BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XXXXXX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : 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 explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2015-08-29
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX and on XXXX XXXX, XXXX I was injured on the job. Since XXXX XXXX, XXXX I have not been working and only receive workers compensation checks of {$330.00}. My workers compensation lawyer, XXXX XXXX XXXX has sent XXXX XXXX a letter explaining my financial situation and my income. I have lost my vehicle, home furnishings and anything I had of value to try to pay my mortgage. 
On XXXX XXXX, XXXX I made a payment of {$810.00} to a Representative named XXXX my confirmation number was XXXX. I have been watching my checking account daily for this to come out of my account as I live day to day and keep a very close eye on every penny. Today I called and spoke with XXXX and asked about the payment I made on XXXX/XXXX/XXXX, she said that it had been deleted. Much to my surprise I asked why and she could not give me an answer. I asked if I could please make that payment again and to please note my account that I had made the payment on XXXX/XXXX/XXXX. 
I suspect that the payment was deleted because when I first tried to make the payment on XXXX, I spoke with XXXX and he would not accept my payment because it was only a XXXX month payment and he said that per their policy he needed me to pay two months. I told him that I couldnt pay two months as I cant forsee if I will have {$810.00} by the end of the month. I tried explaining to him numerous times that I am due a settlement here very soon and plan on bringing the account up to date. I asked to speak with a supervisor and while on hold I hung up and decided to call back and speak with someone else. When I called back and spoke with XXXX she immediately took my payment without a problem. 

This company calls me at least XXXX times a day. I block the number and they call from a different number. They send people to my house taking pictures and leave notices on my door. I have confirmed that I still live in this house and to not come back on the property and not to be taking pictures, however, they still do it on a monthly basis. Just a few days ago the man who came out here was armed with a weapon on his hip. I told him not to come back on my property. We have received up to XXXX letters a day from them. It 's ridiculous. 
I am paying Selene a payment every month, they will not take partial payments, or anything. I have explained over and over my situation. I dont like being behind on payments, and I have only 2-3 more weeks to go and everything will be fine again. I just want them to take my payments and stop harassing me. Besides a letter from my lawyer and me telling them what has happen to me I dont know what else to do. 

Thank you for taking the time to read my problemXXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated this inquiry in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  Date of inquiry : XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2016-07-09
Company: Selene Finance LP
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Essentially what happened beginning in 2009 we had just completed a loan refinance on our house through XXXX XXXX XXXX XXXX. About two weeks after we closed on the refinance we began getting phone calls from XXXX XXXX XXXX and did n't know why only for them to inform us that XXXX bean had been shut down by the government, and that XXXX XXXX XXXX was going to be taking over our loan. They in mediately told us that we were behind at least XXXX payment which we could not figure out why because we had just refinanced. During this time XXXX being was telling us to continue to send them payments as well as XXXX XXXX XXXX saying to send payment to them. 
so for at least XXXX maybe four months we did not send the payment in to anybody and then we finally conceded to the fact that we should just send it to XXXX XXXX XXXX everything went downhill after that we tried to get caught up on those XXXX payments and they continued to not honor the refinance that we had done in 2009 with TBW. into XXXX XXXX XXXX XXXX XXXX decided to foreclose on us. we ended up getting an attorney who was absolutely no help because he decided to start running for state representative where we live. We tried twice to get a modification from XXXX, and they refused. We did n't know why! We kept trying! They finally agreed to a trial payment period! We paid XXXX trial payment and they immediately sold to Selene Finance! That led to another load of issues. XXXX said they could n't speak to us anymore, it was all selene 's! We kept making said trial payments-we were to make XXXX, we made XXXX! When I called to make a XXXX payment they REFUSED payment! They also insisted they had NO MODIFICATION info from XXXX!!!!! 
And now we are still facing losing our home!! Selene has sent us 'statements ' for the last year and a half. NO ONE ABIDED BY OUR REFI OR MODIFICATION!! They are trying to steal our home from us!! The trial payments we made? We 're {$200.00} MORE per month than our reg house payment EVER was!!!! 
THEY ARE WRONG AND NEED TO BE STOPPED!! I have been physically ill off and on since this all started back in 2009!!!!!! 
I fear my health will get worse or I will have a mental breakdown because of all of this!!! 
No one should have to deal with XXXX like this!! And it all goes back to our refinance never being honored in 2009 when XXXX took over for XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was going to purchase a car rental with XXXX and notices a promotion for a credit card that offered a statement credit and 0 % interest if I applied for it. Come to find out it's managed by Barclay. So, I applied and instead of being approved it stated more information was needed. I would be contacted back within 30 days. 
This is the second time this has happened with me and applying for a Barclay credit card. I did this with Old Navy as well to receive an additional % off and the same thing happened. I ended up not being able to use the extra % off for the purchase I was trying to make. 
In my opinion this is false advertising and possibly fraud. They're offering a promotion and then not approving consumers to get the promotion for the purchase. I have excellent credit and my debt to income is very low. So, there's no reason I shouldn't have been approved right away. I did this same thing with a XXXX credit card through XXXX last night and was approved right away with a high limit. I was able to utilize the promotion offered because of this. 
After this I called their customer service and eventually was transferred to their customer Security Department. I was informed that I was approved but my account number hadn't been processed yet. So, if I was approved 15 minutes after I applied why wasn't it approved so that I could use it for my purchase and the promotion? 
I'll tell you why!!! Barclay uses these promotions for a bait and switch. They offer them so people apply and then make it impossible to get the promotion for the purchase you're trying to make. 
THIS SHOULD BE ILLEGAL!!! Something needs to be done about this because it is a complete invasion of a customer 's trust. When dealing with a well-known company that is trying to handle our money, we shouldn't have to worry about getting screwed over. 
Thank you so much for hearing me out and hopefully handling this great injustice.

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 2022-11-02
Company: CIG FINANCIAL LLC
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 


CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NJ
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 noticed a Account on my credit I do not recognize US BKPT CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RCS. Residential Credit Solutions. Fails to post payments and insists they were not received ..after loan from an other bank is sent to them it takes months yo get any account number or statement. Phone service will tell you that statements are not required to be sent out..but how can you make a payment if you have no were to send it..they answer that is your problem..after many attempts at trying to resolve this issue they say your late and going to be foreclosed on..they leave you no option in the end but to agree to a payment plan with huge payments and high fees associated with it..this is a scam to try to put you into foreclosure ..rude people to deal with ... .I am not alone in this there are many complaints on line with others..why can a business get away with this obvious illegal behavior..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I are looking to purchase our first home and reached out to Cardinal Financial to complete an application and obtain a pre-qualification in order to put in an offer for a house we've like. We spoke to XXXX XXXX, Senior Loan Originator at Cardinal Financial ( NMLS # XXXX ). XXXX guided us through the process and then wanted to start the application over the phone. I was not comfortable providing my SSN over the phone, and wanted to provide it in the online mortgage application. XXXX was very insistent that I give him my social. I ultimately did not, and proceeded with the online application. XXXX emailed me later in the day accusing me that I had provided a fake SSN in my application. I was highly offended, but more importantly, I'm concerned about any potential SSN privacy issue. I would highly appreciate if CFPB can investigate this case with XXXX XXXX and Cardinal Financial more broadly on any potential data provacy/fraud issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Merchants and Professional Bureau, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Got a phone call from Merchants & Professional Credit Bureau a 3rd party debt collector using the the words Credit Bureau in their name ... .threatened me if I did not cooperate and refused to disclose who they are when I asked specifically. They told me my date of birth but would not tell me anything else ... .they also called my father and this is harassing me and my father! We are legal residents XXXX, and this debt collector is XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
Purchased a transact XXXX XXXX XXXX but NetSpend will not allow me an account and I'm having difficulties getting a refund on money I loaded onto the card they're supposed to mail a refund but I yet to receive it and it's going on four weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: NE
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 submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated this inquiry in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX  Date of inquiry : XX/XX/2021

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 2017-02-16
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
US Bank made a claim that I authorized charges and falsely claimed that they had XXXX ( XXXX ) recordings. I asked for proof that US Bank was truthful with me when they claimed they had recordings, but they did not address this issue. 
The only evidence that US Bank provided was signatures that purportedly matched, but US Bank did not offer any evidence to counter my forensic signature expert.

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