BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: UT
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:
ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report. 
XXXX has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity.

There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed disputes with the credit reporting agencies and it has been over 30 days with no response.

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 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to call CapitalOne in order to dispute a transaction made on my CapitalOne checking account. I keep calling the number, waiting on hold for upwards of 30 minutes and then the call disconnects. Sometimes at the beginning of the call, I do the " Press 1 to receive a call back '' but nothing happens and it sends me to the hold music anyway. 

In the " Report a Problem '' feature in the app and online, the only contact information provided is the phone number ( XXXX ) but no one ever answers. This is an online-only account with no physical branches ( at least near me ) and the only contact information I have leads to long hold times and a disconnected call. I am at a loss for how to communicate with someone to report my disputed transaction. I would think that a Bank with no physical locations would be more diligent about being accessible via phone or at least an online chat feature. Being unable to reach anyone about my bank account is really frustrating and worrying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, three unauthorized electronic fund transfers -- for {$88.00}, {$37.00}, and {$33.00} -- were reflected on my checking account. The following day, on XX/XX/2021, I called Citibank and reported the unauthorized transfers. An investigation was thereafter opened. ( I would be happy to provide documentation confirming this if needed. ) On XX/XX/2021, I called Citibank again to request an update because no provisional credit had been awarded. I spoke with a representative named XXXX, who told me that Citibank had decided to not provide me with provisional credit. He refused to provide me with any explanation underlying that decision. I then asked to speak to a supervisor and was promptly disconnected from the call. Two attempts later, I was finally connected with a supervisor named XXXX, who told me that the bank would immediately render a decision regarding the provisional credit. No such decision was ever communicated. 

On the morning of XX/XX/2021 -- ten business days after I notified Citi of the unauthorized transfers -- I called again and spoke with a representative called XXXX. At first, she told me that no investigation was ever opened for those unauthorized payments. After I provided her with the reference case number, she stated that she could not convey any information about the investigation. I then asked to speak with the appropriate department, and she told me that " the back office is not taking calls. '' I was subsequently connected with her supervisor, XXXX, who essentially communicated the same. He stated further that he would send an urgent email to the office elevating the issue. Still, I have yet to hear anything from Citibank about the investigation or receive any provisional credit. 

Of note, Citibank never requested written confirmation of the unauthorized transactions after I provided verbal notice. Also of note, the same unauthorized fund transfers were reflected, around the same time, on another one of my checking accounts with Citi, and I have received provisional credits for those.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm perplexed with my recent credit report to consider that I don't owe this debt - Can you please look into this along with the attachments? Also, I have disputed this item with the credit reporting agency, and the original creditor and coll and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I switched banks and forgot to let this company : American Collect know which I take fault for. The payment did not go through and then my representative XXXX who is assigned to my case called my home, called my cell, and then called my job on Friday XX/XX/XXXX from XXXX. I work a XXXX-XXXX shift Monday through Friday. She called my job and my Office Manager politely told her to not call her again. I called Rep XXXX after my work shift- apologize to her and let her aware that I could pay something on the XX/XX/XXXX. Today is XX/XX/2019 and she calls my cell, and then calls my job. I answered and repeatedly told her to not call my job. She talks over me and says I need to confirm my identity to make sure she makes notes of this. I verify who I am and then she continues on talking as if I just told her that I am working and can not talk. I could lose my job because of her!!! I told her to not call my job and hanged up the phone. I am not going to pay anything until I get another representative on my case. I do understand that this situation was initially was my fault- but she should abide by the laws of my rights.

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 2018-11-29
Company: Ocwen Financial Corporation
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
OWR NOTICE OF ERROR 524 Injunction : XXXX  XXXX XXXX per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. XXXX kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have XXXX escrow the payment and not apply them. In XXXX XXXX XXXX XXXX transferred the loan to Ocwen. Ocwen began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by XXXX XXXX XXXX which was purchased during the federal stay was still on the property and the plicy debt being asked for by XXXX XXXX XXXX and now Ocwn was not petitioned to be in the bankruptcy plan making that debt discharged.. Ocwen was notified by Mr XXXX in XXXX when Ocwen sent out the transfer notices with the original note information that the loan data was incorrect. Ocwen did not comply with the agreement until XXXX when finally Ocwen corrected the loan in XX/XX/XXXX. Ocwen at that time was still listing a insurance debt owed from XXXX XXXX XXXX and now because of XXXX XXXX XXXX actions to create an escrow account for the insurance and taxes Ocwen began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. Ocwen refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. Ocwen filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now Ocwen has acknowledged that I had made payments and that XXXX   had not been compliant with my Bankruptcy plan. Ocwen has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: GA
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 Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I already got the XXXX XXXX XXXX BILL FIXED but its still showing up on my credit score as if Im Im negative XXXX- this balance needs to get cleared already because consumers are looking at it & it looks like XXXXm negative and cant pay my bills & causing me to get denied every bank account. please fix this As for Bank of America someone stole my debit card and my loving information and accessed my online and made fraudulent purchases on my account and this too is causing me from opening up a bank account

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 2019-06-03
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2023-06-09
Company: EQUIFAX, INC.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29
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: Personal information incorrect

Complaint:
I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX  OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , AZ 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 2017-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXXI applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. On XX/XX/XXXX I contacted XXXX XXXX and informed the bank that my credit report with Transunion had been acquired after speaking directly with Transunion. I requested that XXXX XXXX withdraw my application. On XX/XX/XXXXI went to a local XXXX XXXX branch and spoke with a banking officer who contacted XXXX XXXX XXXXs underwriting department regarding several hard pull inquiries on my Transunion credit report by XXXX XXXX. On XX/XX/XXXX I applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. I contacted Transunion who indicated they XXXX XXXX was in fact provided my full Transunion credit report resulting in hard pull inquiries onXX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in conjunction with these two credit card applications. Transunion stated that I would have to dispute the information directly with XXXX XXXX ; however, XXXX XXXX stated that I would have to initiate a dispute with Transunion. Unfortunately, Transunion does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with XXXX XXXX and Transunion to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CRESCO CAPITAL 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:
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX 2020, CRESCO CAPITAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
These are my accounts, Someone opens fraudulent accounts in my name I want you to please remove 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 2021-02-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan was originated at XXXX and then XXXX then sold to Specialized Loan Servicing. The original loan doesn't call for a loan payoff quote fee, however when I applied for a refinance with another lender a loan pay off fee was charged to my XXXX statement of {$25.00}. I called Specialized Loan Servicing company and I got a very rude CSR who told me they can charge me anything they want to charge me and I have to pay it. I was told as my loan was purchased that old loan contract is no longer governed. I asked for a supervisor and was denied to speak to anyone else. 
I feel this company is cheating people and charging fees they should not be allowed to charge or at least are not allowed by the constraints of the original contracts they purchased. 
I wonder how many people have been cheated like this by this company?

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 2019-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 Capital One Bank and XXXX XXXX XXXX reporting on my credit report and these accounts do not belong to me. I have written both companies several times and they both fail to send me any type of agreement between me and Capital One Bank. I have been contacting them both for over a year. One account credit limit say XXXX, previous balance is XXXX and new balance is XXXX the other account from Capital One Bank sent two different invoices with the amounts of previous balance XXXX XXXX with a new balance of XXXX with fees and interest charges of XXXX the other invoice that is associated with the same account has a credit limit of XXXX, previous balance of XXXX and new balance of XXXX interest charged XXXX. I have security alerts with the 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions 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:
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per Experian. 
On XXXX 2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XXXX XXXX, 2020, EXPERIAN XXXX XXXX add a hard inquiry on my credit report per Experian. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief