BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Grievance Notice under Clause 20of the Mortgage & 12 C.F.R. 1024.35 Selene Loan #  XXXX # 1-There is an auction on my property XX/XX/XXXX @ XXXX XXXX County Supreme Court # 2 XXXX  $ XXXX-I recently found that the Mortgage with XXXX XXXX did not have a legal/property/tax-description or tax map information only an address thus making it a void instrument thus making the judgment of foreclosure void which does not allow them to proceed with the auction or any other recourse. Document date XX/XX/XXXX recorded XX/XX/XXXX ( attached is also a copy of the mortgage with my signature and notarys proper signature that matches the samples I attached in # 5 ). Recorded mortgage states my home is a 2 family it is actually a 1 Family. 
# 3 XXXX $ XXXX-also does not have legal/property/tax-description or tax map information only an address thus making it a void instrument also. There is a blank paper with a stamp So in Original various times. Document date XX/XX/XXXX recorded XX/XX/XXXX # 4 Notary XXXX XXXX-was the notary on both files and was incompetent to the point because of his incompetence they also forged my signature on the XXXX XXXX XXXX {$320000.00}. I would think that he lost the XXXX file and then noticed that he didnt record the XXXX file so or the investor signed my name on the XXXX file. 
# 5 XXXX- samples of signatures from State and court cases ( he is also an attorney ) they are different from the signatures on the mortgages. They dont match at all. I believe someone was signing for him # 5 Deed with the proper legal description XX/XX/XXXX # 6 Samples of my signatures during XXXX # 7 Notes # 8 Limited Power of Attorney naming XXXX XXXX -I had been in the mortgage industry prior to this foreclosure action ( I had a massive XXXX ) for approximately 20+ years as an FHA Underwriter and a loan originator. In my training I know what a Legal Name is. If you look at the mortgage with my proper signature you will find I inserted my middle initial XXXX where needed. In the XXXX XXXX loan, it was done beforehand. Also, that if you sign in the wrong place it could void any legal document. 
-The attorneys involved have submitted to the courts documents that are of a Fraud and Forged documents that they and the banks knew of beforehand but completely ignored to proceed with this foreclosure. 
-I plan litigation under the following thus far ; 1 ) 18 USC 1341 : Mail Frauds and Swindles 2 ) New York Penal Law Article 170 : Forgery 3 ) Notary Fraud 4 ) NRS 357- Submission of False Claims to State or Local Government 5 ) Quiet Title Action 6 ) Fraud upon the Court for Perjury by Attorney for the Plaintiff And any other legal means that will be available to me to protect my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I asked to downgrade by Citi Prestige Card to a card with no annual fee. Citi did that and downgraded my card to a Citi Double Cash Back card. At the time I downgraded the card, Citi told me that I would have 60 days to use my Thank You Rewards Points. However, immediately, my points were eliminated. I called Citi and they said I can still use my points, but must book flights over the phone to do so. I was told to call XXXX ( both in writing and over the phone ), but that number simply gives you advertisements. I told Citi this when I called the number on the back of my card and they said to press " 0 '' when I called that number. I did, and it hung up on me. I finally called the number on my card and was transferred to a points redemption specialist. But that specialist said to book a flight over the phone, they said they would charge me a {$23.00} telephone booking fee. Even though I can not book the flight online. None of this was disclosed to me when I  downgraded my card. To the contrary, they simply said I would have 60 days to redeem my points.

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 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am writing to let you know, on XX/XX/XXXX somebody used my personal information and opened CAPITAL ONE BANK USA N credit card account. I did not consent to this account being opened ever! I learned about this account about 7 months ago, I connected to the Capital One Bank and closed the account that was opened not by me. The representative told me that the account was paid off, the balance was XXXX {$0.00} }. On XX/XX/XXXX I applied for mortgage loan and the company told me that I have negative closed account in my credit. I started to dispute as a result of identity on all the credit bureau and Cap One. I was connected twice with Capital One Bank and there is no any result. I made a written request of documents from the Capital one bank and XXXX  Credit bureau so as to know who was trying to open my account and to make payments. They didn't provide me with any documentation in regards of this matter. Last time I was connected with Capitol One and XXXX  it was on XX/XX/XXXX. Capital one and transferred me to recovery department, the representative ( the name was XXXX XXXX, promised me to help, when I told that I am trying to apply for mortgage loan, but I couldn't do it because of charged off account XXXX  told me my dispute was still in pending status. As of today I have no information from neither company. Now I am asking you for help to remove fraudulent account from my XXXX  Credit report. 

Account Information Creditor : Capital One Bank Account # XXXX Date Opened : XX/XX/XXXX My Information XXXX XXXX XXXX Mission XXXX XXXX # XXXX XXXX XXXX CA XXXX DOB : XX/XX/XXXX Social XXXX PH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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: In progress
Consumer complaint received 2023-06-15
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: Account information incorrect

Complaint:
Around XX/XX/XXXX we opened aa Credit Account with XXXX XXXX to shop on XXXX XXXX XXXX. We ordered some appliances which were delivered very late. 
XXXX XXXX never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the Creditor have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. 
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good afternoon, I have tried submitting dispute requests via mail to XXXX/Transunion, however they are not responding back at all no matter how many dispute letters I mail out. I know that this is not the correct protocol and I will like my disputes handled today. I am requesting the deletion of these below negative items that does not below to me. 

XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX XXXX not my account XXXX XXXX  XXXX unknown account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1977

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXXA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2020-12-18
Company: BARCLAYS BANK DELAWARE
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a bed from XXXX XXXX  They delivered the bed in damaged condition with stains all over it. While the delivery guys were still at my house I sent the salesman 17 photo 's of stains on the bed as well as damages the delivery guys did to my house. The delivery guys refused to take the bed back with them and left before I got off the phone with the salesman. XXXX XXXX submitted a FORGED Delivery Receipt with a signature that is supposed to be mine but isn't mine. In fact it just looks like a big " XXXX ''. It's absolutely ridiculous!!! So my credit card ( Barclays ) originally credited me for the purchase price of {$1300.00} but then they turned around and gave XXXX XXXX  back their money. I called XXXX XXXX XXXX  Corporate Office on the day this mattress was delivered and complained also. XXXX XXXX refused to come and pick up their mattress so I brought it back to their store myself. So at this point I am out {$1300.00} and have no bed!!!! THIS IS INSANE!!!! The NC Attorney General Is working on this also Case # XXXX XXXX XXXX. I'm filing this complaint in Delaware because my credit card 's HQ is in your state. Barclays XXXX XXXX XXXX XXXX XXXX, DE 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 2021-05-12
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:
My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 Experian XXXX XXXX XXXXXXXX XX/XX/2020 Experian XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2020 XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXX XX/XX/2020 Experian

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 2019-05-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Once a month I receive a phone call from XXXX XXXX XXXX, which claim they are a mediation company, the individual on the phone states they are attempting to collect a debt. After I verify that I am the the person they are trying reach with the last 4 digits of that social security number the operator tells me they are trying to collect on a Chase acct. I inform them that I never had a Chase acct, have not had the name they show on the acct for the last 6 years and I want the threatening calls to stop. After that they either put me on an indefinite hold or hang up on me. 

If I let the call go through to voice mail, it is a recorded message stating they are going to serve me at my home or office but the operators they can not verify either address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 were numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. I gave them a 30 day demand to compliance as I am able to legally. They have responded to me or provided any information. I am requesting to have these items removed. I only have 2 inquiries and that's for XXXX. Everything else was not done on my behalf.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: OH
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:
My credit is good. I applied for a ReFi on my home loan with XXXX XXXX- everything was great and we were going to close the loan in 2 days, when suddenly student loans and other derogatory remarks appeared on my report from Experian . As I investigated this matter thru Experian, I see that on my XX/XX/18 report, they added my sisters Student Loans, and other derogatory info to my report. Further, they changed my birth year to hers, and added her name as an AKA to my report. 

I did not get the ReFi because of this and so I called Experian Dispute Department. They still have not resolved the issue, and it should be further noted that XXXX   and XXXX has my correct information, but Experian has my sister merged with my report. If Experian is a data-operator, and not permitted to make changes, then how did this happen? I originally thought it was the Student Loan company that made the error, but I called them and they did NOT have my information on file, and there was no sign of my social security number in their records, so they couldn't have transposed or transferred that information to Experian, not to mention, all my sisters cfeditors are now on my report. 

I applied for another loan through another Bank and now they list my sisters derogatory creditors as the reason why I am being denied a LOAN.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
There is no purpose for these credit reporting companies to continue carrying information from old accounts on a credit report. It is done as punishment to keep credit scores low, although an account is paid in full and closed. They want people to buy their " products '' that will raise scores. It should be illegal for credit reporting companies to keep anything on a person 's report after an account is paid and closed. Maintaining something on a report for seven years is ridiculous. If you want to believe XXXX sayings about debt after seven years, go ahead but do not force the rest of us to live by it. Also, the credit scores fluctuate a tremendous amount for the smallest amount of activity on credit cards. Credit reporting agencies are a major reason for why people stay poor and are forced to pay higher interest rates. It is all so a corrupt and our government allows this to happen.

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 2023-11-16
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( 1 ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and is in fact a violation of my consumer rights. 

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 

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 explanation