BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an accelerated savings account with Citibank on XX/XX/XXXX via their website which since I already had a credit card with Citi was very easy and efficient. I transferred funds in through my previously set up linked checking account ( XXXX XXXX ). Over the next two months as I had fund availability I transferred additional funds into the account always through this same means of logging onto their website and initiating the transfer from the linked bank account at XXXX XXXX. These transfers occurred on XXXX and XX/XX/XXXX. Additionally I deposited two checks via their mobile application and transferred a rewards certificate from my Citi visa to the account. As of XX/XX/XXXX I had approximately {$100000.00} deposited into the account. On XX/XX/XXXX I noticed I could not log onto my account which I thought was odd but was given a message referring to " try again later '' so I didn't think it was too odd. So I telephoned the customer service that day and was told my account was locked for fraudulent activity. When I verified my identity and the the 3 most recent transactions, I was told I would get a letter in the mail explaining why it was locked in 7 to 10 days. The letter stated the account was closed by Citi and funds would be dispersed in an additional 30 to 60 days. So essentially they are holding my funds without paying interest for almost 90 days and I have no access to them.

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 2020-02-10
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I mailed my XXXX School tax bill for my VA mortgage to PHH Mortgages Services for them to pay the tax bill in the discount period ( in the amount of {$1000.00} ) from my required escrow account. The payment was due on or before XX/XX/XXXX. 

On XX/XX/XXXX, the mortgage servicing on the loan was sold to XXXX XXXX  XXXX. 

On XX/XX/XXXX, I was notified by my county tax claim bureau that the XXXX tax bill was never paid by PHH Mortgage Services and now was delinquent and additional penalties, interest and fees were now due ( the new bill is now due in the amount of {$1100.00} ). 

I immediately contacted PHH Mortgage Services and asked why the bill had not been paid and complained that due to their failure to properly service the loan, additional penalties, interest and fees were now due, in the amount of {$150.00}. The response from PHH Mortgage Services customer service person was that they no longer serviced the loan and they had no responsibility for anything. 

I pointed out that due to their failure to properly service the loan, I was being financially penalized. As a XXXX, XXXX veteran, the {$150.00} penalty is something that I can ill afford. They told me to contact the new servicer, XXXX XXXX  XXXX. However, XXXX XXXX   XXXX did not service the loan at that time and they did not pay the bill either. 

PHH Mortgage Services refuses to take any responsibility for their fiduciary responsibility failure and I am being financially penalized for their incompetence. The {$150.00} should be paid by PHH Mortgage Services as the bill had been presented to them in a timely manner for it to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: CA
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:
IDENTITY THEFT AND I DID NOT AUTHORIZE THE CREDIT INQUIRY FOR XXXX XXXX XX/XX/2022. 

I HAVE CONTACTED CHASE, AND THEY SENT A LETTER TO REMOVE HARD INQUIRY.

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 2019-01-09
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: Information belongs to someone else

Complaint:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM XXXX XXXX AS XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXXXXXX allowed someone to sign up for a credit card under my name and now are reporting the stolen identity information on my report as derogatory. i am being negatively affected by this matter and furthermore would like for them to stop i have made a report with the identitytheft.gov they are on the job as well for i believe that to be the best 1st step. below are also my grievances. Thank you for your time.

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of reciept. its been 30 days and they are in VIOLATION of this law because I am a victim of identity theft. PLEASE DELETE THESE ITEMS IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX 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, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus EXPERIAN, XXXX, AND XXXX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My employer has received several calls from Navient on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I sent them a Cease and Desist letter on XX/XX/2020 making it clear that I should be the only person contacted in regards to my debt and they did not follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Early Warning Services, LLC
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my consumer report it says my account was closed due to fraudulent activity and I am unable to get a bank account heres the issue they say all calls are recorded I called the bank and reported my card stolen originally when all this started. I just need a bank account for my business period these consumer reports are hindering me from progress as a us citizen I never committed any fraud activity and I have yet to receive any proof from them or the bank of any kind they just keep saying the report is accurate yes I had an account but no I didnt do anything my card was stolen I called XXXX  XXXX XXXX and nobody fixed it to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: UT
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 explanation
Consumer complaint received 2023-10-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PAYPAL Reference Nos. : XXXX, XXXX, XXXX Reference is made to the above issues that have been discussed and escalated with Customer Service over the past month . Deposits were made from my PayPal account to XXXX that were deposited to another account in error. The transfers from PayPal were sent to the wrong XXXX account in error. The transfers were for the sums of {$1000.00} ( Trace ID # XXXX ) and {$350.00} ( Trace ID # XXXX ) The proper XXXX account was XXXX and the funds went to account # XXXX. 

XXXX has confirmed that the funds in fact went into the wrong account and they are willing to correct the problem. Their advice is that the proper procedure is for the sender, PayPal, to request the return of funds from XXXX ( now XXXX XXXX ) and submit a Letter of Indemnity in the form that I have given to PayPal. 

I have contacted PayPal no less than a dozen times and they simply fail and refuse to request the return of funds from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Fig Tech Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : FIG LOANS INC - XXXX XXXX {$350.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-03-14
Company: NAVY FEDERAL CREDIT UNION
State: MS
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit 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:
Wells Fargo is able to process the fraudulent transactions only from XXXX  but the merchant " XXXX XXXX XXXX '' deducted in {$52.00} on XX/XX/XXXX and once again {$49.00} deducted on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTC and the Georgia police.

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 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Unknown inquiry from the company " XXXX XXXX '' on the date of XX/XX/2019, they have no proof of permissable purpose without a signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Concerned, On or about XX/XX/XXXX I received a letter with a check from Bank of America, explaining I had been overcharged one or more fees & interest by mistake. They apologized & were sending me a refund in the amount of {$980.00}. I received the check, which was in the business name, that was closed in XXXX. I took the check to Band of America, who wouldn't cash the check for the fact that the business was closed. I couldn't cash it at my present bank for it wasn't in my name! I phoned Bank of America XX/XX/XXXX, they needed me to fill out a form to change the business name, XXXX XXXX on the check to my name, XXXX XXXX XXXX. I haven't received this form yet! I've phoned twice! The date of my last phone call was XX/XX/XXXX, they continue to tell me the form is on the way! I don't understand why it has to take two months to change the name on the form. How long will it take to receive the amended check! 

Thank you 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 monetary relief