BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
In mid to late XX/XX/XXXX, my CitiBank Mastercard ending in XXXX was lost or stolen and used to make XXXX charges totaling {$100000.00} in late XXXX and early XX/XX/XXXX. I noticed an email from Citibank about charges, and I clicked the email to indicate that I did not recognize the charge. ( Screenshots attached. ) Citibank then closed my account and mailed me a new card. I figured this was all I needed to do, but then I received a bill that still had the charges on it, so I also contacted Citibank on XX/XX/XXXX, and notified them that these were all fraudulent unauthorized charges. 

The letter CitiBank sent me on XX/XX/XXXX ( copy attached ) states that I am NOT responsible for any charges while investigation is pending, however the XX/XX/XXXX, bill to my card statement showed XXXX minimum payment due as the {$100000.00} charges are in dispute, but the XX/XX/XXXX, bill added {$1800.00} in finance charges and shows {$9400.00} due XX/XX/XXXX. When I spoke to the fraud investigations department they said this was a mistake, but Citi customer service says the bill is just automatically generated. 

While this {$100000.00} in fraudulent unauthorized charges remains on my bill, my credit rating goes down considerably. Citibank needs to remove these charges from my credit card and zero out the balance. I even supplied a copy of my driver license to Citi and by now they must know that whoever made these charges was not I. These are all unauthorized, fraudulent charges made in apparently the XXXX XXXX, CA area, and I have not even been in California for some time, and was not in California at all in XXXX or XX/XX/XXXX. I have proof that I was out of state and at an event on XX/XX/XXXX, when most of these charges were made, and was nowhere near California.

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX # XXXX is reporting an account to XXXX   that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a domestic violence case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.

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 2019-10-01
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:
XXXX XXXX XXXX # XXXX is reporting an account to Experian that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a domestic violence case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.

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 2019-10-01
Company: EQUIFAX, 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:
XXXX XXXX XXXX # XXXX is reporting an account to XXXX   that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX   case and got a XXXX XXXX, this account is his but is still reporting on my credit and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. They are reporting me 30 days late for XX/XX/XXXX updated on XXXX with the wrong balance again. It is not the end of XXXX. 
2. Same thing for XXXX, XXXX and XXXX of XXXX. 
3. I have an agreement from Ocwen Mortgage Services that due to XXXX and Medical problems for myself and wife which was transferred to PHH Mortgage Services and Verified with PHH when transferred. The agreement allows me to be 30 days late after the XXXX of the month which is the last day to pay. Then they couldn't find it and asked me to email a copy which I did. They lost it though I got a letter of receipt. 
4. They are holding up cashing checks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2017-07-26
Company: EQUIFAX, INC.
State: MN
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:
In XX/XX/XXXX, I attempted to file an online dispute with Equifax. I answered all of the security questions correctly. I was denied access to filing a dispute online. I attempted to gain access a handful of times and was was again told " my identity could not be verified. '' I decided fine, I will pay for a one time credit report. I was given the same security questions I was provided before. I answered them the exact same way. I was granted access. My credit report was valid for 30 days. Now in XX/XX/XXXX, I have again attempted to file a dispute on my Equifax credit report. I have entered all of the correct demographic information and again have answered the security questions the same way I did before ( accurate based on what is reported on my credit report ). I am again being denied access and being told that I could not be verified. Today, XX/XX/2017 I called and spoke to Equifax. I explained my situation and I also explained that them forcing me to purchase my credit report in order to file a dispute is illegal. The representative told me there was nothing he could do to fix the online access but he can file a dispute for me over the phone. I explained I did not want to file a dispute on the phone, I want my issue corrected online and I would like to file my own dispute online. He repeated again that he does not have access to the online system. I asked him to transfer me to someone in his organization that can. He stated I could n't talk to anyone. I asked for a supervisor. I was transferred to a supervisor. She took my information after I explained my situation. She placed me on a long hold. She told me that all of my information looked correct. She offered to file a dispute over the phone. I again stated that I did not want to file a dispute over the phone. I indicated that I am not having this problem with XXXX or with XXXX. I stated again, I feel like they are forcing people to purchase their report online in order to file a dispute online and I think that is illegal. She stated there was nothing she could do with the online system. I asked to speak with someone who could. She stated that if she transferred me to a supervisor they were going to probably say the same thing. I said to her " I thought I was speaking to a supervisor. '' She stumbled on her words and then stated " if I transfer you to another supervisor. '' I asked her to transfer me. She placed me on a long hold. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$170.00}, XXXX XXXX XX/XX/XXXX {$320.00}. Inquiries : XXXX O/T XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.

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 2021-08-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Company in question MoneyGram Money Transfer service. 
On XX/XX/2021, I requested a money transfer service from my bank account to my receivers bank account, at the time of the transaction I was told by Money Gram it would take 1 to 2 business days. Its been now 2 weeks since I did the transaction and the money has not been transferred, however, they withdrew the money from my bank account. They have been telling me they have a technical issue with the ref. # ( XXXX ) and that they would resolve in 24 hrs. But here I am calling then every day after 2 weeks, and they are retaining my money. And the person I was sending the money to, had never received the money. Customer service is no help, they dont explain what the problem is exactly and they say they cant cancel the transaction and give me my money back. So, I am without my money, and the receiver is also with no money. Money Gram kept the money without a valid reason, besides they dont provide me the real explanation why they have not done what they promised to do. At this time I need Money Gram to refund my bank account for {$200.00} ( transaccin amount ) and then I really need to send the money to my sister by other means. Thank you for hearing my case. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Wired {$10000.00} USD from Coinbase, Inc onXX/XX/XXXX to my personal bank account which I have done before. 

Showed wired was completed onXX/XX/XXXX. 

It is now XX/XX/XXXX and still no money. I have called coinbase everyday and nobody answers. I have called XXXX XXXX in New York who supposedly does their wiring and they have no knowledge of the wire. 

I have opened numerous cases with coinbase support only to get automated messages saying they will respond and they never do. 

Have all screenshots and documentation showing completed wire from Coinbase to my bank and where they even charged me for the : completed '' wire. 

Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report. I opted out of prescreened offers and they ran a hard inquiry on my credit report without my permission. I do not and did not authorize this and will be filing a federal lawsuit to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Customer Service Department - I 'm disputing delinquent information that XXXX XXXX has reported on my Credit Report, please note this account was paid-off in full ... Therefore I am filing a dispute and requesting to have this collection account deleted from my credit report. 

- XXXX Phone Number : XXXX - Delinquent Amount : {$100.00} - Refer # XXXX / XXXX If you have any questions or need any additional information I can be reached at the number below. 

Thank you. 
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 2022-10-04
Company: Collections Acquisition Company, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Payliance and XXXX  XXXX credit card have recieved my police reports i sent them along with a copy of my drivers license but they say im still responsible for a returned check and an outstanding balance i did not right in XXXX of 2021. I sent them multiple police reports and its still showing on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3.  XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.

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 2019-10-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

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 2022-02-07
Company: Rocket Mortgage, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was in the process of refinancing my mortgage. 
I received a call from Rocket Mortgage advising that they had received my request for a refinance. I advised the rep that I was already in process of refinancing with a company and advised we had already moved forward with credit inquiries, she then began to ask me the following question. 
Did they run your credit, I advised yes they did as we are refinancing. 
I monitor our credit so I begin to receive alerts that our credit had been run I did not at anytime give Rocket Mortgage permission to pull out credit reports in the month of XX/XX/2021. 
I tried disputing this with the Major credit bureaus with no response or dispute status provided. 
I would like the recorded conversation pulled & reviewed reflecting giving verbal/written permission to access credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I opened an XXXX  XXXXSynchrony Bank store credit account to purchase {$3900.00} in merchandise from the XXXX XXXX XXXX Store, I made the purchase on a XXXX   month interest deferred plan, to expire XX/XX/XXXX. I setup my account to pay automatic equal payments, no interest. 
On XX/XX/XXXX, I made an additional {$2300.00} purchase from the XXXX XXXX store on a XXXX month interest deferred plan, to expire XX/XX/XXXX. 
The entire monthly payments made were applied to the XXXX purchase until it was paid off leaving the XXXX purchase subject to interest. This is an unfair practice. I did not receive the promotional terms I agreed to. 
I am requesting CFPB to investigate XXXX XXXX/Synchrony Bank practices. Also, I am requesting a refund in the amount of {$910.00} for interest paid on this account due to their unfair practice. Thank you

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 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I received a response from TransUnion on Friday XXXX/XXXX/XXXX stating that the public record being listed on my credit report was " verified '' as accurate per " the source ( s ) to advise them of the dispute ''. 

My problem is that upon reaching out to XXXX on XXXX/XXXX/XXXX, I was informed that XXXX does n't verify any record at all. Instead it is a public site that publishes information that is furnished to them. 

So what " source ( s ) '' are being used to " verify '' that this public record being listed on my account is actually accurate? 

I 've attached the e-mail correspondence between myself and XXXX regarding this matter. 

Please VALIDATE this public record as accurate, or remove the record from my credit file.

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 2018-02-22
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit on XXXX XXXX and saw a hard inquiry from Citi Bank on XX/XX/XXXX who I have nor do I use and have never authorized a request for credit. There is no number to contact anyone and really would like to find out how to have this removed. 
Also on XX/XX/XXXX XXXX XXXX also pulled a hard inquiry, again do not know who they are nor have I requested credit through them. Please help me to remove these from my credit report. Thank you.

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