BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is to complain about Caliber Home Loan mortgage, I used to pay off one more payment in XXXX of the year ; they never adjusted my interests to be lower ; I beleive they over charged me intersts for the past years- I like to ask them to re-calculate my interests and refund me the differences. 
Recent issue : On XX/XX/22, I called Caliber Home Loans to request a payoff. 
XXXX told me verbally about a final payment amount ; I reqeusted a written letter ; 5 mintues later, I received a writter letter with {$980.00} more, immediately I called back spoke to XXXX ( XXXX ), she said she would request a phone review and called me back in 5 days ; today is day 6, no one called me. On XX/XX/22 I paid XXXX overight a check to payoff my loan per their request. Today XX/XX/22 XXXX  tracking already shown CALIBER HOME LOAN has received my check ; but when I called back spoke to XXXX, she said that their system shown nothing received on their end, they held my check and did nothing about it. XXXX also said she did not see any phone review request in their system, and she did not know how to help, I requested to talk to her manager, seh said there's no manger at CALIBER HOME LOAN MORTGAGE to talk with. This bank is very suspeious, they calculated wrong my loans and interests and held my check but kept on charging me interests. 
I like to reqeust for a refund me money of {$980.00} the differences between their verbal and written letter, also the years wrong calculations of my interest over charged. Also like to request comsumer agency to invetigate Caliber Home Loan Mortgage 's business and system, to enusre no other comsumer like me had this kind of wrong treatments/wrong charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
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:
In XX/XX/XXXX, I filed bankruptcy. I also signed a reaffirmation agreement for my home loan and my auto loan. Ever since, XXXX XXXX, my home loan servicer, has not reported to the credit agencies, and has reported my open, existing loan, that I continue to pay for and I continue to be in possession of the property, as a closed account. This account is very much open and I am very much still paying on the mortgage. I called XXXX XXXX  on several attempts to rectify the situation with no luck. My most recent attempts were the last week of XXXX, when I spoke with a customer service representative, they said they opened a case on it. I followed up on XX/XX/XXXX, there was no notes in the account that I am trying to get a resolution. The girl stated she sent it to their legal department, she said she researched my file and was able to find my reaffirmation agreement. She stated that I would hear from the mortgage company by the next Tuesday. The following Wednesday approached and I still had not heard anything. I called Wednesday the XXXX and spoke with a supervisor that said he can not do anything, nor can he provide me contact information for their legal department. I followed up with another phone call XX/XX/XXXX and there still is no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a charge, which Im guessing is wage garnishment for a total of {$410.00}. I received this from Gurstel law firm pc. Never heard of them or from them till I was charged and I have no idea what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian XXXX and XXXX have violated Federal Consumer law.

1. Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting. Reporting inaccurate, erroneous, fraudulent information on my consumer report after given the correct information constitutes your willingness and negligence in breaking the law.

2. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft They have investigated and deleted in the past and reinserted without notice a violation and deletion is admission of error.

3. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance.

Consumer reporting agencies have the vital and grave role solely report infact they must correct or delete any and all inaccurate, incomplete, fraudulent or unverifiable information.Inaccurate, incomplete or unverifiable information must be removed or corrected, as pursuant to 15 USC 1681c-2 Block of information resulting form Identity theft within 4 calendar days and the above CRA 's are in thorough violation of that and I am seeking damages due to defamation of character liable and denial of credit due to their negligence and willful noncompliance with the below evidence that is attached below. 
The Credit Reporting agencies provide dark web monitoring services and are privy to the personal data and account information that have been compromised by thieves however remained willfully noncompliant in removal of the fraud without cause, causing severe emotional and physical distress loss of creditability, creditworthiness an inability to extend credit and multiple counts of violations pursuant to 15 USC 1692 ( e ) ( F ) in which I am demanding immediate restitution from each individual Consumer Reporting Agency in addition seeking immediate removal and permanent correction of all the fraudulent, late and erroneous data that they have continuously been reporting despite verifiable evidence of otherwise and that as the consumer the transactions where not consented by my authority and therefore they have no permissible purpose in reporting any debt that I the original creditor have not validated as Pursuant to 15USC1692h.

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 2022-07-29
Company: Resurgent Capital Services L.P.
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: Was not notified of investigation status or results

Complaint:
The LVNV accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. XXXX has been contacted multiple times and there has been no update provided on the status of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The XXXX accounts were withdrawn and settled In Court. These accounts are still showing inaccurately on my credit file. XXXX has been contacted multiple times and there has been no update provided on the status of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX XXXX  Account Number : 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 2023-11-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Credit Bureaus, I just got another copy of my credit report and still seeing inquiries that I have no knowledge of or give consent to. Once again, according to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.

The following companies did not have permission to request my credit report : Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

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 explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2022 i made a {$5.00} charge. The XXXX credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. XXXX  service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day XXXX  denies automatic payments were set up or offered. However, XXXX sent an apology letter admitting the service was offered, I did set it up, and XXXX service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX we traveled to the XXXX XXXX for vacation. While there, our CitiCard/CitiBank credit card was used against our will ; we were detained by a manager of a resort who used our card to process a payment for the entire resort stay, even though it had been prepaid in advance. We were held against our will for several hours, missed our flight back to the XXXX and were threated with being arrested if we didn't allow the manager to process the credit card with the fraudulent charge. The card was charged, and we were released. As soon as I was in a van heading to the airport I contacted CITI to advise we had been blackmailed and forced to use the card. Citibank said they would look into it, but eventually said they would not reverse the fraudulent charge. We advised Citi we were not going to pay for a fraudulent charge, and that this was covered under the terms of our credit agreement with them. 

A few months later, I lost my job when my employer closed their business. I contacted all of my creditors to make payment arrangement, including Citi. All other creditors agreed to close my account, stop interest accrual and accept payments for the balance. Citi refused to make any concession and because they refused to remove any of the fraudulent charges made in the XXXX I decided to use my limited resources to pay the creditors who were trying to work with me. 

Since the beginning of XXXX I've been working full time, and my income has increased substantially over the years. I have attempted several times to contact Citi to try to negotiate payment of the charge off, but they do not have the account and can not provide me with any information about who the account has been sold to. They continue to report the CO on my credit under their own name, with no information about who owns the debt. This is negatively impacting my credit and my business.

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 2022-12-07
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft and I have sent letters to both XXXX and XXXX XXXX informing them of a fraudulent loan account that is being reported on my credit file. I have sent multiple letters to XXXX asking them to remove this fraudulent account off my credit file. My most recent letter was sent on XX/XX/2022. I sent this letter certified mail and have the certified mail receipt and proof of delivery from the United States Postal Service. I have also sent multiple letters to XXXX XXXX informing them of the theft of my identity and asking them to remove this fraudulent account off my credit file. The most recent letter sent to XXXX XXXX XXXX XXXX on XX/XX/2022 as well. After sending multiple requests to both XXXX and XXXX XXXX XXXX XXXX has honored my request to have the fraudulent account information removed from my credit file. I also sent emails to XXXX on XX/XX/2022 and XX/XX/2022, with investigate credit in the subject line as instructed by XXXX. In these emails, I provided them a letter detailing the theft of my identity, and a Identity Theft Report from the Federal Trade Commission, and asked them to remove the fraudulent account from my credit file. These are the same documents that I have sent to XXXX as well. With these documents, I have included all the necessary documentation to prove that I am a victim of identity theft including identity theft reports, police reports, copies of my driver 's license, social security card, and proof of address. I need this fraudulent account information removed from my credit file immediately because I did not open any loan account with XXXX XXXX XXXX nor did I authorize anyone to open an account with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: IL
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-07-29
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I made a instant transfer from square cash app in the amount of XXXX dollars to my XXXX debit checking account. For whatever reason XXXX  declined the transaction and said the transfer declined and never accepted which was automatically sent back. Well its 2 years later and my transfer is still missing from both parties. Cash app keeps telling me to get the transfer information from chime but XXXX  says they dont have it. Cash app is saying they sent it as a merchant refund which is unacceptable because I didnt transfer as that. Now they arent trying to find my transfer. I need my money located and put back into my account by cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY 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