BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF IDENTITY FRAUD. I RECENTLY FILED A DISPUTE WITH TRANS UNION A CREDIT REPORT AGENCY. THE REPORT HAS SOME INACCURATE INFO. THE PERSON WHOM THESE ACCTS. BELONG TO LIVES IN XXXX, KANSAS. UNFORTUNATELY THEY ARE USING MY INFO. TO OPEN ACCTS AND OTHER SERVICES. 

THE ACCTS. IN QUESTION APPEAR AS CHARGED OFF. THEY DO NOT BELONG TO ME. 
HOPE YOU CAN HELP ME AND OR GIVE ME DIRECTION ON HOW TO GO ABOUT BLOCKING THE USE OF MY SSN. AND OTHER PERSONAL INFO.

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 2020-07-22
Company: Square Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I was supposed to receive my direct deposit on my cash app car and then all of a sudden my cash app card is cut off. I tried calling cash app support and they stole {$150.00} from me and then started asking for XXXX pictures

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
it started XX/XX/2019 and they sent me a bill staying that i owe {$7500.00}. I sent multiple letters and called multiple times and they told me that they wont update my account due to me not giving my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Tried to cash a paper payroll check on Saturday XX/XX/XXXX the teller told me account was to new and could not cash it, when I got home from work I deposited it via the mobil app. As of today XX/XX/XXXX there is still a hold on my check. I have called boa several times and they are saying the reason is due to the check being a risk. I have contacted the employer ( owner ) who gave me this payroll check and he has told me and sent pictures stating that this check has cleared his account already and my bank has been paid. Due to this I had wrote a check for my rent prior believing the Money would be available. Now it's still not available I received a XXXX  insufficient funds fee and my landlord is charging me late fees. I do not have this money so I have to move out.

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 2021-05-19
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Basically according to the XXXX app ( paid version ) I have FICOs of XXXX XXXX XXXX According to these lending companies my fico is a XXXX Give it to consumers straight. If Im paying XXXX a month for a service dont give me false hope for being able to get a USDA mortgage Also, medical bills that were off my credit are now being reopened and added back as current debt owed. Bill from 2012 for XXXX for example Also credit card agencies are quick to report debt but extremely slow in reporting payments When you do pay off collections it takes months for them to remove but seconds to put it on your credit Credit repair agencies tell you to get credit cards and keep balances low. Even with low balances it drops your credit significantly Also with a mortgage I was told 45 days of shopping around without it affecting credit score. Im getting hit with hard inquiries left and right Please give me guidance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: MORTGAGE CENTER, LC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every month my statement comes later and later. My first payment was sent to my previous address and took over 3 weeks to reach me. Every month my statement is dated the XXXX of the month, I NEVER receive it before the XXXX or XXXX of the month. This month it is already the XXXX and I have NOT received my paper statement. I have called and all they want to do is take my payment over the phone or for me to do it online. I DID NOT sign up to do it that way - I want to make my payment in a timely manner through the USPS! They are making it almost impossible to do this since my payment is due on the XXXX of the month - I now only have 1 week to make my payment! If they have 'glitches ' in their mailing system, they need to address and CORRECT it! My payment is received and processed by them within 3 days of me mailing it - so I highly doubt that the issue is with the USPS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 Citizens Bank cashed a fraudulent check in the amount of {$4200.00}.

To date they have refused to reimburse me my money, even though it was clearly their error in cashing a clearly fraudulent check.

You sent me an e-mail stating the case was closed because company responded.

Citizens Bank has not responded and I do not have my money back.

This has gone on long enough.

Please investigate further. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As per XXXX XXXX, TD BANK closed my credit card opened in XXXX which was in good standing and had over {$10.00} in rewards because I was inactive since XX/XX/XXXX without notification of their intent. My card expires XX/XX/XXXX. My credit limit was {$6800.00}. My credit score is almost 800 and was reduced by XXXX point because of the closing. I have 2 checking accounts with them for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Obtained a mortgage through XXXX XXXX XXXX in XX/XX/XXXX. XXXX sold my loan to XXXX XXXX and Specialized Loan Service shortly there after. My certified mailing address was shown to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX recoded my address to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never received any mortgage statements from XXXX as they were going to the wrong address. I learned about the error on XX/XX/XXXX when I was checking my credit and noticed a 90 day late from SLS/XXXX. On XX/XX/XXXX I made the payment to XXXX  to catch up, and set up the mortgage to be on Auto Payment Drafting from my bank account so this wouldn't happen again. SLS/XXXX 's automated phone system allowed me to do this. However, what I wasn't aware of was that, SLS/XXXX will not let you set up auto drafting for 48 hours after a phone payment is called in. So, I thought I was set - auto payments would be made and I wouldn't have to worry about this property and the above happening with XXXX again. Unfortunately, even though the automated system allowed me to set up auto payment, SLS/XXXX   didn't honor that and I received another late payment mark on my credit because the following payment never happened. So, this time, I made the payment with a live person and set up auto drafting with a live person. Which is interesting because they allowed me to set up auto drafting even though my other payment hadn't cleared ... The long and the short is, SLS/XXXX has administrative issues and consumers are getting the short end of the stick. I greatly appreciate any assistance you all can provide in disputing this derogatory mark on my 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 2019-02-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my husband and I sent investigation requests to the credit bureaus. They were supposed to respond within 30 days, but they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When I refinanced, I had trouble making payments that were too high. I feel like someone could have figured out a way to make my monthly payment less than the original payment. I feel I was set up for failure on purpose since I was retired and had less monthly income. I winded up selling the house for a lesser price to avoid foreclosure. XXXX was my contact. Now that I look back, I believe the change in my income was of no significance to XXXX. He didnt have my interest at heart.

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 2018-04-16
Company: Experian Information Solutions 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:
I sent a letter to Experian on XX/XX/XXXX, asking them to investigate errors on my credit report. Well over 30 days have gone by, and I have not yet received a response.

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 2023-02-23
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: Reporting company used your report improperly

Complaint:
When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting agency may make any consumer report containing any of the following items of information Any other Adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Merchants' Credit Guide Company
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Merchant Credit Guide is attempting to collect on a medical bill that the hospital did  not handle correctly. I do not want to sue the collections company because they didn't create the issue. So if they can pass this issue back to the hospital I will move forward with suing the source not the collection agency ...

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At this time we, XXXX and XXXX XXXX are looking at filing a Chapter XXXX bankruptcy petition. We are receiving too many calls at our home and on our cell phones from the collection departments of the credit card divisions of many banks, and we need all communications to cease immediately. We have retained a law firm to handle our affairs, and we want all future credit card statements to be forwarded to the following entity : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Washington, DC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$46000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
There are unauthorized inquiries reporting on my credit report, I requested information that validates these companies pulling my report or validates the credit reporting agencies furnishing these inquiries and have yet to receive any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have filed with the FTC, I HAVE SEND LETTERS TO CREDITOR, I WRITTEN TO ALL 3 BUREAU 'S

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX credit card w Citibank We moved and we didnt receive notice from XXXX XXXX and they reported in paid balance {$200.00} and its ruined my credit score and I have tried to resolve w no luck and they wont except phone calls only fax w 60 day turn Arounc

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 2021-04-08
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: Information belongs to someone else

Complaint:
XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2019-11-06
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get my PMI dropped off my mortgage. I have paid over 22 % of my principle off. I have requested a BPO appraisal. I sent Caliber Home Loans a check for {$100.00} to go the appraisal. They said they tried to contact me but I did not get a phone call. I did get a phone call on XX/XX/XXXX. The phone call said SPAM ALERT and no message was given. I also got a phone call from XXXX XXXX ( I believe XXXX XXXX bought the loan ) on XX/XX/XXXX. XXXX XXXX said they would do the appraisal. Then the appraisal was cancelled. XXXX XXXX told me to call Caliber. I called Caliber and they told me that XXXX XXXX should not have called me and that they would do the appraisal. They told me that the appraisal would be done by XX/XX/XXXX. I called today XX/XX/XXXX Caliber said they are refunding my {$100.00} check and I can reapply. This whole process has taken at least 3 months and now I have to start over. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been a victim of identity theft. When I became aware of the fraudI I tried to find out the necessary steps to repair the damage that has been done. I noticed that many of my existing accounts had been compromised with fraudulent charges that weren't authorized by me. I was advised to get a police report, file a complaint with the FTC, and to send a notarized affidavit to the credit reporting agencies. I sent in the required documents and they removed the items that had been affected. Shortly after they removed them, Transunion decided to reinsert the very same items, and said that the items had been verified. That is a clear violation of the law and of my rights.

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