BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 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 2022-02-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
There is a hard inquiry on my Experian consumer report from XXXX Bank ( hereinafter referred to as " XXXX '' ), which is dated XX/XX/XXXX. In late XXXX, I noticed this inquiry and did not recognize it. Therefore, I asked XXXX Bank to investigate it and, if unfounded, to remove it. 

On XX/XX/XXXX, XXXX Bank wrote to me to inform me of their findings of their investigation. XXXX indicated that they were unable to verify my authorization for the inquiry in question. Therefore, they requested that the major credit bureaus ( including Experian ) remove the inquiry in question immediately. Additionally, I sent a copy of the letter to Experian, just for good measure. 

It has more been more than XXXX ( 30 ) days since XXXX Bank ordered the removal of said inquiry, as well as after I mailed Experian a copy of XXXX 's letter. Evidentially, Experian is willfully ignoring our correspondence. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), Experian only had XXXX ( 30 ) days to remove the inquiry in question. As of today XX/XX/XXXX, Experian as so far failed to remove the inquiry. Therefore, I ask that the CFPB to intervene and order Experian to remove the inquiry from XXXX Bank.

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 2023-06-21
Company: Credit Card Receivables Fund Incorporated
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I dispute this amount sought and debt in the entirety. XXXX and XXXX  has been harassing me for over twenty years now and this shenanigans need to stop. Theyre abusing the courts and using scare tactics against XXXX XXXX people. Ive been a XXXX member since 2018 and they did not authorize XXXX and a XXXX to collect any debt on their behalf. 
XXXX and XXXX can not validate the debt that they are suing me for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: STERLING JEWELERS, 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 status incorrect

Complaint:
This account is still on my XXXX report when I was told they would quickly remove it once I paid the full balance. The full balance was paid but it still shows on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I deposited a personal check written by my aunt into the ATM at the XXXX XXXX branch. The check posted to my account on the XXXX, but showed no funds available pursuant to the funds availability policy. On XX/XX/XXXX, my online access to both my checking and savings accounts were revoked. When I called CitiBank, I was informed that I was being investigated for deposit fraud and that I could call back on Monday, XX/XX/2023 for an update. On XX/XX/2023, both myself and my aunt called repeatedly to try and resolve the issue with the check. CitiBank stated that because my aunt 's " cell phone '' was not registered to her -- they could not accept her calling in as verification that she wrote the check. Eventually, after 7-8 calls between the two of us, a representative finally verified her and we were told that the issue was resolved but I had to wait 24-48 " business hours '' before I could have access to the funds. I waited the two days and then called and attempted to regain access to my online accounts that had been frozen. The representative informed me that I was required to get a new debit card before my access to my own funds would be restored. I could " expedite '' the arrival of a new debit card for {$6.00} or wait 5-7 business days. I opted to wait 5-7 business days because I am not giving CitiBank money for their own mistakes. It has now been 18 days since depositing this check. I still do not have access to my credit card online, nor do I have access to any of the funds within my checking or savings accounts. It is insane that a bank can withhold your funds and then require you to pay to expedite access to what is rightfully yours. Additionally, I've received no written communication regarding any of this -- simply a letter stating that none of the funds of the check would be available until the XXXX of XXXX due to " confidential information that the check might not be paid. ''

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 2019-11-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was recognized " a permanent lifetime pension '' since XX/XX/XXXX,  according to the communication received from XXXX XXXX, XXXX. from the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  dated XX/XX/XXXX. I received my pension regularly until XX/XX/XXXX deposited in my account from the Citibank by XXXX XXXX XXXX XXXX 
However, the Citibank announced in the report of this operation : " Dear Citibank customer, please be advised that the mailing address for this deposit has been changed. Please instruct the sender to mail future deposits to : XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX MO, XXXX XXXX. '' Meanwhile my current address continued to be the same nowadays. When I asked to the bank about my account I was informed by Mr. XXXX XXXX ( actually Director, Citigold Market Manager XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) that my account had been reported to the Office of Unclaimed Funds Remittance Control since XX/XX/XXXX. When I claimed to The Office of Unclaimed Funds Remittance Control they answered last XX/XX/XXXX as follows : " A letter was sent to you on XX/XX/XXXX stating that we were unable to locate any funds belonging to you. 
Due to the age of the item in question, the bank was unable to provide any information regarding these funds. '' During this time I have also be affected and I lost my condition of resident of the USA and I have not gotten a US visa any more.

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 2022-05-25
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have already submitted a complaint about this mortgage to the CFPB. It is Complaint Number XXXX. With that complaint, I sent to the CFPB a Notice of Error letter which I had sent to PHH Mortgage Services ( XXXX XXXXXXXX  ) which included a Third Party Authorization signed by the Borrower in favor of me, XXXX XXXX XXXX, XXXX. 

Today I received from XXXX a letter dated XX/XX/XXXX and referencing " Regulatory Case XXXX. '' The letter states that PHH has " not received authorization from the account holder to provide specific information to you. '' This is false. PHH has received the third party authorization multiple times, and when I called PHH today, they admitted that they had it. The PHH representative to whom I spoke today, stated explicitly that this letter is not in the borrower 's file. She then tried to tell me that the XXXX XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, NJ shown on the PHH letterhead is not a PHH post office box address. 

The PHH letter comes from the " Office of Consumer Ombudsman, '' but when I asked the PHH representative on the phone today to connect me with that office, she told me that there was no such office. 

Then the PHH representative told me that the loan has been referred for foreclosure to the law firm of XXXXXXXX XXXX XXXXXXXX. The loan was put in COVID-19 forbearance on XX/XX/XXXX until XX/XX/XXXX. I was told by PHH in a telephone call on XX/XX/XXXX that a second six-month forbearance has been approved to go into effect on XX/XX/XXXX. It is wrong for for this loan to be referred to counsel for foreclosure while it is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently received a notification that a new credit card was opened in my name. I reviewed my credit report and saw that a Kohls charge card was opened on XX/XX/22. This was not done by me and in order to dispute, I was told I needed to file a complaint on this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequim Asset Solutions calls me multiple times a week ( using a different number each time so that I am unable to block ) with the exact same recorded message ( a robot call I believe - which does not contain my name nor his ). The message states that he is attempting to collect a debt which does not belong to me. I have no debts. I believe this to be harassing and the constant phone calls interfere with both my personal and professional life. These annoying automated calls should be illegal. I am currently seeking actions so that these calls stop ASAP. Please contact them and urge them to stop using these harassing methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, 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:
I AM DISPUTING INQUIRIES FROM XXXX XXXX XX/XX/2022. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all XXXX parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
HSBC/Beneficial or the XXXX XXXX lied to the Consumer Financial Protection Bureau, stating that they weren't trying to evict me. They provided such a response to this Office XX/XX/XXXX. Began filing subsequent eviction suits against me UNDER SEAL XX/XX/XXXX, and XX/XX/XXXX. They used an unqualified foreign corporation as the litigating party, XXXX XXXX XXXX, XXXX. Wrongfully obtained an eviction order XX/XX/XXXX. The Illinois Business Corporation Act bars such corporations from filing suits in an unqualified state ( See XXXX XXXX XXXX ). The corporation prevailed even though fraud was present in its notice/demand and its motion for summary judgment was unsupported by contravening evidence. The mortgage on my home was satisfied and released, and the foreclosure suit was found to be unauthorized by the Federal Government. Attorneys are reluctant to assist me with the eviction suits because they are sealed. They can't look the cases up from their office. Through XXXX XXXX XXXX XXXX, this corporate has also caused to be recorded a false and fictitious quitclaim deed against my property XX/XX/XXXX. HSBC is seeking to take my home using forgery or theft by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Dear Ally Financial XXXX XXXX Department, My name is XXXX XXXX XXXX XXXX, and I am the co-signer of this loan. For about a year I have tried to contact this company 's different phone numbers without getting any help at all, they just transfer me to a different numbers. I've called like XXXX different numbers. Let me briefly explain the situation ; In XXXX, a loan was requested by my sister XXXX XXXX XXXX XXXX as the main beneficiary and I, XXXX XXXX XXXX XXXX, as the co-signer. 

Due to financial difficulties, my sister had to carry out the bankruptcy process which was processed in XXXX XXXX The balance was deleted from XXXX 's credit report but was transferred to my credit report which has been affecting me during years. I have tried to contact you to see my options since I am in my best position to fix the situation and pay the pending debt of {$17000.00} dollars, but no one can help me, they just transfer me to different numbers without getting help or any solution, I sincerely feel frustrated and desperate, I'm tired of this. 

The account number for your reference is XXXX XXXXXXXX. Please find vehicle information : XXXX XXXX XXXX XXXX # XXXX Please contact me in order to proceed with a solution, as I mention I am in my best position to fix this situation.

Company response to consumer: In progress
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: OH
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:
Equifax is incorrectly reporting an account for the XXXX XXXX XXXX ( XXXX XXXX ). The original credit reporting agency ( CRA ) is the XXXX and XXXX XXXX ( XXXX ) building located in XXXX, Ohio. The account is reporting as a closed collection account for child support and updates every month as a closed collection account til this day. I have sent in a dispute letter listing the violation the XXXX has committed against me. XXXX is reporting my personal information unlawfully to third parties, and Equifax is improperly reporting information it shouldn't had in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: IN
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2018-08-11
Company: AES/PHEAA
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

AES has not furnished any proof that I executed a contract from the original lender. 

AES is not permitted to collect in NC and will not furnish its permit number as enforced by NC Law to do so on ALL written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: WELLS FARGO & COMPANY
State: DC
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:
Wells Fargo Bank , N.A . ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, Wells Fargo stopped pursuing me for this debt. However, Wells Fargo is still updating my credit report each month regarding this debt. I would like Wells Fargo to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both Wells Fargo and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

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 2018-05-15
Company: EQUIFAX, INC.
State: OR
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:
On Sunday XX/XX/XXXX, I was applying for student loan refinancing online. Through this process I was able to see that Equifax and XXXX  had incorrect information on my credit report. My mother and I have the same name with a different initial and a debt collection of my mother 's ended up on my report. I called XXXX on XX/XX/XXXX and was able to not only file a complaint over the phone, but they were able to fix the error on my account at that time with an estimated 24-48 hours for it to be changed on my actual credit report. This is because they could see on the report that the account connected to the debt collection agency did not have my social security number and it was clear to them that this was not me. After this time I went to make my dispute with Equifax and put in an online request. Unfortunately, since this was a dispute on a debt collection agency because of a name merge with a family member, I was told to fill out a different form where I listed the debt collection agencies specifically - this was confusing to me to do multiple forms. I received a confirmation email today Tuesday XX/XX/XXXX with a confirmation number and saying that my dispute had been resolved and that I could check the results of my dispute online. I clicked the link and when I put in all of my correct information in the form, I was told that my information was not a match to my records ( which is not true ). I then called Equifax directly ( I would have called over the weekend but unlike XXXX they do not have their phone lines open on the weekend ) and was frustrated by my call. They told me that the reason I was having difficulty with the website was that there was an error within the system. I had to ask multiple times to have things explained to me. I also did not understand why this could not be resolved on the phone as XXXX  had done. I'm told that it could take 30 days for this resolution. I'm in a bad bind now because of this - while I do realize that it is not the job of the crediting bureaus to notify me of all changes on my account and that it is my responsibility to be informed of my credit report, I still do not understand why Equifax could not look into the dispute over the phone and help to resolve it then like XXXX  did. I've not had experience with credit reporting agencies before, other than when Equifax had the security breach and I needed to look into that and then place a freeze on all of my accounts, and so perhaps the speed of help with my dispute that XXXX was able to do is outside the norm and so I should not expect the same thing between companies. However, XXXX made it seem like this was a straightforward case given that the social security number associated with the debt collection was not mine.

Company response to consumer: Closed with explanation