BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I applied to open an account for the Citibank located on XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I explained to teller that I froze my information due to identity theft issues and that I did not want to apply for an account without first making sure I was able to do so. I received a confirmation that my account was opened on XX/XX/2021. I contacted the personal banker XXXX XXXX twice every 48hrs and he explained twice that the application was still in review, even though I have received two email notifications about account XXXX being active in my business name. I decided to go to Citibank, N.A XXXX XXXX in-person, and they explained to me that the whole time this account was closed. According to the Fair Credit Bureau Act a creditor must notify the applicant of adverse action within 30 days after receiving a complete credit application. I still have not received any information about this account. They have now stated that they have no information whatsoever about my business 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 2019-02-16
Company: Experian Information Solutions Inc.
State: TN
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 was checking my credit report just because i'm planning on purchasing a home some time soon. While checking my credit report i notice some items that are not my. This is unacceptable and kinda embarrassing. I need these items removed from my credit report. I contacted the FTC and my local police. I am doing this on my own behalf. I'm working on this on my own behalf. XXXX, XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX, XXXX. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. There are also some inquiries on there that I know nothing about. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXXXXXX XXXX my car insurance company issued a check for {$18000.00} because it was totaled XXXX XXXX regional acceptance has been asking me to make a payment for XXXX  which is only {$430.00} and I keep trying to contact their gap insurance people who do not call back about the gap insurance they forced me to get to get their loan and now they're telling me I'm responsible for the rest of the car payments I have to go to work Monday and I'm not going to be able to buy a car because of this shenanigans and I keep calling me and calling me like even if I did all the rest of the money how would I owe {$400.00} after XXXX of it was paid 4 days before the payment

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 2023-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXDebt Validation letter mailed to Portfolio Recovery Associates , LLC requesting original signed contract from the original creditor, verification indicating a valid basis on their claim. Proof of of their debt assignment, and whether debt is within the statue of limitations. After receiving a statement from them and a copy of letter they were to have mailed out in XX/XX/XXXX ( Which no letter was ever by them w/ their dates listed. ( I did not hear anything back from the company w/ in the XXXX  day allotted time ). 

XXXX Sent an addt'l letter to the company indicating since they did not supply the requested items from the letter back in XXXX they had to by law remove the erroneous report off all my credit reports. Also, on the same date I reached out to XXXX to request this to be removed since the company did not supply any records to me at the allotted time of XXXX  days. Yet received a statement from the company dated XX/XX/XXXX, telling me I had to pay them money for an account I already disputed wasn't mine and I was never sent anything from them. 

XXXX Sent an addt'l letter to the company requesting proof of debt and again the original signed contract agreement w/ my actual signature. 
-No communication from the company for months, yet received notification that a mark was placed on my account by the company indicating " consumer disputes and has no knowledge of debt ''. 

XXXXReceived notification from mortgage lender that same company is reporting this same erroneous debt twice ( doubling the amount they are trying to collect ) on XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX. 

XXXX Sent an addt'l debt validation letter to the company certified disputing the charges, and request original signed authorization of my signature and request for them to stop collection charges and reporting erroneous charges as this is damaging my credit. 

XXXXReceived notification from post office in VA the company refused ( after checking if company received my mail ) to sign for my certified mail, and I had until XX/XX/XXXX to have it redelivered. I went back into my local post office to inform them of this and the manger sent an email to the manager at the post office in VA to let them know they needed to redeliver the mail by law and obtain a signature. 

XXXXReceived mail from the company, w/ statements of the use of card opened in my name illegally. This company still failed to provide me an original signed contract w/ my signature and no photocopies of this original contract. They still have failed to comply w/ the requested items on the debt validation letter and send me a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Mortgage Research Center, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After finding a Insurance company XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) to cover our XXXX XXXX XXXX XXXX XXXX. My mortgage co ( Veterans United ) paid out of my escrow account held by Veterans United, {$1900.00} for the XXXX XXXX on XX/XX/2022. We the homeowner assumed that our home is now covered. On or about XX/XX/XXXX we experienced significant damage to living room ceiling from a leaking tub upstairs. After calling XXXX XXXX we were told we have no insurance. After further investigation, we found that on XX/XX/2022 {$1900.00} was returned to my escrow account that is being held by Veterans United. Not XXXX XXXX or Veterans United had the decency to inform the homeowner. We now have substantial damage, the written proposals are from {$7100.00} to {$12000.00}. That is bathroom cost ony, does not include ceiling repair. After researching a new policy we are told until damage is repaired and verified no XXXX will write policy. We feel we are not responsible to pay that kind of money, for XXXX XXXX and Veterans United 's negligence. We are willing to pay the original {$1000.00} deductible, after that they are responsible. Thank you. Looking forward to your 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 2023-03-10
Company: JPMORGAN CHASE & CO.
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I personally went to a Chase branch in XXXX, XXXX to open both a checking and savings account. I was treated wonderfully. I wrote out a check for both accounts to get them started. 
The checks cleared from my bank in 2 days. I went to the Chase account on line and was unable to open the account. I called and was told the account was closed and I would never be able to open an account with Chase in the future. 
I went back to the branch and talked with the officer who opened my account. She was surprised and called Chase.

She was told the same. She asked why, as did I. We were both told they could not disclose why. 
The money I deposited would be returned in 10-15 days.

I feel like a criminal!

I have a very good credit score. 
I am concerned there is some faulty information about me. However, I am being kept from an explanation. I need help. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account never belonged to me! I am unaware of this account. I have never executed a contract using this account. This account is not mine, so I should not be responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I was misled and coerced to sign a contract thinking it was to receive an auto loan for a car. I was ignorant to the laws that protect me as a consumer and I tried to correct the error and as a result my rights were violated even more. 

Exeter after receiving my securities, signature, unlawful down payment, additional payments on top of an extension of credit, and after a cease and desist letter was sent still charged off my account and repossessed my car. 

I received a welcome letter after signing the negotiable Instrument releasing my securities and was misled by Exeter to believing they were lending me money when in fact they purchased my note and monetized it. XXXX requesting to see the securitization audit and XXXX XXXX report for this transaction. 

I was charged a finance charge which is unlawful. The finance charge should have been credited to me and should have covered the purchase pursuant to 15 USC 1605. The finance charge does not include a charge type payable as cash so why was I required to put down {$3000.00} in order to receive the loan?

There was no transparency of the credit application process pursuant to 12 CFR 360.6 ( XXXX ) I was an applicant pursuant to 12 CFR 1002.2 ( f ) and was approved for the extension of credit. XXXX Exeter tried to collect on this extension of credit they are in violation of the RICO act. Specifically sections 664 ( relating to embezzlement from pension and welfare funds ), sections 891and 894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), ( relating to forgery or false use of passport ), 1951 relating to interference with commerce, robbery, or extortion ), section 1952 ( relating to racketeering ), section 1956 ( relating to the laundering of monetary instruments ), section 1957 ( relating to engaging in monetary transactions in property derived from specified unlawful activity ), section 1958 ( relating to use sections 2312 and 2313 ( relating to interstate transportation of stolen motor vehicles ), sections 2314 and 2315 ( relating to interstate transportation of stolen property ) Please see attached documents below, the affidavit, bill of particulars, rights of recision, and the negative remark they are communicating on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2020-10-05
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was settled and discharged in the XXXX XXXX registry of Deeds. Based on a masslandrecords.com search today a " Corporate Assignment of Mortgage '' was filed on XX/XX/2020 by a company named XXXX XXXX XXXX - Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: JPMORGAN CHASE & CO.
State: IL
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 filed a dispute in regards to the incorrect information on my credit report. It is well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
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:
I contacted the credit reporting agency about the account below and they have not investigated them for accuracy or legitimacy. This account is not mine.. The collection companies have provided no proof that these are mine. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account No. 
XXXX Original Creditor XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported 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 2022-06-21
Company: Experian Information Solutions Inc.
State: IA
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:
Many emails saying that I applied for credit and they refuse to help find who was applying for credit using my information and committing fraud also they said I needed to pay them to give me information. Someone is using their platform to apply for credit with my personal information and my email address and I can not use my email to login as it says it does not exist although when trying to recover password says it does exist. Someone on the inside of Experian has breached personal informaiton and is misusing it. 

They refuse to find out who entered and how they were using my information or to contact those who made inquiries trying to apply for credit. They kept transferring me saying it was another department without regard to a breach in their own systems as XXXX creditor who emails me I called back and said fraud and they said they ggot the request direct from Experian so Experian is the center of all and they refuse to help or rectify things.

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 2022-06-21
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, In XXXX, I asked our company ( PHH Mortgage ) to remove PMI, which involved paying for an appraiser to come assess the value of our home. The {$100.00} check, which PHH requested we send to pay for the appraiser, debited our account XX/XX/XXXX. I called PHH to schedule an appraiser as soon as we could, which was delayed until XX/XX/XXXX. The appraiser came to our home on XX/XX/XXXX to complete the appraisal. I've called a few times over the last month asking for an update to the appraisal, and have been told they do not have one but will research what the delay is. I have been told twice that the investigation will take multiple business days, continuously delaying the results of our appraisal. Given the nature of today 's market, i was hoping to receive our appraisal results as early as we could, but PHH does not seem to have the same sense of urgency. A representative i spoke to was surprised that it's taken this long to get the results, so i'm hoping this complaint will help usher this process along.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never was this account mine! This account is unfamiliar to me. This account has never been used to sign a contract. This account is not mine ; therefore, I should not be responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: Skopos Financial, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, I disputed this alleged debt with Skopos Finance and they never responded to my dispute in reference to the alleged debt. I have been disputing this account for months and never received a response. {$22000.00}. XXXX paid this car off in full.

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 2022-07-27
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and 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