BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: IL
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:
I have disputed an unauthorized charge with my credit card company multiple times, and the dispute has been denied. 

The charge in question is dated XX/XX/2020, in the amount of {$1900.00}, to XXXX XXXX XXXX XXXX XXXX. 

As I previously reported when I initially disputed this charge, I did not make this charge and did not authorize anyone else to use my card or make this charge. Additionally, the referenced vendor is unknown to me, and I did not receive any benefit as a result of the charge. 

I received a text message alert concerning the charge, while at work, on the day of the charge in question. When I contacted my credit card company, I was informed that I could not dispute the charge until it had posted to the account. After the charge posted, I promptly disputed it. Following a period of presumed investigation, my dispute was summarily denied. 

The credit card company explained that because the card is EMV chip enabled, there exists no other explanation than that I or someone with my authorization was present and made the transaction using a chip card reader. I have not been able to review the records the credit card company interprets to indicate this, but I do have my own evidence and testimony to demonstrate that the card was not used by me or any other authorized party.

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 2021-03-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
dear sir, this letter is a response to you letter dated XXXX. 
XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX our request for proof of ownership of the alleged debt is been denied by wells fargo the servicer ..that raises serious issues of legality of the foreclosure on my property. 
on the motion of foreclosure you are the trustee of the alleged trust but you are claiming you have no responsibility or any authority over the alleged debt or loan. 
my question here is what are your duties as trustee in the alleged motion of foreclosure. 
you represent a remic trust that suppose own my mortgage or debt, you as trustee suppose have all records with related activities. 
i will request the involvement of the CFPB IN THIS MATTER, am asking AND REQUESTING a bank account were will show the alleged account when was purchased and iID. OF PURCHASER, YOU CAN NOT CLAIMING TO BE A TRUSTEES IF YOU DONT DO YOUR JOB AS TRUSTEE. 
also am requesting a record all related payments going to certicate holders and proof of existance of my debt in the alleged trust. 
the note does not show any signs the debt was securitized ... 
and i assumed was not.. no endorsement on the note from any entities involved in the securization process. 
XX/XX/XXXX also your involved in mortgage assignment that don't assign anything because no movement of fund is showing anywere. 
if you are a trustee for the alleged trust ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX-BACKED PASS-THROUGH CERTIFICATES, SERIES XXXXXX/XX/XXXX REQUESTING FROM YOU RECORDS OF OWNERSHIP OF THE DEBT BY A WAY OF PAYING FOR NOT ASKING NFOR A REPORT AM ASKING FOR THE PROOF OF OWNERISH OF THE DEBT BY THE ENTITY YOU REPRESENT. 
DATE THE DEBT WAS PURCHASED CHECK OR WIRE TRANSFER ID NUMBER with loan number LOAN ACCOUNT WITH RELATED ACTIVITIES ON THE XXXX YOU CAN NOT REPRESENT A TRUST THAT DOES NOT EXSIT IF XXXX CAN NOT PROVE THE EXSISTENCE OF THE TRUST WITH RELATED ACCOUNT YOU CAN NOT LEASE YOU NAME TO FICTIONAL ENTITIES QAND NOT KNOWING ANYTHING ABOUT THE TRUST AND ABOUT THE ALLEGED LOAN. 
I WILL ESCALATED TO THE NEXT LEVEL WITH THE CFPB AND THE USA ATTORNEY GENERAL IF YOU CAN NOT FULLFIL MY REQUEST OR COMUNICATE WITH THE THE ALLEGED SERVICER WELLS FARGO IF THEY HAVE THE RECORDS OF DISBURSEMENTS TO CERTICATE HOLDERS OR THE RECORS OF PROOF OF OWNERSHIP OF THE DEBT./ THIS IS A SERIOUS MATTER, DONT PLAY WITH PEOPLE LIFE. 
GIVE ME THE PROOF OF OWNERSHIP OF THE DEBT.///

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 2020-05-16
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
Credit Acceptance closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of $ XXXX  monthly on my XXXX  on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.

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 2019-08-27
Company: CNG FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Ms. XXXX called me XX/XX/XXXX, trying to collect a debt from XX/XX/XXXX. She would not verify herself, her company, and she did not verify me. She did not read the " this is an attempt to collect a debt '' nor was i on a recorded line. If i was on a recorded line, she did not notify me. She told me I had ONE hour to pay. I told her I needed time and needed to research this before paying. She then somehow called my boss 's mobile phone, was rude to her, and this was extremely embarrassing to me at my place of work. When I called her back ( I called her on an XXXX number, she answered " hello '', she did not answer with a business name ) to tell her it is illegal to contact my boss, and it is also illegal the way she handled the entire call. She became irate, unprofessional, and told me to " quit stealing money and I should know better '' then she became threatening, and told me to " just wait '' There are SEVERAL Fair Debt Collection Act violations in this scenario, and I can not find any information on " XXXX XXXX '' there is also a XXXX number she has called from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited XXXX. XXXX owned to XXXX XXXX I deposited XXXX FIL coin owned to cXXXX XXXX And some other coins I already owned like {$300.00} worth. 

All in all about {$2500.00} worth of coins Anyways I made two purchases for {$350.00} each on crypto on XXXX XXXX. 

My bank rejected the transaction so XXXX XXXX  disabled the trades and withdraws on not just what I bought but ON THE ENTIRE ACCOUNT HOLDING MY MONEY XXXX. 

This is a OUTRAGE .... anyways i resolve the bank problem and a few days later. And XXXX XXXX is now paid. 

But now they still have my account disabled I canr withdraw my crypto they refuse to respond to a email they just keep emailing saying they are " sending my email to a specialists which according to users online who have issues with XXXX this is there way of saying XXXX you were never fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: NY
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:
As recently notified, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: NY
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:
here are three issues One, I had a XXXX  card Account number XXXX opened XXXX of XXXX they closed my account they bullied me by doing this and not looking into the matter. They put a late payment on my account XX/XX/XXXX XXXX This was an error because I have always been set up from auto pay ) when the rep called me about I asked what happened to my auto pay they could never explain why it did not take out a payment. I immediately made a payment with them over the phone. they were never able to see why the auto pay was stopped even though my bank showed no error on their end there was also funds in my account. They rep fraudulently entered me into some type of repay contract which stopped me from being able to use the card ) I didn't know that was cutting me off from my card. I was never late ever with my card. I used this card with pride. I continued to pay my balance down to XXXX  they still would not let me use my card. Then on XX/XX/XXXX they closed my account. XXXX has ruined my reputation cause me to be denied for credit for a closed account and and false Late payment that was NOT from me doing anything wrong. this was a long running credit history with {$12000.00} line of credit that was taken from me without my authorization. They said they closed it due to a negative account from XXXX XXXX which leads me to my second issue. XXXX XXXX put an erroneous account, Account number XXXX on to my credit report which they had no permission from me to do so. I tried several times to get verifiable details to prove this account belongs to me and XXXX  have failed to provide anything with my signature or a sworn affidavit to prove they have validated this account to be truly mine. As you can see they have also ruined my reputation by putting this negative false account on my credit profile. I have tried several times to have this info removed by contacting Experian, XXXX, and XXXX  to remove this unverified information they are all using their power to ignore my concern this bullying technique is not fair! This is hurting me mentally and financially. I am being rejected for credit because of this. Which brings me to my 3 complaint. Lastly, these credit companies Experian, XXXX, and XXXX are violating my rights by not providing the documentation they are suppose to have on file to prove accuracy of this XXXX XXXX account. I never gave anyone permission to add this to my credit report.

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 2021-03-31
Company: State Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text message with a link to a Website and a phone number. The website looked legitimate, so I called the number to resolve the issue. The seemed to have my name on file and phone number, though when I called them out for not correctly having other information attached to my name and that this is an error, they hung up on me which clued me in that it was indeed a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The company listed is in violation of the fair credit act, they continue to report to each of the credit bureaus false and inaccurate information. 

what they are listing is that I resided at an address that I have no association with, ( XXXX XXXX XXXX XXXX XXXX PA XXXX ) it is not listed on my credit report, therefore they are in Violation of reporting. 

I have mailed proof, federal documents to have the item removed and it is still reporting as negative and needs to be removed as I will be filing legal action. 


I again have attached my proof of residency as well as my federal documents proving my identity and address.

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 2018-04-01
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: Account status incorrect

Complaint:
The information on my XXXX credit report shows that I closed my oldest active account, resulting in a 48 point decline in my score. I never closed any accounts- paid off a loan and my car. What do I do?

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 2018-07-02
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with XXXX XXXX XXXX. I attempted several times to obtain a modification unsuccessfully. I attempted to short-sale unsuccessfully. The name of the game was DELAY, DELAY, DELAY. My home at XXXX XXXX XXXX XXXX, XXXX  XXXX was eventually foreclosed on. I am including the documents. CFPB received a response from XXXX XXXXXXXX XXXX now XXXXXXXX XXXX on XX/XX/2018 on a complaint I filed to be included in the settlement that XXXXXXXX XXXX, XXXX XXXX and now Ocwen Loan Servicing are all attached and in the loop. This is the same problem some seven years later now of one finance institution transferring the loan to another finance institution to another serving institution in order to avoid working with the home owner.It can get so confusing that they hope the consumer ( home owner ) gives up. They are then off the hook. NOT HERE! I am now filing my complaint against Ocwen Loan Servicing, LLC. I would appreciate CFPB contacting Ocwen and  getting their response or better yet Ocwen resolving the issue by sending me my portion of the settlement. Anything less then once I receive a different response, then I can turn all this over to my attorney who awaits Ocwen 's response. Then we can let the attorneys work out a settlement. I have not been contacted by Ocwen by letter or phone over the last five and a half years since moving to XXXX XXXX and since my home was foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ocwen has been reporting my mortgage late in error. Disputes were submitted through the credit bureau 's for correction of payment histroy. XXXX  updated payment history for myself correctly, however, Ocwen is still reporting erroneous late payments to my XXXX  report and also on my wife 's XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent out letters to all XXXX bureau. 
60 days later no response. Im sending out my second set of letters 60 days later. This is a violation of my rights as the FTC would state. Please remove all unverifiable information off my credit reports or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
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 am writing out of frustration. XXXX XXXX continues to report information to Experian Credit reporting service that shouldn't be there. The Home Equity Loan that they are referring to was paid off in XX/XX/XXXX ahead of schedule. I did file for a chapter XXXX bankruptcy in XX/XX/XXXX, and the Home Equity Loan that they are referring to was the only Mortgage on my home and I continued to pay the loan and did not miss a payment. The concerns I have are several : ( 1 ) How can a bankruptcy continue to be on my report after 10 years. XXXX XXXX have the negative information to continue until XX/XX/XXXX. This all started when I contacted the XXXX XXXX Unauthorize Account Settlement through an Email sent to me. I had several misallocations of my Equity Loan payments that led me to believe that they may have opened an unauthorized account. I wasn't sure, so I responded to the Email. Big mistake. My claimant conformation number is XXXX. 

I have additional information, Experian credit report, my equity Loan number is XXXX. If more information is needed please contact me and I can fax them over. I am a XXXX veteran and adding an additional 7 years of negative reporting on my credit report is practically a death sentence. Thanks for your help.

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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
THESE COMPANIES ( XXXX, a XXXX, and Transunion ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.

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 2018-07-12
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this was a court hearing I did not get to attend and I am getting garnished for something that is not mine. the case was filed on XX/XX/2016 in which I had no idea because of a change in mailing address at that time. the signatures that they have had on file are not mine. this was removed even from my credit report as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was paid in full back in XX/XX/2012. If you have proof that I am responsible for this debt, mail me the sales receipts for validation. 
I need my credit report to be updated and this debt to be cleared. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have made the international transfer on XX/XX/2021 via XXXX for the sum of XXXX USD plus a XXXX USD transfer fee total of XXXX USD, Recipient never recived the money, I contact the XXXX they stated it is completed and they transfer it to their third party partner they will check with them and get back with me been a month after that I contact Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they investigate. XXXX XXXX again its completed and they transfer to their third party partner, Bank XXXX XXXX says they cant dispute and please contact XXXX to resolve the issue I called XXXX again they said they can't help me so I contact Bank XXXX XXXX again so and referred my to the consumer financial protection bureau now I am in a situation I lost the money

Company response to consumer: Closed with explanation