BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I the consumer did not consent to, benefit from, or authorize the Capital One Auto Finance Account. Capital One Auto Finance is in breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sustained hail damage to my roof back in XX/XX/XXXX. It was not discovered until summer of XXXX. I filed a claim with XXXX XXXX. ( Claim # XXXX ). The roof was completed XX/XX/XXXX. XXXX XXXX mailed me a check for XXXX. I sent the check to Flagstar Bank for their endorsement along with the adjuster 's report. They sent the check back without the adjuster 's report for my and my wife 's endorsement and send it back to them. They cashed the check. I informed Flagstar the roof was completed back in XXXX. I have been back and forth with Flagstar Bank-loss dept. ( XXXX ) Asking for the check so I can pay the contractor. They told me they do not have the adjuster 's report and I need to send it to them. ( They have the adjuster 's report when I sent the XXXX check to them ). They told me they requested a copy of the adjuster 's report from XXXX XXXX the XXXX XXXX claim rep. I spoke to XXXX XXXX on XX/XX/XXXX, sat. evening when he called, and he told me he had already sent Flagstar the adjuster 's report. I called Flagstar XXXX XXXX and spoke to XXXX on a recorded line. She informed me they already have the adjuster 's report and will release the funds and order a roof inspection. The roof was inspected on XXXX XXXX. To this date, I have not received the check for XXXX. Can someone tell me what Flagstar is pulling? Did they invest the insurance company 's money and do not want to release the funds? It appears they are using the adjuster 's report as an excuse not to release the funds when they have had it all the long. I looked into my file last night, it said waiting for documentation??????

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: Premier Auto Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX the vehicle XXXX XXXX XXXX XXXX ( financed ) was stolen from XXXX XXXX in XXXX, California and XXXX. I contacted XXXX XXXX to open a claim. During the process of the claim XXXX ( Premier Auto Credit ) had retrieved the vehicle and sold it without the insurer properly surveying the damage. Furthermore, the finance company took 20 pictures of the car and did not provide any documentation or a full report about the car to XXXX. I have been a customer for years and paying on time and after the car was stolen XXXX immediately repossessed and sold the car.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a court judgement awarding citibank monetary damages for a debt that I did not incur. I was not given any notice of this debts owed or debt collection. I believe that they have put a lien on property that was previously in my name but does not belong to me.

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 2023-02-28
Company: Payfare International Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My previous complaint that I sent was there was additional charges on my account and they just disregard. They said the transactions were all authorized and made by me which wasnt. Attachment below is their response to my email. I have never once used XXXX XXXX because its too risky for my just having my card just added to sone mobile phone. I do not know who had access nor had my card at the time and they were able to access it. Now Im being blamed for my card being sent to the wrong address. I couldnt even lock my card from the app until its been activated and still now I still dont have the card that they were supposed to send. When I talked to one of the customer service about the fraud they had me update my billing address so its not my fault to have my card sent to the wrong address. They also had my account closed for no reason. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2022 I used my Chase personal checking account card to make 2 {$500.00} payments through the XXXX XXXX in the total amount of {$1000.00} to XXXX XXXX the owner of XXXX, XXXX. She does XXXX XXXX services and I was paying for the service. The first payment of {$500.00} went through to her bank which she confirmed that she received and accepted the payment. The second {$500.00} payment that I sent out to XXXX did not go through and it was flagged by Chase bank as a fraudulent transaction. I reached out to Chase bank to complain about the transaction that did not go through and they temporarily gave me my {$500.00} back. Ten days later they wrote me saying they reversed the payment and took the money back. I am upset not only did they deny my transactions but I never received a the full product/service that i wanted from XXXX, XXXX and when I reached out to the owner XXXX refused to give me the product or a refund. This caused problems between myself and her because I took a chance at sending this lady the money and I barely know her. I am writing to you because I want a full refund of {$500.00} from Chase bank for this inconvenience. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried setting an account with XXXX XXXX, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For a few months I have been in contact with XXXX and XXXX about not reporting a debt that I had yet to pay off on my report. Although they never officially validated my debt, I now have paid off the debt and i need that paid in full fulfillment to reflect on my credit report. Experian has recently deleted the debt entirely but I need it to show PAID IN FULL on my credit report now. I have the letters from both companies that reflect and show that I have paid off the debt.

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 2023-04-24
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XXXX Balance : {$1700.00}, XXXX XXXX Date Opened : XXXX Balance : {$42000.00}, XXXX XXXX Date Opened : XX/XX/ Balance : {$9800.00}, XXXX XXXX XXXX Date Opened : XXXX  Balance : {$18000.00}

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 2023-03-09
Company: Experian Information Solutions Inc.
State: MD
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:
I am currently in the process of buying a house in doing so I order my XXXX bureau credit report history and found that there are a verity of delinquent accounts and inaccuracies across all XXXX credit bureaus that is causing my score to fluctuate significantly and prevent me from being able to get a loan for a house. According to the Fair Credit Act 15 U.S.C1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
According to this law there should not be any damages on my report it is considered to be a deformation to my character.

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 2023-02-28
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we contacted PHH mortgage due to taxes not being in full and the funds needing to be sent overnight. Our checking account with XXXX bank had been garnished and negative {$1200.00}. The full amount deducted was {$1300.00}. We contacted XXXX XXXX XXXX department to find out what was going on and then contacted the mortgage company requesting for the funds in the amount of {$1200.00} be overnighted to XXXXXXXX XXXX XXXX department. The first representative we spoke to tried to say that they had no one we could speak to so that it could be expedited. We insisted on speaking to someone to further assist. We were transferred to the escalation line and spoke to XXXX, explaining that the full amount of the taxes were not paid and additional funds were due for the taxes that were now showing delinquent. We emailed the tax bill that XXXX XXXX XXXX department provided to us dated XX/XX/XXXX. We were told by XXXX it should take one to two business days. 
The next morning we checked the accounts and the other checking account with XXXX had been garnished and was showing negative {$1200.00} on XX/XX/XXXX as the funds in the amount of {$1200.00} for XXXX XXXX XXXX department was being deducted. We called PHH again and told them that our other account has now been hit. We expressed again how important it was to have the funds expedited. XXXX XXXX said they sent PHH the full tax bill of {$2300.00} in XX/XX/XXXX. I did have the homestead excemption that unfortunately was removed as XXXX XXXX stated they did not receive my form to keep it. They said they sent 2 more tax bills that we did not receive that showed the remaining amount of {$1200.00} as PHH did pay {$1100.00} per the first bill they received in XX/XX/XXXX. We have explained this to PHH multiple times. They keep saying the taxes need to be verified. Two tax bills have been emailed to them. My daughter works for XXXX. This needs to be rectified as the taxes are escrowed and we have been negatively impacted by this. We called again on XX/XX/XXXX and were told they are waiting to hear from XXXX as they already paid the taxes and the taxes are showing as being delinquent. We know this, we sent them that info. The taxes need to be paid immediately as we have expressed. Please help. We have XXXX negative checking accounts and items that would have been paid have been returned. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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:
I sent letters to consumer reporting agencies ( XXXX, EXPERIAN, XXXX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.

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 2022-04-08
Company: EQUIFAX, 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:
I sent letters to consumer reporting agencies ( XXXX, XXXX, EQUIFAX ) about those unrecognized inquiries requesting to delete them from my consumer report but still, they are ignoring my request. They are reported without my authorization or permissible purpose and are a clear violation of FCRA 15 U.S.C 1681b ( f ). I don't have any option but to seek legal remedy because it's really affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: I.C. System, Inc.
State: UT
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:
IC Systems reporting several inaccurate & old accounts on my credit report which should have never been placed on there. For one I never got a notice for any of these and they just place them erroneous accounts on my credit file. They should have never been sent to collections in the first place because I had/have insurance.

I have disputed this with ALL 3 Credit bureaus also and they are claiming they are valid and I demand to know how they got information showing it is valid because I would like to see that information!! They 100 % for a fact are not valid and they need to provide me this information or delete these accounts off my credit file.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief