BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$1800.00}.

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 2022-11-23
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
City bank has several accounts issue with my information, money transffered from my XXXX XXXX to city bank and city bank doesn't have any explination for me ; CITIBANK , N.A . DEPOSIT XXXX XXXX CITIBANK , N.A . DEPOSIT XXXX XXXX {$500.00} {$100.00} XXXX XXXX account XXXX. 
CITIBANK , N.A . DEPOSIT XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX cashed check XXXX XXXXXXXX to to CityBank account XXXX XXXX transfers and credit card payment to City bank Here are some of the accounts opened and closed by them with City Bank and I don't have information on Here are some last XXXX digits City Bank accounts Account ending in XXXX Account ending in XXXX Account ending in : XXXX Account ending in XXXX Account ending in XXXX I have gone to different City Bank locations and they are not able to even give me a print out on transactions on this accounts or tell me where the funds are, they just said that the accounts have been Closed, that if there were funds they will send me a check and nothing has happened. I don't have access to this accounts or any transaction history. 
I am pretty concerned because this involves taken fund from XXXX of my other banks institutions and also my other XXXX XXXX account was closed the the institutions. 
I have called many times and they wouldn't speak to me. 

Please help me find out what happened to my money with City Bank, the check cashed and funds gone, plus XXXX XXXXXXXX Transfered. 
I have XXXX possible suspects that might've stolen my information and funds around that time, I need to verify, please help 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 monetary relief
Consumer complaint received 2021-02-15
Company: Capital Accounts, LLC
State: NJ
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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: Their investigation did not fix an error on your report

Complaint:
I found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX 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.

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 2023-03-01
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX after reviewing a copy of my credit reports, I wrote to Convergent Outsourcing Inc. regarding the reported account. I asked for documentation of the debt including but not limited to any contracts or agreements with my wet signature. I further requested Proof of their authority to collect the debt and proof of contractual relationship between Convergent and the original creditor XXXX which makes them an agency entitled to enforce a commercial claim against me, On XX/XX/XXXX, I received a response letter dated XX/XX/XXXX with no proof of anything! They attached a copy of the final XXXX XXXX due XX/XX/XXXX and a form of all the States they are either licensed in or have pending licenses to collect debts. 

They failed to provide any proof/documentation I requested such as a contract to substantiate their right to pursue this claim or a certified copy of an original contract with my wet 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 2021-03-17
Company: Better Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced through Better Mortgage, which took almost 4 months, they forced me to make repairs that didn't need to be made ( cosmetic siding issues ), they refused to listen to the tenants currently living in the units when they said things were working ( wall heaters ), and forced me to pay have a handyman go out to ensure they were in fact working, because they couldn't trust the people living there. They sold my loan to XXXX in XXXX, I received the notification after I had made a principle only payment to them on XXXX ( the overpayment of the loan, I wanted to put back on the principle ). Multiple emails stated I could not make any more payments to current servicer ( Better/TMS ) and all payments would be transferred before the payment was due XX/XX/XXXX. XX/XX/XXXX I called when the loan wasn't transferred, was told to wait until XXXX, still didn't show up, I had to call XXXX to make a payment on the account. Again email on XX/XX/XXXX saying the payment is still transferring, and it would be in there by XX/XX/XXXX. Still no payment transfer today, more than 5 weeks after it was drafted out of my bank account. I am still paying interest on the principle which should be {$1700.00} less. Better refuses to answer any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Idaho Housing And Finance Association
State: ID
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:
Idaho housing is staying my payment was late for XXXX when in fact it was made before XXXX MST on XX/XX/2019. I have copies of my transaction being completed prior to that and my payment date is listed as XX/XX/2019. There is no reason for them to be reporting this as late when it was not late for XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital one charge off entry on my credit report for {$690.00} which is fraud. 

XXXX XXXX XXXX has an account for {$110.00} account # XXXX that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: World Acceptance Corporation
State: MO
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:
This account appeared on my credit report on XX/XX/XXXX. I have never had a loan with World Finance Corporation nor have I ever done any business with World Finance Corporation. 
I was never contacted by this company via phone or mailed any correspondence in relation to this account that appeared on my credit report. I was never given the opportunity to request validation information from this company for this account that appeared on my credit report. I have never had a loan with World Finance Corporation. 
With no interaction or communication whatsoever this account appeared on my credit report showing it was from XXXX. This is not my account. I want this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My credit report shows an account with amount past due more than 150 days. 
The account is of XXXX. 

XXXX ) When connected with XXXX as well as Experian, I was informed that I had used the card in XX/XX/XXXX- where as I left USA in XX/XX/XXXX and have returned back in USA on XXXX XX/XX/XXXX. I wasn't in the country when they are claiming that I had used the card. How can I use the card? 

XXXX ) when was the credit card applied and issued? 
XXXX ) which documents were submitted for card application? 
XXXX ) were the submitted documents / mobile number verified? nowadays due to digital anyone can create fake documents. 
XXXX ) which products were purchased and how? ( instore OR online ) XXXX ) was it delivered? if yes, then where - share the address and proof of delivery ( XXXX or USPS or XXXX or etc... )? 

Please share photocopy of all the above documents. 

Since XX/XX/XXXX, I connected multiple times with Experian as well as XXXX rewards cards, and also gave them all of my details including SSN number, Name, all previous addresses, phone numbers, etc as they werent able to pull up my account with only SSN number. still, no positive update. 

In my life I have never unpaid anyone for which I am liable ; also, I do NOT wish to pay anyone for which I am NOT liable. 

This is a pure case of charges imposing on wrong person - whatsoever the reason may be. 

I request you to please look into this seriously. People like me trust the CFPB authorities to get the honest solution. 

due to this my credit score has been impacted badly and my insurance cost and all others have increased drastically. Even my bank is not willing to give me credit card. I am okay to continue without credit card but looking for serious justice and compensation for this harrassment. 

According to me I dont have any relation/ transactions with XXXX XXXX XXXX / XXXX and hence there is nothing that i can upload. also, hence the claimed charges are null and void.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
i mailed letters on XX/XX/2020 to XXXX transunion and XXXX about some errors and its been over 75 days and i havent heard nothing i even sent another letter not hearing back from them in order to get a response and that letter has been over 30 days since they received it back i sent certified mail and have the delivery receipts to prove that they received my letters this has to be some sort of violation with the FCRA

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 2022-02-02
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: Personal information incorrect

Complaint:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX  Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : 1 ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX 2 ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX 3 ) XXXX XXXX XXXX XXXX, GA XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX 5 ) XXXX XXXX XXXX XXXX, GA XXXX Incorrect Employer : XXXX XXXX XXXXXXXX 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 2023-02-19
Company: Global Lending Services LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. In less than 6 months, the vehicle began having issues with the AC and I had to spend money to have the vehicle repaired which caused me to fall behind in payments. I also needed to purchase a battery which was reimbursed for by the car copy. I explained to Global lending Services the situation with the repairs and was told that I basically had no choice but to pay. I offered to have the late payments out on the back end of the loan, they refused because it was less than 6 months. They came and repossessed the vehicle and there is a XXXX balance I told them that this is a wash because I was sold a vehicle that clearly did not get fully inspected or repairs and the " warranty '' I got from them included in my purchase was suppose to cover things like this but didn't. I was also told during the contract signing it would be covered but it is not. Additionally I was supposed to have GAP coverage but it was not added. I was lied too through this entires process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX transunion XXXX after ID theft won't allow me to look at my score it's against the law if i have been a victim i want to see my socre online will send proof in the attachments

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 2023-01-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I put in an order through XXXX on XX/XX/2023 AT XXXXXXXX XXXX. 15 minutes later I cancelled but they said it was already being shipped. So they took XXXX, from my credit card. I called my bank and they said it was still pending. There is no way 15, minutes after putting in an order at XXXXXXXX XXXX  they were shipping my order. I cancelled the order at XXXXXXXX XXXX. Their policy is they don't charge you until item ships yet 15 minutes after submitting order they took XXXX from my card. the order number is Order # XXXX. My bank says it still shows as pending but XXXX says it's been cancelled. XXXX policy is you are not charged until items ship, how ever they took XXXX within 15 minutes of placing order before items were shipped. XXXX says it was cancelled but if you look at screenshot 65 it still says pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
PHH MORTGAGE COMPANY MY Father died with a Reverse Mortgage ( PHH Mortgage Company ) on the home.. We requested a payoff in XXXX the pay off was XXXX We sold the loan in XX/XX/2022 and the payoff is now XXXX. The statement says Corporate Advance of XXXX. I would like to forward the document for review. My name is XXXX XXXX XXXX, my father is the late XXXX XXXX. My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Account information incorrect

Complaint:
I purchased this car XXXX XXXX I did the car until XXXX XXXX  The car dealer ship said it was back order on parts due the pandemic. They gave 3 different loaners. I only had the car for a day I too it to XXXX for them to check my oil and new tires. The car transmission locked up at XXXX at that point the car was towed to a XXXX XXXX XXXX I did this on my own. They said the transmission was locked up and that it will cost more than the car was worth meaning this car was a lemon from the very beginning I voluntarily gave the car back to the lender on XXXX XXXX I have never been late nor have I had the car for the length of time they are stating this is all fraudulent and I expressed this to Transunion for over a year now they say they have investigated, but this is something I truly dont believe that they have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage is in the COVID-19 assistance program. This includes the XXXX, XXXX, and XXXX payments plus some back home owners insurance monies. This money is paid to Carrington Mortgage by HUD, then I pay them back whenever my home is sold. My payments start again in XXXX. I was told not to make a payment on XXXX XXXX and I did not. But Carrington Mortgage debited my checking account on XXXXXXXX XXXX XXXX  in the amount of {$1400.00} which they should not have done. Because of that our car insurance, Medicare part C supplemental health insurance and other bills are not paid. When I did our on-line banking today right after lunch our checking account is- {$970.00} with some NSF charges XXXX I have faxed them info they needed on Monday, and e-mailed them more info on Wednesday to get that money put back in our account. That money still not there. My wife who is partially XXXX, and myself live on a fixed income consisting only of our SocialSecurity income and we are broke!!! And they are taking their good old time getting us our money back. WE NEED THAT MONEY NOW!! Please help us- Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation