BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: GA
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have unauthorized transactions on my Chase business account. Chase never investigated the claims and closed the dispute in less than 3 days. Chase refused to provide documents on what they used to determine those charges were valid. I was told they dont have any because none were used. Under federal law an account review isnt an investigation. They were supposed to submit documents to the business and request evidence that can be used to investigate the claim. My card was stolen. I was out of the country when these transactions took place. No way I couldve been in two places at once. XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Lemonade XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Personal information incorrect

Complaint:
I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX Fl XXXX I want all other names on my calendar edit file removed I want any addresses other than the one listed here on my report I want them removed. I have tried to no avail to get my name fixed on my credit file I have submitted copies of my DL and SS and still they have not corrected my name. XXXX has had my name I. Several breaches and just recently admitted to not putting correct information on consumers credit report. I want my name corrected and address and for my name not to be in another breach with any credit bureau.This is in violation of my rights and fair credit reporting act. This is my final resort contacting your office to help me fix this matter

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 2018-05-18
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Pelican financed my loan, I paid it off and they removed it from my credit report.

Westlake financial added a loan on my report and I never filed documents.

I cant get me title from pelican now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I was given this pay card from my employer and I hardly used it because the money I was saving it for college. In checking the account recently I noticed charges on the card I called and disputed the charges the alleged to have credited the money back to my account which should have been {$960.00} from my paychecks when I worked at XXXX  and now from what I'm being told someone was using my card for XXXX  rides and I don't use XXXX  or have a XXXX account and so I did yet another dispute and now different reps are telling me different stories and my social isn't pulling up my account thru the automated system. So at this point I just want my money back and I have been advised by my families attorney to do a document only police report so I will be doing that and I will make sure I hold on to all emails between myself between XXXXNetSpend Account # XXXX  XXXX XXXX  Birthdate XX/XX/XXXXLast four of social 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 2022-09-02
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The purpose of this complaint is to inform your office of the fraudulent and unethical business practices of Caliber Home Loans ( Caliber. The complaint involves my Forbearance of my mortgage payment due to the COVID-19 pandemic. 

During ALL my communications with Caliber, I have been emphatic about what I was willing and able to do once my forbearance had expired ; resume my monthly payments that I was paying prior to the pandemic, with a final payment for the COVID-19 Forbearance balance due and payable at the end of the loan ( Deferment ). I never wavered from this stance from the beginning, and up to this point. 

It is my understanding that Caliber knew this ; yet what is apparent now, is that they ignored my requests and through gaslighting and erroneously papering the record the are demanding that I pay back the {$26000.00} in bi-monthly, extra payments, or refinance the entire loan at a higher interest rate. 

At this time, I would like to open this complaint against Caliber, and possibly XXXX XXXX XXXX out of XXXX, South Carolina. But, please be advised that I have additional information to provide, and willing to supplement this complaint as needed. 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX Account # XXXX ), 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Meridian Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Meridian Financial Services and inform them that this debt is not my debt that this invoice which I received on XX/XX/2018for the very first time needs to be verified with the timeshare company which is XXXX XXXX but they have refused instead they request I call XXXX XXXX there client and inform them that this debt is not 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 explanation
Consumer complaint received 2021-02-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, I leased aXXXX XXXX XXXX. The lease was administered with Chrysler Capital. When the lease was up in XX/XX/XXXX, I requested an extension due to COVID-19. Even though I was given misinformation by Chrysler Capital, I continued to make all of my payments. I was never late or behind ; I was completely up to date. Every time I spoke with Chrysler Capital, I was always informed that I could not get an extension since I was behind. Each time I told them that I was up to date and after a long hold, I was advised that I was in fact not behind on payments, in XX/XX/XXXX, I discovered that Chrysler Capital had notified the credit bureaus that my account was 90 days past due, which was completely false. When I called Chrysler Capital, I was first informed that they had sent a letter to the credit reporting bureaus that I was in fact currents d they reported me in error. When I asked to see a copy of the letter, I was told no and that their records show that there was no problem with my account.To date, this 90 day past due is still in my credit file. As a result, even though I was able to get a loan when I purchased the XXXX XXXX in XX/XX/XXXX, I am sure that my payments are higher as a result of Chrysler Capitals false reporting of my account status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Sherman and Associates or the Sherman Financial Group keeps calling me, my family, and my place of work. They are stating that they are a law firm that is about to subpeona me to court. They also cussed me out for asking them what company they are with and for asking about the debt they claim I owe. They are calling my job everyday stating they are about to come arrest me or serve me with a subpeona.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to Transunion on XX/XX/XXXX in regards to inaccurate information they are reporting on my credit report. I checked my credit report today and they have not corrected any of this information and they also have not sent me any results back. I tried to get the furnisher to correct it also and they sent me back to the credit bureau who are not investigating. They are in violation of the FCRA by failing to provide results on their investigation, failing to respond in 30 days and failing to conduct a proper investigation.

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 2021-02-08
Company: CITIBANK, N.A.
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:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITIBANK NA., BEST BUY Inquiry Date XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the fair credit reporting act XXXX acct # XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX 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 XXXX has violated my rights. 

15USC 602 states I have the right to privacy.

15 USC 1681 section 604 states a consumer reporting agency can not furnish account information without my written consent.

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Almost years after the last late payment all three agency are reporting the above mentioned late payments and using it as leverage to wether or not I am extended credit and at what interest rate.

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 2018-02-18
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I sent a check to XXXX XXXX in the amount of {$780.00}. The XXXX office redeemed my check electronically. Then, they deposited the paper check into their account, resulting in a duplicate charge for the same check. On XX/XX/XXXX I discovered the duplicate charge and disputed it through my bank. On XX/XX/XXXX the bank concluded its investigation and permanently credited my account the amount of the duplicate charge, {$780.00}. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment for the duplicate check that had already been disputed and resolved. I opened a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX with instructions to cease and desist sending threatening letters from their collection agency for a debt I do not owe. I also sent a note to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a copy of the notice from my bank that their investigation had been concluded in my favor. In my note, I stated that I do not owe this money and that I expected the matter to be concluded. 

On XX/XX/XXXX I received a response through the XXXX XXXX XXXX from XXXX XXXX. They state they did not forward this account to collections and that my account has a XXXX   balance. 

On XX/XX/XXXX I received a second letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment. 

Either this is outright fraud or widespread incompetence. Either way, I do not owe this money. I expect XXXX XXXX XXXX XXXX  XXXX to cease and desist sending letters and to refrain from any negative reporting to credit agencies. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I was scammed by an " XXXX '' support tech. He was very knowledgeable and was able to log into my phone ( take over ) walking me through all the steps. He told my account had a charge of {$990.00} which I did not do. He said someone hacked my phone. He walked me through all my accounts to fix them. He said I needed to log into my Chase account and submitted 2 XXXX payments. The first payment was for {$490.00} and then he actually reimbursed me that. ( Got my trust ) then I sent 2 {$990.00} payments to him. He also stole {$400.00} from my cash app.He also tried to make purchases from my XXXX but that did not go through. He also told me to go to the grocery store and buy 2 XXXX gift cards for {$500.00} each. He would enter in the codes for me and I would get reimbursed on my XXXX account. He stole that as well. He text me from a number and we were texting back and forth trying to fix my phone as well as on the phone. I am so embarrassed I fell for this. I submitted a claim with Chase and they denied my claim because I authorized it. I thought i was just doing a " test '' on the phone with the scammer. ChaseXXXX should reimburse me and will fight this. I have been a long term Chase customer. I desperately need your help! Please and thank you!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Conversations via phone and mail were held by power of attorneys and XXXX representatives. They have failed to verify or validate their claim according to law. When identity theft was suggested, they removed a few of the reports from the bureau but not all. This situation dates back beyond the statute of limitations of any debt. This is the final attempt to have XXXX cease and desist before we pursue litigation for false reports, libel, and other violations of the FTC and the FCRA. 

The claim now is dated for XX/XX/2018. Clearly XXXX continues to not only falsey report an invalidated claim, but unlawfully renewing a claim which they initially dated a decade ago. 

C/O XXXX Account Claims # 's 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 2019-11-29
Company: Experian Information Solutions Inc.
State: VA
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2018-02-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Case # XXXX. On XX/XX/2017 I sent XXXX of a bitcoin from my mobile wallet to Coinbase. Funds never appeared in my account. Coinbase customer support haven't responded to any of my emails and no funds in my account to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a new credit account on XX/XX/XXXX with PNC Bank where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. 

I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at PNC and could not find the account in question as it did not show up in my virtual wallet that I set up with PNC personnel for all of my accounts. I worked with PNC personnel to try and find the account information. After searching PNC customer service figured out where the account information was located. I paid the amount due on theXX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that PNC never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. 

After I spoke spoke to PNC Customer Service I spoke on theXX/XX/XXXX to the PNC Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though PNC personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.

Company response to consumer: Closed with monetary relief