BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 

Please validate this reporting account to prevent further erroneous reporting. 
XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2021-02-25
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: Investigation took more than 30 days

Complaint:
Hello I am very distressed about this information on my report, I have been trying to dispute this with the bureaus and its been well over 30 days

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 2021-03-26
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I close on a mortgage in XX/XX/2020 with XXXX XXXX. They have since sold the mortgage to Caliber Home Loans. At the closing, there was an approximately {$3000.00} that was to paid off some debts. The debt in question was already being deducted from my paycheck. The lawyers agreed that after the full amount is paid through my paycheck, then I would get the check. That never happened. I kept requesting for the check with no real answers. As I was going through the closing documents I also notice that I never received an accurate closing documents with the actual expenses. The documents that I signed three days before closing were estimates not the actual expenses, because the estimates for the title company was different from what the amount on the title expense statement. This was confirmed by the original loan officer. I am requesting for a thorough recount of the closing process of the mortgage because I believe that I am currently responsible to pay back a mortgage amount that is not accurate. In addition, there was supposed to be a {$500.00} credit applied on the price of the house. This credit was not honored. Then I got an unpaid tax for 2020. 
I tried to resolve the problem with XXXX XXXX  with no success. So I am putting the complaints with the current loan servicer Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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:
please remove these unauthorized inquirys from my credit report, i have no knowledge of these 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 2020-11-18
Company: Eastern Account Systems of Connecticut, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this XXXX  collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
At XX/XX/XXXX, I was being phone scammed. And I was persuaded to transfer {$2400.00} through XXXX  XXXX  with the XXXX at Chase online to the scammers who were claimed to ICE officers, saying that I should sign an immigration bond in order to investigate the my " illegal actions towards alien registration number : Provision XXXX '' case, otherwise, they will detain me and expel me out of the country. And they were also claiming that the fund would be released if they completed the case and found out that I am innocent. At that time, I made two transaction : one is {$900.00} and one is {$1100.00} through XXXX. They were then saying they did not receive the transaction in real-time, and they ask me to purchase another {$2400.00} amount for XXXX  gift card. I purchased gift cards with my credit card. And after that, they were still demanding that they need extra {$1500.00} gift card, which I did later using the same debit card that I made transaction to, purchase another {$1500.00} gift card at XXXX. 

Above were all the money I lost, and I contacted Chase for at least refund the XXXX payment since this was the only thing at least I can still control and negotiate with the bank. However, they issued my credit at that time but they are now reversing the credit, pulling out again from my account without any notices and update on my claim. And I called to them for reasons, they are saying that, since I made the transaction at my behalf, it does not count as fraudulent activity. Let alone the whole negotiating process is being extremely time consuming, making me lost hope on them, and I am starting to think that, this type of service system is actually encouraging those scammers to continue their illegal action to gain money from innocents who did so many hard work for. 

Also, I contacted XXXX company, and they were pretty much saying the same as Chase, seemingly like that both of them could not take responsibilities for what I did, and they were even asking me if I can resolve and communicate with the scammer to retrieve my money. And I was extremely disappointed and helpless since this was the first time I had ever experienced it, and I was so scared along the process, yet I could not get any help from any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : Creditor Name : Factual Data Inquiry fromXX/XX/2018 + XXXX XXXX   XXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : 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 I have filed a Police report and a FTC ID Theft Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, my wife and I divorced and I was awarded our home and ordered to refinance the mortgage within 120 days or be forced to sell the home. I immediately contacted my mortgage company, Carrington Mortgage Services , LLC, to begin the refinancing process. 

Although I provided all documents requested on a timely basis, and paid {$600.00} for an appraisal, Carrington continually dragged their feet and did not respond in a timely manner to my phone calls and emails. 

On XX/XX/XXXX ( just shy of the 120 day time period I had to refinance the mortgage ), Carrington denied my application without just cause. I am now trying to refinance with another company and interest rates have gone up almost 1 percent. My ex-wife is also threatening to sue me for contempt of court. There is absolutely no reason Carrington should have spent almost 4 months on the refinance of my mortgage only to deny my application. They have cost me time and money and possibly the ownership of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CUSTOMERS BANCORP, INC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 XXXX XXXX In XXXX of 2020 I attempted to open an account with XXXX XXXX XXXX. To fund this bank account opening I used my bank that I use for my student loans Bank mobile. I requested that {$160.00} was to be transferred to the XXXX XXXX account and Bank Mobile confirmed that the funds were removed from the account. The funds were place on hold until I completed a verification of my Bank Mobile account. The verification happened when XXXX XXXX would send two deposits to my Bank Mobile account, the deposit is very small usually less than a dollar. 

XXXX XXXX completed the deposit to my account and I had a short amount of time to verify the amount with XXXX XXXX. After the deposit I was not aware of this verification system and I thought that the money had been deposited to the account the money never left Bank Mobiles hold on the money. 

Once I check the account there was a message stating that the money was pending and it stayed that way and was never completed. I called XXXX XXXX after a month of wait for the deposit and I was told of the verification system. And I was told that the deposits could be resent to the account and I had to wait three day for the deposit. The deposits for the verification happened just as I was told but now Bank Mobile is claiming that the money ( XXXX ) was sent to XXXX XXXX account and XXXX XXXX claims that the process was never completed and they never received the funds. 

An investigation was completed by Bank mobile they said it would take 30 days and then it was ninety days then 180 days to complete the investigation. 

XXXX XXXX said that they would do a three-way phone call to clear up the problem and I was also on board for the call, but Bank Mobile never want to make the call after I call and requested the meeting. The problem with Bank Mobile not take the meeting is that any information that XXXX XXXX had on the account was never used in the investigation. Because the only way capital One would be able to release the information is with me on a three- way call. And without calling me or XXXX XXXX, Bank Mobile completed an investigation. And concluded that I took too long to bring it to them. There was no mention of where the money is at right now. And this is not the first time that money has been in question with this account. 

I would like to get my money back with interest, action taken against the guilty party in this case. 





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 2023-05-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I canceled the transfer plan that was set up and then called to close my checking account with Citizens Bank. 

I spoke with a woman named XXXX XXXX or XXXX XXXX to have the account closed and she assured me that the account was closed. 

On XX/XX/2023, Citizens Bank initiated a {$10.00} auto transfer of funds from one of my other checking accounts ( with a different bank ) into this closed Citizens Bank checking account and they have yet to reimburse these funds ( {$10.00} ) and guarantee me that these invalid transfers will stop completely, as this is a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
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:
XXXX, XXXX fcra violation and Regions for not looking at the obviously mistake dropping my score under the required min to get approved

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion, XXXX fcra violation and XXXX for not looking at the obviously mistake dropping my score under the required min to get approved

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 2020-11-18
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the XXXX data breach and may have got into the wrong hands.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2020-07-08
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report.

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 2020-05-21
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Good morning. I want us to help me fix a problem with my banking. I got scam and I report that to my bank I deal with, but it seems like chase report me for something I did not commit. I am innocent, and any bank do not want to deal with me because of that. So I need help to fix that please. Thank you, I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, 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:
XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I contacted Quicken loans and spoke to a representative about the possiblity of refinancing my home with them. I DISCLOSED that my Chapter XXXX was discharged in XX/XX/XXXX and if they would be able to assist me with a refinance. I was told " Most Certainly. We could do an FHA loan and possibly let you know your best options, if any others are available ''. I inquired on how I could proceed with the process. They told me I needed to speak with a XXXX  representative as he only represented XXXX  transaction. I was connected with a XXXX  rep to begin the process. My credit was pulled and I was then told I couldn't proceed due to the Bankruptcy. I requested to speak with someone in their customer relations department about reversing the credit pull given they provided erroneous advice that sent me down a path to nowhere and as a resulted pulled my credit impacting my credit score. They said they would investigate. I then spoke with XXXX XXXX ( XXXX ) on XX/XX/XXXX who called me to apologize for the reps misrepresentation but they would not reverse the credit inquiry. They only resolution was an apology and they told me they would address the issue with training their staff ... XXXXSO WHAT ABOUT MY CREDIT! That's so wrong on so many levels!

Company response to consumer: Closed with explanation