BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified.

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.Under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give any documents related to an account that is requested Please send me copies of all records relating to the account, including : date account open all sign original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
4 loans from XX/XX/XXXX-XX/XX/XXXX have been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX in which was deferred as I was a full time student

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 2022-02-13
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:
Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA.

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from XXXX stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

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 2018-01-01
Company: CITIBANK, N.A.
State: CA
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:
Purchased a lock and installation from a vendor in XXXX CA in the amount of {$750.00}. Lock and key was never delivered from Vendor. Disputed the amount, and Citibank sided with the vendor. There was no protection against the fraudulant activity for us. They said we needed a credit slip which the vendor never provided. The vendor XXXX XXXX XXXX XXXX has done this to many others as their XXXX account indicates. Irrespective of this, Citibank would not take any action against them ( XXXX XXXX XXXX XXXX ). We have also file a complaint with the Bureau of Investigative services against the Vendor. 


XXXX XXXX, XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : XXXX Print - {$750.00} XXXX XXXX, 2017 REVERSE XXXX XXXX XXXX XXXX XXXX XXXX Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : 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 2022-02-13
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did online transfer from my XXXX account to my cash app account which is linked to my XXXX account the money was debited out of my XXXX account immediately on Friday the money never hit cash app I was calling to dispute this with cash app Cash App has not given me any information or provided substantial accuracy for the transaction cash app is the umbrella company of square and which Ive also contacted they advised me that they dont have any affiliation with cash apps transactions cash app also uses XXXX XXXX in which they provide cash app a a checking account routing number and account number and I sense tried to contact XXXX XXXX  and I read the fine print below setting bank XXXXXXXX XXXX noted that they do not handle any cash app accounts for any type of missing transactions or any M accuracy and direct deposits or any further transactions etc. my money is just up in the air with cash app cash app is a scam they are not a real bank and they handles people money and I dont think they should be involved with any type of handling of peoples money and using falsified information claiming that they are under setting bank and setting bank does not have any affiliation or anything to do with Cash App accounts when they do provide a routing number and checking account number for Cash App customers for direct deposit please if someone can contact me further so I can further explain this information I have extensive proof that money was debited out of my account to cash app I also have the proof that XXXX XXXX does not deal with any cash app accounts when they do provide cash app with routing number and checking account numbers and when money is saved to a cash app account it automatically goes to XXXX XXXX so I dont understand why there is no affiliation this should be a matter address for all parties that use cash app and I feel like cash app should not exist or handle anybodys money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Checkr, Inc
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XXXX the XXXX 2022, Checkr did my background check and it has suspended me from working for point pickup because it says that I had a driving with a suspended license but that charge was Incorrect and the courts dismissed the false charge. I was exonerated since it was false

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called in early XXXX to close my Citi Advantage account and they dooped me into transferring into another AAdvantage Mileup Card with an annual fee. I called several times about this annual fee that was not disclosed and on XXXX its still reflecting as a balance on my card. Apparently there is a problem with your system waiving this fee and have requested this account be closed. If you can not properly transfer credit card accounts without charging people annual fees that were not disclosed then maybe you should not be cross selling credit card to customers.

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 2018-01-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Occ # XXXX PUBLISHED XX/XX/XXXX XXXX XXXX XXXX  I just discovered another listing of XXXX XXXX XXXX in my files on XXXX dated XX/XX/XXXX stating the property is owned by XXXX XXXX XXXX. 
( I've never done any business with XXXX XXXX XXXX  ) and would like some answers. 

At the top it gives the same listing property id XXXX that XXXX XXXX had on his purchase agreement that he presented to XXXX XXXX XXXX court time stamped XX/XX/XXXX @ XXXX claiming he bought the house for XXXX, and that I am absolutely sure was conducted in his handwriting. 

I notice at the top is XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX cell or XXXX XXXX XXXX I have never had any dealings with XXXX XXXX XXXX XXXX   XXXX XXXX listed and would like to know how they came into the picture. 
Please explain to the cfpb for me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
During a fight to Main XXXX, AAdvantage provided me a means to apply for a XXXX account XXXX I applied and the process was not completed because they said they needed more information. 

I tried to contact them several times and due to " pandemic '' the process was not complete, they are short in staff. 

I received a noticed that the time/window to apply ended in XX/XX/2022. So I reapplied again. 

Now I applied via online. 

The send me mail indicating I was not approved for the applicant. 
I have a credit score of XXXX the last two times I checked during the last 16 months. I also have paid existing debts that were opened. 

Note : They request to provide the amount on the house payment. If I include it, then I must include my wife 's income. All of the house is in her name and she makes all of the house payment.. 
House payment is almost XXXX XXXX/month My wife 's income is Almost $ XXXX. 
My income is $ XXXX and I do not have a house payment. 

The Citi Bank AAdvantage application is ID # : XXXX I received a denial letter printed on XX/XX/2022. 
Reason : XXXXHad submitted multiple applications. 

I have submitted multiple applications because the credit agency is not providing me a means to complete neither the first one nor the last one I just submitted. 

and my credit score continuos to be over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Mr. Cooper from XXXX XXXX  effective XX/XX/2022. I made an electronic payment for {$1400.00} through my bank to Mr. Cooper on this date, yet Mr. Cooper claims they did not receive it. 
I alerted my bank on XX/XX/2022, and they opened a case with Mr. Cooper since they have proof of payment. I also emailed Mr. Cooper about this, using the address the Mr. Cooper rep gave to me on XX/XX/XXXX, when the bank, Mr. Cooper, and I were on a three-way call to try to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been in Loan Modification mode with this " Company '' for six + years, paying " interest only '' modifications that must be re-approved every two or three years, or the mortgage will convert to a " Post Modification '' rate of 6.99 %.
Our goal has been to secure a fixed modified rate, based on current conditions, for the life of the loan, and think that six + years is long enough to evaluate a client.
The last offer from this " Company '' as of this month ( XXXX XXXX ) was for another " Short Term Interest Only Modification '' for five years@4.375 % which, again, converts to 6.99 % after the five year term.
<P/>
We are tired of having to go through Loan Modification XXXX XXXX with this " Company '' and are complaining about how we have been treated over these past years.
<P/>
We purchased this house with a Conventional mortgage, not wanting to get involved with the then XXXX/XXXX stuff going on in the government. Unfortunately, all the programs available for permanent modifications to one 's mortgage due to the " underwarter '' situation created in XX/XX/XXXX-XX/XX/XXXX, are only available to the ones that have XXXX/XXXX  loans, that of course our taxes pay for [ the programs ] and we do n't have access to.
<P/>
We think a fair offer, considering all we have been through with this " Company '', and considering the market that the housing " bubble '' caused, and considering our Conventional Loan mortgage, would be at least a two to five year interest only modification at 4.375 % converting to 4.375 % Principle/Int/Tax/Ins Loan for the life of the loan. Consideration would be nice ... .I guess there 's foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: American Recovery Service Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter form ARSI Collection agency, they are collecting an account on behalf XXXX XXXX, the letter is an opportunity to resolve my account for less than the balance owned, the offer is good until XX/XX/2020. I called the collection agency and they informed me XXXX recalled the account from their office. I called XXXX and they couldn't find the account, they just informed me that I should wait for a call from a Law Office. Even when the offer suppose to be good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Investigation took more than 30 days

Complaint:
On XXXX, I sent a certified letter to Transunion disputing inaccurate reporting of three accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. 

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 2017-07-12
Company: Caliber Home Loans, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see complaint number XXXX which was closed because Caliber Homes responded. They did re-apply the funds that they had applied incorrectly, but they still have not taken the derogatory information off of my credit report and it is currently showing with 10 missed payments and currently 30 days past-due. This is having an extreme impact on my credit score and I need help to make them get it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: UNITED SECURITY FINANCIAL
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Terminated/canceled refinance without my knowledge after signing closing documents. Now have left me high and dry without a way to resolve. Was berated by the " manager '' and was called privileged and fortunate for using there company. Missed 2 payments because of them and the way they have done business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
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: Investigation took more than 30 days

Complaint:
On  XXXX   XXXX , I sent the following letter to Equifax,  XXXX , and  XXXX   XXXX  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from Equifax or  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, 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:
I had account with XXXX and I called them before I move but they billed me after I moved then I called them they said they will fix it but they didn't .they have conversation record you can ask. But finally falsely they reported to Equifax XXXX. But Equifax also updated that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Client Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received the letter for debt settlement from XXXX XXXX  XXXX showing the balance of {$7300.00}. I have not had a chance to review the credit card invoices and also no explanation of how the total amount shows {$7300.00}. Also, the collection company has offered for 30 days for the amount of {$2200.00} but not sure how that amount came about and must send payment within 40 days fo the notice dated XX/XX/2019. 

I would like to receive all the copies of the credit card debt that shows {$7300.00} since the account is closed. Also, the explanation of how the settlement has been offered. 

If the settlement is offered, I would need to work out payment plans instead of the lump sum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2022-02-13
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 

Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: CA
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:
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent.

Company response to consumer: Closed with explanation