BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-27
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was on a forbearance plan with Caliber Home Loans starting XX/XX/XXXX to XX/XX/XXXX. My payments resumed in XX/XX/XXXX which I made. I made subsequent payments in XXXX, XXXX XXXX, and XX/XX/XXXX. Up to today, my account has not been updated. I have placed numerous calls to Caliber, communicating to Customer Service via the website and written on two occasions to Corporate Office. There is no phone number listed for Caliber and Customer Service refuse to give me their contact information. I did receive a letter from the Advocacy Dept saying they would do their research and comply within a period applicable by law. To date, XX/XX/XXXX, I have not heard a back from Corporate. Calibur has been my servicer since I purchased the property in XXXX and never have I experienced such disrespect from a mortgage company. I heard they were bought over by a new company last summer, and I understand they were switching systems, but not applying my payments since XXXX is thieving my money in my opinion. I have been calling every week for months, and I I have been hung up on, yelled at, left on hold for hours at a time, and I am just disgusted that a mortgage company, as large as Caliber, can treat their customers with such low regard. They assigned me to a Single Point of Contact Dept, which was supposed to be only during the forbearance period, but up to today, they refuse to remove it because according to Calibur, I am delinquent on my mortgage. I can not resume my payments online, again because I am still in delinquent status. I am short in escrow, because my payments have not been applied, so my payments have increased significantly. I want to make sure that when all my payments are applied, they will be done so correctly and every penny will be applied where they should. They keep telling me they are running behind and they will get to it, but this is absurd. This is deliberate and hypocritical. There needs to be protocols in place to make sure mortgage companies like Caliber, who feel they are too large and untouchable, doesn't treat customers like this. If they are short-staffed like they have repeatedly told me, then they need to employ more people. We the customers should not be paying for their shortfalls. I have been making my payments and I need to see these payments applied as they should by law. I am sure they will say they have been repeatedly told me they are working on it, but 5 payments behind???? I am in the process of refinancing with them, and that has been put on hold pending the update to the account. I am besides myself with anxiety with Caliber whilst they bounce me around with lies. I am asking for them to please update my account. That is all I am looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX. {$55.00} to XXXX XXXX XXXX, Ohio. I am currently living in a hotel where I pay $ XXXX. For this week, the hotel overcharged me {$55.00}. I made XXXX payments. XXXX for {$160.00}, ( XX/XX/XXXX ), and the other for {$180.00}, ( XX/XX/XXXX ), totaling my $ XXXX total. I was then charged an additional {$55.00}. I spoke with the hotel about this, and there was a new manager who did not understand the weekly rate that I was receiving. They refused to refund the charge. I disputed the charge with CashApp, and they denied the claim, despite approving another claim for the same issue in the amount of {$10.00} from XX/XX/XXXX. 
I did try attaching photos of the charges and the dispute, but the website keeps freezing and I can not attach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MD
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:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING PLUS THESE ARE OTHER NEGATIVE ITEMS CREATED UNDER MY SOCIAL SECURITY NUMBER. BLOCK AND REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
This is in reference to Complaint Number : XXXX about USAA referred to CFPB by Federal Trade Commission. IT seems like USAA are continuing the delay tacking and is refusing to seriously investigate the fraudulent account. 
I just got home and was told by her that a Certain XXXX ( phone number : XXXX ) call her on her cell to tell her that an independent review decision was not in my favor and my best bet was to call him at the above phone number. For some unknown reason USAA are not taking this matter seriously, a complaint that was send to the bank just this morning has already been seriously investigated by an independent review board? USAA have been fabricated transaction in attempt to justify this fraudulent account. 
Including to report that I have made my last payment in XX/XX/2016. Additionally the same account is being reported twice, as a charged off account and as a " Pay as Agree '' account, max out but in good standing. This is a fraudulent account!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
i have no knowledge of these fraudulent accounts. im a victim of Identity theft. The thief may obtain my information with these data breaches leaks from XXXX, transunion and 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 2016-01-05
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was purchased by Nationstar Mortgage at the end of 2014. Prior to my loan being sold to Nationstar, I switched my home insurance from XXXX to XXXX XXXX. 
Upon receiving my loan, Nationstar used funds from my escrow to pay XXXX instead of XXXX XXXX. 
I have called them multiple times to correct the issue. On XXXX they finally issued a payment to XXXX just in time to prevent my insurance from lapsing. Unfortunately, they did so by using more of my escrow funds. I have asked them to work with XXXX to return funds to my escrow but they have refused to do so. They promised to fix the issue and call me back but have not done so. I have called them again, after the holidays and I am told that their call center is not open. I am sick and tired of playing on the phone with them. They sent money erroneously to the wrong insurance provider, the onus is on them to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I wrote to my mortgage company ( Nationstar Mortgage ) on XXXX XXXX, 2015 asking them how they determined that I needed to pay {$120000.00} to bring my mortgage loan current as I was allegedly in default. I also asked for the name of the entity which holds the note on my mortgage. In response I was sent a copy of something called a " previous servicer history '' and " Nationstar Mortgage history ''. Neither of these documents tells me how Nationstar arrived at the {$120000.00} amount demanded in its letter to me. In fact, the {$120000.00} figure appears nowhere in either of the histories. Furthermore, Nationstar 's letter only tells me who the " investor '' is for my loan. I did n't ask for the name of the investor but for the entity that held my mortgage note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I haven't been working for a couple of years due to XXXX XXXXXXXX, and since I am recovering. Thinking about returning to work by XXXX ; hopefully, all goes well. I decided to check my credit report in order to know my credit scores before applying to a company based on a human resource expert 's advice. After reviewing my reports, I realized these inquiries that I didn't authorize on my credit reports. I called two of the bureaus, but couldn't get through because it takes longer than I expected. I decided to immediately file a fraud report because it was fraudulent. It wasn't authorized by me and I have no clue why. 
These are the inquiries : 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 2022-11-01
Company: Experian Information Solutions 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 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 explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-16
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2023-03-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an collection email on XX/XX/XXXX, supposedly on behalf of Speedy Cash. I called Speedy Cash and confirmed that this is not a legitimate debt or correspondence from their company. I am including the information in the email below : " CREDITOR : SPEEDY CASH ( ADV.AMERICA ) CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you. 



We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 



We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 



This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records. 



IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : XXXX : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX, XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: OK
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 have over 25 hard inquiries on my report I didnt do. I also have multiple loans I didnt open on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
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:
After careful review of this account, I noticed multiple instances, where 99 % of the information reported by the credit bureasu are not accurate and they insist on confirming and validating the creditors inaccuracies. The high balance is being reported inaccurately with 3 different amounts. Only one credit bureaus ( Experian ) is reporting that it has actually verified the account. Date of Last activity, date reported, date opened, balance owed, creditor type, account status, payment status, are all reporting different information. None of the agencies match on any of the data they are reporting against this account. 

On XXXXXXXX XXXX and XX/XX/2022, I submitted a dispute via the online portal with all 3 Major Credit bureaus regarding XXXX XXXX. Each result came back " verified as accurate '' by both the Creditor and the Credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2022 you cash a check and after obtaining the money I will clear the check ( with fire ) On XX/XX/2022 someone else changed it and deposited it from my account and the bank did not refund me the money they debited from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-12-27
Company: Paxful Holdings, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello XXXX months ago, my account was frozen by paxful This happened when I wanted to withdraw my money from the site as an etherium. 
I received an error when I requested the withdrawal. The text of the error was : The transaction was canceled due to sending money to the risky wallet address. 
After this incident, my account was frozen. During these seven months, I informed the site support many times and asked them to solve my problem. But each time, they just told me to wait, your account is being checked. 
I feel like they are scammers. Because checking an account does not take more than a week.

Company response to consumer: Closed with explanation