BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 my fourth 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I, XXXX XXXX  XXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
CAPITAL ONE you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation CAPITAL ONE you are reporting a charge off account, and from the defination of a Charge off account ( XXXX XXXX XXXX XXXX XXXX XXXX ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes. 

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit. 
Remove reporting of the charge-off account from all consumer reporting agencies. 
Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see the attached letter for info request for all monthly mortgage statements you have on file for me at my residence at XXXX XXXX XXXX, XXXX XXXX Tx XXXX for the dates of XX/XX/2018 through current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 U.S.C 1681. 
Account NameXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name.XXXX XXXX # XXXX. 
Account NamXXXX XXXX XXXX XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-04-27
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After reviewing an online promotion from CITIBANK that entailed receiving {$200.00} for opening a new account and depositing x amount of money for x amount of time, I opened an account with Citibank on XX/XX/XXXX. On XX/XX/XXXX I received an email that my debit card was on its way. I received my card shortly. On XX/XX/XXXX I received an email stating that I still need to make a deposit. I made my deposit for XXXX shortly after. On XX/XX/XXXX I activated my debit card. I tried to sign in to my account and couldnt sign in. I called Citibank and they mentioned a fraud alert. I was transferred to many different departments. 

After hours of being on the phone I was told that the account was going to be closed in 30 60 days and I would be mailed a check. I called back numerous times and no one took accountability and the issue has not been resolved. I requested a supervisor call back on numbers occasion and each time I was told someone would call me back but XXXX failed to call me back. 

I received a Citibank statement showing a withdrawal on XX/XX/XXXX for XXXX. I called Citibank on XX/XX/XXXX, and XXXX, a Citibank agent told me that a check was mailed on XX/XX/XXXX. Once I informed him the check wad not received he called a department to see if the check was cashed to issue a new check. After waiting minutes online XXXX informed me that a check was never mailed and it couldnt be mailed due to possible fraud. 

I was than told to call XXXX, which ive attempted to call several times and get a message that says, Thank you for calling citi the person you are attempting to reach is unavailable at this time. Please use an alternative method to reach this individual or try your call later. 

CITIBANK has fraudulently attempted ripped off several consumers according to online complaints regarding the same issue. Is Citibank, a bank, is so desperate for money that theyre ripping off consumers? They have been sitting on my money for close to 90 days now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint as a follow up CFPB to my previous CFPB Complaint that I have submitted. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the fraudulent accounts and information from my Credit File, and yet the Credit bureaus have done nothing! I have also been requesting that the Credit Bureaus send me copies of proof of verification or proof of ownership to verify that the information being reported are velid. However, the Credit Bureaus have sent me nothing! This CFPB Complaint is to inform the Credit Bureaus that I am willing to file a lawsuit against the Credit Bureaus in the event that the Credit Bureaus do not comply with the Federal law. Once again, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Credit Bureaus have been failing me for the last months and I have suffered due to their incompetence. In the event that the Credit Bureaus do not comply with the Federal Law, expect a lawsuit against the Credit Reporting Agencies.

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 2023-04-16
Company: EQUIFAX, 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:
AS OF XXXX XXXX XXXX  I HAVE NOTICE FRAUDELENT ACCOUNTS ON MY CREDIT REPORTS
account name : XXXX XXXX  account # XXXX	
balanceXXXX
last active date:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
At XXXX checked my email, received emails from capital one saying I was approved for a Platinum credit card for the amount of {$500.00} and 30 % interest. Another email from capital one saying I had a change on my credit report. I had previously had an account with Capital one, that has been closed for years now. Capital one sends emails when anything on my credit changes. I also had an email from XXXX saying there has been a hard inquiry to my credit. I called capital one and was transferred to the fraud department. Verified information with the representative and she said everything was correct except my phone number. She said she couldnt disclose what phone number was used. She let me know they will do an investigation to see if the inquiry was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized loan servicing purchased out loan while we were in forbearance and applying for help with XXXX XXXX. During COVID I lost my job and my husband took a XXXX reduction per month in pay while working more hours. Both my husband and I work in the hospitality business. When I called XXXX XXXX they said they could not help us as they sold the loan to make room for new loans coming in. They said that is a normal practice. When I called specialized loan servicing they said they do not offer the same help as XXXX  XXXX and I need to go through the court process. The court assigned a housing helper named XXXX. I met with her and she told me that she can't help us. Shortly after that my mom XXXX XXXX and my husband was XXXX XXXX XXXX. We were served papers our house was foreclosing on XX/XX/2023. After that we heard absolutely nothing. Yesterday I had XXXX gentleman come up to my door saying Friday our house is up for sheriff sale and we owe XXXX. First of all we do not owe that. We didn't even pay that for it. I have proof we XXXX even if you tack on legal fees there is no way. Second we were given no notice of a sheriff sale on XX/XX/2023. We were never offered help through any COVID relief which we were definitely affected by. Also we were finishing up paperwork with XXXX XXXX and then to have to restart with specialized loan servicing is not right. These XXXX mortgage companies clearly did illegal practices and took advantage of a family who was truly impacted by the XXXX down of COVID

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 2022-10-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint as a follow up CFPB to my previous CFPB Complaint that I have submitted. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the fraudulent accounts and information from my Credit File, and yet the Credit bureaus have done nothing! I have also been requesting that the Credit Bureaus send me copies of proof of verification or proof of ownership to verify that the information being reported are velid. However, the Credit Bureaus have sent me nothing! This CFPB Complaint is to inform the Credit Bureaus that I am willing to file a lawsuit against the Credit Bureaus in the event that the Credit Bureaus do not comply with the Federal law. Once again, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Credit Bureaus have been failing me for the last months and I have suffered due to their incompetence. In the event that the Credit Bureaus do not comply with the Federal Law, expect a lawsuit against the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Walmart Capital One and asked for temporary assistance with my bill. I have never been late once and since the account was opened years ago. I had a medical problem went into the hospital ( have proof Drs note hospital etc. ) I missed one payment and I called as soon as I got out of the hospital with my mother as I was still weak and needed her help. We were told there was nothing I was eligible and had to make the minimum payment off {$490.00} by the next due date XXXX  I was shocked and hurt t the same time and stated I would be filing a complaint to let someone in Corporate know what was going on if they did not know. And to let other consumers know that after missing one payment Capital One would not work with me or credit any late fees. This is truly a punch in the gut to me because I am still not back to work and I can not believe Capital One Walmart has no option to help me on a temporary level. I would like to speak to someone at the Corporate level regarding my concern as this could happen to anyone if they are not rich and get hospitalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: Self Financial Inc.
State: IL
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 filed a police report on XX/XX/2023 once I pulled my credit report and noticed a lot of fraudulent charges. I was in the process of purchasing a house and noticed several inquiries and charges that are not mine. I have sent credit letters to the credit agency and filed the charges on identity theft. gov. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States that 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 non-monetary relief
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Called the company on XX/XX/2021 they opened an investigation and reaffirmed inaccurate information on my credit report even after I submitted bank statements to prove I was right and paid on time every time.

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 2022-10-29
Company: EQUIFAX, INC.
State: MI
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:
I have over 90 unknown/fraudulent inquiries on my Equifax credit report. I recently read an article that mentioned how Equifax failed to provide accurate scores for consumers. After careful review of my report, I notice DOZENS of inquiries that I never even authorized. Any recommendations would be greatly appreciated. My credit score has already caused me a great deal of financial loss. Monetary compensation has not been offered, so I am simply requesting a clean report as a result of the multiple violations that will go unpunished. Delete all information shared on my report. This ordeal has almost ruined my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My old name XXXX XXXX XXXX was used to open a Bank of America account with account number XXXX opened XX/XX/XXXX and closed XX/XX/XXXX closed under XXXX XXXX XXXX XXXX SC XXXX. I havent lived at this address in over 9 years and last name changed almost 7 years ago to XXXX XXXX XXXX. They also opened an XXXX account under my prior last name 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