BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I was looking over my report and I seen some company that I do not recognize XXXX XXXX, XXXX XXXX. I have never done business with company and I demand to see any and all documentation to make sure I am not being confused with someone else. 
I would like these account blocked FCRA 605B ( 15 U.S.C. 1681c-2 ) from my credit report asap. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit  reporting agencies in connection with accounts.

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 2018-12-10
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My account has been permanently limited ( unable to do anything on it ) without a reason given. I have fully verified my identity by uploading a picture of my SSN and Drivers License. I have uploaded an invoice for the items I sold on XXXX which were requested. Even after providing all of this information, they have still decided to permanently limit my account with almost {$3000.00} sitting in it unable to withdraw it. My email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: Home Loan Center, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was on my XXXX  yesterday and saw an advertisement for a mortgage with an interest rate of 2 % with and apr stated of 2.14 %. I swiped on it and filled out information for a call back, only to be told that lowest rate possible would be 2.25 % and I would have to pay an extreme amount of fees to get that, which would make the apr way higher than 2.14 % bc that takes into account the fees spread over the life of the loan. This is not just false advertising, its deceptive practice and is against the law. Lending Tree is the parent company that it went through, but it was also under the name XXXX, XXXX XXXX XXXX, XXXX ... .... they all are click bait for lending tree to sell my information to a local lender, who, has no clue what they are advertising and aren't able to deliver. This violates the advertising rules and is exactly what the laws were designed to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Negligence to refund escrow funds two months after closing transaction of the sale of the property. 
I am a real estate broker licensed in California and because I understand this process, I am demanding the refund of my escrow funds. I wonder what happens with borrowers that are not aware of this process. 
As today, XX/XX/2020 we haven't received refund and we only received unreasonable excuses by email and phone calls. 
On XX/XX/2020 the sale transaction was closed and there was an escrow balance of {$2000.00} refundable to us after paying taxes and insurance. 
Initially, after waiting for Freedom Mortgage to process the refund, we called Freedom for an update and we were told that the check was mailed to the address in file. The address in file it was the address of the house that we sold. I wrote an email giving Freedom the new physical address. Freedom reply XXXX that the check was mailed to the new address, BUT Freedom didn't include Apartment number and we never received the check. 
On XXXX Freedom notified me that have initiated the process of cancelling the check and 10 days after the old check would be voided, Freedom will issue a new check. Freedom wrote : " If the funds were not cashed, we will void the check, place the funds back into escrow, and then reissue the check in the amount of {$1800.00} ''. If " funds '' never were cashed, what funds would be back to escrow? 
On XXXX Freedom wrote : " We forwarded the request to void and reissue the check on XX/XX/2020 as well to the appropriate department. The target completion date for the escrow department to review the request is XX/XX/2020 ''. 
On XXXX Freedom wrote : " Our records indicate, that the initial escrow refund check has been voided and new check will be reissued within 10 business days ''. 
My wife has been calling Mortgage on XXXX, XXXX and XXXX and get different excuses. As today, XXXX, Freedom told my wife again that the check will take 10 business days to be processed and we should receive it at the end of this week!!! 
We are lost and we really don't believe all of Freedom excuses.

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 2023-02-18
Company: EQUIFAX, INC.
State: OR
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:
XXXX is listing a bankruptcy record that should be removed. I have disputed twice and they refuse to remove it. I explored a XXXX XXXXXXXX bankruptcy in XXXX of XXXX When the court told me what the terms and conditions would be, I withdrew and did not go through with the bankruptcy. Their public records section states that I had a Bankruptcy-dismissed. It was dismissed because I withdrew. There was no bankruptcy. 

I disputed the record with XXXX XXXX, the company that reports XXXX XXXX including Bankruptcies to XXXX. XXXX sided with me, removing the record from my XXXX XXXX files. I checked my files and indeed, XXXX did remove that bankruptcy record. 

On XXXX 's own website, they have a section called " Understanding Your XXXX Credit Report which states the following : XXXX XXXX Bankruptcy is the only public record that will appear on your credit history. Bankruptcy is a legal proceeding under which a person is provided relief from debts they are unable to pay. There are two primary forms of bankruptcy filed by consumers : XXXX XXXX  and XXXX XXXX. They are called " XXXX '' because they are defined by chapters in the bankruptcy law. In a XXXX XXXX bankruptcy, you do not repay any of the debt owed. Under XXXX XXXX bankruptcy, you are responsible for paying back a portion of the debts that you owe through a debt repayment plan. 

If your report contains public records, the XXXX XXXX section includes items from courts that XXXX may have obtained through XXXX XXXX XXXX XXXX XXXX, a third-party vendor. You may contact them at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, or by visiting XXXX XXXX XXXX 

Since XXXX removed the record so they are no longer reporting it, all of the credit reporting agencies including XXXX, should remove the record. I attached the resolution letter from XXXX that states that they removed the record. I have lost two potential credit opportunities, because of this inaccurate bankruptcy record, that they say will stay on my record for 7 years. This is totally unfair and unacceptable. 

XXXX states on my credit report that this record is potentially negative. It is much more than " potentially negative ''. I did not have a bankruptcy but I am being penalized as if I went through with it. Filing and exploring should not be reported as a Bankruptcy if you withdraw. There is no mention of this fact in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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 fraud alerts or security freezes

Complaint:
In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : XXXX XXXX XXXX XXXX fax Demand Cover letter Name XXXX phone Att XXXX security freeze Dept Fraud alert Dept After  explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my XXXX, XXXX and experian file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.

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 2023-05-23
Company: Consumer Adjustment Company Incorporated
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:
XXXX CONSUMER ADJ CO is a third-party collection agency reporting an account past 7 years old on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: EQUIFAX, 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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : XXXX XXXX XXXX XXXX fax Demand Cover letter Name XXXX XXXX XXXX XXXX security freeze Dept Fraud alert Dept After explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my transunion, XXXX and XXXX file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.

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 2019-03-10
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Company : XXXX XXXX Account # : XXXXXXXX  Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX XXXX  XXXX Account XXXX : XXXXXXXX Date Open:XX/XX/XXXX Balance : {$2300.00} Company : XXXX XXXX XXXX  XXXX Account # : XXXXXXXX Date Open:XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX Account # :XXXXXXXX Date Open:XX/XX/XXXX Balance : {$4000.00} Company : XXXX XXXX XXXX XXXX Account # :XXXXXXXX   Date Open:XXXX Balance : {$1100.00} Company : XXXX/XXXX XXXX Account # :601918XXXX Date Open:XX/XX/XXXX Balance : {$6100.00} Company : XXXX   XXXX Account # :XXXXXXXX Date Open:XX/XX/XXXX Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alabama XXXX XXXX when I contacted to the regions bank agent I filed a dispute which is unauthorized withdrawal on my bank account amount from {$10000.00}, {$82000.00} and {$2000.00} from IRS AND Long game transfer on XX/XX/XXXX and XX/XX/XXXX. the agent just requested me to enter the branch XX/XX/XXXX, XXXX in person they file dispute and claim form. up to 7 business days processed credit back XXXX account. it has never happened. I decided to call agent on the phone. it said deny claim. I was extremely upset and XXXX off. I felt like they didnt believe me. I did proofed show everything on my statements proof. build the boil the blood and build getting angry because of my bank account overdraft. they not help me nothing. thy didnt do anything to help me .I decided to file a complaint and sue regions bank I decide to sue regions bank amount {$200.00} XXXX deposit back on my bank, they better owe me. up to 5 days response me I want them paid for and sue regions bank {$200.00} XXXX. I felt like they have been discrimation me because I am 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 2022-11-28
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:
CREDIT REPORTING ORGANIZATIONS SHOWING ME RESIDING AT XXXX XXXX  WHICH I NEVER HAVE. ALSO SPEAKING WITH XXXX ( XXXX XXXX XXXX XXXX THEY STATED ACCOUNT /CREDIT CARD WAS ISSUED USING MY NAME IN XXXX FLORIDA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Wednesday the XXXX at approx. XXXXXXXX XXXXXXXX XXXX, my vehicle was broken into my apartment complex 's secure parking garage and my wallet was stolen. My card was used to make a transaction for {$62.00} at XXXX, which was obviously an unauthorized transaction. Chime told me that I would be unable to put in a dispute on the charge until it cleared ( which to me seems crazy in the first place ). Once it cleared, I put in a dispute, and within less than 12 hours Chime came back and said that they believe no error had occurred and they would be denying my dispute. I called support, and got them to re-open the case, and they had me send an email asking to re-open the case. There had been a police report filed, but I did not have access to it at the time. The call agent said that was fine and that I should just send an email now making a request to re-open the dispute case, and provide the further info that my card was stolen and used to make this transaction. I did as instructed and sent the email, as well as texted the detective on my case to ask for a copy of the report. Within less than 4 hours of my call, Chime got back to me and said that my dispute was once again denied despite the new information regarding the break-in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: U.S. BANCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This complaint is about the transfer of title when a loan from US Bank was paid off in XX/XX/XXXX. In XX/XX/XXXX, I leased a XXXX XXXX truck with XXXX XXXX. When the lease was completed, I purchased the truck with a loan from US Bank. That loan was paid off, and I expected a title to be issued to me. As you can see on the current XX/XX/XXXX registration, the truck ownership is still in the name of XXXX XXXX. The title should have been transferred to me when the loan with US Bank loan was open in XX/XX/XXXX. I have confirmed with the State of Michigan that the title is still in the name of XXXX XXXX. However, the State can only provide a copy of the title to the owner. Numerous phone call and correspondences to US Bank during XX/XX/XXXXhave not resolve this problem. When the loan closed in XX/XX/XXXX, the loan proceeds should have paid the transfer fee and sales tax. At that time the title should have been transfer to me. The Bank needs to contact its leasing company to correct this problem.

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 2020-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I purchased through finance a vehicle from XXXX XXXX. It was a XXXX XXXX XXXX. I acquired the loan through Capital One. The dealer offered me to purchase my XXXX in the purchase of a new car. Which they did. They sent all the documents to Capital One. Capital One. As of this day keeps charging me for a car that I don't have. It still showing in my credit record. After I've told them for the past 5 years that I don't have that car. The dealer sent them all the paperwork. If they have an issue ... Call them an quit herrassing. Accussing me of having under my possesion a car that the dealer kept. If they are so smart. That car has a chip. They can find out where the car is. Of course. Not with me. As they accused me. And placing this on my credit report. Which is causing for me not to be able to get good car because of high interest rates because of this vultures stealing money and accussing and herrassing about a car that is not under my possesion that it has not been for the past 5 years, and that the dealer sent all the documents to them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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

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 2023-04-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXX

Company response to consumer: Closed with explanation