BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-13
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received a notification of enrollment into citi banks credit card protection program, and charged a monthly fee. In addition, the letter contains a mispelling of my last name, I have not used this spelling in over 5 yrs. I did not enroll into this program, nor did I apply for credit with citi, nor  do I have a credit line with citi. I contacted citi bank on XX/XX/XXXX. I was prompted to enter my social security number, upon entering my ssn the automatic message stated that my social security does not match. I then went through a list of prompts to speak with a live agent. Once I was able contract a live person, the rep claimed I was in the wrong dept and transferred to another rep who also stated I was transferred to the wrong dept and that he would give me the correct telephone number, instead of receiving a telephone number I was hung up. I called Citibank for the 2nd time and explained the situation all over again, at which time the rep transferred my call to a promotional line which I could not exit without hanging up. I called Citibank for the 3rd time asked to speak with the manager, instead I was transferred to the supervisor. The supervisor was unable to assist, and stated that this was a known issues, and I was not the only one affected. The supervisor placed me on hold in an effort to transfer me to a different dept just to come back and tell me that he is unable to assist me and that I would have to call back on Monday for a resolution and explanation.

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 2018-11-30
Company: EQUIFAX, INC.
State: GA
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:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NV
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. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX XXXX XXXX  Account number : XXXX Date opened : XXXX, XXXX Account balance : {$6300.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX Account : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Account Balance : {$3000.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # 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 2022-10-24
Company: Credit Card Receivables Fund Incorporated
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I payed off a debt years ago and yet I continue to get harassing calls claimed that I owe a debt and that I'm going to go to court. The latest calls have been from XXXX XXXX XXXX According to the representative is ran by XXXX XXXX and XXXX XXXX. Not only am I getting calls but they are calling my work, my friends and family. I really need help in getting this to stop. It is adding tremendous stress to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/18 I contacted Paypal about a dispute I currently had open and they didn't provide much information due to the fact the my credit card company was handling it. Shortly after at XXXX XXXX I received a email stating that I can no longer use PayPal services. Paypal is in violation of withholding confidential information as well as illegally enforcing their user agreement that has not been violated in no circumstance. I will be forwarding this information over to the State 's Attrorney General 's Office as well as the Federal Trade Commission. PayPal has a known reputations for these allegations and I will obtain legal representation regarding this case is this matter isn't resolved in a promptly manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Rocket Mortgage, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Recently we have had to replace 2 transmission and was just told that we now will need to replace the motor in my husbands vehicle. As we were trying to find a resolution to paying for the motor we discovered that we had a negative report that resulted in our inability to secure a way to pay for us to replace the motor. Currently we have Quicken Loans as our mortgage lender. Mortgage payments were made through automatic draft through our checking account. In XXXX of 2018, Quicken adjusted the escrow changing the monthly payment. Quicken sends an enormous amount of advertisements so we often do not open mail from them as it is always promotional items. We did not get anything in the mail from Quicken that stated must open important information enclosed until XXXX, nor did myself or my husband receive a phone message that Quicken needed to reach us regarding a change in the mortgage. Once we were notified by a letter stating, " non advertisement must open '' stating that the escrow had changed we changed the payment and sent in the additional amount. However, since it was not remedied until the XXXX payment Quicken reported that our mortgage payment was late. My payment was never late because they received the payment and kept the payment, therefore reporting that it was late is incorrect. We paid the payment as agreed and were not notified of the change that Quicken made. Quicken did not send our payment back stating that they do not take partial payments, they kept the payment therefore they can not say it was late as they had the payment nor were we notified appropriately that the escrow was changed to make the changes in a timely manner to prevent an underpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Back in XX/XX/2014 we was sent a judgement from XXXX XXXX XXXX, we was told that a lien was placed on our home .when we sell the house the money would be taken from the proceeds. Did not hear anything from the co for four years until XX/XX/XXXX when they garnished our checking account and tripled the amount we have a -XXXX. We had enough money to pay the debt, we was told that it would be frozen for a week, it is now 2 months later and Bank of America still has the account frozen. Bank of American says it is XXXX XXXX and XXXX XXXX  says it is XXXX. We need to know why a co is allowed to keep your accounts frozen, they have their money. They threatened to garnish wages for another account. Why would a co be allowed to not care and tells us that our accounts can be frozen for as long as they feel like it. This should not be allowed to not help or given a reason that our accounts can be frozen as long as they feel like it. My husband is getting ready to retire and dont know how to handle social security. The file number is 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 2022-09-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need to report the following accounts listed below for violating the Fair Credit Reporting Act ( FCRA ). Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: West Realm Shires Services Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent a wire transfer to be credited on my FTX.US account on XX/XX/2022 and the bank that works with FTX.US still has not credited me my XXXX XXXX  ( see attached pdf )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CarMax, Inc.
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I have been working with XXXX XXXX XXXX and XXXX XXXX of U.S. Bank Home Mortgage for WEEKS on an application for a home equity loan on our vacation home in TN. We passed the application process and were finished with the document submission process. We submitted every single document requested. We have received Disclosures along the way. We have had email and phone correspondence during the process. On Friday, XXXX sent what appeared to be a form message saying that our collateral does not qualify because it was on XXXX for over 90 days. This was not new information. It was explained at the outset at the very beginning of the application. We dont understand why this was this mentioned after the fact and like this. We relied on this process and the disclosures and have signed an agreement with a contractor who has started work. How can U.S. Bank Home Mortgage pull the rug out from under us now? Neither XXXX nor any of the managers we contacted to question this action have responded to us. This is NOT how a company like this should be doing business. It's unconscionable. Our primary mortgage for this property is with US Bank Home Mortgage, and we have been good customers. Theyve already done the appraisal, paid for by us, to determine the equity, which happens to be greater than the mortgage balance. If U.S. Bank Home Mortgage will not do the right thing here, we will publicize our experience EVERYWHERE and refinance the entire loan somewhere else. Please dont let them get away with this.

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 2022-10-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A debt of {$1000.00} is trying to be collected from me from a company called MBA Law on behalf of XXXX XXXX. I have never used or heard of either of these entities and I owe no debts for any medical care. After doing research on this company, many people have complained of phone calls from this same company from multiple different phone numbers asking for debt to be collected. This is fraudulent activity that must be stopped. The only way I found out about this is through my credit score, I have received no mail and no phone calls about this fake debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: Collection Service Center, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX To Whom It May Concern, The reason for my dispute is COLLECTION SERVICE CENTER INC. # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COLLECTION SERVICE CENTER INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 )  COLLECTION SERVICE CENTER INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX, XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. XXXX  XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX XXXX XXXX ) I also believe that this business is not registered to operate in the state of OHIO. I expect this collection account to be removed from my credit report.COLLECTION SERVICE CENTER INC has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we received a letter from XXXX XXXX, Subject : Transfer of the servicing of you mortgage loan. The letter states Effective XX/XX/2018, the servicing of your mortgage is being transferred to Specialized Loan Servicing LLC. The letter further states Specialized Loan Serbicing LLC will be sending you a letter that will include payment instruction and an updated loan number. We know there is a legal requirement for both the mortgage originator and new servicer to send letters within 15 days of a mortgage transfer becoming effective. In this case, Specialized Loan Servicing did not. We waited until today, XX/XX/XXXX, to give the mail plenty of delivery time and nothing was received. When we spoke with their customer service today ( XX/XX/XXXX ) a friendly woman said they wouldnt have complete loan information until Monday, XX/XX/XXXX and didnt offer to resend the notification letter. Though, she did provide the new account number.

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 2022-10-24
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/XXXX I noticed the collection came back with a different name. The name is 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 several inquires on my XXXX Credit Report for XXXX XXXX which I did not request or authorize. I have contact XXXX via mail and via phone to explain to them I did not request all of these XXXX XXXX inquiries and they were not for a permissible purpose for XXXX XXXX obtaining a copy of my credit report. I am requesting that all of the XXXX XXXX inquires be removed from my credit report. 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 non-monetary relief
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I got a email saying that someone had been added to my XXXX and if I did not authorize it to contact my bank which is chase when I was calling the bank and payment of XXXX was sent to a XXXX XXXX when I told them I did not authorize this transaction they put in a claim and denied me on XX/XX/XXXX after I called them back I do not understand why or how but they said they investigation doesnt show fraud when I talk to a lady changing my login information I was told that there was another authorized device on my online and I had her remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Affirm Holdings, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Please refer to CFPB complaint # XXXX. This is my second part of my complaint for the second company involved in my dispute. 

Affirm Loan ID : XXXX ( disputed ) Affirm Loan ID : XXXX ( disputed ) I have made multiple attempts to dispute the above-listed charges through Affirm and XXXX. Both companies are pointing the fingers at each other. I do not want this to impact my credit negatively due to my security clearance.

Company response to consumer: Closed with explanation