BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 explanation
Consumer complaint received 2024-01-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I believe my debit card info got stolen by an employee at XXXX XXXX XXXX  in XXXX. The employee stole more than {$1300.00}. I filed a fraud claim with USAA and they refunded my money three days later. I got about 8 letters in the mail about three weeks later saying they are reversing the charges and that they ruled that the charges were valid because XXXX XXXX  XXXX claims I made them. 

I never charged my USAA card at XXXX XXXX XXXX. I attempted to use it and the employee said it wasn't working so I used my XXXX XXXX XXXXard. I provided proof that the only purchases I made were on my XXXXXXXX XXXX  card. My family and I typically go to XXXXXXXX XXXX XXXX XXXXXXXX times per year and rarely spend more than $ XXXX {$170.00} total per visit. The charges on my card totaled {$1300.00} and were all within 2 minutes of each other and ranged from {$75.00} to {$330.00} each, which is insane and could never happen as one {$40.00} card purchase me about 3 hours and Ive never spent more than {$75.00} on a single purchase. Our typical visits are XXXX hours. 

I really would like my money back. It XXXX  me that XXXX XXXX XXXX would protect their employees scamming. 

Thanks in advance for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Loan Number XXXX PHH Mortgage Services Escalations Department 1 Mortgage XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX XXXX XXXX, We are submitting a application for mortgage assistance per our instructions from the customer service representative. We applied for mortgage assistance last year and was granted a trial modification without any supporting information. After requesting not receiving supporting information PHH set an appointment for us to discuss the details with our escalations manager XXXX XXXX XXXX, which we were told upon scheduling the meeting XXXX would provide. We were left without the information we needed to move forward and we are still trying to receive the missing information. Although we scheduled time with XXXX she was not available and the representative that called instead of XXXX had absolutely no information to share with us. We have been fighting to maintain our property, we have carefully submitted the information requested by PHH in a timely manner. 
My hardship started during the banking collapse in XXXX I have struggled to gain adequate employment. My employment difficulties has place a huge burden on me and my family. I have secured my insurance license and agency with earn potential to meet my obligations as I once did prior to my misfortune. 
In closing, we are asking for mortgage assistance however that looks, after reading options from PHH we are 100 percent positive that given an opportunity we can meet our responsibilities moving forward, creating a winning solution for both parties. Time is of the essence there is a sale date of XX/XX/XXXX. We are asking that you work with us to salvage this damaged account. If there is any additional information needed please do not hesitate to contact us. 

Genuinely, XXXX & XXXX XXXX C.C. CFPB C.C. HUD

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 NewRez took over servicing my loan from XXXX XXXX. In early XX/XX/2023, NewRez, despite being listed on my insurance declaration page, and being notified by my insurance company, XXXX, did not pay my homeowners insurance. Over the course of late XXXX and much of XXXX, NewRez claimed that they were going to pay the insurance, so the policy could be reinstated, but never did. I called every two weeks. They told both my insurance company and my broker they were going to send a payment, but neglected to do so. Finally on XX/XX/XXXX, on a joint call with NewRez and my insurance company XXXX, I was told by XXXX that there was no way to reinstate the policy and that the insurance company had told the last two NewRez representatives that very information. In early XXXX, NewRez, with out sending me notice, placed me on their lender insurance. Now, because of their malfeasance, I am having difficulty getting homeowners insurance, because to the insurance brokers/companies, it appears as if I have been uninsurance since XX/XX/2023. 

Based on the way NewRez handled my payment of my homeowners insurance, I believe not paying the insurance of their customers may be just the way they do business and could be a systemic problem. By not paying my insurance I was forced to be on their high risk insurance. Meanwhile, they had all the money I had been paying for my insurance in escrow. 

Additionally, during this time period I had a property claim. Their handling of this claim, which is still not resolved has been abysmal. The damage happened XX/XX/XXXX and the claim is still not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
From XX/XX/XXXX to today, the creditors closed the following accounts because of information they received from XXXX. 
Macy 's - never late Bloomingdales- not late was late in the past, and this came off my records Wayfair - never late Home Depot - never late Best Buy - never late I called each creditor and was told that my cards were closed because of information they received from XXXX. I called XXXX and was told they could not provide me with any information and that I needed to file a dispute. I filed a dispute and have not heard anything from them, but more accounts are closed in the meantime. My credit reports with all three credit bureaus are frozen. My payment credit history is good. I need my accounts to be re-opened.

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 2024-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Un-Authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
Company: Experian Information Solutions Inc.
State: MO
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:
All experian does is lie lie lie lie lie lie lie lie lie lie lie, can't view its a ploy AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-03
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It was a loan that was apparently taken out in XXXX XXXX XXXX. In the amount of XXXX. I have called the company who says they dont have access to the account so they gave me another number. I called that number and there was no option to speak to an agent. It just sent me to a voicemail service and no one has ever gotten back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closes another complaint with another idiotic explanation that addressed ABSOLUTELY NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This is my notice of liability and intent to sue. 
Since slavery and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is human trafficking by way of debt slavery! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 
-Debt bondage is focused on human trafficking crimes in which the traffickers primary means of coercion is debt manipulation.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 2023-12-05
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to request debt validation for the debt that you have been attempting to collect from me. As a consumer, I have the right to request validation of any debt that is being pursued by a debt collector. 

*MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03
Company: CITIBANK, N.A.
State: CA
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:
THIS ACCOUNT FROM HOME DEPOT OPENED UNDER MY NAME WITHOUT MY CONSENT AND OPENED FARUDENTLY

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 2024-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I haven't been able to get my credit report with TransUnion and XXXX for a while and at the same time they keep reporting inaccurate information and misleading data. I tried to dispute those accounts online but they denied my access so I can't dispute.

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 2023-12-18
Company: Experian Information Solutions Inc.
State: LA
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:
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 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 explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-02-01
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had someone that who I didn't I didn't talk to in months. She used my information to get something online at best buy on XX/XX/2023.

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 2024-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank account had someone access my USAA bank account ( unauthorized ) and made 2 mobile deposits, the checks did NOT have a check hold placed on them and less than 24 hours later, they were able to transfer the funds out. The account went negative when the checks bounced less than 48 hours after the first deposit. IF they had put a hold on the checks the funds would not have been able to be transferred out. Here is a history of the transactions that occurred between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. My identity was stolen and there are negative items on my credit report and I believed those are the results of fraudulent activity.

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 2024-02-01
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received an email message from Macy 's Citibank Credit Card on XXXX that said my account is past due. I know for a fact I made a full payment of the balance of {$68.00}. 

I reviewed my prior email and received an email from Macy 's Citibank on XXXX thanking me for my payment. 

Another email from Macy 's Citibank said that " your bank was unable to process the payment, '' so I called my bank to find out what happened. I spoke to my bank twice today, and the representatives verified that there was no rejection by them for a request for payment.

I called Citibank, and when I informed the guy that I spoke with my bank and there was no rejection by them to process the payment request, he asked me if " I had proof. '' The guy also interrupted me and out of frustration I asked to speak with the supervisor, and I had to verify my tel. no., and also verify that this was a cellular number, which then required him to read a list of issues with cellular phone numbers. I was placed on hold for 15 minutes, and because I gave Citibank my tel. number, I expected a call back. No one called. 

Obviously, there is a problem with processing, but it is not due to an error on my part or my bank 's. I do not want to make another payment, because Citibank 's email to me states that I have a balance of {$99.00} due on my account, and this is wrong. When I made the {$66.00} payment on XXXX, my balance was XXXX. I have not made any purchases with Macy 's since then.

The other problem is that Citibank 's website does not allow the consumer to view their statement ; every time I try, it says Citibank is unable to process the request. So as a consumer, I am informed I owe {$99.00}, but I can not review my statement showing the charges. This is a problem.

One final note : When I spoke with my bank representative and discussed the issue with Citibank, she disclosed that Citibank sent her the exact same message, i.e. that " your bank was unable to process the request. '' She also shared that she could not review her account statement. This means Citibank is messing up, not only on my individual account, but others as well. 

I am upset that Citibank never bothered to return my call, despite giving my tel. no. and having to listen to useless information about cell phones.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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