BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX, XXXX XXXX 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 an 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. 15 USC 1681a ( d ) ( 2 ) ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, and this also clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home from PHH Mortgage. According to PHH Mortgage I was to receive a refund within 2-3 business days of the note being paid off. That check cleared on XXXX. I have contacted PHH again and they are stating they have requested a copy of deed from the town and they have not received. They further stated the refund can take up to 90 days. Just because I have had numerous issues with this bank I am inquiring if this is legal. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00}

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 2023-11-29
Company: EQUIFAX, INC.
State: TN
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:
My account information with Equifax was breached and I have filed a claim for the Equifax Data Breach Settlement. I have attached proof that my Equifax credit reporting account has been impacted by this breach ( as per Equifax 's confirmation in referencing me an engagement number XXXX ). Equifax has refused to delete this breached account : XXXX XXXX XXXX XXXX XXXXXXXX which is currently still reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to the company asking them for the forms I have signed for the " Loan '' they claim I took out. They send me blank forms with no writing, no signature or other identifying information. I now have a Fraud alert on my account for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Sorry no options to choose for my case you can make correction I have appointment with XXXX XXXX City bank Day Monday XXXX time XXXX XXXX  to XXXX XXXX  Location XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX To complete something me and XXXX XXXX we spoke about it Friday I went to the bank and I started with XXXX XXXX at XXXX after 8-10 mint female from the bank she was next to us at another computer she came and talked to me I answer all the questions and I continue with XXXX XXXX And after 7 mint she came back and talk to me again I told XXXX XXXX I dont wont to talk to that lady I have appointment with you can you do your job with me please XXXX XXXX she sad yes before I leave the bank I ask XXXX XXXX if I can file a complain about the female she came twice and talk to me XXXX XXXX she sad yes I ask XXXX XXXX if she can give me the name for that female XXXX XXXX she write the name for that female in the back of the business card the one for XXXX XXXX that happen during the appointment before XXXX non Before I walk out side the city bank I told XXXX XXXX I am not happy about the way that female was talking to me and please she not alow to do any thing under my name or my account or my appeal or my disputed or my social security number When I finish my appointment immediately when I was at the side walk of the street I could not read the name the one XXXX XXXX give it to me I write email to XXXX XXXX The email I send to XXXX XXXX exactly Hi City bank XXXX Day Monday time XXXX non XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Reson have appointment with XXXX XXXX Thank you for your help I would like to ask about 1- if my new appeal been send successfully or no 2- I ask you about the name for that woman she came ant talk to me if you can send me the name because I couldnt read it 3- she not alow to do any thing under my name or my account or my appeal or my disputed or my social security number 4- I hope If you can speak with city bank   management about what happen The end of the email I send to Please send me the name She email me the name ( XXXX XXXX ) At XXXX XXXX I reserved missed call from number XXXX ( XXXX ) XXXX At XXXX I have one more call from XXXX ( XXXX ) XXXX I answer the phone ( XXXX XXXX ) she calling me???.! 

And she ask me about my appeal I ask XXXX XXXX 1- why she call me 2- how she get my number 3- I told her she not alow to contact with me I will attached 1-the photo of the name for XXXX   XXXX  the one XXXX XXXX give it to me 2- photos of the screen shots for the missed call from XXXX XXXX  3- photos of the screen shots for the phone call from 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 2020-12-24
Company: BANKERS HEALTHCARE GROUP LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The CFPB has jurisdiction over this matter because it concerns the an installment loan # XXXX by Banker 's Health Group ( BHG ) which was originalted on or around XX/XX/XXXX. On or around XX/XX/XXXX, after prolonged illness related to XXXX under XXXX  XXXX  XXXX XXXX ( XXXX ) combined with severe setbacks caused by XXXX and furlough, i attempted in good faith to extend an existing loan modification/forbearance ( original dates range from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to BHG as an alternative to bankruptcy and reasonable accommodation under XXXX. 
***Further, XXXX XXXX also applies due to XXXX STATE OF EMERGENCY IN CALIFORNA PER GOVERNOR ORDER, and BHG is duty bound by its lending/banking authority to make reasonable allowances for this STATE OF EMERGENCY until it is officially lifted and normal business resumes. XXXX Although BHG claimed a 10 day turnaround for these requests, I did not hear back, and I can only assume BHG 's systems are overwhelmed due to these unprecedented times. BHG is subject to California Financing Law License No. XXXX ( Enclosure. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: GA
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:
These accounts have not been updated since 2015 and having a negative effect my credit score! XXXX is reporting these accounts have been late, which is not correct. 

The dates, and balance information on these accounts are inaccurate and I'm requesting this information be removed, per the FAIR CREDIT ACT, 611. 

XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX Please see the STATUS DATE ON THIS ACCOUNTS. This has always been an issue with XXXX and the CFPB never do anything about it, so I'm requesting assistance here again and I will reach out to the State Attorney as this makes no sense. 

The was understand the impression the CFPB was enforce rules and law for the consumer of America, but in most cases with XXXX  nothing is never done as they have been sued for a number of law breaking actions.

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 2022-05-24
Company: AmeriCollect
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:
With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Radius Global Solutions LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit company reported a derogatory alert on my XXXX twice in 1 week. The dates reported as listed XX/XX/2020 and XX/XX/XXXX. This company is clearly using these tactics in a attempt to ruin my credit.

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 2020-03-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
For 3 years, I have had credit card accounts with CitiBank that earn frequent flyer miles from XXXX XXXX. I have business and personal accounts listed in the name of XXXX XXXX registered to the address in this complaint. 
On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Citi credit cards. I applied for these credit cards in my own name and was vetted through identity checks and credit reports by Citi. I used the credit cards daily for purchases and earned frequent flyer miles. Citi sent me email offers to add new credit cards and to upgrade my cards, which I did, and earned additional frequent flyer miles from this. Now, Citi says that it is 100 % not involved in the decision by XXXX to close the accounts of many frequent flyers. Citi has engaged in deceptive practices towards its customers by routinely luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Citi claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Citi claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Citi for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Citi fails to enforce in any way. Citi claims ignorance regarding its own products and refuses to protect its own customers.

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 2023-03-16
Company: EQUIFAX, INC.
State: AR
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 NUMEROUS 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 items : XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2500.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$190.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Westlake Services, LLC
State: NY
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 inquiries on my credit report that I dont recognize nor did I authorize

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 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, I added a new payment account ( XXXX Saving Account ) to my Citi Credit Card account and attempted to make a payment using this method. Citi processed this payment request on another saved payment account ( XXXX XXXX  Checking Account ). On XX/XX/2020 I noticed what had occured and called both Citi Credit Card & XXXX XXXX. XXXX XXXX  understood the situation and provided guidance on moving forward. When I spoke with Citi phone support they were unable to determine or confirm if this was a technical or user error. I explained that this was a new account link and I double checked the confirmation screens to insure the correct account was selected for this payment from a new source. 

I asked for direction moving forward, and was told at this point there is nothing that can be done, just to wait the transaction will fail and once it does I can try to process the transaction again. 

On XX/XX/2020, Citi attempted to process the transaction again. ( which also failed ) I contacted support again to ask why, and was told that the transaction will automatically process 3 times and that I should contact them in the future to see if the fee can be wavied. I asked them not to attempt to process the payment any further and was told the agent didn't have the ability to complete that request and that the automation system would attempt to process the payment 3 times.

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 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NY
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:
I am writing to bring to your attention a matter of utmost concern regarding the unauthorized use of my personal information in the Equifax data breach. I recently discovered that my sensitive information was compromised, and as a result, fraudulent accounts were opened in my name without my knowledge or consent. 

I initiated a credit search as part of my preparation for purchasing a house, and to my dismay, I uncovered several unauthorized accounts that were falsely attributed to me. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX Account XXXX : {$400.00} ( Date : XXXX ) Account XXXX : {$830.00} ( Date : XXXX ) XXXX XXXX XXXX Account XXXX : {$1100.00} ( Date : XXXX ) Account XXXX : {$2000.00} ( Date : XXXX ) XXXX Account XXXX : {$1900.00} ( Date : XXXX ) Account XXXX : {$7400.00} ( Date : XXXX ) It is crucial to note that I was entirely unaware of the existence of these accounts, as I had not initiated any financial transactions with the mentioned institutions. The discovery of these unauthorized accounts has not only jeopardized my financial standing but has also raised serious concerns about the security of my personal information. 

I am seeking your assistance and intervention in rectifying this matter promptly. I kindly request that the CFPB investigates these fraudulent accounts, facilitates their removal from my credit report, and takes appropriate actions against the perpetrators involved in the Equifax data breach. 

Your prompt attention to this matter is highly appreciated, as it directly impacts my ability to secure a home loan and threatens the overall integrity of my financial profile. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: Experian Information Solutions 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:
There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at Experian they stated that XXXX XXXX XXXX  XXXX unblocked the debt and Experian has no way of re-blocking the debt back. Which is odd because Experian have the ability to unblock and block accounts.

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