BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by 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 2020-05-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Wallet was stolen while at a store. Credit Cards were used by a thief that was later arrested. All Credit Card companies released liability of card holder, except Home Depot. 
Call was made to Home Depot the day of the theft to cancel the card and report theft. Home Depot was given the XXXX Police Department case number, During said call on XX/XX/2020 at XXXX XXXX XXXX XXXX EST. Along with detailed info about wallet being stolen while out shopping. The Home Depot Card was used by the thief that day. 
Letter received from Home Depot dated XX/XX/2020 Stated that they will review the fraud claim and the card holder is not responsible for anything until they render their decision. 
Letter received from Home Depot dated XX/XX/2020 Stated that after their review, the card holder is responsible for the full amount of the charges exceeding {$700.00} USD. 
Home Depot certainly knows the liability cap as per CFR 12 on stolen credit card physical usage reported within twenty-four hour 's to the credit card company is {$50.00}. 
I have called Home Depot today after receiving last letter in an attempt to resolve this matter. XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX XXXX. She acted surprised like Home Depot hadn't received any of the Police Case numbers or information that a wallet theft was the case. ( Which they were given when first reported on XXXX XXXX ) However I was informed that I was now liable for all charges and interest until another review and decision was rendered. I asked and was denied any additional contact information : ( ex. email, last names, supervisor contact etc. ) I was informed that it will take seven to ten days for another review, possibly up to 90 days. 
I am the victim of a reported crime and feel like I am being re-victimized by Home Depot by being told that I am liable for charges that I did not make. I also explained to their rep today that they can file for restitution through the XXXX County State Attorney 's Office because the thief was arrested, which they told me they don't do. 
XXXX Police Case # XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I request that the CFPB investigate this matter. I would also like for Home Depot to release me from these unauthorized charges as per federal laws and for Home Depot to waive any and all fee 's included in this case. Also Home Depot should require  Identification on any credit card purchases at the counter over XXXX XXXX Dollars.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-26
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
FDCPA violation.15 U.S.C. 1692 clearly uses verification not validation of the debt. Verification generally means some sworn document or affidavit. I have repeatedly requested this information from Ocwen. They have only sent documents like copies of the origination paperwork. These documents do not provide verification of the debt, do not provide copies of the wire transfers, or any other evidence that would provide verification of the debt nor information concerning the current creditor. Make no mistake, this debt is in dispute and my requests have been insufficiently responded to. Ocwen is required and duty bound in the statute before collecting or enforcing the debt to obtain verification. And that means they cant verify it themselves unless they are the actual lender. And the statutes says pretty clearly that they must give me the lenders name and contact information past and present. 

If the servicer knowingly proceeds when it KNOWS there is a question of title, a question of who is the creditor, and knows that this loan was sold to third parties that have not been disclosed to the Trustor nor the Trustee, then the trustee is more than a nominal party, to wit : they are a co-venturer in a fraudulent scheme. 

The Washington State Sec has issued me Certificates of no record for both XXXX XXXX or of XXXX XXXX  XXXX XXXX XXXX. As such they have no legal right to conduct business in Washington State and therefore no ability to grant legal authority to authorize any foreclosure or collection activity in their behalf. You know or should have known that this is an invalid trust as the information is readily available online through their site and I have informed you as to the issue.. I have brought this issue to your attention, and by ignoring them, you risk becoming legally a party to Fraud in Fact by Deceit ( Obfuscation and Denial ) and Theft, Fraudulent Conveyance, as well as Theft by Deception and Fraudulent Conveyance. You have been duly notified of the issues and therefore you are obligated to verify their veracity. To ignore them will put you in legal jeopardy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Gm Financial illegally took my car while I was in it. Gm Financial also charged me usury interest rates on my loan. During a look into their financial records I found that they sell their debt to pass through companies that run it around the country into various state before being sold to major banks and the sold as cdos to private investors. When the debt is in the hands of a private citizen is it not subject to usury?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap 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

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 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my Bank of American CC on time in XX/XX/2018. In XX/XX/2018 I received my a new statement with a {$25.00} late fee and interest. I called in XX/XX/XXXX, the rep said they were sorry and took off the interest charge, but not the late fee. At that time I closed the account. On XX/XX/XXXX I recived a new statement with {$25.00} late fee and interest, I was not late I called again today and they would not take off fees

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 2019-11-06
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 account XXXX  XXXX {$2400.00} account # XXXX, in XX/XX/2019 this account was placed by Equifax on my credit file. I disputed as not my account, Equifax investigated and removed XX/XX/2019. Now I checked my credit and as of XX/XX/2019 it is back on my credit by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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:
Experian responded to my original complaint by telling me I am not me. Please see attached social security card and my Identification and FTC reports for the second time. please review

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 2020-07-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested to receive my credit reports from the following credit reporting agencies and was told that no information was found.

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 2019-02-28
Company: PNC Bank 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: Account information incorrect

Complaint:
I had gotten a loan modification with PNC Bank but the payments show as late even though I made all the payments according to the guidelines on the loan modification. I would not have gotten the final modification if I were late on the payments during the trial modification period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
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 co-signed for my father for a XXXX XXXX XXXX with XXXX XXXX. We had the car for some time until XXXX when the state of California suffered the most destructive wildfire season on record, the California Governor declared a state of emergency for several counties. Due to this emergency our finances were affected since our only source of income XXXX work ) went slow and at some point, we could not drive to our workplaces and later me and my father were layoff. This situation extended from XXXX to XXXX during these 8 months without work we couldn't afford the car payments and other payment. We back to work on XX/XX/XXXX but by the time the car was repossessed and sold in auction, sad we lost the car due to a situation out of our hands. 
Now I am trying to apply for another auto loan but of course is a scare in my credit history, I have on my personal credit reports the XXXX XXXX auto loan account with a perfect payment history until XX/XX/XXXX and then all the following moths with a repossession status. I called to XXXX XXXX asking for the refrain from reporting delinquent on the account, tried to dispute the account because it should be some regulations for cases like this but they just told me that is not possible to file a dispute or investigate the case. I am filing this complaint asking for the bureau protection, I hope exists some compassion and flexibility when credit customers are affected by major disasters. My credit was deeply affected for this disaster an as credit customers I need to be protected when these events happens and are out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had checking and savings account with ally bank. Please refer my previous CFPB complaints about ally bank. Ally bank retaliated against me and closed my account. I asked to send me all my statements for all my accounts by electronic mail - but ally did nothing. Ally won't be keeping my online access intact. I need these statements for the last 7 years.

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 2018-10-15
Company: EQUIFAX, INC.
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 have set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!

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 2019-08-29
Company: EQUIFAX, INC.
State: OK
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/2019, I submitted a request via USPS mail to Equifax for further information about 2 entries on my credit report ( original letter attached ). I made my request under Fair Credit Reporting Act Section 609. Specifically, I requested to see the original sources of information for the 2 entries on my credit report. 

I requested the company name of the source, the contact name, the contact phone number, and the date Equifax contacted the source. I also requested to see the original contract or service agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: Pinnacle Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this company XXXX/Pinnacle LLC on my credit report stating I owe {$1900.00}. I sent them certified letters requesting validation made pursuant to the Fair Debt Collection Practices Act & Fair Credit Reporting Act along with validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay on XX/XX/XXXX & XX/XX/XXXX. On XX/XX/XXXX I received a letter from this company stating they have initiated a review of the inquiry. On XX/XX/XXXX I received another letter which they sent an account summary which according to the FTC an itemized printout does not represent verification. On XX/XX/XXXX another letter from this company stating the information provided along with their review of the account is insufficient to support their claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$870.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}

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 2018-04-16
Company: CCI Financial, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XX/XX/2018 I was a victim of Identity theft, someone was using my Identity to open up accounts, and get loans. I found out when I pulled my credit report, because I was looking to purchase. I was shock to see that there were many accounts I did not open. I contacted the police department, and filed a report, as well as filed a Identity theft report. I then spoke to all three credit companys, and requested reports from every credit company. I seen that somone was using my Identity with a different driver license, to open accounts through XXXX XXXX XXXX, and many other banks for lines of credit. Then I got a letter from some online payday place called XXXX XXXX, about a loan that was made for the amount of XXXX to the fraud account with XXXX XXXX XXXX. I do not have account with XXXX XXXX XXXX, and or a loan with this company. I spoke with XXXX XXXX XXXX and they alerted the account as fraud. I spoke to XXXX XXXX boy was that a mistake rude did not care lied was on the phone for two hours, was told that if I payed XXXX hafe of the fraud loan that was obtain with this fraud XXXX XXXX XXXX that they would not report me to collections, and all the credit companys, and XXXX. No heart they did not beilve me even after I told them I have proof.

Company response to consumer: Closed with explanation