to delete this and the XXXX XXXX XXXX account immediately. That isn't my account. I have attached my credit report and supporting documents for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check # XXXX funds ( principal, interest, Escrow ) applied, and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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/22 I purchased XXXXXXXX XXXX XXXX XXXXXXXX. The item arrived damaged and not as described. I immediately contacted XXXX XXXX, sent them photos and asked them for an address to return, They declined my request. I then submitted the request to return the items a XXXX time, XXXX XXXX again declined to accept the return. I then opened a dispute with Capital One for the total amount of {$46.00}. 

Capital One then sent me a link to send a photo of the damaged item, I did so on XX/XX/22. I confirmed that they received the photo and confirmed that the dispute would remain open. 

Then on XX/XX/22 then mailed me a letter saying that they were closing the dispute. On XX/XX/22 I called Capital One and went over the matter with representative XXXX, who was no help at all. 

I got my new statement today and they re-billed the charge in the amount of {$46.00}. 

The bottom line is that I am not paying for damaged goods, The merchant will not accept the return and there is no other recourse than to go through Capital One. I am still happy to return the items but have no address, XXXX XXXX will not provide a return address. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today, XX/XX/2023 at XXXX Central Time, I received a phone call from " Chase Bank XXXX at caller ID XXXX with an individual claiming to be from Chase XXXXs Fraud Protection department notifying me of fraudulent activity, a charge of {$2600.00} to XXXX XXXX XXXX XXXX XXXX a Chase credit card account in my name. I did not make this charge, and no one in my family or other authorized person would have made this charge. I am also not entirely clear if I have any credit accounts with Chase, but I don't think that I have. I do have a XXXX XXXX in-strore credit card that I think is managed by Chase, but no other cards that I am aware of. 

They said that they were declining the charge, and then asked me to provide information about any other credit card in my possession in order to verify my identity. They did read out to me my home address, which was an accurate address. 

I became suspicious that they were asking me to provide card numbers/details about my " other '' credit cards, in this case I had an XXXX XXXX XXXX in my possession. While I was suspicious about this call and the request for information, there were elements that seemed correct and I did read out my XXXX card number and last XXXX digits of social security number. When they asked me to read out the XXXX digit security code of my XXXX card I did not provide that, and I stopped providing information. 

I then called XXXX and cancelled my card with them. 

The original caller also gave me his name - XXXX XXXX XXXX from Chase, a XXXX Security Analyst. He also gave me contact information for the FTC 's Bureau of Consumer Protections, which is how I found my way to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
See attached documents for complaint and explanation. The companys response are complete lies. Check the XXXX  about this company and how they do business. There response is false and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan on their website after they have sent me hundreds of messages to me promoting their personal loans. When I applied for the loan today ( XXXX ) they denied me the loan citing the following reasons : Recent number of payments too low Lack of mortgage trade history on file Too many inquiries in the last six months The top most reasons makes no sense. 

What kind of payments are they talking about? How many is too low Lack of mortgage history. I have had three mortgages in my life. All of them have been paid off successfully They gave the following information about my credit score Your Credit Score : 808 Date : XXXX Scores range from a low of 300 to a high of 850. 

I am assuming that this is the credit score that they used to make decisions. If that is the case, 808 seems to be a pretty high score If not they should tell me what type of score this is. What is the point of giving me a credit score that seems to have no connection to the credit decision? 

I think Goldman Sachs is violating a bunch of FCRA / CFPB / FTC rules in denying me credit. 
After I was denied credit, I XXXXXXXX XXXX to see if there are any complaints. I saw a few news items that suggest that XXXX has stopped making personal loans. If tat is the case they should not have accessed my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
I do not agree with the reporting of these late payments and I would like them to be remove led.

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