BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I currently went through a divorce and needed to refiance my house to take my ex off the loan/house. I went with current morgage compnay ( PHH ) because they offered a steamline and I thought that would be quick and easy, that was XX/XX/XXXX in XXXX they informed me that there wasnt enough history that I was paying the morgage myself after writing a letter and proving that it was I that had always paid the mortgage. 
So then they offered another route so we did that and I was denied. PHH Mortgage called me In XX/XX/XXXX offering me a FHA Loan that pretty much was a sure thing and after numerious request of info ( that was provided multiple times, but always requested cause it was always changing hands ) it is now XX/XX/XXXX and my refiancing is still up in limbo and now they are requesting more info that was answered and provided previously. 
I purchase a few houses and refianced in my time and even in todays world with COVID everyone tells me 30days to close but 45days worse case.I can go on and on with Apprasal XXXX up to Supervsor not calling after requesting to speak to one numerious times All I can say is Im not sure what they are doing but I never expeianced anything like this before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: JPMORGAN CHASE & CO.
State: AR
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged XXXX ( my entire credit line ) by a merchant that I, at the time, had never heard of. I have never attempted to charge my entire credit line. I was not notified in any way by Chase that my credit card was trying to make an XXXX ONLINE PURCHASE. I would have NEVER approved of that. 
I filed my dispute to Chase on XX/XX/2020 while the charge in question was still pending. The representative that helped me sent a new card. My balance was back to the correct amounts, and everything appeared to have been resolved. 
On XX/XX/2020, I received notice from Chase that the chargeback was reversed, and that I was responsible for {$8000.00}. I immediately called Chase again. ( I never found a phone number for the merchant, and they still have not responded to any of the emails I have sent to their support team. ) The representative from Chase I spoke to this time stated I was responsible due to an IP Address matching an old phone that I no longer possess, and haven't for many years. IP Addresses get hacked all the time, and they also do not identify a person. It identifies a device, in which case, can also be faked or masked using software. 
Others that have banked and used credit cards with JP Morgan Chase have had this same problem, and were protected by Chase. I feel that I am being treated differently. This apparently happens so often that there are many news reports about it, and Chase didn't treat me the same. I have never missed a payment on any of my accounts. 
After reviewing all of my financial statements, I found a deposit from the same merchant on my checking account in the amount of {$3500.00} on XX/XX/2020, and have tried contacting PredictIt regarding this deposit that I did not authorize or request. ( no phone number, email only ). The {$3500.00} is still currently in the account due to not knowing how they wanting to fix the issue. 
There is still {$4400.00} that the merchant has not refunded to me. I did not authorize any service from this merchant to be charged to my card to begin with, nor did I create the account on their website. The support team finally responded to my email and closed the fraudulent account. I sent evidence to Chase confirming the fraudulent account was not created by me, and had been closed. Chase still made me responsible for the fraudlent charge. I still have the money from the fraud deposit and thought they would take it and make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: OneMain Finance Corporation
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When checking my credit report to buy a home, I saw One Main Financial listed. I called them to request a 1099c because the debt showed as charged-off and written off for {$6600.00} on both my and cosigner credit reports back in XX/XX/XXXX. However, it also strangely showed an updated balance of {$7400.00} as of XX/XX/XXXX. 

I asked the One Main representative to explain why they were reporting the debt this contradictory way when she stated it was not written off. The rep claimed it was not actually written off again, despite what the credit reports stated. I requested the 1099-C cancellation of debt form they should have sent me. The rep backtracked and said no 1099-C was available because the debt wasn't written off after all.

This confused me, since they seemed to be reporting it as written off while still trying to collect on it from me and the primary borrower. The rep told me to contact law office who now has loan, admitting she couldn't properly answer my questions. 
I'm very concerned One Main is being intentionally misleading and evasive about this debt they claim is not written off but reported that way. I'm seeking clear answers on why they are reporting and collecting on it contradictorily from 2 people as well as stating written off, which means it was filled on there taxes without sending me a 1099c form. According to the FCRA they are in violation as well as credit bureaus for reporting non verified information on my credit report. A written off or charged off account is a loss and is closed to any future charges. 
One Main Financial is reporting this account as charged-off and written off on my credit report, indicating they have canceled the debt. However, they are now suing me to collect on this same account. This contradictory reporting is inaccurate and violates provisions of the FCRA relating to consumer credit reporting rights. I formally dispute this misleading account information and request a full investigation and correction with deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: IN
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 Report Act 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 explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-20
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Dear Westlake Financial and Westlake Portfolio, I am writing to request investigate of the following information that appears consumer credit report : Dispute 1 Amount : {$25000.00} ( down payment included ) Years associated with item being disputed XXXX Explanation of item being disputed : The account in question is showing past due/delinquent payments and repossessed by this company. I havent sign a contract with Westlake Financial or Westlake Portfolio and have been requesting for a contract. I made attempts to get this matter resolved by calling Westlake with hopes of a supervisor help to resolve this issue. A request for a manager and supervisor email was ask for communication during this issue but no response. Now with that Westlake has violated many laws : 15 USC 1692a 15 USC 1692f 15 USC 1692k 15 USC 6802 *Laws Are Attached

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 2016-05-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My identity was stolen. False Macys purchase was resolved with Macys. The account has been closed. I get daily robocalls from a company claiming to be Citibank regarding the Macys account. Phone numbers are XXXX and 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 2019-04-08
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Prepaid " reward '' card issued by XXXX through " XXXX '' on behalf of Discount Tire. This method of rebate or reward should be regulated by the government in the same way as gift cards or other prepaid cards. We purchased our fairly expensive tires through XXXX XXXX instead of other retailers in part because of an advertised {$70.00} rebate. Turns out, the rebate comes in the form of a prepaid mastercard that is extremely hard to activate and has an insanely short expiration period, after which the reward is entirely lost. I knew that gift cards could not expire for 5 years, and foolishly assumed that I had that protection for these bogus cards, but it turns out that, by the time the rebate is processed and the card issued, I had less than 5 months to use the balance or lose it. This is insane and unfair to consumers, it's essentially a bait and switch. The company issuing the card is doing so with the intention that many people who are drawn in by the offer will not be able to use it before it is invalid. Even one year would be more reasonable than this!

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 2021-05-04
Company: BAM Management US Holdings Inc.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
MY NAME IS XXXX XXXX AND I OPENED AN ACCOUNT WITH BINANCE.US ( ACCOUNT # XXXX ) 6 MONTHS AGO AND HAD NO ISSUE WITH TRADING UNTIL APPROXIMATELY XX/XX/2021 I SUDDENLY WAS BLOCKED " PENDING VERIFICATION ''. I HAVE SUBMITTED FOR 2 WEEKS NOW 3-4X DAILY MY GOVERNMENT ISSUED I.D AND BANK STATEMENTS REPEATDEDLY TO NO AVAIL. 

MY ENTIRE LIFE, S SAVINGS ARE ON DEPOSIT WITH A CONCENTRATED POSITION IN DOGECOIN AND THE RISK NOW IS THAT ASHOULD THE VALUE DROP TO XXXX I RISK LOSING ALL MY SAVINGS. 

I HAVE DEMANDED THEY EITHER TERMINAATE AND REFUND MY ACCOUNT OR " VERIFY '' WHICH THEY BOTH REFUSE TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My Mother opened a Trust acct with XXXXXXXX XXXX in XXXX XXXX XXXX XXXX purchased by SunTrust XXXX then purchased by Truist XXXX After my mother passed, we presented her death certificate and trust documents. But in the mergers, the bank lost the signature card and the original trust agreement. While we were denied access to the account, the delivery adress went dormant and they began charging undeliverable stmt fees. After multiple attempts, the XXXX branch finally executed a new Trust agreement and gave us access to the account. The undeliverable fees were never refunded. Given the .01 % interest rate, and the lack of refunded fees, we decided to close the acct. Due to Truists ' online policies, the " final '' withdrawl left {$2.00} in the acct. I contacted Truist online with my desire to close the acct. Two months later they had added {$30.00} in monthly fees and a {$30.00} charge off fee. They now want {$58.00} to close the acct with {$2.00} that they had overcharged. I complained about the fees on XXXX and was blocked from commenting on Truists ' XXXX pages. So not only did they charge exorbitant late fees for their inabaility to close an account, the inhibited my ability to share my factual story with others.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: GA
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:
All three credit reporting agencies broke the law and used my identity without my consent. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) congress makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. There company has practiced unfair credit reporting methods. They took information from alleged creditors, and debt collectors then proceeded to report this information without consulting with me to confirm whether such infirmation was accurate or not. This in fact gave the furnisher of this innacurate information an unfaur advantage over me... This information is inaccurate and i need it removed...

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 2021-05-04
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was opened on or about XX/XX/XXXX  with XXXX XXXX XXXX XXXX A balance of {$5100.00} is being reported to Equifax as Collection account. I was victim of identify theft and previously submitted dispute of accuracy to my reporting for this item, however XXXX XXXX XXXXXXXX XXXX and Equifax never properly verified the accuracy of the account with me and never had my consent to disclose any private information to any other parties. Yet Equifax is still reporting this item despite violating 15 US Code 1681 and FCRA. 

I am aware of my right to privacy under the FCRA. Neither XXXX XXXX XXXXXXXX XXXX nor Equifax have provided any proof of me giving them my consent to disclose or furnish my private information pursuant to 12 CFR 332.4 which is a direct violation of my right under the FCRA as well as the CFR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting 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 or my 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