BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ACT XXXX, Account # XXXX with 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: FL
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: PA
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:
Last XXXX, there was a series of unauthorized charges from XXXX, XXXX. I reported them immediately and they assured me that the charges would be investigated and I would not be responsible for the charges. I stopped making charges to help with their investigation and the next month, not only did they not take care of the charges from this source, they said that I was responsible for the payment of the charges. I called the customer service line and they assured me they would take care of the problem. The next month the charges were still there so I called again and there was a promise that the matter would be take care of, and I let them know that I would not be paying on charges that I did not make. Let me say that on all the calls made to the Customer Service or Security Line, there was a great deal of trouble understanding them. They may have out-sourced this department but they barely spoke English. 
On XX/XX/22 I received a XXXX delivered letter threatening me that if I did not make payments on my bill that they will be notifying the credit bureaus. A day later I received a bill from Citi that my account was in default. I called on XXXX XXXX and spoke to a rep. She looked into the issue and told me that in 3 business days that my account would be leveled to XXXX. Tonight I tried to add airtime to my mobile phone but my card was declined. I have had an account with Citi Cards for over 30+ years. No problems, no delinquencies, I have always paid my card off every month. I guess this is how you are treated if you are a " freeloader ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
! account number XXXX! Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX Last Payment Made XX/XX/XXXXXXXX Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing is the loan servicer for the mortgage on my primary home in DC. Lakeview is also responsible for collecting escrow to pay my property taxes and insurance. I pay my mortgage and escrow in a timely manner each month. 

My most recent property tax payment was due in DC in XX/XX/XXXX. Lakeview claims to have made a payment for my property taxes last XXXX, but either DC never received it or the payment was never actually made. Now, DC is charging penalties and interest on this tax payment from last XXXX. 

I realized that this payment was not made in XX/XX/XXXX while trying to refinance this mortgage. My refinance loan was " clear to close '' but came across this issue at the last step before closing. I first contacted DC 's property tax office to see why I was being charged penalties and interest for a payment I thought had been made. DC told me that they never received the XX/XX/XXXX payment and the issue needed to be resolved by Lakeview.

I then immediately contacted Lakeview. Since learning of this issue, I have called Lakeview numerous times, spoken to many customer service representatives and supervisors, and nobody has resolved this issue or told me what actually happened with this payment. I have implored on everyone that I speak with the urgency of this issue and the damages it is causing me : primarily that ( a ) I am being assessed penalties and interest on a payment that Lakeview was responsible for ; ( b ) I am unable to close on my refinance, costing me additional daily interest ; and ( c ) making me unable to take this property tax payment on my XXXX federal income taxes, costing me additional income taxes. 

I have grown exhausted and disgruntled with Lakeview 's inability to resolve this property tax payment. They have caused me significant stress, wasted my time sitting on the phone while not giving me answers, and are costing me money by making me unable to refinance this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: GREENSTATE CREDIT UNION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this account with GREENSTATECU is not mine. I did not personally open this account. 
This account either belongs to someone else or is some used my identity to open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Name - Account number This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item Immediately :

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 2023-10-15
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I called the American Express Prepaid Gift Card Customer Support three times with zero help at any of the times. First call was at XXXX on XX/XX/XXXX, second call was at XXXX on XX/XX/XXXX, and the third call was at XXXX on XX/XX/XXXX. I recently just purchase this American Express Gift Card with {$140.00} added to the balance at XXXX on XX/XX/XXXX, XXXX. I tried making online purchases from multiple online stores as well as in-person and it has been declined every time. I'm not even able to check my balance on their website as it doesn't even work. When I call their customer support line, they asked me to enter my 15-digit card number and they claim it's invalid even though it has already been activated by the cashier at my local XXXX. I can not believe I wasted {$140.00} on this prepaid card and I'm not even able to use the money I put inside. Can't get help from customer support because my number is " invalid '' therefore completely useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02
Company: CITIBANK, N.A.
State: TX
Product: Credit 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:
XX/XX/ : I make a reservation using Citi Thank You points for a hotel in XXXX XXXX, CA for XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  : due to a tropical storm, I call the hotel to cancel the reservation. They confirm I will be fully refunded in 24-48 hours. 

XXXX XX/XX/ : I call Citi and am directed to their Travel Rewards team. They tell me to call back in 5 business days. 

XX/XX/ : I call Citi again and they explain the delay is because the reservation must be canceled manually. They assure me this is done, then send me an email confirming the cancellation will be processed in 7-10 business days. 

XX/XX/ : I call Citi again. They explain the reservation is canceled and I will see my points refunded in 24-48 hours. If not, they say, I should call back. I ask for a supervisor. They tell me a supervisor is not available, but one will call me in two hours. This call never comes. I receive another email confirming the reservation is canceled and a refund is in process. 

XX/XX/XXXX XXXX XXXX  : I call Citi again. They explain that the reservation was not actually canceled before but it has been canceled now. I should check back in 5-7 days. I receive a third email confirming the reservation is canceled. I ask to speak to a supervisor. Im told no supervisor is available now, but they will call me shortly. They call me a day later at XXXX. I miss this call. 

XX/XX/ : I call Citi again and explain the issues Im having and ask to speak to a supervisor. They confirm no refund has been processed yet and agree to connect me to a supervisor. I am put on hold for 25 minutes, then they hang up on 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 non-monetary relief
Consumer complaint received 2022-12-13
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I submitted a complaint through this venue directed at Experian for inaccurate and fraudulent information that continues to report on my credit report with Experian. 

Additionally, I called and spoke with Experian 's Fraud department to confirm that hey had indeed received my attachments of my driver 's license 's and first two pages of my previous and present lease agreement 's to further validate my disputes. They instructed me that not only had they not received any of these documents, but they would not be able to see said document 's. I find this disheartening to say the least. I have multiple things reporting on my credit that are either inaccurate or fraudulent ( not mine ). 

Once I received the results back from my previous disputes on XX/XX/XXXX ( Report # XXXX ) all of the results had been completed and updated which I find discouraging. First off, how is that possible that every one of my disputes with these companies come back on the same day with the exception of my inquiries and one account with XXXX? While I understand that inquiries for examples are totally separate than accounts etc., I do know that these companies that re reporting on me that are not mine have absolutely no way to prove that they are mine. I have submitted documents over and over and over again that clearly support my stance, yet they continue to report on my credit. 

Bottom line, the accounts that I am disputing yet again are certainly not mine and I would be extremely grateful if whomever is responsible for leading this investigation to please do their due diligence accordingly. For example the ( 2 ) XXXX XXXX collections both of which were not mine as I wasn't even living in those states at the time these accounts/collections were even established. 

Thank you kindly,

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 2017-06-28
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
There is an assignment of deed of trust on file with the XXXX County Clerk 's office that was filed on XXXX XXXX, 2011. The assignment of deed of trust has the incorrect property city and property zip.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: OPORTUN FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX Oportun XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Oportun On XXXX applied for The Oportun Card As you may be aware, it is against federal law in accordance with XXXX XXXX XXXX XXXX  to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( C ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( K ). XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: BMW Financial Services NA, LLC
State: LA
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:
Hello. I leased new XXXX XXXX from local dealer XXXX XXXX in XXXX, XXXX . I asked them to mail my bills to my XXXX address, instead they made a mistake and were mailing my invoices to XXXX  address. Due to not getting reminders I was 30 days late once, so they filed 30 days late payment on to my credit report. I had tried to call BMW and tried to dispute this info with credit bureau and BMW still refusing to take it off. I also got a letter from local BMW dealer, who sold me this car stating that they put wrong mailing address in their system, but even with that letter, BMW credit department refused to delete late payment of off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
What they provided me years ago consisted changes the amount changes it constantly goes up, never goes down my taxes have been garnished and the amount continues to go up not down ever, they continue to change the time of the debt. There are serval inaccuracies in the lawyers amounts of debt and interest owned, i have Attached a debt validation letter. There are lots inaccurate on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
CFPB WRITE-UP In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States | have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Bank of america has stolen money from my account. i have gone to the ATM and had a hold on my account with out my knowledge. on the morning of XX/XX/21 my wife tried to pull out {$700.00} for my rent. That is when the problem occurred the ATM never released my money. The {$700.00} was Still taken from my account. Bank said not to worry for they will be refunding the money in 24 Hrs. They never did i put the depute for the transaction they didn't pay due to the fact the employee put the claim wrong. He said ATM was broken that is why i was claiming the money. I never said it was broken they sent a tech guy to check ATM it worked fine. So they wouldn't approve the claim. I resubmitted the claim the declined it a 2nd time due to the first claim. Asked for ATM footage of ATM they wont give it to me unless i get a court order for the footage. i have filed police report faxed it to the cooperate fraud department. They still declined to send footage or reimburse my money that was taken from my account. The next part is from the XXXX app Have an identity theft problem from the bank app XXXX. it is a payday loan app they got hacked and leaked my identity online so people have used my bank account and debit card from the information they leaked. I told bank of america about this and the fraud i have seen on my account. They stated to me it was all my fault that my money was stolen from my account they are not legally responsible for my money and will not refund or reimburse my fraud claims for transactions or ATM. I filed a new police report for the identity theft. I keep trying to refile claims to recoup my loses but bank is not willing to pay me even with all my evidence that i have. i need to sew them to get my money. I don't have the financial means to proceed to the court due to health as well. XXXX bank app case number for the identity leak is CASE # XXXX and CASE # XXXX. Police report # for the fraud on account is XXXX officer XXXX XXXX  pd ca

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 2023-10-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are recent and old hard inquiries on my credit report that are not accurate lowering my Credit score. There is a XXXX debt collection that is ver old and does not belong to me! Same with XXXX XXXX. I have been a victim of Identity theft in the past and these false hard inquires and debt collections have hurt my credit for years! This is takong a toll on me emotionally. I am unable to qualify for any store credit or credit cards because of false information on my credit report which I have neumorous times have contacter the companies on. I am seeking help please to remove all these hard inquries that I have not authorized and collections that dont belong to 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