BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: SD
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:
XXXX XXXX contacted me regarding a past due balance for a credit card that they claimed was mine. They then demanded my personal information to " Validate '' the account. I was then informed that the information that they had on record did not match mine and that the account would be closed and processed as fraud. I have had XXXX XXXX showing on my credit report as " Closed '' with a past due balance of {$1300.00}. I have contacted them every single month since XX/XX/2018 and they still are illegally reporting this as a closed account with a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE A COLLECTION ACCOUNT THAT IS APPEARING ON MY CREDIT REPORT THAT I'M NOT AWARE OF AND I THINK IT'S PART OF MY IDENTITY THEFT CASE. I WAS ADVISED TO FILE A COMPLIANT TO GET THIS ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 was thrown out from Bank of America without any explanation .I was rejected by XXXX banks XXXXBank of America refused to give me any reason other than " a business decision ''. 
After finding out I am not in XXXX XXXX I requested consumer report from XXXX XXXX. Bank of America reported account that was constantly in default and constantly overdrawn for over a year as an account that belongs to XXXX XXXX 
So they made their own mistake and not only threw my out as a XXXX, they prevented my business from opening an account in other banks for almost 2 month .Bank of America willful negligence costed me being about 2 weeks without money and 2 month out of business charges from my clients.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed

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 2022-01-25
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FACTS : Caliber improperly deducted two XX/XX/XXXX payments from my bank account via auto-draft on XX/XX/XXXX. From XX/XX/XXXX into the last week of XXXX, my account was showing due for XX/XX/XXXX ( due to the double payments ). 
Caliber reversed one of the two payments from my account before XX/XX/XXXX. My account was then showing and is now showing due for XX/XX/XXXX. I have never received a refund of the improperly deducted second payment amount of {$1000.00}, and it is not reflecting on my account! 
I discussed this with XXXX XXXX from Caliber by telephone ( after waiting over 40 minutes to speak to someone ) on XX/XX/XXXX. XXXX XXXX told me o Caliber converted to a new system and has a backlog o The duplicate payment was reversed and is in suspense o The duplicate payment should NOT have been reversed more than five weeks after the error occurred, which made my loan due for the XX/XX/XXXX payment o The payment in suspense will be re-credited to my account ; but at an unknown time, due to the backlog o In the event that the payment is not re-credited by the late charge date, I will have no late charge assessed nor will I have any impact to my credit report Caliber sent me a letter dated XX/XX/XXXX informing me o I owe Caliber {$2000.00} that is two payments! 
o There is no mention of my payment Caliber is holding @ {$1000.00} ( from the improperly duplicated debit to my account for two payments on XX/XX/XXXX )! 
o Caliber WILL report me to the credit bureau if I do not make the demanded payment by XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
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: Their investigation did not fix an error on your report

Complaint:
After reviewing my Equifax credit reports, I noticed several discrepancies related to accounts opened and balances owed. I contacted Equifax on XX/XX/XXXX to open up a dispute on the balance reflecting on two accounts. The first, on my XXXX   XXXX XXXX XXXX XXXX, Equifax is reporting {$29000.00}. The second was for a XXXX XXXX XXXX XXXX loan that reflects open with a balance of {$340.00}. Equifax emailed me on XX/XX/XXXX stating that the investigation was complete, verified and accurate. This information is absolutely false, and a direct violation of my FCRA rights. I am unsure how Equifax can make false statements and claim they verified information in 2 days, with 1 of those days being a holiday. 

The balance on my auto loan as of XX/XX/XXXX is {$19000.00}. This is a {$10000.00} difference that is affecting my ability to get approved by lenders. The second account, the installment loan, has been paid to a {$0.00} balance and closed as of XX/XX/XXXX so for an entire year, Equifax has reported incorrect information and when it was brought to their attention, they failed to do a thorough investigation, which has caused incorrect information to continue to reflect on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions Inc.
State: NY
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:
Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Account Type Installment Loan Date Opened 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 2019-10-21
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: Information belongs to someone else

Complaint:
Experian continues to list fraudulent negative accounts on my credit report. They are in violation of the FCRA. Report : 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 2022-08-17
Company: AMERICAN PACIFIC MORTGAGE
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I entered into a purchase Transaction with a buyer who supplied a conditional approval with her offer for acceptance from her XXXX XXXX XXXX XXXX XXXX American Pacific Mortgage signed by XXXX XXXX XXXX XXXX # XXXX. On XX/XX/XXXX XXXX XXXX communicated that all was on track for closing and borrower released loan contingencies for a presumed loan closing of XX/XX/XXXX. on XX/XX/XXXX Escrow officer reached out to XXXX XXXX again at XXXX XXXX and was advised that a closing disclosure had been requested and documents arriving to escrow soon. After missing the closing date XXXX XXXX stated she was working to have the loan close on XX/XX/XXXX. On XX/XX/XXXX it was stated XXXX was out of the XXXX and XXXX XXXX XXXX XXXX took over the loan on XX/XX/XXXX. On XX/XX/XXXX, Branch Manager communicated that the loan had never been approved or submitted to underwriting violating potential Reg B. requirements and UDAAP in order to secure a home purchase transaction for an individual who had not received a loan approval. The seller was deceived into accepting an offer and made to believe lending had been procured by XXXX XXXX. for the purpose of financial gain by XXXX XXXX. Branch Manager XXXX XXXX communicated to seller that he was not sure how the borrower was looking for homes as there was not a loan approval issued. He then asked for more time to obtain financing on the borrowers behalf and to add additional borrowers to the loan. On XX/XX/XXXX after the borrower being served an escrow cancellation request XXXX XXXX once again asked for additional time close the loan adding additional borrowers. As a result of the lenders inability to procure a loan for the agreed upon borrower the sellers have experienced financial harm, and have not been able to cancel escrow as a result of the unethical, Unfair and deceptive loan practices from the institution, that could not have been reasonably avoided by the seller due to the misrepresentation from XXXX XXXX, in having had procured loan financing. To date, at the direction of XXXX XXXX the Borrower has failed to acknowledge any loan cancellation or correspondence from the seller in attempt to coerce a loan closure between additional parties that have not been agreed upon. I formally request that the CFPB evaluate XXXXXXXX XXXX Sales Practices, as well as their adherence into Reg B, Fair Lending and UDAAP compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
None of the three major credit reporting agencies will issue my credit report after I had entered all personal information.

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 2016-05-04
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I strongly feel that my mortgage is consider to be " underwater ''. I have been min iiinn my in my home for 22yrs now. When I first purchased my home it listed for {$78000.00}. I just got approved for a balloon loan modification through the HAMP program. This loan was modified with a new principal balance of {$120000.00} with a 2 % interest rate for 20yrs and at the end of the 20yr loan period I will owe a remaining balance of {$55000.00} that will be due in XX/XX/XXXX. I am complainting because I do not know why I still owe this large this large amount of money on my home after 22 years of payments. I want to know where has all my money gone in the last 22 years because I feel like I am starting all over with this new balloon loan modification and no one seems to have the answers to my questions. In fact, I should just about be finish paying for this single family home in 8 more years. I first brought this home XX/XX/XXXX. Please help me understand my total situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Yes I feel I have been a victim of identity theft so I spoke with the bureaus about it several times and the matter still hasnt been resolved. I have inquiries on my report thats inaccurate!!!

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 2015-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I found out I was the victim of identity theft and when I tried to put a alertor freeze on my credit Transunion said my date of birth and address wereincorrect. So as far as I know my credit is out there being abused andthe credit reporting agency is allowing it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On  XXXX / XXXX / 2017  I noticed a hard hit on my credit report fr om Capital One B ank. Apparently someone has used my information to apply for a card. I have not done so.. Nor have I approved anyone else to.. I 've been working very hard to pay off my debts and improve my  credit score. The  hard hit only took off  XXXX  point but I ca n't afford to lose  XXXX  point ... The credit card help like informed me they could not provide me information about where the card request originated from. They told me all I could do was to mail them a copy of my credit report and a letter outlining the unauthorized card request . Hope for the best I guess. There is no department I could actually talk to about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Cooper Hoffman Klein Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I continue to receive calls from an automated recording from Cooper, Hofffman, Klein and Associates threatening to take an illegal action. I have contacted the number and asked that they please do not contact me at work as personal phone calls are not permitted. The individual that answered XXXX refused to listen to my request and would not transfer me to anyone else for assistance. She said that she had every right to contact me and that she was going to call " XXXX County Police Dept '' and file charges and that I should expect an officer to show up at my place of employment to arrest me. She refused to give me her fax number so that I could send a cease and desist letter to this organization. She then hung up on me. I called back later that afternoon and another person provided the fax number to me. I faxed the cease and desist letter to XXXX on XXXX XXXX, 2015 @ XXXX. Fax confirmation number is XXXX. I have sense received calls from this same organization on a daily basis with an automated recording being left on my work voice mail. I can not get them to stop contacting me and need assistance. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Square Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At XXXX XXXX on XX/XX/2020, I attempted to withdraw {$240.00} from my cash App card at an ATM Machine in a XXXX XXXX store located on XXXX XXXX XXXX, XXXX  XXXX, MD XXXX {$240.00} was taken from my account balance ( {$240.00} the amount I requested, {$3.00} ATM fee, and {$2.00} Cash App fee ). However, I did NOT receive any cash from the ATM machine. I have attempted to contact both Cash App and XXXX XXXX on numerous occasions and neither of them has got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: SC
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:
SOMEONE USE MY PERSONAL INFORMATION TO APPLY FOR THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I consistently have problems with Transunions website tool to freeze and unfreeze my credit file. This time they've locked my credit file based on their random questions ( they give you three when you call in ). First, I could barely understand the representative and after he spelled out the random question optional responses I was so focused on not understanding him I did not realize he gave me an option that wasn't the creditor but indeed the title company. Nobody knows the name of any company they get credit from except the brand through which they apply. These people should have there things tied AND since I have spoken to four people thus far, the latest which tells me the office I need to help me isn't open until Monday, none of which speaks english as a first language and is difficult for the untrained ear to cut through the accents. Transunion is the only company I have a consistent problem with and I've had to lift the freeze for a recent refinance and experience this clunky process. Even if I do not have my pin for the other two there is a simple way to recover because their websites work - they do not ask me questions, my social security number and birth date and then return a website response that states : " The TransUnion Credit Freeze Service is temporarily unavailable.

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open Monday through Friday, XXXX a.m. to XXXX p.m. Eastern Standard Time. 

Then you call them at XXXX Friday evening and they are not on duty AND I have no way of requesting a new PIN mailed to me until I speak to that department rather than request online. Who manages these online process?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Avant Holding Company, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or about XX/XX/2022, I received a call from an Avant representative regarding my late payment from XX/XX/2022. I explained to her that I had been very sick and was still sick in bed. The representative was nice and she offered to waive my late fee since I was sick, which I thought was very nice of her. The representative stated that when I was able to call back in a couple of days, the fee would be waived. 

I called back in a couple of days to make my payment and requested the late fee to be removed as the representative stated would be done. Instead of doing a credit while I was on the phone, they put in a request, which I received an email a couple of days later stating that the request was denied. I called back to inquire as to what was going on and no one seemed to have the basic comprehension or basic understanding of banking principles, that they were obligated to uphold what was offered by the representative to the customer. 

The misrepresentation from the Avant customer service team appears to be very unprofessional and highlights that they are untrained in basic consumer affairs regulations and principles as well. 

It is against basic banking principles and consumer affairs regulations, to misrepresent offers and or services to the customer. 

This has gone back and forth with them for a month and they were also warned and informed not to report the account 30 days late to the credit bureaus, since it is under dispute, which they did, in violation of the FDCPA and other regulations. ( Which again, they appear to not have any understanding of ) I have recently called to close the account and notified them that I will be handing the matter over to legal counsel to review my credit report for reporting violations and banking ethics violations. 

I will ask counsel to file suit in the XXXX of Virginia, asking for damages and remedy for the above banking and consumer affairs ethics violations. I will be seeking the maximum {$5000.00} in civil court damages as well as being responsible for all legal fees. 

This started out as a very simple late fee issue and has been turned into a mess by your associate company Avant. To me or any other customer, removing the late fee as offered and promised by their fellow employee, is and was just the point of the matter. 

In an email that they sent to me, someone tried to gloss over the fact of upholding the representative 's offer and promise, with gibberish from the basic cardholder terms, further insulting my intelligence, because the basic cardholder terms, had nothing to do with the offer and promise by the representative. 

They mentioned XXXX in a response to me, which again was written by someone who failed to address the correct facts of the matter and which only made you a party to this complaint.

Company response to consumer: Closed with explanation