BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2023, After talking with a mortgage company representative on the phone, per their instructions, I posted a signed letter + signed form on the mortgage company 's portal requesting closure of my escrow accounts ( taxes/insurance ). 

XX/XX/2023, The mortgage company denied my request with with a response in the portal followed by a formal letter in the mail. They are denying my request because my XXXX is XXXX XXXX or greater. This is an error in their own recordkeeping data. The mortgage company cancelled the XXXX  on my mortgage on XX/XX/2023, because my XXXX is calculated to be less than XXXX XXXX per an appraisal performed by a third party in XX/XX/2023. 
XX/XX/2023, In a subsequent call to the mortgage company , the call center representative noticed that the mortgage company has not removed the XXXX  indicator on my loan- though XXXX  ended XXXX calendar days ago. The XXXX  indicator is still present in their own system on my loan- erroneously -- and they are automatically denying my request to close my escrow accounts. This loan meets every single criteria for escrow closure i.e no late payments, no missed payments, not XXXX, XXXX below XXXX XXXX, etc., etc. 

XX/XX/2023, I have called the mortgage company two times about this issue. I have posted multiple messages on the mortgage company 's portal indicating there is an error in their XXXX calculation. No one from the company will return my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2019 I was applying to get a beginner credit card with the soul intention to start building my credit from Capital one, it was a recommended card to start building credit by raising my credit score and opening another line of credit. I was unapproved and they put a hard inquiry on my score which dropped it by 17 points on XX/XX/2019 within minutes. I feel this is not goodwill or business model. I simply want to have a good future and Secure a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX I mailed Experian a letter certified with tracking # XXXX which was received on XXXX XXXX at XXXX to this date I have not received any results from my complaint and I have proof of this tracking. The law states that a investigation is done within 30days or must be deleted. It has been more than 45 days and this incorrect Public record is still being reported on my consumer report, when it has been deleted from XXXX XXXX, XXXX, and XXXX. I feel at this point Experian is not only being non-compliant but also defaming my character, causing me emotional distress, reducing my credit rating and causing me to have to pay higher rates. The information is false, misleading, inaccurate, and unverifiable. So please either provide me proof of this alleged Bankruptcy because the courts have verified they do not furnish, and XXXX XXXX has deleted the inaccurate record from my file. So how and who is verifying you this information without my written consent??

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$170000.00}. Please update this ASAP.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-03
Company: Experian Information Solutions Inc.
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:
They still current show a charged off balance from a lowes purchase and I have since paid it off. Since the are violating the FCRA I will be suing them in small claims court for discrimination against an XXXX as they wont give me a another loan as it shows I have a Available limit up to {$300.00} to use and it wont allow me to use it.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Funds were slowly being charged in small amounts since XX/XX/XXXX by online gambling accounts. I just noticed it on XX/XX/XXXX. I reported the charges and asked them to go back and see how many there were. There were 184 small charges made since XXXX. 

Since we had called Wells Fargo in XXXX ( because we noticed authorized charges being made from gambling accounts then as well ), we werent checking for these charges because we assumed they were blocked and Wells Fargo was a safe institution to keep our money at. When I found out all of those little charges totaled over XXXX dollars, Wells Fargo submitted a claim. 

6 business days later, I found more fraudulent charges by another gambling company ( XX/XX/XXXX ). At this time, Wells Fargo did not stop the charges or think to contact us when over 78 charges were made to a betting site over the course of 5 days. Again, I was not checking my bank account, as there was a claim already open and I didnt even have access to a debit card. 

When I called to file yet another claim, the employee stated that the other claim was closed and denied and that the reason it was denied was because I didnt report it sooner. Is that legal? To say, too late, you didnt notice fast enough, now its gone? It is XXXX dollars. XXXX dollars is not able to be returned to us. None of those charges were made by myself or my husband. 

There is currently another claim open for another XXXX dollars that was taken while the XXXX dollar claim was in the process of being denied. 

I spoke with a Wells Fargo manager. The manager was kind enough to file a complaint against the claim result but with no guarantee. In what world is this fair? 

I am a XXXX XXXX XXXX and my husband is in XXXX XXXX. We are hardworking citizens. XXXX dollars of fraudulent charges in 4 months and not one alert, not one cause for concern? Now, when we are uncovering how long this has been going on for, they just say no? This is not acceptable. It is our money that we work really hard for. This loss of money does severely impact our financial security. We have kids in daycare. Bills that have to be paid. It isnt right. Please help us rectify this situation. 

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 explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See attached documents. Remove this personal information that does not belong to 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 non-monetary relief
Consumer complaint received 2023-03-01
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: Account status incorrect

Complaint:
This will continue to be reported on my credit report and affect my score. Also shows open accounts when not open and reports monthly. 
This has a huge impact on me and my future, can this be resolved and taken off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am submitting another CFPB Complaint in response to the Credit Bureaus ' recent evaluation. I am committed to resolving these matters, which necessitate a focused approach to my personal credit report. I am frustrated and concerned about errors that continue to be reported on my credit profile. These inaccuracies lack clarity regarding their accuracy and completeness. At this juncture, I am solely focused on rectifying the issues with my personal credit report. I am disputing the remaining information that needs correction. XXXX XXXX XXXX : {$0.00} - I have been disputing the payment status of this account for months now, and yet you have not corrected this erroneous information. The payment status you report differs from the payment history presented. I am certain that I have never missed a single payment, and yet you report this account as being late. I have previously asked you to provide proof of the information you report, but you have not done so. I urgently need you to correct the payment status of this account 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 2019-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whome it may concern, This is a warning to anyone thinking about accepting payments to their credit card from someone that is offering to buy goods or services online. Do Not Do It! Those payments can be reversed at any point in the future, mine was 6 months later! 

I am a credit card customer of Capital One Bank ( XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ). I had an item advertised online for sale and someone offered to purchase it by paying off my credit card. As many people know, this is an unreliable way to accept payment and a common scam so I contacted Capital One customer service that I just received a payment from someone online and asked them if I cancel my credit card and close the account, how long after the closing date will the account completely be closed, where no payments can be made into or out of the account and no payments into the account can be reversed. I was told by the Capital One customer service representative that I would have to wait 2 billing cycles ( 2 months ) after account closure for all accounts to be settled and no more transactions will be able to be made into or out of that account. Everything will be finalized by then and all payments settled. So going on the advice of the CS representative I told the payer ok but you will have to wait at least 2 months, they said ok and the {$7900.00} payment arrived into my account on XX/XX/2019 ( split into 2 separate payments ). So I proceeded to close the account a few days later, received a check for the positive balance in the mail from Capital One and waited 3 months after closure to mail the person the item in question ( XX/XX/2019 ). 

6 months later at the end of XX/XX/2019 I receive a letter in the mail from Capital One informing me that a payment error was made on my account, that the payment has been returned to the bank that payed it and to quote the letter from Capital One " Rest assured, we've already corrected this error and you dont need to take any action ''. I just spent 2 hours on the phone with Capital One and as it turns out there is nothing they can do about it, I have no recourse or any way to get the money back and I now owe Capital One {$7900.00} + {$220.00} interest for the late payment. I asked them to provide any information about the bank or account that the reverse payment was sent to and they refused to provide any information about how or who requested the change. No names, no account information, not even the banks name that the refund was issued to. 

Do NOT accept payments to your credit card! They can be reversed at any stage in the future, mine was reversed 6 months after I received the payment and 5 and a half months after I cancelled and closed the credit card account. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
US BANK XX/XX/2023 CLAIM XXXX CHECK ACCOUNT XXXX XXXX XXXX XXXX I opened a debit card claim for merchandize not received on XX/XX/XXXX, provisional credit was made a couple of day later and now I saw that was removed. 
I never received any letter on my mail requesting more information or the status for this. 
My mailing address on file is XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX Also I made a call on XXXX XXXX and didnt provide any information about the case, and they only said we will call you back in 2 days. Im out of the country now so I cant receive calls of my phone. 

On XX/XX/2023 I made 2 purchases for an amount of {$93000.00}, it was a Smartphone XXXX XXXX XXXX each one. 
On XX/XX/2023 I went to the same store to buy 2 more smartphone {$93000.00}. 
At the moment of the purchase the seller didnt have on stock those smartphones at that store, so they will send it from their warehouse to my address, and I should get it not later than XX/XX/2023. 
The seller never sent any information about the shipment or delivery confirmation. 
I tried to reach them several times without any answer starting on XX/XX/2023.

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 2021-03-27
Company: Square Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a cash app acct w squareup.com under user name XXXX XXXX link to email XXXX and phone number XXXX. My account was compromised from my stolen phone and a XXXX XXXX made 2 fraudulent and authorize transactions on my cash app acct in the amount of XXXX $ and XXXX $ on XXXX. With cash app fees XXXX $ took from my XXXX XXXX account ending w now cancel debit card XXXX # Cash app Customer support agent XXXX XXXX. Did not understand or did not care. Agent XXXX since re open my case of fraud w cash app. I'm waiting for an answer from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 XXXXXXXX Balance Owed : {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief