BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX Opened XX/XX/2013 Fraudulent account open in my name i did not apply for a XXXX  XXXX credit card nor did I receive this credit card or authorize anyone one to apply or use of this credit card this account is 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 2021-11-28
Company: CITIBANK, N.A.
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 dint apply for Macys

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 2020-05-29
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money to my wallet in CashApp and forwarded to an individual claiming to own a property for rent. When I arrived at the property, he said there was complications with the rental and said he would be refunding me my money. I requested a refund from the individual through the mobile CashApp but he declined it. I can not continue to request it through the app because now it is locked in the declined status. I would like to know what type of background information CashApp has on these scammers. I know if they have a XXXX  and banking information. I tried filing a dispute, but CashApp has no where on their website/app to do this. There is also no live assistance in this area. I tried to file a dispute with my bank to try to get the funds back, but because I put them in my own CashApp wallet to send to this loser, I doubt they will be able to do anything about it. Ruined my week, my vacation, my financial situation. Since the transaction was through CashApp they would have additional information for the recipient and I would like them to at least assist in rectifying it, or provide some sort of additional security measures for those that access their application. I will definitely never be using it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: BARCLAYS BANK DELAWARE
State: CA
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:
My identity was stolen in XXXX and a suspect had been using my account without my authorization, including making payments to the card for the unauthorized charges. I spoke to Barclay 's Card about it several times, have email trails and have provided all asked of me. I had the investigator speak to the police and the suspect, who has been identified and a warrant for his arrest placed. I have sent police reports and given the company the info to the probation officer of the individual and the police officer on the case to verify this. They have actually talked to the suspect on the phone, its not even me, its a man. They are holding over {$11000.00} of mine and have refused to return it since XXXX of this year.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX XXXX : {$1600.00}

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 2023-02-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am having Ally checking account since XXXX. I had used XXXX, XXXX XXXX and XXXX to transfer the money out of Ally bank account. On XXXX XX/XX/XXXX, I initiated {$5000.00} via XXXX. XXXX is instant money transfer from my ally checking account to my XXXX XXXX XXXX XXXXXXXX XXXX Texas ) Checking account. Chatted with Ally but I was told that it might take around 3-4 business days for this money to be transferred. 
When I initiate transfer via XXXX from XXXX XXXX XXXX XXXX XXXX Texas ) Checking account to Ally bank account-it 's done within a day. 
I have no idea why XXXX will take 3-4 business days when initiated from Ally bank account to external bank account. In the past, it will take few minutes for XXXX transfer from ally bank to external bank account or other person ( having account outside of Ally bank ). Ally bank is just getting worse day by day.

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 2021-05-25
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/2021 I apply for a cash out refinance on my home with Amerisave. 
I was told that for closing I need it to use XXXX as Title company and there was not other choice. I have no problem, everything was moving fast I was approved and all look good except for the title. 

I have an old Heloc with XXXX that was transfer to XXXX XXXX and the title company did do anything and they expect me to call XXXX to get all paperwork done. I call XXXX XXXX and they send them a letter explaining the situation and then the Title company said that there was a lien from an old loan. They are now claiming that XXXX told them that it takes 30 days to remove the lien. They could have started the process long time ago it is been already 3 months. 

House is 100 % paid off so I don't understand what is the lien they are talking about. It seems that XXXX is not really making any effort to clear the title. I was told by Amerisave that they are short handed but that is not really my problem.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: KS
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:
On XX/XX/20 I sent correspondence to XXXX XXXX XXXX-NCTUE stating that I was a victim of identity theft ( XX/XX/XXXXSigned Copy_Identity Theft Letter to Credit Bureau_NCTUE ) The letter was sent certified mail return receipt with tracking # XXXX, and was in NCTUEs possession as of XX/XX/20 ( USPS tracking Results ). 
The letter explained to NCTUE that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. 
This letter also contained the following enclosures : Research Request Form, A copy of my Identity Theft Report, Identity Theft Affidavit, Victim Authorization to Law Enforcement, Proof of my identity, Police Reports NCTUES, stated, in an email, dated XX/XX/20, Thank you for submitting your dispute to the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has started processing your dispute request for your telecom and utilities exchange data report for the referenced Confirmation Number. 
This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) NCTUE is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Despite the FCRA 's requirement, NCTUE has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am unable to transfer funds and/or make ACH deposits when using XXXX  or XXXX because PNC Bank is forbidding access to those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Two years ago a doctors office spelled my name backwards on their bill for {$360.00} and the insurance company denied the claim. Before we could figure out what the issue was the claim was sent to a collection agency. The issue was eventually identified and the insurance company paid the claim. The billing company told us they would request that the collection agency delete the collection account from my record. This was never done. Last month we applied for a mortgage and were denied because of this issue. We were told that our application could be resubmitted only after this collection account was deleted from my account. We filed disputes with the three credit bureaus on XX/XX/19. Within a week Trans Union and XXXX came back to us and said that the collection was valid and did not update my record. We then spoke with the collection agency directly. They submitted a request to the three credit bureaus to remove the account on XX/XX/19. XXXX processed the request and removed the account two days later. Trans Union and XXXX did not. I spoke to representatives of both companies on XX/XX/19 who told me that they never received the update from the collection agency and to file another dispute. I did so and again XXXX refused to update my account. I spoke to an XXXX representative on XX/XX/2019 who said that the issue is that the collection agency never sent the request to delete the file. I spoke to the collection agency again today XX/XX/19 who confirmed that they did indeed send the update to XXXX  and Trans Union and the issue is with the credit bureaus. No one at the Credit Bureaus is willing to help us and we are running out of time given our rate lock period with the bank. Obtaining a mortgage at a different bank will cost us an additional {$10000.00} in interest over the course of the loan.

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 2023-01-30
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been trying to talk to the company related to the collection and they understands that it was not my account that the collection is connected to. Ive never owned an account from XXXX and stated that multiple times to XXXX  as well as XXXX. All the other Credit Bureaus were able to understand that the account is faulty and isnt my account which resulted in it being removed from my account, but XXXX will not remove after Ive stated multiple times that it isnt mine.the collection is {$150.00}. Ive attached my phone company that Ive had for years. I have never owned a XXXX XXXX  product

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 2023-03-22
Company: Experian Information Solutions 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2014 XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}

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 2021-05-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have my saving account with synchrony and then my husband had deposited his paycheck in there but I didnt add him yet they called me and I explained it and apply for a joint account but now they restricted my account for the last 30 days and Im trying to pay my house its really been hard for 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 explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I XXXX verify its validity. 


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  : XX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You 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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I XXXX contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I XXXX verify its validity. 


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  XX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You 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 2023-01-30
Company: World Omni Financial Corp.
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:
XXXX XXXX XXXX, I was informed that there was a change to my credit report from XXXX XXXX Omni Financial. Ive paid my bills on time and Im unsure why the late payment is reporting. Theyre unlawfully reporting an unauthorized late payment on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
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 have been disputing things diligently with XXXX over and over.

I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs.

They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now XXXX  have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way.

These accounts in question are : XXXX XXXX XXXX  ( formerly XXXX XXXX ) -- -- that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing.

XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with Experian and reinserted under a different name to XXXX .

XXXX XXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name.

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain.

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone.

My last phone call with XXXX lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts.

THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.

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 2018-05-02
Company: Ocwen Financial Corporation
State: CA
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 had a mortgage with Ocwen Loan which was closed 10 years ago in XX/XX/XXXX. XX/XX/XXXX... 

I see they added derogatory information on my report stating that I have been paying a 30-day late on my mortgage every month beginning XX/XX/XXXX until XX/XX/XXXX. 

This is incorrect as the mortgage was closed in XXXX. 

When I called Ocwen to get this settled, closed and removed, the person on the phone, said, They were only trying to regain their losses. 

This account should not be appearing on my credit reports. 

The last date of Activity on my account with Ocwen was in XXXX.

Company response to consumer: Closed with explanation