BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-25
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX proving that my account is owned by XXXX XXXX, XXXX XXXX XXXX, XXXX, Washington, DC XXXX, Tel. ( XXXX ) XXXX. The Federal Authorities are presently investigating all these accounts opened and unlawfully using my name and Social Security Number, as well as the different versions of my Note. 

Also, XXXX confirmed that their " records indicate that the account transferred to Caliber Homes Loans , Inc. ( " Caliber '' ) on XX/XX/XXXX ''. 

Since I did not receive a notice of that transfer from Caliber within 30 days of the transfer, ( XX/XX/XXXX ), pursuant to 15 U.S.C. 1641 ( g ), I automatically rescinded the loan under 15 U.S.C. 1635 and informed and served all parties involved.

Therefore, based on the above, we now request that Caliber return any and all documentation, including notes, deeds of trust, communications with and between XXXX XXXX, XXXX , XXXX, XXXX XXXX, XXXX,, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, et. al, and any and all Account Payment Histories, regarding the above referenced account, and or any other accounts you may have information about.

Also I found there were at least two ( 2 ) notes  presented in different cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: GOLDMAN SACHS BANK USA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus locked my account because I changed my address information. I have called multiple times and they are very agressive on the phone and are not willing to help finding a solution to check on my identity. I have tried multiple ways and offered even traveling to the XXXX ( Im leaving abroad ). They have denied affidavits, not willing to meet on any way. I have over XXXX in my account ( all my life savings ) and have been going trough a health treatment which I urgently need the money to pay my bills and medical bills too. They have no sense of urgency and as of now I consider they are taking me/my money hostage. Im going to be pursuing legal actions. Its 2023 and with all the technology available they are unable to help. I have moved outside the XXXX but still have an address I receive my mail and that shouldnt be an enormous blocker to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Initially, I had opened accounts using my tax id number ( itin ). Later on, I was issues a Social security number ( ssn ) which I have been using to apply for credit cards. This social security number was issued in XX/XX/2020. 

I see all the accounts automatically rollover with other credit bureaus. However, Equifax only has 4 revolving accounts ( one newly added ) on my current credit file. It was changed sometime during last year. 

When I contacted Equifax, instead of merging the accounts, I was asked to contact the individual credit card issuers. They mention that the credit card companies is reporting using the itin instead of ssn which is FALSE. I have applied for multiple cards using my SSN last year which used to show on Equifax credit report but does not show anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
on XX/XX/XXXX i did a bill pay from my XXXX XXXXXXXX account, which on that day became XXXX XXXX, but XXXX did not send out any notices they were changing the format on bill pay so i did a XXXX bill pay to my Bank of America XXXX card but cause of XXXX new system became XXXX dollars in stead of XXXXthey payment was received on XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX i called about it and was told it was first needing to be checked for fraud or money laudering due to the nature of the over payment... On XX/XX/XXXX i called to inquire since the 10 days were up and told it would take 2 to 5 business days to get it wired back into my accountXXXX XX/XX/XXXX i called cause now the 10 day research and 5 day send back had both expired and customer service told me on the XXXX XXXX it was initiated and would take 10 more business days ... I understand doing procedures but at no time has boa even called asking for XXXX XXXX XXXX statements to see how long i have had the money or any questions as at all how it happened as you cant speak to the department looking into this...

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 2021-07-14
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello my name is XXXX XXXX and I was banking with chime I've been a customer over 5 years and they just closed my account I probably think it was because I reported numerous XXXX transactions and I wanted my money back they closed my account with out a notice I usually get my XXXX tax return and all my school financial aid they just closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: AmeriHome Mortgage Company, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have paid my mortgage and not been late, until Amerihome Changed my servicer from XXXX to Amerihome Then I could not make my payment because I could not use my old account number.

After that my mortgage representatives would not complete any promises to call me back or complete any documents they would not verify them as received I completed all paper work for my Modification but they closed it and resent more Papers another Modification package. They also took money from my escrow account and double paid my Home Owner Policy to 2 different Insurance Companies.

I need Help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: Their investigation did not fix an error on your report

Complaint:
This account is NOT mine! This is my 6th time reporting this information without any resolution! Remove this as its defaming my credit report and myself as a consumer.! 
Account # XXXX NOT MINE!

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 2019-08-13
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Tower Loan is in violation of FDCPA through harassment and bullying tactics of collections. 
I lost my job in XX/XX/2019 and have been hounded and harassed by Tower Loan of Pearl ( XXXX XXXX XXXX XXXX ) since then. Every call received from Tower Loan has been an argument and harassing. An employee visited my house on a Saturday morning and told me one amount to pay, but on the following Monday morning I was advised it was 3x more. I was then reprimanded by the Saturday visit employee that what he works out with me is between him and me! I receive multiple phone calls and voicemails on the same day from this company yes, I saved them. It got to be so many calls a day from many different numbers, I started blocking the calls. Communication was not a problem until they started violating CFPB. Multiple times I advised them they may only call me once a day and only leave one voicemail a day. They refused to listen. I received a letter from Tower Loan on XX/XX/2019 that was dated XX/XX/19 stating I had until XX/XX/2019 to come up with the money or they may consider legal action. I was served a court summons on XX/XX/2019 and a nasty phone call from them. I called the corp office and requested a supervisor call me on XX/XX/2019 at XXXX. I spoke to their GM XXXX the following day. He assured me they could still continue to collect on me until the court day XX/XX/19, but considering my unemployed status they would only call and check in on Wednesdays or I could call them. The first 2 check ins went well and then it went to heck. Harassing phone calls and voicemails started up. I was informed by XXXX that their GM hadnt told them anything about only calling on Wednesdays. The lack of communication on their part is no fault of mine. 
I received another letter in the mail today stating I had until tomorrow or they would file legal against me. UHHH HELLO you already did. I have all of the call logs from every phone line they use cell phone included and I have ALL of the voicemails that were left. I left a message for the corporate office to call me back 3 days ago and have not heard anything yet. I am naming the following as the harassers : XXXX manager, XXXX manager, XXXX, XXXX. 
I feel that the multiple phone calls, rude attitudes, and bullying tactics should be addressed quickly. I also feel that because of the mental anguish the agency and its preferred employees cause me, there should be some sort of relief on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Creditor Name : XXXX XXXXXXXX Date : XX/XX/23 Action : When contacting Transunion to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

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 2023-03-28
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My credit report as well

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 2022-04-01
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
XXXX XXXX XXXX2022 the amount was XXXX Truist Bank XXXX XXXX XXXX nc my tax refund was sent to this bank which was confirmed by the irs .I dont bank with them but my tax Preparer does.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: NV
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:
I recently received a copy of my credit report and In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX 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 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 2018-12-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit Card application Fraud. HSBC has a help line but I have been on hold every day this week for 3 hours each day and I cant get anyone to answer the phone. XXXX XXXX XXXX. 

They must have 3 people working the phone for thousands of calls and they DONT CARE ABOUT THE CONSUMER. 

The issue is my credit report shows unused lines of credit for {$200000.00} opened by a criminal. 

Please help me. if it helps. I have some old friends that you work with from the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
During disbursement of Covid stimulus checks, the money was transferred to an account at Wells Fargo. My wife and I had previously closed our Wells Fargo account due to the way they conducted business. We contacted Wells Fargo and were told that any money sent to an inactive account would have been sent back to its originator. We have been unable to verify this and did not receive anything. Plus, we were then taxed by the IRS for these funds that we never received.

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 2023-06-08
Company: The Receivable Management Services LLC
State: VA
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 have no knowledge of this conpany & have not provided any consent for correspondence Please see attached forms senf from The Recievables Management Service LLC. 

I have no legal or binding contract Pleade Remove Identity Theft 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 2017-12-21
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX XXXX, received call from associate XXXX. Said associate failed to provide proper call disclaimer. 

I immediately asked said associate to provide the name of the person that called my phone two days ago. Said associate disregarded the question and proceeded to third party debt collection requests. I asked a third time and was asked why u needed the name. I inquired of the name because the associate that phone left a voicemail advising the call was from a debt collector ... which is against FDCPA requirements. XXXX persisted today advance her script of collecting the debt and I refused to entertain as my question wasnt answered. XXXX advised it was my debt and that my credit would suffer and disconnect d the call. 

I called the company back. Asked to speak to a manager. Call was transferred to XXXX XXXX. Initially said manager appeared attentive and concerned. However, he then disengaged and proceeded to collect his alleged debt. I advised my complaint about XXXX was not addressed. After moments of back and forth the manager wanted me to give permission for him to discuss the debt. I advised I never received the requir d thirty day notification. Manager advised the letter was sent twice. I not d I called in a few weeks ago and was provided a website to pay the alleged date with th account number. However said manager noted there was no inbound call from me noted in the record. When I pressed the topic, his storyline changed to acknowledge the call. However when it was apparent I wasnt acknowling th alleged debt XXXX advised he had other callers willing to pay their debts and I could call back when I was prepared. He disconnected the call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Westlake will not responding to my Disputes that I am responding neither are the credit agencies and I have sent in letters a few times and attached my FTC 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 2023-03-07
Company: EQUIFAX, INC.
State: IN
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 been a victim of identity theft There are Inquiries reflecting on my credit report that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account Equifax 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 consent or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent multiple letters asking and demanding prof of the debt and to date have not been sent any response and the debt collector has illegally added this negative account to my credit reports and demand it be removed 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