BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: Caliber Home Loans, Inc.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We began to fall behind on our mortgage in XX/XX/XXXX, we contacted Caliber, they appear to be very helpful and let us know we can take our back mortgage and divide it out over a 3-month period. You pay your current mortgage and part of your past due. We were given a new due date ( the XXXX and not the first ) so we are making our payments on the correct date, what they did not disclose is that even though we were making our payments on the new given date of the XXXX they were reporting it as late because it was not on the first. In XX/XX/XXXX we then went to them and did the mortgage modification plan, again, set up with a new due date. If all payments were made on time your mortgage was modified and you were given a lower mortgage. But is the Caliber style, the payments showed up as late. We now have ( 4 ) 120 days past due on our credit. We sold our home in XXXX XXXX and our mortgage was paid in full. I have contacted them several times, disputed this with not only Caliber but also the credit reporting agencies, they refuse to take the inaccurate reporting of late payments off our credit report preventing us from purchasing a new home. They take advantage of people desperate to save their homes and trap you in your mortgage with them because you cant get a loan or refinance with anyone else due to their predatory practices. We even tried to purchase a new home ( we moved our of XXXX  to XXXX  ) they offered us a new loan, but in the Caliber style of things, 30 % down, an interest rate at 8 % and over {$10000.00} in closing costs. We worked with Caliber for one year trying to get our mortgage on track, followed exactly what they said to do, paid on the days given to us by them and they destroyed our credit. If you are {$1.00} behind, they will report you over and over. They are unethical and prey on vulnerable people. I am shocked there has not been a class action law suite against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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'M HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE 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 2021-02-26
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
This is a complaint that was closed because the credit card company responded to you, but they didnt respond to me. Complaint number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XXXX XXXX, 2020 and I never received any reply. I then sent a follow-up dispute on XXXX XXXX, 2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.

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 2023-01-10
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:
This is my other 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 Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-08-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/2018 I had my XXXX XXXX inspected prior to turning in the car at the end of the lease term. I was advised that except for the tires, the car was in very good condition. The inspector advised me to replace the tires with good used tires. I did this, and returned the car to the dealer. Two weeks later, I received a bill from XXXX with all the end of lease fees, as well as a {$400.00} charge for worn tires. I called XXXX and informed them that the tires had been replaced. They responded that they would take {$200.00} off the tire charge. Rather than argue, I agreed. They said they would issue a new bill and I told them I would pay when I received the bill. 

On or around XX/XX/2018 XXXX called again to ask for final payment. I informed them that I was waiting for the final adjusted bill that they had promised. I was being sent in the coming days. I told them I would pay the be promptly when I received it. 

On or around XX/XX/2018 XXXX again called asking for payment. I informed them again that I was waiting for the final bill, and that I would pay when this arrived. They said they would check on the bill. 

Today, XX/XX/2018, XXXX called again asking for the final payment. I told them that no bill had been received, can they please email this to me. They said this was not possible, but I could pay online. I hung up in frustration, went online, opened an online account ( to view my lease account ) and found that the final bill was not available on their website. I opened a chat session, which lasted approximately 45 minutes, during which time I was told to " hold on a minute '' several times. I was told that the account had been assigned to " Deficient Accounts '' and that they could not post any information to my online account. They informed me they would send the bill again, but they were only able to fax me a copy ( they could not email it to me, they could not post it to my online account - though I can see all of my other bills ). I asked them to XXXX me the bill so that I can be sure that it arrives. ( I do not want them reporting this as delinquent against my credit report ). I also told them that faxing was not possible ( I have not owned or worked in an office with a fax machine for 20 years ). XXXX responded by saying - despite the fact no final adjusted bill had ever been received - that they could only mail or fax it to me. They also told me that I could send them a check for the pending amount ( despite the fact that I could not see the detail associated with the final fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: SYNCHRONY FINANCIAL
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 have several HARD INQUIRIES to banks and car loans that were identified as identity theft by me. I called to get these removed from my credit report and they are still there.

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 2017-09-20
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
As a current home owner, I reached out to Amerihome Mortgage approximately 4 months ago when i was not able to make my morgage payment. At this time I was 30 days past due, and contacted the customer service department to advise my payment was too high for me to pay. 
My mortgage payment was around {$1500.00} per month, which was not a problem. Due to the home being new construction, the taxes were not assessed properly or not at all and I received a statement advising that my new monthly payment was around XXXX per month, which i could not pay. Up until that time, my monthly mortgage payment was on time monthly. 
I contacted Amerihome and requested possible solutions to this issue, they were no help at all, they advised me that I must make the {$2800.00} payment or else. I asked if they would accept the {$1500.00} payment until I could find means to try to catch up the taxes and I was advised it would not be accepted. 
I started the paperwork for a loan modification as the agents advised me they would be willing to help me. 
This process took 5 long months! Unbelievable! Only to tell me that I do not qualify for the modification, but they would provide me with a repayment plan of {$4300.00} for 5 months, then {$2800.00} for the remaining months. 
Really??! If I am unable to pay {$2800.00} per month, which I clearly stated to the agents, how am I able to pay {$4300.00}??? 
I find their practices deceptive as they really are not interested in helping consumers, but wish to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a XXXX  and veteran. I live with my parents. I do not pay any bills ; therefore, I seldom check my account. When I did check my account, Bank of America had allowed fraudulent transactions totaling {$6200.00}. These transactions were during the months of XXXX, XXXX and XXXX. 
I put my money into Bank of America thinking it would be SAFE and that they had my best interest at all times. They allowed 5 to 10 transactions per day without ever contacting me. This is poor banking practice. Why didn't Bank of America help me protect my money? These are all fraudulent charges. Bank of America referred me to XXXX since all payments were made to XXXX. XXXX said Bank of America should pay because they allowed the deductions. 
Bank of America NEVER called, emailed or sent any notifications of possible fraud alerts.

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 2020-07-09
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
Delete the inquiries

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 2020-11-25
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XXXX XXXX, 2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX  must be held accountable and to the standards clearly outlined in the FCRA.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I notified the credit bureaus that the account XXXX XXXX XXXX for XXXX was not accurate and disputed this with the credit bureaus XXXX removed this inaccurate account from my credit because it could not be verified but XXXX and experian did not remove. How was XXXX not able to verify account accuracy but XXXX and experian could This is in violation of the fair credit report act.

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 2018-08-03
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was an XXXX DOLLAR CHARGE FROM 2013!! I PAID IT OFF MORE THAN 40 DAYS AGO. IT IS STILL SHOWING UP ON MY CREDIT REPORT ON EQUIFAX. THE PEOPLE AT XXXX XXXX XXXX ARE SO STINKING RUDE!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a Walmart credit card sometime XXXX using my EIN so I could set up business credit card. Capital One took over the accounts and flagged my card as fraudulent. They requested I submit a copy of drivers license, social security card and current utility bill from my residence. I also sent a copy of the EIN issued by the IRS. In my XXXX statement I noticed some charges I did not make and requested that they be removed. Capital One stated that the charges could not be removed until I submit a copy of my drivers license, social security cad, and current utilty bill. I explained I already submitted those documents and out of frustration didnt respond. My plan was just wait until I had the balance paid down then deal with the issue again and have the account closed. The account is now a little over {$100.00} and once the fraud charges are removed they will owe me money. I have once again attempted to close this account. I have submitted countless documents, written letters and they still wont close it or removed the charges in question. Case # XXXX account ending in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The very first conversation I had with an employee happened, I believe, in XXXX. I was on break at work, but about to clock in when I answered. I told her I was an worm and couldnt take care of it right now. Her response was, they would have to take legal action. 
Her notes reflect that I refused to cooperate and hung up. 
They proceed with legal, after not further contact with them. 
They attempted to serve me at the incorrect address. 
I made contact with them in XXXX, after I had been making payments directly to the medical office, which I had been doing though inconsistently, to set up arrangements. I also updated them with all my correct information. In less than a week of making payment arrangements, I lost my job due to COVID-19. I failed to contact them to tell them I was affected by a global pandemic. They never contacted me with regards to payments and proceeded with legal, again without having me served, so of course I was not in court. Now my assets are frozen for the incorrect amount for garnishment. 
Every conversation I have had with multiple employees, including the owner, has been condescending, disrespectful, unprofessional and/or completely dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
I have a line of credit with Macy 's and pay my bill online through Macy 's website. For the last XXXX payments, their website confirmed my payment was made and accepted. Time passes and I am notified by Macy 's that I never made my payment. Just like all prior payments, exactly the same way with no issues until within the last few months, this started happening. I would have had no idea I never made my payment. What happened after that is the XXXX big issue. They immediately reported me to the credit bureaus, reduced my credit limit and started calling me treating as though I was a criminal. I contacted them after the first time and said I made my payment your website accepted it and somehow it just disappears? They ultimately reversed the late charge, and increased my credit limit. Here I am again, make the payment online and they then contact me again, calling me, said I never made my payment, tacked on another late fee, reported me to the Credit bureau, reduced my credit limit again. I called them again, gave them the payment information and told them your website is accepting payments, confirming and then they disappear, there is a very bad problem with your website. I made my payment over the phone and they back out the late payment again. Subsequent to the last contact, within a matter of 10 days, they added another late fee ( and no payment was due ). I contacted them and have proof of my balance, I then paid off the account over the phone with the rep. and requested a zero balance letter, and confirmation. They took the money out of my draft account and now are billing again after paying off my balance. They have caused harm to my credit report XXXX times times when I actually made these payments, they continue to add fee 's that are not warranted. They accepted payment for the full balance on account and generated another bill with a balance after it was paid off, they need to be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Set up autopay with this vendor- there was a miscommunication as to the start date of automatic payments. Creditor agreed that the fault was mutual, but still reports late payment history to credit bureaus. 
Requested the removal of late payments reported, as they are related to this autopay mixup.

Company response to consumer: Closed with explanation