BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
On XX/XX/2022 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 60 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: GA
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 XXXX, in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy,15 USC 1681section 6 0 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166b a creditor may not treat a payment on an automobile loan account under anopen and consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my XXXX credit report sun west Morgage is showing a negative effect on my credit report and that account with sunwest mortgage was not negative in any way..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed up for the haf program as listed on the caliber website I was approved and there is just a horrible delays with caliber processing the payment my forbearance is over this month they still havent posted XXXX payment I dont want to extend the forbearance but it looks like I will have to because they arent posting payment in a timely manner and Ill be receiving assistance for the next 12 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: TN
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 recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received notice that I had not paid my bill due in early XXXX. I sent them a copy of my canceled check in the amount of {$230.00} which had been mailed to the correct addres and was endorsed as deposited to the payee by XXXX Bank. Capital One responded that it was not their bank and refused to look further into why a check mailed to them had been cashed by another bank. My bank says that no bank would have endorsed that check as paid unless the account name was correct. Capital One simply said that I had to again pay the bill and they retained the finance charge and late payment fee as due. 
We have an excellent credit rating and do not deserve to have this payment shown as late, especially since we had actually paid the bill, which has not been disputed. 
The case number with CapitalOne is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CITIBANK, N.A.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
Citibank is giving me a hard time to file a dispute against a merchant, XXXX travel that double charged XXXX me for a service on XX/XX/22. I first filed the dispute online but the website didnt provide me the right option for the type of dispute I wanted to file and so I withdrew that dispute since it was not accurate. I tried to file another one online but the system wouldnt let me. I called citicards customer service and they supposedly filed the dispute manually for me and told me I should receive a temporary credit for the XXXX while they investigate. After not receiving the temporary credit, I called them again today XXXX, and I had to ask for a supervisor since the first person had no idea what I was talking about. The supervisor supposedly told me that they had to file it manually on their system under the following dispute number : XXXX, and that I have to wait 15 business days for a resolution and that they wont provide me any temporary credit because they had to do it manually.

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 2022-09-27
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Yesterday I ordered a wire transfer online to be made by my bank, Citibank. They suspended the wire, telling me that they had a new policy that al wires are delayed foXXXX XXXX XXXX. However, they debited my account by the amount of the wire immediately. So it sounds like Citibank has decided to keep the interest on all wire transfers for XXXX XXXX If this isn't illegal, it ought to be!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX I linked an egift card to cashapp, that day at XXXX the card containing XXXX was drained of XXXX dollars and left with XXXX dollar in the matter of a minute. I contacted cashapp on more than XXXX seperate occasions and I am still contacting cashapp over this. I filed a claim with the card company and I have filed a dispute with them and still I am waiting to hear back. Cashapp has ignored or blatantly been unhelpful and ignorant to the issue and avoiding all the direct statements I make. I will be filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize nor did I benefit from the inquiry listed below. Block and remove it from my consumer report. 

One Main Financial - XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data n my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX Balance : {$470.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$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 2022-08-01
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to XXXX about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my credit reports : XXXX XXXX* Balance : {$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 2022-12-09
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX XXXX XXXX  and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Arbor Professional Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 we filed a claim for {$60000.00}. It involved an XXXX XXXX XXXX man who obviously had very limited banking knowledge and he did not know how to complete the forms to withdraw that large sum of money. He was assisted by two Bank of Americas 16 miles apart to withdrawal {$30000.00} from each bank. One of the transactions included a {$20000.00} cashier check. Those withdraws were done on the same day and they were extremely irregular activities. We received a reply to a claim with someone else 's account number and claim date on it and it denied the claim because it stated someone reported a false forgery. Forgery was never reported in our claim. We believe Bank of America sent us information about someone else 's claim and never did an investigation on our claim. They are unwilling to give us an explanation or any information on why we never received an answer to our claim or why we received a letter with incorrect information on it. We spent months trying to find out how we would get the money back from the cashier check, but everyone we talked to did not seem to know a cashier check was involved in the claim. We suspect things were not handled correctly the day the incident was reported and our claim was never investigated. ( I ATTACHED A DOCUMENT FOR CFPB TO READ- PLEASE READ )

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 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a loan modification 2013 which gave me a balloon payment I cant afford

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 2022-08-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing the following information on my file. This item, XXXX XXXX Credit Card Account # XXXX is inaccurate because the account was opened on XX/XX/XXXX, not XX/XX/XXXX. I am requesting that the item should be updated as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing the following information on my file. This item, XXXX XXXX Credit Card Account # XXXX is inaccurate because the account was opened on XX/XX/XXXX, not XX/XX/XXXX. I am requesting that the item should be updated as it is affecting my credit.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX  Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$14000.00}

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 2022-09-27
Company: Professional Debt Mediation, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Professional Debt mediation isnt licensed to collect in Pennsylvania as well as Georgia Desired Settlement : Correction to a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00}

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2200.00}

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