BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: SC
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNTS 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mortgage Loan serviced by " Caliber Home Loans ''. I trust, " XXXX '' is the Investor, as they sued me for Foreclosure. 

My mother XXXX XXXX sometime back and we could not afford the Mortgage payments. Hence we became delinquent and are trying to do a Short sale, for the last 8 months or so, to avoid a Foreclosure on our Credit Report. 

My 3rd party submitted several ALL CASH Offers, the last of which was about {$500000.00}. This Buyer is willing to close in 15 Days and take care of all the extensive repairs amounting to around $ 300K (  Inspection Report by a Licensed Inspector and a Repairs Estimate by a Contractor attached ), as also deal with the delinquent tenant. He is Ok with a Short Sale or a Note Sale, whichever is OK with Caliber.
But unfortunately, Caliber is stone walling all the Offers, saying that short sale/Note Sale is not an option at all now. They are not even giving any counter-offer, but only saying that I have only 2 options, namely : 1 ) Deed-in-Lieu ( DIL ) 2. ) Bringing the Loan Current by paying around $ 380K. 

I have told them several times already that both the options are not at all feasible, because : 1. ) There is a delinquent ( XXXX ) tenant, who has not paid rent for about a year now and I have started eviction proceedings against him ( copy attached ). I am told, as he is a XXXX person, the Courts would be much more lenient towards him and the case can go on for a year or more. So DIL is not an option at all. 

2. ) Secondly, to expect me to pay about $ 380K and  bring the Loan current is also a far cry, as I am bankrupt now. In the first place I was not able to even maintain my monthly mortgage payments, which is why, I am in this situation. So the 2nd option of bringing the Loan current, is also not at all feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is account reporting inaccurate information on all three of my XXXX, XXXX and XXXX   credit reports. I have tried repeatedly to reach AMEX/American express to fix the incorrect information on my credit reports. Its stopping me from getting a home mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An old paid off account that is reporting incorrect on my XXXX and XXXX accounts from Sears/CNBA. Its over 13 years old and still showing up on my credit report. Its hurting my ability to get credit.

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 2018-06-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX the bank charged me {$26.00} just because the the monthly payment of {$3000.00} which I made from my other bank was posted onXX/XX/XXXX instead of XX/XX/XXXX.

XX/XX/XXXXbeing XXXX XXXX  and bank holiday caused a minor just 2 day delay. The 2 day interest on about {$3000.00} came to be {$26.00}. I tried to call the bank to explain them the situation but the representative/supervisor wouldn't listen to me and was very rude.

I think this amount of interest just for 2 days is not a fair business practice and not acceptable. It would have been okay if it was for whole month. I was hoping the bank tele-representative would understand that and give me a favorable resolution. He didn't. When I said that I would rather close the account as this is ridiculous, he didn't care.

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 2021-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I recently sent dispute to capital one regarding a late payment, they have yet to remove this information. This late payment should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am very sorry to have Home Depot Credit card. I will not buy anything from Home Depot period. They tell people no interest for 6 months or 12 months with out telling them if you can not pay in full during this period you will be charged interest for whole amount you borrowed regardless how much you paid. Just not for the remaining balance, Even you only owe XXXX cents. Their interest is also out of the world. I request everyone to file a complaint with Federal Trade Commission about this predatory and foreign policies. 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 monetary relief
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS

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 2023-01-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ data added an additional XXXX dollars to my eviction. And there was another charge that wasn't in the contract. The contract I signed said legaly they were only allowed to charged me double with rent was XXXX. The total charge should be XXXX. Plus court fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Portfolio Recovery Associates, LLC is in violation of FCRA and FDCPA regulations by a reporting a collection account ( xxxxxxxxxxxxxxxx 8117 ) in the Other section of my XXXX  credit report. FCRA law mandates that all collections must be reported and designated to the Collections area of credit reports.

Portfolio Recovery Associates, LLCs wanton disregard for the law has been ongoing, and the attached documents of my most recent XXXX report ( XX/XX/2021 ), prove that Portfolio Recovery Associates continues to incorrectly report this collection account.

The first document shows that Portfolio Recovery Associates, LLC is reporting in the Other section of my XXXX  credit report. The second document shows no collections under the Collections area of my XXXX credit report, which is where this collection is lawfully mandated to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: NAVY FEDERAL CREDIT UNION
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:
My social security number isn't showing up on my credit report. Mine ends in XXXX. 
One that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a XXXX XXXX I can't even access it because I can't answer the questions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!

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 2018-07-10
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for credit card through XXXX XXXX on behalf of XXXX XXXX and XXXX XXXX. I have fraud alert on my Social Security number due to loss/sharing of personal information. The denial came in the mail. I called numerous numbers two of which went to XXXX XXXX XXXX XXXX and the last to this number was answered by XXXX : XXXX repeatedly told me to remove the fraud alert from my social security number - I explained to her that I was not comfortable with that. She kept telling me that. I asked for a supervisor and she disconnected the call after 18 minutes. 

I am absolutely unsure of this process but I do not trust someone telling me to remove a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a home in XXXX where I am originally from. The market for properties over {$400000.00} is very bad there. I lost my old job and found a job two hours away in XXXX, DC. We tried to rent or sell the property for months, listed at mortgage balance price, and received no offers. I reached out to the mortgage company, Carrington Mortgage, who explained that I was approved to do a deed in lieu of foreclosure or short sale because I had to take a job in XXXX, DC and move from where the home is in XXXX. I start a new job on XX/XX/2019 and will make half what I made before. XXXX said that they, and the VA, approved the mortgage for both a DILF and a Short Sale. They spoke to my agent and had him change the listing to be an approved short sale, which he did. They then reversed course a month later and said that the request was denied. They are making me reapply for a short sale again to supply the new income information. I feel this is inappropriate activity and am trying to work with Carrington but they are acting in bad faith. The negotiator told me that his manager told him that they are revoking the approval to do a short sale after five weeks of listing. We have repeat tours from a possible buyer and the mortgage company is playing games. The mortgage loan is # XXXX at Carrington Mortgage Company for a property we have vacated at XXXX XXXX XXXX XXXX, XXXX, PA XXXX.. 


XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX 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 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 2021-09-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
TD Bank XXXX XXXX XXXX  Target. File a complaint summons without offering me notices or letter to work with me regarding this account. Their lawyers harrass me by constant phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
State: TX
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:
unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Trans union received official documentation of my police report and affidavit proof of identity theft but they continue to report XXXX  XXXX account ending in # XXXX and XXXX account ending in # XXXX i will attach a notarized affidavit and i will attach proof of police report. Also checking my credit on XX/XX/ i have also found that XXXX account ending in # XXXX is reporting additional inaccurate information on my credit report which will be attached. Trans union reports last payment on XXXX account on XXXX XXXX XXXX reports last payment XXXX. Error number two same  account two different close dates trans union reads XXXX XXXX XXXX readsXX/XX/XXXX. Error number three days late trans union  reports 120-149 days late XXXX   says 180 days past due. Also the XXXX account ending in # XXXX is a closed account reporting monthly payments of {$230.00}. These errors on my credit report has been harming me financially and emotionally i cant continue my line of business with inaccurate information on my credit 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 2019-02-07
Company: Earnest Inc.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To make a long story short. Since XXXX of 2018 I have been using the APP to make my payments a month in advance. On XX/XX/XXXX I made my XX/XX/XXXX payment XX/XX/XXXX I made XXXX XXXX payment XX/XX/XXXX I paid XXXX XXXX payment XX/XX/XXXX I XXXX XXXX XXXX payment XX/XX/XXXX I made XXXX XXXX payment XX/XX/XXXX I made XXXX XXXX Payment XX/XX/XXXX I made XXXX XXXX Payment XX/XX/XXXX I made XXXX XXXX Payment Now the issue occurs when Earnest was bought out by XXXX and decided to change their system. In late XXXX XXXX I was informed they updated their system. The new system does not allow early payments. So EARNEST decided to take my early payment I made on XX/XX/XXXX and reallocate it to my priniciple. Then on XX/XX/XXXX they charged me again for my payment. I was basically double billed in XXXX when I had a balance of {$0.00}. When I called to get the issue resolved, I was told there is nothing they can do about it. That now my loan will just be paid off a month earlier then planned. This was not the point of this payment nor did I authorize an additional payment to be made. I authorized my XX/XX/XXXX bill to be paid on XX/XX/XXXX. Which Earnest had had no problem taking my money for, but then charged me again on XX/XX/XXXX because their " New System '' Cant process that correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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:
these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  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 XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: I.C. System, 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:
I am XXXX XXXX, there is no third party involved, Im submitting this info for myself by myself!

I did not consent to, authorize or benefit from the following accounts. Pursuant to 15 USC 1681c-2 ( a ) " a consumer reporting agency shall block the reporting of 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 by such agency. ''

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