BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir/Madam I submitted my payment to citi cards on XXXX/XXXX/XXXX through my on line payment. My citi card account number is XXXX for the amount of {$590.00}. When I made my payment my bank ( chase ) had different address for citi cards so it went into a different account. This a/c was my wife 's a/c which was closed due to credit consolidation. That a/c number is XXXX. I contacted the citi card member and they said it will take 30 days to resolve this issue. I called after 30 days and they said they have not heard anything about this issue and they are going to make new inquiry and it will take 2 more weeks. I waited for 2 weeks and called them again and they said again there was nothing noted regarding this matter and they want to start a new inquiry and will return my money after they check it. Kindly help me regarding this matter. They are calling me about not making a payment but I already made a payment on XXXX/XXXX/XXXX. 

Transaction Information : Biller ID : XXXX Payee Name : XXXX XXXX XXXX XXXX # : XXXX Payment Amount : {$590.00} File Transmission Date : XXXX/XXXX/XXXX XXXX PM Payment Effective Date : XXXX/XXXX/XXXX Trace Number : XXXX Transaction ID : 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 2022-11-23
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
i have many inquiries on my account that i do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: Vertical Screen
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This trespassing charge is not supposed to be on my record after three years, of the legal residence I resided at and paid a fine and met compliance for. It also lists my birthdate incorrectly, in the court case, as XXXX, not XXXX, the correct date, and should have been thrown out, to begin with, of a charge for living in my own home that I would have inherited from my parents, had they not done this, and is still under dispute, since I was listed in my parents living will as a co power of attorney, and co-executive of the estate for my parent 's estate will, that I was not able to do, since they evicted me. My father XXXX XXXX 's original attorney of the estate will : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, and they also had a new living will drawn up, with their new attorney, in the same firm. 

Case Number : XXXX XXXX XXXX, Ohio I would like to make a statement for this report on what this case was about. The address that is reported in a trespassing charge for XXXX XXXX XXXX XXXX, XXXX, OH XXXX, was the legal address, of my parents, where I resided most of my life, including my daughter. 
After my father passed away, my brother and his wife wanted to take my mother to their home and foreclose my mothers house, where I was living. I was originally appointed in my parents will as an executor of estate with my brother, but my brother and his wife had my mother change this. I had been taking care of my mother, who asked me to stay. When they wanted to take her out of the home, I was charged with trespassing, though really my mother could have stayed in her home if she wanted to but did not want to argue with my brother. All of my possessions and family possessions were never returned since I did not have a lawyer, and I also did not want to start a lawsuit. I have never had a record before, and this was an unfair case with my birthdate incorrectly listed in the eviction notice supposedly written by my brother 's wife. Whoever sent it to court, had incorrect information, and my mother was not well enough to start a lawsuit, and they foreclosed her home, which she was paying a mortgage for, and her bills were not late. This was a false eviction, as I was not a tenant in my parent 's home, but a legal resident of my family 's estate where my parents wanted me and my daughter to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: IL
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:
The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account Name 1. XXXX XXXX XXXX XXXXXXXX 2XXXX XXXX XXXX 3. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach 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 non-monetary relief
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have 3 hard inquiries in different states. One other in California where I live but not in the same city. First is XXXX XXXX XXXX located in XXXX, GA XXXX XXXX XXXX XXXX XXXX. 
The second for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The third for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
The last one is for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA 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 2021-09-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the debt collector to demand that they zero out the balance of the alleged debt for the Wellsfargo card ending XXXX. I sent a notarized Affidavit of Truth to which they have not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. XXXX XXXX attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX  XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.

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 2021-04-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REACHED OUT TO ALL THE BUREAUS REGARDING THE INCORRECT INFORATION THAT DISPLAYS ON MY CREDIT REPORTS AND HAVE TRIED NUMEROUS ATTEMPTS TO HAVE THEM REMOVED AND YET NOTHING HAS BEEN DONE. ALSO THE FACT I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Equifax : Collections : 1.XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX  XXXX 6.XXXX  XXXX Closed : 1.Dept of EDXXXX 2.XXXX XXXX XXXX-0XX/XX/XXXX 3.XXXX XXXX XXXX XXXX reported XX/XX/21 4.XXXX XXXX XXXX XXXX  : Closed : 1.Dept of EDXXXX 2.XXXX XXXX and XXXX XXXX : Collections : 1.XXXX XXXX XXXX 2.XXXX  XXXX Inquiries : 1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX XXXX Closed : 1.Dept of EDUXXXX 2.XXXX XXXX And XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently, I, ( XXXX XXXX ), was denied an extension of credit by Barclays. On XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). BARCLAYS has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. BARCLAYS should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved

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 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I sent a letter ( attached ) to all three credit bureaus asking them to validate 2 accounts on my credit report and to correct a duplicate account. 
30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.

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 2021-04-16
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX of collection reported on my account/collection letter sent to me, National Credit Adjusters add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX : Ocwen Loan Servicing LLC Loan # XXXX Property Location : XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX I currently own an apartment located at XXXX XXXX Ave., # XXXX XXXX XXXX, NY XXXX [ XXXX XXXX, New York ]. 
My mortgage is held by Ocwen Loan Servicing LLC. Ocwen is located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
My current mortgage payment is {$690.00} [ Loan # XXXX ].  The outstanding amount owed on that mortgage is currently around {$33000.00}. 
The Fair Market Value of my apartment is around {$310000.00}. 
On XX/XX/XXXX, I received an Annual Escrow Account Disclosure Statement that reflected RIDICULOUS new charges to my account. 
The statement reflected that I owed County Tax on my apartment for {$83000.00} for tax year XXXX and {$110000.00} for tax year. 
Therefore, according to Ocwen, starting XXXX XXXX, my monthly mortgage payment would now become {$11000.00}. 
Upon receiving the Annual Escrow Account Disclosure Statement, I immediately contacted Ocwen to ; 1 ) Inform Ocwen that there was NO such thing as a County Tax in XXXX XXXX, NY. 
2 ) Ask them where they had gotten the information that was reflected on the Annual Escrow Account Disclosure Statement.
3 ) Provide me with the information that they had used to include that false charge on my Annual Escrow Account Disclosure Statement. 
4 ) Ask them why they did not question how there could be a County Tax of close to {$190000.00} on an apartment that had a Fair Market Value of {$300000.00}. 
5 ) Ask them why they did not contact me about the supposed County Tax before it was included in my Annual Escrow Account. 

During the last month, I have spent at least six ( 6 ) hours on the phone with at least five ( 5 ) different Ocwen Representatives who EACH promised to provide me with the information. 
I was told by each Ocwen Representative that the information would have to be researched and they would get back with me within the week with answers to my questions. 
Ocwen also scheduled two ( 2 ) different phone appointments with me to discuss their findings. 
Although I made myself available for both of the phone appointments, NO ONE EVER CALLED. 
NO information about who instigated the fraudulent County Tax has ever been provided to me.
Needless to say, I am unable to make a monthly mortgage payment of {$11000.00}.
I also should not have to pay for a County Tax that does NOT exist. 
I need your immediate help with this situation. If you have any questions you can contact me at either number listed below. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Land Line ) ( 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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
since XX/XX/2021 I have been trying to get Transunion to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
accounts being dispute XXXX XXXX XXXX XXXX Opened XXXX {$210.00} XXXX XXXX  Opened XXXX {$410.00} XXXX XXXX Opened XXXX {$840.00} XXXX XXXX XXXX Opened XXXX {$970.00}

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 non-monetary relief
Consumer complaint received 2020-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex girlfriend ran up credit cards I didnt know that I had, stole credit cards from me, on one occasion used my credit card to pay for storage of her belongings, after we parted the  relationship, and used it like as an automatic payment source after I paid the initial costs for the storage, as per our agreement, but then saved the card as the monthly payment source without my consent I will help in any way to prove these charges are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Shellpoint Partners, LLC
State: WI
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:
XX/XX/2021 - Shellpoint has confirmed that there would be no negative credit reporting, although they admitted to making the mistake of filing negative credit, but have now completed the corrections on the other two reports. XXXX  is still showing >120 late. Although confirmed that the forbearance could not be reported as negative credit, it has not yet corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
New and updated information. 
I sent a cease and desist letter along with a SECOND request for debt validation to NAVY FEDERAL CREDIT UNION which was received by them on XX/XX/22. NAVY FEDERAL CREDIT UNION responded only with the exact same thing they sent in response to my initial debt validation request which is an envelop containing statements which IS NOT proof of validation as REQUIRED by federal law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation