BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Caliber Home Loans, 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: Investigation took more than 30 days

Complaint:
Please research my credit history. You can see that it was great until XXXX XXXX XXXX. My Mortgage company ( Caliber ) has ruined my credit. Ive argued with them for over 6 months. Caliber management is adamant they are right, and more importantly, I am wrong. I filed a XXXX  claim against them back in XXXX and my account has been flagged. I cant speak to customer service about my account without having to go straight to a manager. This is retaliatory and unfortunate because customer service seams competent and helpful. 

Caliber, in ERROR, added escrow to my account in XXXX. They later corrected it in XXXX. However, they credited escrow for most of my XXXX payment. I found out in XXXX that they sent me a check in XXXX for the amount that was sent to escrow. I never received it, nor was I expecting a payment. I never received, cashed, or was wired any money from Caliber. Every month we are on the phone trying to figure out why they are sending us delinquency notices and why they say our account doesnt balance. On our end, we show that the amounts we paid equal the amounts we owe as of XX/XX/XXXX '. Customer Service saw our issue and promised a returned call by a manager. Finally, in XXXX a customer service rep tells me in mid XXXX that a check was sent back in XXXX. Caliber puts a stop on the check and reissues. So, in XXXX I receive a check, I deposit and send back to Caliber. Now they show my balance as resolved. Meanwhile, to the rest of the world, Im late paying for XXXX, XXXX, XXXX, XXXX, XXXX and maybe XXXX. 

If Im delinquent, why are they sending me money. Why couldnt they just keep it and not ruin my credit? A Caliber manager that I was forwarded to insisted that as soon as they wrote me a check for the escrow reimbursement back in XXXX, I was delinquent. If I havent received the money, Caliber still has the money. I didnt get the money until XXXX. Caliber management is not going to research anything. If their screen reads late. It is late. PERIOD. 

This all began by a Caliber error. My account should have never been thrown into escrow. My payments should have always been {$1200.00}. If Im late, it is just for XXXX and XXXX. That is when my wife was on the phone with them trying to figure out why they applied escrow to our account in the first place. Im not doing this because of the $ XXXX late fees. Im doing this because my credit that I spent 30 years building has been trashed in 6 months by a payment misunderstanding. 


Please help,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I used a Citi Simplicity Card convenience check to pay for dental work. The dentist office ( XXXX XXXX XXXX ) did not cash the check before it was expired, and asked me to give them a more recent check which I said I would do when came in for final work. 
In the mean time, some work the dentist did for my husband had broken off ( 1 XXXX within 21/2 years and a XXXX in front within less than 2 years ) he said he does not guaranty for this. I was afraid to let him continue to do work on me without a guaranty and do n't want him to finish the job, and I have no  confidence in his work. 
I called Citi credit card customer service to make sure the check I had given could not be cashed and they assured me the there was no problem. Three weeks later, I noticed that I was charged {$3200.00} to my card. I called Citi Bank customer service and they said they would investigate the complaint. They have not reversed the charge to my credit card. I do n't want to pay for the charge after they assured me there would be no problem. 
What can I do?

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 2017-09-05
Company: Bread Financial Holdings, Inc.
State: SC
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:
Hard inquiry appears on my credit reports - XXXX, XXXX, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
i have been trying to take my money out of coinbase but they would simply not let me. Coinbase keeps saying that I need to verify my address and such information and which is what i have been trying for 3 months. They continuosly give me automated messages and today i just received an email saying that I cant email them directly anymore. I have roughly {$3600.00} dollars in there. It is not a small amount of money. I need to be able to take it out and use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, DEPT of ED/XXXX acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-02-11
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out a Title Loan with Titlemax on XXXX. The loan was for {$1600.00}. I have already paid in {$2800.00}. I called for the payoff and they said it was {$700.00} so I borrowed the amount from my sister ... this did NOT pay off the loan. They kept the money and applied to all their fees instead. They still want {$1700.00} @ 158 % interest. I had no idea what I was getting into ... .I am XXXX years old living on $ XXXX/mo in Social Security and can not afford to give them more money. They call everyday saying they are going to come get my car ... .I am under so much stress because of this, I am having health problems. PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AXOS FINANCIAL, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 I disputed 2 transactions from my checking account with AXOS bank. When I tried to use my card it stated the card was no longer working they canceled my card with all my funds. I did not request or authorize them to do so I called customer service I was advised that if I had another account I would be able to wire the funds and I would receive the money the same day as long as the transaction was processed before XXXX XXXX XXXX XXXX. Everything was processed or so I thought I never received an email so I called customer service. They stated they were not able to look into my account and I would have to wait for a call back from a supervisor they never tried to get me a replacement card when I requested it they are contacting me to give me a clear explanation they are refusing to resolve this issue and they are holding {$1000.00} of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: NY
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:
In the beginning of XX/XX/2022, I reached out to Equifax about the unauthorized inquiries on my report. I informed them that i spoke to the creditors, they told me to reach out to Equifax, and I have a police report because my wallet was stolen. Equifax responded by saying that I need to send in disputes with my police report and my identification. I sent it out, I attached it to this complaint and proof of mailing. Equifax sent back another letter asking for the same documents requesting for me to send identification as they already received it. That's a stall tactic. They thought I was not going to respond. I sent out the same information that they asked for again. XX/XX/2022, they wrote me again asking for information again. This has to stop, they are not honoring the FCRA. They have a grave responsibility according to 15 usc 1681 ( a ) ( 1 ) ( 4 ) to report accurate information. These inquiries have been ruining my reputation. I cant even apply for the things that I want because of these unauthorized inquiries. 
I am demanding monetary remedy from Equifax due to the fact that they willfully furnish things without doing an initial investigations. Me as the consumer have been trying to rectify this matter and they have been playing stall tactics. It cost money to send out documents via mail. I want {$1000.00} for each inquiry that they allowed to stay on my report after I sent them all they requested two times. ACCORDING TO 15 USC 1681 ( n ) ( b ) ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. They are willfully in non-compliance. Equifax didn't even investigate when my personal information was pulled. Why we keep allowing this. I have my proof that they did not do any investigations after I sent them documents. This is my livelihood they are messing with. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax is in violation of this. Where is the justice, what will be their excuse behind this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: NC
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:
Credit report shows 5 Inquiries that are fraudulent, Need an extended fraud alert on my credit report with my number XXXX, am a victim of identity theft. 

the inquiries are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on 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 2022-07-17
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:
in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the Fair Credit Reporting act 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-17
Company: Experian Information Solutions Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
the breach comes from experian credit union and other thirdparties and there lenders started sending me bills after the breach of XXXX and other lenders as XXXX XXXX XXXX INQUIRY THAT HAVE ENTER MY CREDIT REPORT AFTER THE BREACH OF MY INFORMATIONS REPORT REMAINS UNTIL XX/XX/XXXX I NEVER HAD A CREDIT WITH XXXX XXXX XXXX  EXPERIAN CREDIT INQUIRY AFTER INQUIRY XXXX XXXX XXXX XXXX CA, XXXX XXXX PHONE BANK INQUIRYS XX/XX/XXXX XXXX XXXXXXXX XXXX  INQUIRY XXXX XXXX XXXX XXXX INQUIRYS FINANCES XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX THERE 2 INQUIRYS XXXX XXXX INQUIRY RESON UNSPECIFIED RECORD INQUIRYS UNTIL XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX INQUIRYS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  INQUIRYS 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 2017-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To XXXX, Experian, and XXXX this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4.  XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX, Experian, and XXXX. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

Thank You

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 2022-07-17
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: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry on my TransUnion credit report made by XXXX XXXX on XX/XX/2022 that I did not authorize. I called XXXX and the rep says there was no activity by XXXX on my account. I asked XXXX to remove the hard inquiry and the said to file a complaint with the FTC or get a police report. The FTC referred me to the CFPB to file this complaint.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, DEPT of EDXXXX acct # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In Accordance with the Fair Credit reporting act Everything has to be 100 % accurate on. my credit report The Credit Bureaus stated my account properly investigation in writing but how that possible if the balance is inaccurate last reported date is not accurate Also have inaccurate Original creditor Name. This is ground for removal. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Paypal Holdings, Inc
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/2020 I had a friend transfer money to a Paypal account I have. It was around {$600.00} dollars. I have not been able to withdraw this money since. I just want a check with my funds to be mailed to me but when tryingbto request my money paypal website leads you around in a circle. They want to redirect you to give more personal info and use their new banking sevices but I have a credit union that treats me fairly and has never held my money hostage before, so I want to stay with them. This is predatory banking and wrong. 

I was not able to get them on the phone ever. Nothing has been resolved yet. 

Also, since paypal is a bank of sorts they should offer a statement. It would be nice to request a statement for the life of my account to see the fees they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spent a long time and effort to build my creditworthiness and was actually looking forward to securing a mortgage in the next few months. To that end, I enrolled as an Experian member and monitored my credit regularly. I was able to get my FICO score to XXXX with a view to reaching XXXX ( good ) within a month or two. By XX/XX/2019, I did my best to maintain this upward climb. On XX/XX/2019, I was notified that there was a flag relating to my XXXX XXXX account of {$180.00} which I promptly paid off and closed since I never really needed and used it. My score remained XXXX. Then, on XX/XX/2019, decided to try the new EXPERIAN BOOST because I constantly received email about its benefit. I duly entered my bank account information as requested and that was when my woes began. My FICO scores immediately and dramatically fell from XXXX to XXXX. Then, interestingly, my scores were " boosted '' by 12 points to XXXX. Why would I prefer and settle for a " boosted '' XXXX instead of my original XXXX. Since then, I have called and spoken to EXPERIAN at least 4 times for an explanation for the drastic drop in my score without any prior notification in changes to my scores but, till date, no one has been able to tell me. In fact, one supervisor actually told me that the truth of the matter was that no one knew definitively why my scores dropped. One agent advised me to delete the information I had entered with the boost and I did but all that occurred was that the 12 point " boost '' and my score now fell from XXXX back to XXXX. Currently, my score has even decreased to XXXX ( Poor ) and still with no explanation. The Experian agents even seemed exasperated because I was insisting on having an answer to my question. The last agent I spoke to on XX/XX/2019, told me to seek the assistance of a credit adviser and, further, that they would not put in a dispute on my behalf because it had to do with FICO scores. He tried to show some sympathy by saying " I understand how you feel '' as if that sentiment was supposed to change anything. I feel that something went wrong somewhere with the " boosting '' but no one is able to explain or accept any responsibility. As for me, I feel very hurt that all my efforts to fix my credit have had a reverse effect. I don't know what to do anymore or where to go from here.

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