BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I just simply want to place a Credit Security Freeze with Experian and it is impossible! I have an account with Experian and I am properly identified. I can access my credit reports and so on. However when trying to place a Security Freeze on my credit is like they do n't know me and the service is not being offered at the same web site as I regularly log-in to access my credit report. Nevertheless and after providing all reque sted information the web site responds with " We can not process your request '' you have to send proper ID thru mail ''. That is crazy and defeats the whole purpose of trying to place a credit freeze. I will never send that documentation via mail because is not secure. They offer another service to upload the documents online and it also fails even though I follow carefully the instructions. They are useless and they should be banned as a credit monitoring 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
Consumer complaint received 2021-11-02
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not persuaded that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GS BANK USA ( Account # XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I processed a credit card payment for my business through a chase owned company called wepay. This was done on XX/XX/2023. The funds are still not in my account and the customer has been charged by their credit card company. There is no way to contact the department responsible for the review of the charge and all the customer service agents stated each time ; " Its under review ''. The review period per the terms and conditions is 1-3 business days. That time has expired. I have called numerous times and submitted numerous tickets to their system all of which have gone unanswered. When I call chase bank they direct me to the 3rd party company ( which they own ) and I get no where. I just want my money to feed my family and pay my bills and I shouldn't be out of pocket {$15000.00} because a company is not doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX. Spoke with representative about my 3 account and she notated that all 3 Would be paid by the end of the month XXXX XXXX another representative called about my accounts and I told her that I have already made arrangements on all 3 of them XXXX XXXX. Another representative called about my accounts and I told her again that I made arrangements and to please stop calling since arrangements were made yesterday and this makes 3 times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After submitting a police report, FTC report, and supporting documentation in regards to a fraudulent XXXX XXXX XXXX XXXX account for file number XXXX, today upon checking my most recent credit report, I became aware that the fraudulent XXXX XXXX XXXX XXXX account # XXXX have been placed back on my credit report without any notice to me or explanation. 
I have done all that I could do in regards to this fraud however TransUnion has refused to comply with me and the law. 
This matter must be expedited as it is adversely affecting me. 
Today, XX/XX/2019, I re-disputed this fraudulent account that was placed back on my report. 
TransUnion stated that e Oscar is responsible for corresponding with the alleged creditor. This is not substantial for such a case as mine. 
TransUnion does not even provide the entire account number for more precise validation. This is not fair and unethical to have an electronic database answer questions that a person should be responding to and correcting. 
I have been fighting this with TransUnion since the beginning of this year and I am still in the same place as I began. 
Since I have no more recourses, I must take additional steps to getting this issue resolved. I will be contacting their legal department at once if this account is not deleted for good.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: MD
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 first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-02-17
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am victim of identity theft and followed every step in the Recovery Process on the Federal Trade commission 's web page to no avail. 
I received a letter from XXXX telling me they can not remove the derogatory merchants rom my report yet I sent them tie letter from FTC SEVEN times! The last time certified mail return receipt requested but when they told me they received it, I think I threw it out. 
The letter stated that I made report in err or a nd should pay my bills!??? 
This has been going on since XX/XX/2019!

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 2019-11-01
Company: Caliber Home Loans, Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PREVIOUS OWNER XXXX XXXX THIS IS A FOLLOW UP FOR CASE # XXXX FILED WITH CONSUMER REPORT XX/XX/XXXX ALONG WITH CALIBER HOME LOANS RESPOSE LETTER, CLOSING COMPANY HAD CONTACTED CALIBER SINCE XX/XX/XXXX WITH SLOW TO NO RESPONSE. 
PER CALIBER REQUEST IN WHICH ALREADY BEEN PROVIDED BY CLOSING COMPANY. DOCUMENTS ENCLOSED ARE XXXX XXXX XXXX ACCOUNT # XXXX ( COPIES ENCLOSED ) ONE LOAN UNDER XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OK.XXXX HAS 7 PROPERTIES INSIDE THIS LOAN, ONLY ONE PROPERTY BEEN RELEASED XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, OK. XXXX THIS LOAN WAS SOLD BY XXXX XXXX XXXX TO CALIBER HOME LOANS XX/XX/XXXX. 
CALIBER LOAN # XXXX WHICH HAS SAME 7 PROPERTIES. 
PLEASE RELEASE REMAINIG 6 ADDRESSES PER COPIES PROVIDED. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: EQUIFAX, INC.
State: CT
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:
On XXXX XXXX I called Equifax to check the status of a dispute. I was unable to access my complete report, Equifax could not locate my file and asked me to send them proof of my identity to further process my request. It seems Equifax was updating my report at the time and it was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  opened XX/XX/2014 is an account that was fraudulently open 8 years ago. 

Yes this is fraud, however ; this is an account older than 7 years and must be removed on that very fact alone.

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 2023-02-17
Company: Experian Information Solutions 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:
There are unauthorized fraudulent accounts on reports from these companies, Ive never authorized or had a account with this company.

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 2022-02-01
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:
On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts Account Name ( XXXX XXXX XXXX XXXX XXXX XXXX are to be blocked and cease to be reporting on my consumer 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 2023-02-17
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX 15 U.S.C 1681 602 A. states I have the right to privacy.

15 U.S.C 1681 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no 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 1681 s-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 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 2023-04-01
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00}

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Inquiries on my credit report were not authorized and I do not have accounts with any of these companies

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 2023-01-31
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, has violated my rights.

1

5 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 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 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 2021-06-07
Company: LoanCare, LLC
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I'm on forbearnce plan with XXXX  XXXX XXXX XXXX i have been making my monthly payment from XX/XX/21. thats 5 months.=XXXX. they have not credited my account for these payments. Also, my bank states payments have been made. customer service transferred me and waitting over 1:30 minutes now for update on my account? tis has become very stressful. No one is telling me where my payments went? please help.

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 2019-11-01
Company: EQUIFAX, INC.
State: AL
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 victimized by your company reporting erroneous information. After several attempt of trying to rectify the matter with your bureau in civil manner, my attempts have been unjustified and ignored violating the FCRA and my rights as a consumer. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  went ahead and removed this bankruptcy public record from my credit report several months ago due to it being reported incomplete and misleading. But, unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out-of-pocket costs and expenses, and loss of personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD by the consumer laws. NOT IN COMPLIANT! 

Listen there is no way that you investigated this XXXX XXXX as accurate because I asked the court if they verify records with the credit bureaus and they stated and send me an attached letter that they do NOT, so how did you legally verify this?

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 2019-11-01
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage is with NewRez. My loan ID no. XXXX. 

I am in the process of refinancing my loan to a lower interest rate with XXXX XXXX. My original closing was suppose to happen by the end of XX/XX/XXXX but now I am scheduled to close on XX/XX/2019. 

NewRez sent an updated loan payoff letter that included an additional amount for my property taxes {$2300.00}. 

My escrow account at new Rez has a balance of {$2600.00}. 

I contacted the customer service at New Rez on XX/XX/2019 and requested a new payoff letter that did not include the amount for property taxes and after placing me on hold and checking with a supervisor the rep came back to the phone and told me that the new letter would be emailed that day. The letter was never sent. 

Myself and the loan officer from XXXX XXXX called new Rez today and was told that the payoff letter would not be changed. I asked to speak with someone in the loan servicing department and was told that I could not be transferred to that department. 

I have sent an email to the loan servicing department and waiting for a response. If I am not provided with a corrected loan payoff letter I will be forced to either delay my closing again or try to come up with {$2300.00} for closing in less than 24 hours. 

New Rez is currently holding {$2600.00} in my escrow account but yet they are forcing me to pay an additional {$2300.00} to be able to refinance my loan. 

I was told by the customer service and the customer service supervisor that is their procedure and when I asked to speak to her supervisor I was told that XXXX XXXX was not available and that if she was available Ms XXXX would give me the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
UNATHORIZED FRAUD ACCOUNT 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