BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Bread Financial Holdings, Inc.
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. CB/VICSCRT Account Number : XXXX This is not mine. 

4. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, Vice President with Caliber Home Loans response to CFPB # XXXX is that Caliber Home Loans have not violated any servicing guidelines on my loan. Caliber also claims that Caliber has already provided me with supporting documentation and/or  clarification relating to XXXX XXXX. When in fact all of the supporting documentation that I have received from Caliber to date supports that she was/is an employee of XXXX XXXX XXXX XXXX. aka Caliber Home Loans and/or XXXX XXXX XXXX. To date I have received no supporting documentation that XXXX XXXX had power to execute on behalf of XXXX XXXX XXXX., XXXX XXXX XXXX of North Carolina or XXXX. Furthermore I do n't have documentation that she had power from Caliber Home Loans either, because she is not listed on nether one on the Certificate Of Incumbency that I have on file for Caliber Home Loans. I only have documentation that she worked for XXXX. XXXX XXXX. I have never been notified by XXXX or XXXX that my servicer changed to XXXX XXXX XXXX XXXX. If Caliber or someone would deeply Investigate th is matter, I am sure we can bring it to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Throughout XXXX I attempted working with TD Bank regarding unauthorized activity on my account. I hired a private investigator who tried calling the same rep I attempted to call over 20 times, XXXX XXXX, and she didn't return either of our many calls. Ms. XXXX denied the fraud claim I brought forward and despite my repeated calls and requests for full documentation as to why the claim was denied. TD acknowledged that fraud had been on the account and for some reason they decided to deny this claim with the main reasoning that I had checked into the app. Unfortunately they never asked about the repeated times when I did try logging in and TD app would say it was unavailable. 

I was denied my Reg. E rights for a full breakdown as to why claim was denied. I also had my private investigator reach out to XXXX to explain he found malware on my computer which helped explain the repeated fraud. She never asked for a follow up. I've been on XXXX for the better part of 5 years and having money stolen along with my pay being slashed has been unnerving. The fact I've been ignored by TD has been even more upsetting. I've asked for simple checks and balances and not responding has been their course of action. I have an attorney who's done a one time consult with me who mentioned trying the CFPB and FTC since they gave some blanket response to the XXXX. That counsel has advised he'll take on my case if we're unable to make any progress here or with the Federal Trade Commission. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: AmeriHome Mortgage Company, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We bought our home with a VA backed loan on XXXX XX/XX/XXXX. We were later notified that the new loan servicer would be Amerihome Mortgage Company. 
We have always paid as agreed. 
When we applied for our homestead exemption in the County where we live, we were told that since the home did not previously have a homestead exemption filed, we would be charged the regular ( non-homestead ) amount for taxes this year, and the benefit of the homestead exemption would begin in XX/XX/XXXX ( a 50 % reduction in the tax amount ). 
When the taxes were paid by the servicer, on XXXX XX/XX/XXXX we realized that they had calculated the escrow amount to withdraw based on the expected tax with a homestead exemption and not the actual. This resulted in an escrow advance of {$230.00}. We called the servicer and explained what we saw and they said the servicer would be performing an escrow analysis in XX/XX/XXXX and they needed to see a certain balance ( I believe it was {$1600.00} ) in the escrow account or the payment would increase. 
We calculated the amount the servicer would need to have a sufficient amount for the insurance payment including the two month cushion as allowed by law and submitted that payment on XXXX XX/XX/XXXX ( as an escrow payment ) That amount was {$1700.00}, and set the amount in escrow sufficient to pay the upcoming insurance in XX/XX/XXXX. 
The homeowner 's insurance was paid by the servicer on XXXX XX/XX/XXXX, and there were still sufficient funds remaining to pay the normal tax that would be due in XX/XX/XXXX. 
We then received an escrow analysis which increased our payment from {$1400.00} to {$1600.00} for XX/XX/XXXX. That escrow analysis now used the higher amount for taxes in their calculation ( 50 % higher ), and were coming up with an incorrect escrow payment.

We have attempted to contact the company numerous times via secure messaging and submitted the tax notice from the County as instructed by some of their automated return messages. No one from the company will contact us, and we called last week XXXX XX/XX/XXXX, but the person on the phone just said someone would contact us, and acknowledged that someone should have returned a message. 
Now the payment has increased to {$1600.00} without any explanation as to why this occurred. We have tried to be patient, but at this point we need a mediator or dispute resolution help as this company does not wish to communicate with us at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Ditech Financial LLC
State: NE
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:
Ditech has been trying to say that I owe for a mortgage loan of XXXX that has already been delt with through a foreclosure in 2013 And it's been on my credit report for over 7 years. It also says on my credit report as a write off but still trying to collect. This is not right and they need to be reported for fraud. This is a debt that was handled through a foreclosure and should not be still trying to collect. I want this off my credit report now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions 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:
this has been an a issues for me, someone had stolen my identity what do to I do from this point on. this is crazy that someone is pretending to be me and causing XXXX in my life I did not authorize these accounts. these accounts are 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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this for myself and no one else, I recently taken a look at my consumer report and noticed some inaccurate info and Ive tried to reach out and havent gotten back any response while in the process of trying to better my situation and it is holding me back

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 2022-08-25
Company: FISERV INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Filed Dispute, company has not responded. Received only copy and paste of the letter they sent, with ZERO validation and ZERO additional information. This debt is not valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of XXXX XXXX XXXX XXXX XXXX. They received it certified mail and signed off at XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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 2019-08-22
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/19 I returned a water dispenser to XXXX XXXX XXXX. XXXX XXXX accepted the equipment and emailed me the return form which brought the balance down to {$0.00} as she stated I was only being charged for the equipment. She then emailed me a screenshot of her computer screen showing {$0.00}. I have now opened 2 disputes with both XXXX and Equifax regarding XXXX XXXX XXXX XXXX intentionally reporting incorrect information on all 3 of credit reports. The credit bureaus are allowing this with fake investigations even with me having documented proof the info needs to be updated and removed. When speaking with XXXX on XX/XX/XXXX, I got the run around and a younger XXXX XXXX XXXX with an aggressive undertone stating he'd call me back without even knowing who he was talking to. I made a 2nd visit to XXXX XXXX after this call to see if I could work directly with them to clear this up. I spoke with the route manager XXXX. He pulled up the account and verified for the 2nd time there was a {$0.00} balance. He couldn't find any existing bills. He gave me XXXX collections dept # to call, I called at XXXX and was left on hold with no answer until XXXX when they closed and phone disconnected. All of these companies are in total violation of fair reporting laws. I know for a fact XXXX can not verify I owe them {$340.00}! That's how I know the credit bureaus are not really researching anything. I will be opening up a complaint with the attorney general if this situation doesn't get researched and rectified at once!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/19 I XXXX XXXX contacted XXXX XXXX to retrieve my property and work tools ( massage table ) ( Massage Chair ) both were taken out of my vehicle and are being held for ransom by Regios Inc, they will not allow me to retrieve my property, This is an illegal being committed. I tried to speak to the manager but after a short conversation she hung up the phone on me and ignored my calls when I tried to reach her again, she was very rude and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I applied online for a XXXX 's store credit card through XXXXXXXX XXXX. I received a letter declining credit because Experian was reporting me as deceased.

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 2019-07-19
Company: Remitly, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used service of this company called Remitly for money transfer from my XXXX XXXX XXXX account to another bank account locate in XXXX. I send {$2200.00} on XX/XX/2019 and was promised that money will be credited on XX/XX/2019. I am writing this on XX/XX/2019 and there is no money transferred. Despite my several request either cancel my transaction and refund my money back or credit it in destination account, this company totally ignoring all request. Customer service is so worst that they even asked me if you want to go to law enforcement you can feel free to do so. They are even not telling us when this amount will be refunded or credit in destination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on TXXXX 1 ) XXXX XXXX XXXX  XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX. XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX XXXX, RI XXXX. Equifax 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX, RI XXXX 2 ) XXXX XXXX XXXX XXXX, RI XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 4 ) XXXX XXXX XXXX XXXX, RI XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX 6 ) XXXX XXXX XXXX XXXX, RI XXXX. I never lived at any of these addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive previously contacted XXXX XXXX via mail requesting the updating of inaccurate information ( late payments ) on my credit report.They sent a letter refusing to remove/ update the information on XX/XX/2020. Then After emailing their CEO explaining my issue I received a call XXXX/XXXX/XXXX. The representative wanted me to tell her my story and afterwards she told me they refused to remove the information again. Tell me that isn't unfair? 

I am very unhappy with the unfairness and inequitable practices of XXXX XXXX. 
After reporting the presence of inaccurate information on my credit report and requesting that the information be corrected. As accuracy is a measure of value, I was told that this information was valuable to my life and that it could not be changed. In addition, my reputation has been ruined as Ive been denied credit increases and extension of credit by multiple lenders due to XXXX XXXX reporting these late payments. 

According to 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted XXXX, Experian, and XXXX on XX/XX/2019 via certified mail requesting my personal information be updated. XXXX  and Experian keep asking me to send in additional documentation when I have sent them information past verifiable to prove that I am XXXX XXXX XXXX and that I reside at XXXX XXXX XXXX, XXXX, MS XXXX and that my ONLY previous or prior address is XXXX XXXX XXXX XXXX, MS XXXX. Please see attachments that have been sent.

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 2019-07-19
Company: Experian Information Solutions Inc.
State: RI
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 checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on XXXX I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. Experian XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and 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 2021-07-13
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
One day I checked my credit report and I noticed that someone I didn't authorize ran my credit for vehicle I never tried to get. I sent in written disputes but still I have no results. Can someone please give me assistance with getting these inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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 fraud alerts or security freezes

Complaint:
During the COVID crises I put several deferments on obligations such as student loans, car loans and credit card debt that subsequently showed up as delinquent on my credit report, thus exacerbating my ability to seek and secure employment. I would like to use get help from the CFPB to assist me with getting the most accurate and updated reflection of my financial history presented. Like many of us, I've faced some challenges due to COVID and would like to have a fair shot with presenting my employment profile.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I received information from the credit bureau that information that was disputed on my credit file came back verified. What seems strange is that I did their job and requested validation of disputed information and the information that was provided would not be be accurate. Bankruptcy being reported on credit file under incorrect spelling of name how was it verified as mines?? Also XXXX XXXX could not provide validation of debt so how was the debt verified of mines??

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