BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: CITIBANK, N.A.
State: VA
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:
Back in XXXX, we were looking at moving companies. I authorized a down payment for a moving company to book the service and lock in the rate. Come to find out that they lied to us and doubled the price. We told them we weren't going to be doing business with them and they charged the card for {$1000.00} without our consent. I brought it up to Citi and for MONTHS have been bounced around to different departments but they refuse to help me. The response I got was " you gave your card number to a company. You therefore authorized them to use your card for their transactions even if you didn't sign off on this charge. '' That's completely unacceptable and insane to think that they can charge my card for whatever amount they want without my consent and it's okay because I 'gave them my card number '. That's exactly the definition of a unauthorized charge. Citi has refused to escalate my dispute further and refuses to help me with this transaction.

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 2018-05-22
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This loan was discharged in Chapter XXXX bankruptcy. received a call from FBCS regarding this debt. I am requesting a debt validation as I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Westlake Services, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi, I'm not quite sure what's going on but something doesn't seem correct about this account. There is no way that this account is mine because it showed that the account was open then closed down. Something seemed so awful about this account and the way it's reporting. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumerto dispute information directly with the furnisher.

What I am disputing : The account you have reported to the thre
e credit bureaus. My basis for this dispute is that I have no knowledge of this account.

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require.

Otherwise, please provide me with your documentation showing that this account does indeed belong to me.

Please send me copies of the contract used to establish the account with my signature on it.

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 


Sincerely yours,

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 2020-07-23
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had to get a loan while in school, the only option I had was a personal student loan and a co signer. I went through AES. I borrowed XXXX and I have been paying on this loan for around 15 years. I still owe XXXX I have tried to put this loan with another lender to help get it paid off and no one will take it. I have paid XXXX on this loan. I have asked to be on a forgiveness plan and it is not available. I am sick over this. I feel like this company is taking advantage of me and I am a single mom with XXXX kids. I just want to get rid of this loan I am not sure what else to do. I would love to have all the extra money I paid back to help pay my current bills. I really need some help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 {$0.00}

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 2021-12-08
Company: JPMORGAN CHASE & CO.
State: NJ
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 have proof of all of the below : I paid {$750.00} to adopt a purebred cat from a breeder. The individual took the money from my account via XXXX and I never heard from them again and obviously never brought me the cat. I complained to Chase and I have been given the runaround since XXXX to now. 

Just today I was on the phone for 2 hours and they said my claim was closed. I have never received emails or physical mail stating that. Nor did they ever ask me for proof of my interaction of the cat breeder. So Im not sure exactly what they investigated. 

When I said I dont think theyre understanding me, the customer service laughed and said in a mocking way, haha, Im not understanding anything youre saying. This was unprofessional because I was clear and concise and do not have an accent but XXXX the supervisor from the Texas claims department at Chase certainly did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: American Credit Acceptance, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and American Credit Accept to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was originally settled with the original creditor in 2009. XXXX XXXX XXXX tried to purchase the old debt which was disputed and garnish wages. A hearing was request to mediate between myself and this law office after multiple filings in different courts without my notification and not attending hearings. XXXX County Consolidated Justice Court placed a stay of garnishment on the judgement after I filed a motion and XXXX representatives did not appear in court. 

This law office has now tried to launch yet another case of judgment against my property under this same disputed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Account status incorrect

Complaint:
I currently have 2 closed credit card accounts with XXXX XXXX XXXX XXXX that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( transunion, XXXX, XXXX ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to XXXX XXXX Multiple times about having the accounts removed as well as all 3 credit reporting agencies.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Transunion XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( 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 2021-12-08
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
CHILD SUPPORT IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREED TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: REVERSE MORTGAGE INVESTMENT TR
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
1st issue Wrong Pay Office Information Given by XXXX In 2022, XXXX gave me a Reverse Mortgage Payoff. 
This was for a Reverse mortgage for XXXX XXXX XXXX, XXXX Loan # XXXX totaling {$25.00}, XXXX ( RMF Payoff XXXX page XXXX ) This included wire instructions to XXXX XXXX, Acct # XXXX & Routing # XXXX. ( RMF Payoff XXXX ( page 2 ) I wired the money & called XXXX XXXX & they said that the Account no longer exists & its incorrect. When I mailed email XXXX they didn't reply. ( Email Confirm of XXXX  ( XXXX XXXX ) It seems that after calling the bank & no reply from XXXX, I was given false or misleading pay off information & I wired the money to the wrong place.

2nd Issue - Overcharge of origination Fees is according to the Origination Fees on page 2 of 5 HUD-1 form. XXXX XXXX was over charged {$140.00} in origination fees. The HUD -1 Original Fees was {$2600.00} instead of the maximum allowed amount of {$2500.00}. XXXXXXXX XXXX home value was only {$40000.00}. 
( CFPB Complaint XXXX XXXX XXXX ) " The origination fee covers a lenders operating expenses associated with originating the reverse mortgage. 

" A lender can charge the greater of {$2500.00} or 2 % of the first {$200000.00} of your homes value plus 1 % of the amount over {$200000.00}. HECM origination fees are capped at {$6000.00}.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently noticed on my credit report ( s ) that information specifically inquired about information was reported I do not recognized. Several times I have enquired about these inquiries to the bureau 's to no avail.

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 2023-04-18
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Name is XXXX XXXX, XXXX XXXX. I work with XXXX XXXX XXXX XXXX. I went to regions bank on XXXX to make a wire transfer of XXXX thousand dollars to my account in homeland, till today regions bank has refused to send the money to my account as instructed, and the money has since been debited from my regions bank savings account. I have gone to the bank several Times to have this silted out but they have been treating me with disdain. 

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 2023-04-18
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: NC
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 AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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 2023-04-18
Company: Avant Holding Company, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2018-12-28
Company: Meridian Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made many attempts to let this company know that this debt is not my debt and that my identity was stolen as a result of the ID Theft, there were many accounts opened in my name and for some reason this company will not make any adjustments after repeatedly requesting them to remove this account from my credit report. 

I did not open an account with any timeshare companies and i do not have any active accounts or benefits with any timeshare. I would like to have my credit report updated asap in order for me to purchase a home. 

I have submitted a police report to the company and nothing has been done about it.

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 2020-12-11
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:
The following accounts are fraudulent and unknown and unauthorized by me. Thess accounts has been appearing and reporting on my credit files. Im demanding the removal of these fraudulent accounts. Please remove the following. 

1. XXXX XXXX {$300.00} 2. XXXX {$1000.00} 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$500.00} 5.XXXX  XXXX  {$60.00} 6. XXXX XXXX {$470.00} 6. XXXX XXXX {$310.00} 7. XXXX XXXX {$730.00} 8. XXXX XXXX {$160.00} 9. XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation