BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a conventional loan with Caliber Home Loan. I have never been late or missed a payment. I began the process of refinance around XX/XX/XXXX. I submitted proof of income, 6 months in reserve using savings & retirement ( XXXX & Deferred comp ). 

I spoke with 2 loan officers. 1 stated, I needed a PMI, 2nd officer stated I would not qualify for a refinance that would include paying off the 1 credit card balance ( XXXX ) I received a conditional letter of approval for an amount that I latter found out was for a refinance w/o out paying off the credit card, and the new monthly payments would only be a {$50.00} savings. Neither loan offers was aware that I received the conditional letter. 

This is not my first mortgage experience with this organization, but this has been the Worst. Both officers provided contradictory responses. 

I have been told that because my house value was not high enough over $ XXXX ) that I do not qualify because of my XXXX debt which is XXXX in under a Administrative forbearance. 

I submitted proof that when the Administrative Forbearance is over my payments will not be 1 % of the loan ( $ XXXX ). My payment have Never been {$940.00}, I have always applied for a IDR. 

This complaint is being written because of the confusion. When I initially applied for the refinance, it was because I received an email stating that there would be no lending fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Receivable Management Group, Inc. (GA)
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX. XXXX ( presumably the date of service since this is the only thing I've been sick from. Turns out strawberry XXXX ) I had an XXXX  as an XXXX treatment for extreme stomach pain and the inability to eat or drink. I have good insurance and have not allowed anything to become delinquent or late or anything else. I check my credit through XXXX  XXXX weekly as maintaining good credit is very important to me and up until the following point I have zero collections zero negative anything period on any of my credit reports. Within the first 8 days of XX/XX/XXXX I checked my credit and found that my credit had a derogatory mark from receivable management group tagged with XXXX XXXX. I called XXXX radiology and was transfered to receivable management group. Where I was informed a XXXX dollar charge i had never been informed of was never paid out of thousands of dollars of services all of which had been paid, and was somehow seperate from the other charges and that I had accrued the debt had risen to XXXX. Insted of calling and asking to be paid XXXX XXXX sold the debt and once again instead of simply calling me so I could know that I had a simple small debt to pay receivable management group placed it on my credit as delinquent. I was never billed, never called, no letters, and the charge never showed up on mycharts which is how XXXX regional and affiliates communicate with patients including debts. I paid the XXXX to receivable management group with the agreement it would come off of my credit. The account is still on my credit to this day and still I have recieved no letters calls or any communication of any type concerning any debt or validation. My address has not changed in years nor has my phone number or email address. All of which XXXX XXXX system has.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: U.S. BANCORP
State: PA
Product: Credit 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 disputed additional charges to my Philadelphia Federal Credit Union credit card for a stay at XXXX XXXX from XX/XX/23 - XX/XX/23 for {$130.00} and {$210.00}. 

The credit card bank resolved my dispute in favor of the merchant without verifying if this documentation they sent as proof was valid. The merchant states on their documentation Booking.com. I did not reserve my stay through XXXX. I made my reservation in their website. 

After explaining this to 2 representatives at the credit card bank, I received a call from the supervisor. The supervisor was very unprofessional and yelled at me during the call. I was treated unfairly as a customer. She then said her team made a mistake when they told me that the merchant used XXXX to confirm the charges and when they sent a print out showing the merchant stated booking.com on the receipt. 

If this was a mistake, how did the credit hard bank get the receipt with booking.com on it and mail it to me? I dont think they wouldve made it up. 

You will see the original receipt for my payment in full prior to staying at XXXX XXXX. You can see the difference in pricing. XXXX used my signature from when I arrived on XX/XX/23 to look like I agreed to the additional charges. If you notice, there is no signature for XX/XX/23 when I checked out. 

Also, there is no date stamp to show when their documents were printed. Only the dates from their booking system that they can change at any time. However, there is a date stamp on my documents from the printer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am having an issue with Transunion deleting an account by the name of ( XXXX XXXX XXXX XXXX {$100.00} or {$100.00} ) that does not belong to me. The other credit bureaus have done their due diligence and investigated and removed 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2021, I received an email from Marcus congratulating me for a new CD account. I called Marcus customer support immediately as I had an old CD account expiring in XXXX and I do not wish to have a new CD. The agent informed me that I was 3 days too late and the CD has already been automatically renewed into a new CD with uncompetitive interest rate under the terms and conditions when I opened the old CD account. I told Marcus that there was insufficient disclosure from Marcus when the old CD was expiring in XX/XX/2021 that it would get automatically rolled into a new account, and this is clearly a UDAAP violation to deceive customers into opening a new account without informed consent. After escalating to customer support manager, I was told that Marcus considered that it was sufficient for them to only include this clause in their terms and conditions when I first opened the CD account a year ago and they did not need to disclose it at the time of CD expiration. I was told by customer support that I would be charged ~ {$19.00} early withdrawal penalty. I consented on the phone of account closure and told them that I disagreed with this fee and would file a CFPB complaint for insufficient disclosure and fees by Marcus on automatic renewal. In addition, Marcus also did not send me any receipt of the early withdrawal penalty it charged my account as the CD account disappeared from its website after closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: FC HoldCo LLC
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 status incorrect

Complaint:
I purchased a vehicle in XXXX of XXXX and when the pandemic hit i was out of work in XXXX. The loan company helped me with 4 deferrals and the payment for XX/XX/XXXX was reported 30 days delinquent on my credit reports. I was had on in communicating my financial concerns and I was told multiple times that due to the pandemic they would not report over 30 days late. 
This is not what took place. And I haves called and emailed complaints about the 30 days delinquency on my Crefit report and have asked to have it removed and its has not.

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 2023-10-27
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XXXX XXXX XXXX I attempted to transfer a balance stored in Venmo to my checking account. I had a balance of {$1400.00} at the time, and since I am an international student and do not have an SSN, Venmo only allowed me to transfer {$990.00}, and I was not able to use the instant transfer feature which has a faster arrival time. So I had to initiate a standard transfer for {$990.00}. Venmo gave an estimated arrival time of XX/XX/. However, on XXXX XXXX the money still had not arrived. I tried to contact Venmo to find out why, but they simply told me that the money was " pending review '' and did not give me any reason as to when my money would be in my account. As I am an international student with no job or means of support, this money is very important to me. I will not be able to cover my living expenses. I feel that Venmo 's unexplained delay in transferring the money has caused me a great deal of distress and is unethical for a company to do so. Therefore, I would like to seek help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Remex, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
REMEX INC MEDICAL DEBT COLLECTION in the amount of {$600.00} Original creditor is XXXX XXXX XXXX at XXXX Opened on XX/XX/2022. 

I never received any documentation or written notice regarding this debt collection. I found about it today when it showed up on my credit report. This is adversely affecting the interest rate on my student loans - I had a near perfect credit score of XXXX with XXXX that is being damaged by this unlawful collection. They did not fulfill their legal obligation to notify me in writing before marking the collection on my credit report. I immediately disputed the charge with XXXX and XXXX. When I called them to find out more and request an itemized bill or any form of written documentation, they claimed they had already sent it in XX/XX/2022. XXXX of XXXX XXXX was extremely rude and accused me of lying. I am also filing a complaint with the XXXX. I dispute this charge in full it is unlawful, unprofessional, unwarranted and disgraceful. My credit score is essential for me as a young XXXX  looking to enter the industry and this is damaging my financial future. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report in smart credit and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXX XXXX  I believe it was reported in error. 
XXXX XXXXXXXX Balance Owed : 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 2023-10-27
Company: M&T BANK CORPORATION
State: DE
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 have been a long-time standing customer with M & T Bank and it wasn't until 2023 that I have faced immense financial hardship due to this financial institutions inability to protect my information and my funds. I have had several insufficient funds and related fees applied to my account without my knowledge and lack of posting to my mobile banking. I've continuously reached out to obtain relief and I only receive rude/short responses leaving me helpless and still without my money. I am in a constant negative because my request for overdraft protection never applied to my account. I even confided in a third-party debt consolidation company who equally withdrew more funds from my account and also advised I would not be getting those funds back ( which has since been resolved following submission of a previous complaint ). I am DROWNING here and am BEGGING for help. These financial institutions are killing me and my money is all going to fees and it's NOT RIGHT! I make good money and have been trying to get back on track after a ripple effect of non-stop loss of my hard-earned funds. I have a family- this is NOT ok. SOMEONE PLEASE HELP ME!

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 2023-10-27
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/ I filed a dispute with chime bank for a purchase. In the midst of the dispute I spoke with the company that purchase was made with and they issued a refund. Chime denied my dispute and did not release my refund. Chime stated that the company did nothing wrong. I was told I was filing rebuttals to the dispute to overturn it to get the refund but chime would only send the original dispute form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: DISCOVER BANK
State: OH
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 noticed that discover was reporting an account that i did not open. Upon calling they were not able to assist me as the account was from 2016. Additionally, they told me that they could not help with the correction information to my credit report as they do not delete information. I would like for them to review this information and remove it from my credit report as it is not mine. I have never had an account with them and did not give anyone authorization to use my personal information to obtain a credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have repeatedly requested PROOF that I contracted with XXXX XXXX XXXX and violated a contract. They have not provided this information and continue to report on my credit report that I owed XXXX XXXX XXXX. I never owed XXXX XXXX XXXX  and demand deletion of this erroneous reporting according to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. My next step is to take legal action in regards to this clear violation of the federal article.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 2022-11-18
Company: Experian Information Solutions Inc.
State: IN
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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