BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 2023-05-05
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Between XXXX XXXX, 2023 and XX/XX/2023, a new account in collections was added to my report. The collection agency is CREDENCE RESOURCE MANAGE. The original creditor was XXXX XXXX XXXX XXXX. 

I just got a notification alerting me that my credit report has changed and a new collection has been added to my file. from what i understand it was originally a debt owed to " XXXX XXXX ''. I know this is fraud because I have never opened up an account with them. I am dumbfounded that this is even happening. I have not contacted the collection agency. this " complaint " is my first step in trying to resolve this. 
it is not fair that something like this can happen and i had no knowledge of it. 
at the very least i should of been contacted about this debt before it was given to a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XX/XX/XXXX, I purchased a mattress from a company for {$2900.00} and financed the entire amount through Affirm ( order # XXXX ). The product ended up not working out for me and the original company processed my return and refund on XX/XX/XXXX. I returned the product to the original company shortly thereafter. AFFIRM did not acknowledge my right to a refund until XX/XX/XXXX and I received an email that my refund would be send via mail to my address on file and should be received in 30 days or less. After 30 days, on XX/XX/XXXX, I contacted AFFIRM via their online Support Chat service about the status of my check, as I had not received any mail from them in the past 30 days. I received a response on XX/XX/XXXX and was assigned case number XXXX. I was asked to confirm the address that they had on file for me on XX/XX/XXXX and it was correct. I have asked repeatedly for updates from the Accounting department via phone and online Support Chat but for the past month have been assured they are investigating and will reissue my check as soon as possible. On XX/XX/XXXX, I received the response that they were unable to put a stop payment on the issued check and as it was apparently cashed on XX/XX/XXXX, they will NOT be re-issuing a refund. I have NOT even received the check from them and in addition, they are claiming that the check in question was cashed an entire month before they supposedly even mailed it to me. I have requested a front and back copy of the issued check to confirm the endorsement but they have been unable to supply the results of their investigation and I am still out {$2900.00} for a product returned months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am going through a difficult divorce and currently residing in the home. There was XXXX XXXX and I have a XXXX XXXX against my spouse. He has completely stopped paying the mortgage for over a year and I was in a covid forbearance prior to roundpoint taking over our loan. I was under the impression that I was still covered. Then I found that they'd not only took me off the program but were piling on pass due fees and I was months behind. Then they told me they'd work on a loan modification. I was told it was done and I could pay it. I was ready to begin doing so. Then they back peddled and said never mind the loan is still being processed for a modification. All the while I am told to wait and not pay anything. My account is locked up so I couldn't even if they said it was all well. They won't fix my account so I can pay it. Then I receive an attorney letter stating that my house is in foreclosure!

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 2023-09-27
Company: EQUIFAX, INC.
State: NE
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Issue : Mortgage Company will not establish a new loan to accept my payments and will not communicate with me on how to resolve issue. 

On XX/XX/2019 I was closing on a refinance of my home with my original loan service " Lakeview Loan servicing by XXXX  ''. Upon signing I found incorrect information one item was a simple fix of an address. The other item was an incorrect amount of {$250000.00} listed as " Amount of Mortgages and Liens '' and {$1500.00} " Mortgage Payments ''. I question the amounts as originally I purchased the house for {$200000.00} and at the time of refinancing I owed approximately {$190000.00} and paid a mortgage payment of approximately {$1300.00} a month. The representative at closing was not able to help nor reach anyone available to help. I refused to sign the paperwork with incorrect figures as this is a legally binding document and failed to close. On XX/XX/2019 I submitted to cancel using my " Notice of Right to Cancel '' paperwork that was given to me because my loan officer, XXXX XXXX XXXX, would not provide clear directions on how to correct this paperwork nor would he send corrected paperwork for me to sign. The loan was cancelled and Mr. XXXX promised to make it right by refinancing at a lower interest rate vs. me leaving to find a company more keen on details. After a few months the second refinance was never submitted by my loan officer and my original loan was paid in full even though the first refinance was cancelled. Mr. XXXX ignored emails and forwarded them to XXXX XXXX a loan processor of XXXX XXXX XXXX XXXX XXXX on behalf of Lakeview Loan Servicing NMLS # XXXX to which no resolution occurred. I have attempted to contact Lakeview customer service multiple times but that also did not provide a solution, customer service responded with " We must have sold your loan ''. I have not received any notices from any other company for servicing my loan. For the last 8 months the company will not take any payments as it shows both my original loan and the failed refinance loan as paid in full.

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 2023-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending these Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-08-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 explanation
Consumer complaint received 2023-07-22
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Saturday XX/XX/XXXX, BBVA attempted to transition my Simple Banking account into a BBVA mobile banking account. This had been announced for months and was assured through emails that all banking information would remain the same, I would just need to create a new login. Since the transition I have not been able to login to view any account information, nor use my debit card, or have any access to my funds. BBVA stated they would open up customer service on today, Sunday, XX/XX/XXXX to help deal with the transition. Every time I call in to the customer care line, the call is either disconnected or the customer care representative acts like they can not hear me and promptly hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my mortgage as usual, but then the amount was credited back. XXXX could not figure out what happened. I called XXXX XXXX to learn that they closed my account and transferred it to another company. The problem is on my credit report it just says account closed. This caused my credit score to go down 20 POINTS! I am in the process of planning to apply for a loan for my business next month. This error could ruin my potential business before it even starts. I have never made a late payment on mortgage for the 10 years I had it. This new company is a bank. The online system says they are only for making payments in an attempt to collect a debt.

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 2021-10-26
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/2021 I was reminded that my account is 2 payments ahead. These payments were made a few years ago and have rolled over each month not being applied. To recover those funds I was told by the representative to just not make the next two months ' payments. When I did as told I received late notices. In frustration, not wanting a bad credit rating, I paid the whole account back up in XXXX. This made it two payments ahead again.

Suntrust transferred the account to Truist. Both Suntrust and Truist agree there are 2 payments rolling forward. Furthermore, the account shows it, see attached. I am unable to get anyone to tell me how I may recover those funds. I am about to pay it off but the PayOff statement does not reflect these funds ( see attached ). I am desperately trying to get these funds 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 monetary relief
Consumer complaint received 2020-02-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited on XX/XX/2020 {$450.00} CASH then $ when asked if I wanted to deposit more I deposited {$900.00} the ATM gave me back a {$100.00} and the ATM started to make a loud jammed noise. After that gave me a receipt stating MACHINE ERROR Attempted deposit {$450.00} I contacted the branch manager and he when through the back of the ATM machine and said he only had limited access and that he could see any bills jammed. I called the ATM department ( since the bank has nothing to do with their own atm ) and filled a claim. The representative filled 2 claims one for {$450.00} and another {$800.00}. Up to today i only got {$450.00} deposit to my account and the {$800.00} still on dispute because the bank closed that dispute as a " duplicate claim '' even do its not the same amount! How can it be a duplicate? Now i have another claim number and no response from the bank. 
US Bank is in violation of regulation E. 
ATM claims you have to wait 10 business days for a credit even do its not a third party ATM. Ridiculous

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 2021-08-18
Company: EQUIFAX, INC.
State: CO
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:
Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
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: Information belongs to someone else

Complaint:
This is my 5th 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 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 2023-10-24
Company: Chime Financial Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I initiated a direct debit from my Chime account to my mortgage company on XX/XX/XXXX in the amount of {$1000.00}. The funds were removed from my Chime account on that day. 
A few days later I accessed my mortgage account to confirm whether or not I had covered all late fees, and the payment for XX/XX/XXXX still hadn't posted. I had become familiar with Chime holding some deposits for 7 days. Therefore, I allowed additional time in the event that the payment was being held. 
After a week, I contacted my mortgage company about the payment having not posted. They informed me that they never received it. 
I then contacted Chime, and all they will provide me is an account transaction showing the funds leaving my account ; and state that they can not provide the record of the electronic transfer ; proof that my money went to my mortgage company. They are supposedly investigating the situation, and IF they find an error ; THEN they will issue a temporary credit. 
They have refused to void or reverse the transaction so that I can get my money back, which would enable me to send funds to my mortgage company by a different, and not risk missing a house payment. Chime insists that the funds transmitted correctly. But refuse to provide electronic proof ; nor issue my credit they investigate. I feel like they stole my money ; and their evasiveness just strengthens my feelings that I have been robbed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Optio Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to contact this collection company, Qualia Collection Services in reference to XXXX XXXX/XXXX   asking them to send me Vertifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$790.00} is mine. They have failed to vertify this account which has hurt my ability to obtain credit. This collection company has only sent 1 collection letter and I have sent them 4 dispute letters and have never received an response from them. This account doesn't belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assit in having this account remove from my XXXX, XXXX and XXXX Credit Report.

Company response to consumer: Closed with explanation