BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. Transunion just removed two of the loans but XXXX and XXXX has not.

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 2017-08-17
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
RESPA Violations - First American Title Insurance Company is my title insurance company that I opted to take out a policy to have them defend me against any mortgage defects. Instead they went against me. The entire mortgage is not mine, forgeries admitted, title company owner prosecuted and went to jail for the same crime I 'm dealing with and 5 different settlements sheets submitted into court records and none of them match the Good Faith Estimate submitted by the alleged lender. Nothing matches including the escrow- their documents state there is an escrow, but I paid my own taxes and insurance. My name was forged on someone 's loan and 5 different settlements sheets have been presented with different sales amount, different signatures, different way of writing the date and nothing matches.The deed was notarized one year after the alleged settlement.
First American wants to cover up and hide the RESPA Violations and Defective Mortgage. The court case was civil and did not involve RESPA or Escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Very difficult to cancel and remove my information from the site. they make you call to cancel. You can sign up online but you can't cancel online. Good example of predatory marketing

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 2020-04-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In a prior CFPB complaint against Chase, I gave evidence that they had refused to compensate me regarding identity theft on my chase debit card. Please reference complaint XXXX. They had compensated me {$380.00}, and said they will resolve the {$170.00} by XX/XX/XXXX. I still have not heard a back about the {$170.00} despite Identity Theft being reported to the FTC and the sherriff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2022-07-09
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Early in XXXX ( probably in between XXXX XXXX XXXX Someone got into my PayPal account and added a debit card/credit card XXXX in XXXX expiration on XX/XX/25 ( VISA CARD ) with the billing address of XXXX XXXX XXXX, XXXX, NY XXXX as a payee- ( which is NOT my address ) On XX/XX/XXXX and XX/XX/XXXX, they transferred money many times until they emptied my account completely ( in a course of a few days ). 
XX/XX/XXXX - {$850.00}, {$870.00}, {$890.00}, {$950.00}, {$850.00} XX/XX/XXXX - {$830.00}, {$830.00}, {$800.00} TOTAL amount of {$5900.00} USD I contacted Paypal as soon as I saw it and they said it was authorized ( but I obviously didn't ). 
I opened an investigation with them which they concluded that it WAS authorized even though it wasn't. 

I am really upset. 

I never in my history with PayPal, I transferred those amounts on the same day like that. 
I don't have this debit card they added, nor I am not familiar with the address they used. 

THIS IS 100 % fraud and PayPal needs to take full responsibility on this matter! 

ALSO - On XX/XX/XXXX someone random ( XXXX XXXX ) deposited my PayPal account {$1700.00}. And then withdrawn it back in the amount of {$1800.00}!! 

I don't know the guy and they took MORE money than they originally deposited - I don't understand this at all! 

Something is connected somehow!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14
Company: STERLING BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2018 I went to the XXXX XXXX XXXX branch of XXXX XXXX XXXX to withdraw funds in the form of certified checks that I needed to sign an apartment lease. The bank employees told me that there were technical issues and they could not issue me the certified checks. They would not issue money orders and did not have the cash on hand. They said the other branches had the same technical issues. 
When I got home I tried calling their customer service number repeatedly and it would hang up on me. I tried to access my account online and kept getting an error message. 
This morning, XX/XX/2018, I called the XXXX branch to ask if the issue had been resolved and they told me it had not. I continued trying to contact their customer service and each time I am cut off. 
I do not understand how a bank can refuse me access to my funds and other basic services for multiple days. Also, they should at least be able to address my concerns through Customer Service or at the very least send out a communication to all customers that there is an issue and they are working to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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: Account information incorrect

Complaint:
I recently sent XXXX, Equifax, And XXXX Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: MI
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N Accordance with the fair credit act XXXX account # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Please note that you HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well over 60 days and still nothing!

Your FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im not sure if this is correctly routed as I am just the buyer on the home and not the seller but nonetheless this needs to be reported. After months of searching a super tough market and i found a home i could afford and that was perfect. It was a short sale so i had to wait a few months to go through the process. I got into contract late XX/XX/XXXX and we wen through all the proceedings and settled on a close date of XX/XX/XXXX. Ocwen and XX/XX/XXXX were the lien holders. We had extensions in place, my loan was approved, appraisal and inspection done and so much work and money put into other parts of the loan .... only to receive an email from XX/XX/XXXX ( negotiators on this deal ) that Ocwen had wrongfully foreclosed on the property without notifying anyone and breaking the contracts/suspension we had in place. The property i was to close on this week is sold. The investor who bought it is going to resell it but for XX/XX/XXXX more ... not something i have. This has been beyond devastating and heartbreaking. I am still in shock. This is beyond NOT ok.

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 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 'm a victim of identity theft. The following XXXX credit card account is listed on my Trans Union, XXXX and XXXX credit credit report and it 's a fraudulent and unauthorized account. I never applied for the following XXXX credit card account : XXXX. Someone stole my personal information and identity, and fraudulently applied for and used the above XXXX credit card account. The XXXX credit card account do n't belong to me, because I did n't apply for the account.

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 2022-02-05
Company: Social Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XXXX XXXX I applied for a personal loan with Sofi . I received a letter from the company stating that I was denied for a personal loan for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called Capital One on XXXX XX/XX/2018 to negotiate payment arrangements on a collection account showing up on my credit report. Spoke with XXXX XXXX, XXXX, XXXX XXXX, XXXX ( Supervisor ) and XXXX ( Supervisor ). I was told that the only payment option that would be accepted is a settlement amount paid in full and that payment arrangements could not be made. The account was in transition to be sold, but not sold yet. I am unable to make any payment arrangements with any collection agency because the account is still with Capital One. I spoke with several people. Finally, XXXX ( XXXX ) stated that he can only accept one payment for full/settled amount but could not accept payment arrangements. Payment arrangements would have to be made to the collection agency but the account was not sold to a collection agency yet. Capital one would not accept my offer of payment arrangements even though the account is still with their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2021-08-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CitI bank collecting for home depot. payment is due XXXX of each month. Payment is made XXXX of each month with XXXX XXXX online banking. Somehow a processing glitch occurs and account is charged a late fee of {$31.00} although payment is debited before the XXXX of the month. I have not charged anything since XX/XX/2021. Yet each month a bill is received for a late charge. Current statement shows a credit of {$28.00}. I have successfully had 2 late payments taken off and have changed the due date. Yet current statement still shows 2 late charged of {$63.00}. Spoke with a supervisor at Cit I bank last nite and he is trying to say I have a {$25.00} balance from XXXX yet it's not reflected on most current statement only late charges. I'm a senior on a fixed income who always pays on time. I'm very very frustrated with this mess. I spoke with XXXX XXXX on line customer service today XX/XX/XXXX seeking assistance but the only thing they can do is mail all monthly statements. Please help me this is affecting my credit score and my XXXX XXXX. I don't know what else to do. How can they charge a late fee on top of a late fee without a purchase balance?

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