BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is the letter I sent to them XX/XX/2020 which explains my problem with them. 

XX/XX/2020 Caliper Home Loans Re : Loan # XXXX Re : Refinance Loan # XXXX Dear Caliper, This is in regard to a Loan Refinance we were offered XX/XX/2020. I was told we qualified because we had not been late for over a year. Interest rate would go from 4.75 to 2.75. Great. 
What this refinance would do is not only give us a mortgage payment of {$500.00} less per month but would also give us a free month before our first payment. Because of the Covid19 Virus prices and expenses have risen dramatically. We also had family that was hit hard and did not received income for a while. 
And because we knew we were going to get refinanced, we sacrificed our emergency money to help them. We would have a month grace period before first payment so we would be able to take that months payment and put in the bank. We would have our emergency funds back. Also with a {$500.00} less a month payment it would allow us to save. Finally getting something that would help us maintain our finances. But that did not happen. 
We were shooting for an end of XXXX closing date. All papers needed for closing for the title company did not happen until mid-XXXX. Ok no problem. We close end of XXXX. That did not happen because it was discovered that another document needed for closing had not arrived. My loan processor told me that she was told it was supposed to only take 15 days to get this. As far as I know they are still waiting for this to show up. 
So now we get to XXXX. Still no word on a closing date. Then our family had an emergency that made us late on our XXXX payment. Had AC repairs that had to be paid. If the refinance had closed not only would we have not been late, but we would have had our emergency funds back. 
Then I get a call from XXXX XXXX XX/XX/2020. I thought finally getting a call about a closing date. Instead all we got was Oh! We see where you had a late payment for XXXX so we cant give you a refinance now. What! We should have closed on this loan in XXXX or XXXX. We started this process XX/XX/XXXX. We were not late for XXXX or XXXX. And even with a late XXXX payment, all you can tell me is Sorry? What I expected is you to tell me that although we were late for XXXX and the document we needed to close should have been here a month ago, we are not going to hold that against you. We can still close on the loan. 
A lot of companies including yours makes statements like, We Are Here to Help You. Well this was the help we needed. And as far as I am concerned you failed us. 
The only thing this almost refinance managed to do was put us back in a late status. Thanks a lot. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, MD XXXX XXXX Cc : HUD Cc : CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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 2020-09-17
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:
THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-17
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 a dispute was entered for the amount of {$53.00} for the XXXX XXXX of on my credit card with Navy Federal Credit Union. The items ordered were 3 XXXX XXXX, 100 % human hair, 1 donor XXXX XXXX. What was received was 2 alike XXXX XXXX not ordered and synthetic XXXX XXXX. With no lace frontal at all. On the dates of XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called to reference claim number : XXXX. On the date of XX/XX/2020 I called the customor service number at XXXX and got XXXX no reference number or specific employee identification could be provided. He ( XXXX stated ) that employee id information could be given to me. I then asked for him ( XXXX ) to e-chat his supervisor. I was then told there was no one else I could speak with other than him ( XXXX ). He then began to say he did have a supervisor XXXX that wasn't willing to assist with the matter at all. As of XX/XX/2020 dispute has still not been assigned to an investegator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I purchased a XXXX prepaid card 7 days ago and Ive been trying to pay 2 car notes. The prepaid card keeps declining the the transaction to two different car companies. So I called today to convert the temp card to permanent card and Im told this takes 7-10 days plus the week Ive already been trying to pay my bills. Now Im told the card that I had deactivated and replaced was not deactivated and that takes 3-5 days. So 7 day plus 7-10 days plus 3-5 days just to pay two car notes and cant is messing with my credit. And its nothing I can do but wait as they mess up my credit with this no working cards

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 2023-09-07
Company: Security Credit Services, LLC
State: MD
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:
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to SECURITY CREDIT SERVIC. In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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:
I am submitting this CFPB Complaint to dispute the fraudulent inquiries listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several inquiries and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. The inquiries in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these inquiries or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Direct Recovery Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX A few times and left voicemails and I deleted them knowing I dont owe anyone money. XX/XX/XXXX they left another voicemail with a website that you cant even open which I XXXX  with an account number they also called a member in my household their cell number which I have no clue how they would even get that number it has nothing to do with me. I want ugly this was right after I did my census I truly hope that is not the case. A few times and left voicemails and I deleted them knowing I dont owe anyone money. XX/XX/XXXX they left another voicemail with a website that you cant even open which I XXXX with an account number they also called a member in my household on their cell number which I have no clue how they would even get that number it has nothing to do with me. Ironically this was right after I did my census. I truly hope that is not the case case. When I found out they called someone in my household on their cell not knowing how on earth they couldve got that number so I contacted them immediately and they would not give me any information a woman answered who sounded very unprofessional when I wanted information as to what it was in reference to she wanted personal information first to verify myself when I asked her why she called somebody else on their cell phone and how they got that number, she hung up on me its a recorded line so if someone gets access to that that can be proved. The phone number listed did not match the phone number for the company website.Im on my XXXX  once a week I have no collections I never received a collection notice letter Im very confused to all of this and its very unsettling. Im in hopes protecting myself as a citizen will help me I have that right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: NY
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft.Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: NC
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
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: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2022-01-12
Company: Synovus Bank
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I didn't know my First Progress Credit card was stolen, from my previous address in the process of moving in XXXX. I have a balance of {$350.00} and reoccurring late payments that I did not know about. They closed the account but I am a victim of identity theft and credit card usage that's not my own. And the mail that they sent me says I have another past-due payment on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, On XX/XX/2010 around XXXX XXXX I went to my SunTrust Bank ( XXXX, VA branch at XXXX XXXX XXXX XXXX to deposit the money collected by my XXXX years old son over one year to buy his own laptop. The money were {$470.00} in cash and {$93.00} in coins. The bank door was closed due to Covid-19 so we went to drive through that was open at the time. I sent the {$470.00} and half of the coins ( i.e. they were heavy ) in the tube and told the teller that I am going to send him the rest of the coins in another tube in addition to my ID. The teller asked that I come inside the branch, better than using the tube system. 
My son and I went inside and started working on the coins to be put on the appropriate coins paper rolls. I had to leave the bank to pick up something else from a nearby store and asked my son to complete the deposit. I came back in 10-15 minutes and called my son to come out after he finished the transaction. My son didn't have the deposit receipt and when I asked him, he said the teller told him that you will see your deposit on line after a few minutes. 
I checked my account on line and there was only {$93.00} deposited ( i.e. the coins only ). So I called the teller to ask about the {$470.00} cash, he said that he didn't see them and he will check his drawer and get back to me. I had to call him again to find out that he didn't find the money as he claimed. I called his manager as well and customer service and filed a complaint to investigate their Camera system hoping to find a resolution but I have not heard back from the bank as promised by its manger. After a few days, I called the bank 's main headquarter in XXXX, GA and filed another complaint. Three and a half weeks later there is no definite answer or a timeline that this issue could be resolved. I am really upset and frustrated from the way this bank is treating me and how they are handling this issue in a careless and not timely or professional way. 
I am hoping that your bureau can assist with this situation. Thanks

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 2023-04-19
Company: Block, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Well I had been tryna get my account fixed with cashapp and they kept telling me to put the same question they had already asked me for the 1000 time and every time I tried doing what they was telling me to do they look right over what I was showing them on my account they paid me for 2 of my unauthorized transaction but they looked over the other ones that I had told them about a day are to before said they was sending an email never received anything from them so when I tried contacting them again they told me my account was closed do to the terms of use I really need my money I been having problems with my identity anyway and I was trying to show them prof but the lady said she was so sorry and that I wasn't gon na get my money back I just don't understand why would they close my account and not give me my money back are to speak with anyone that could have helped me

Company response to consumer: Closed with explanation