BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied online for a Home Depot credit card through Citibank. I entered my landline phone number on the application. The system asked to send a verification code through text message or answer security questions. I chose to answer security questions since my landline phone does not receive text messages. I answered the security questions, and the system said I would need to call to give more information. By that time, the call-in number was closed, and I had to wait until it reopened the next morning. I called and was asked by the second Citibank rep who asked for my cellphone number that my cellphone number could not be verified by the Citibank system. In seeking to understand the details of this decision, I talked with six additional Citibank representatives - for a total of eight -none of whom could give very clear answers. I was told that my only option was to go into a Home Depot and present photo ID - no guarantee that that would work. I requested that my application be deleted. The Citibank representatives said they could not do that. They said that my application would remain active for 30 days, then it would be archived.

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 2021-10-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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: Account information incorrect

Complaint:
XXXX    XXXX    XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.

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 2017-04-27
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never had an account with SCA Collections. and this is a HIPPA violation of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addresses that are being listed on Transunion report do not belong to me, I have never lived at any of the addresses listed on my credit reports.

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 2021-10-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX and XX/XX/2021 payments are showing past due when it should show current and not past due.

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 2015-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Called Experian and was not able to help me. 
On annual report.com I put my info in and system will not accept any of the security info system provided me to put in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian will not remove inaccurate names that are not my names or wrong addresses. The other agencies did it but they will not. I have even sent them proper identification and address verification information. Still no changes after 5 months of trying to get corrected. 

Also they failed to reinvestigate properly and submitted requested documents to me based on the Section 611 of the FCRA I stated to them the following : 1. My request was made based on FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and was signed as having been received by you via certified mail. 
2. Pursuant to FCRA, Section 611 ( a ) ( 7 ), you are required to provide that description and specific information to me no later than fifteen days of my request. 

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I lost my closure check for my checking account XXXX and Ive called in for over a week to get a new check mailed out still nothing. Please mail me my new closure check for my checking account in the amount of {$15000.00}

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 2021-10-22
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ive contacted each company and each time i'm given a different amount owed. ive even told jeffcap systems that they have me as well as another company and its impossible for thhe same item. I've never done business with any of these companies i want them to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: Hollis Cobb Associates
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XXXX XXXX, 2016, I received my first communication regarding a supposed debt from Hollis Cobb Associates, which is a collection agency. The agent, however, failed to advise it was a call from a debt collector but instead falsely advised it was a call from a doctor 's office. Moreover, the supposed debt is invalid, yet I was not provided the information required by the FDCPA in an initial communication so that I can submit a written dispute and request that I receive no further telephone communications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have sent several letters to Equifax asking for the information to be corrected on my report. After several attempts and Equifax claiming the item has been verified as reporting correctly, I sent certified letters asking the item be removed for incorrect information being reported that is damaging to my financial reputation. The car was picked up by the dealer on  XXXX / XXXX /  XXXX   and account in question has been closed since  XXXX / XXXX /  XXXX  . The creditor continues to report an open account that is not being paid. The dealer took the collateral in exchange to clear the debt. This account is settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
In XXXX I applied for a short term loan with my financial institution XXXX XXXX XXXX XXXX XXXX XXXX. I have been a member of this banking organization for 40 years. The application was not approved, due to a credit report received from Experian. Several visits to the credit union attempting to resolve this issue were unsuccessful. I was advised that this was an issue which I needed to address personally. I submitted a dispute on-line and a phone call but continued to get the same results. After complaining to my credit union again, they submitted a formal dispute to Experian, because they should have been listed on the credit report. Final results was on last week produced promising resolution. After three ( XXXX ) months of disputes, someone discovered the truth.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I would like to file a complaint against the main entity of PayPal : PayPal Holdings , Inc. 
XXXX XXXX, California, USA In fact I used Paypal as a seller in E-commerce, my account was suspended for 180 days on XX/XX/XXXX, XX/XX/XXXX Paypal is transferred my entire remaining balance with the memo " damages caused by Acceptable Use Policy violation '' of an amount of XXXX. 51 USD I would like to specify that Paypal has allowed to refund some of my disputes instatanement with an additional fee of 14 USD per dispute while all my orders were shipped, and delivered within the delivery time indicated on my website, also that I did not sell or offer any item / content prohibited or/ and under copyright / trademark. 


I have all the purchase of goods as well as the can of delivery of the completeness of the orders to the customer, I tried to contact Paypal US to have information and after several exchange by mails with them by asking them the reason of the withdrawal of my balance would be that I violated their policy ( AUP ). 


I am a small business that is just starting out and for me the amount " stolen '' by Paypal represents the entirety of my business and without it, I would be in personal and professional bankruptcy. 


I would like to file a complaint against the main entity of PayPal : PayPal Holdings , Inc. 
XXXX XXXX, California, USA I enclose screenshots of my paypal account and the exchange with them, my company documents and I leave you my email and my phone number to be contacted if any additional information or document is needed, I await your return. 


I wish you an excellent day, and thank you for taking the time to read me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
In  XXXX   XXXX , I sent a request to Equifax asking them to investigate some inaccuracies on my credit report.  XXXX  request was for  XXXX   XXXX   XXXX . Prior to this, I sent  XXXX  certified letters  (   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ) to  XXXX  requesting a balance and original document in its ' original form. I did not receive the requested documents from  XXXX , and instead received an incomplete request for repayment plan. I later sent a copy of the letter to Equifax requesting that they request the information from  XXXX . I called Equifax on Thursday,  XXXX   XXXX ,  XXXX  to determine the outcome. After speaking with  XXXX  representatives who were unable to assist me, I was transferred to  XXXX  in the Office of Consumer Affairs. He explained that my request for Equifax to investigate the inaccuracies with  XXXX  were not completed and did not offer a reason why. I ask for your assistance to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company do not have the account any more. Do n't no why they keep calling and bulling me, my family members and friends. Maybe its because I solved a case for them. They should give me award instead of trying to bull me. Maybe its because there clients daughter works for them. These company need to have the same practice for all clients. If they are employees there family and friends get there accounts cleared or so I heard. ( Allegedly )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX I filed Chapter XXXX bankruptcy and did not include my house in the bankruptcy. Ocwen is my mortgage company. I was able to continue making payments towards my mortgage up until XX/XX/XXXX. My last payment accepted by Ocwen was in XX/XX/XXXX. I made a phone call to Ocwen on XX/XX/XXXX at XXXX Central time. During that conversation I was transferred to the bankruptcy department. The purpose of my call was to discuss why I was unable to make a payment in XXXX both over the phone and on the internet. The customer service representative would not allow me to make a payment. He stated that because I had declared bankruptcy my loan was then transferred to the bankruptcy department which is why I was not allowed to make a payment. The CSR stated that Ocwen had not received my reaffirmation agreement from my bankruptcy attorney, advised me to contact my attorney, have my attorney fill out the reaffirmation agreement, and fax it to Ocwen. He stated this had to be done in order for Ocwen to start accepting payments. After much back and forth between my attorney and Ocwen I learned that the information your CSR gave me was incorrect and that I should have been able to make a payment. Due to this I fell behind on my mortgage and then unfortunately lost my job early XXXX of this year. By the time I had all the information from my attorney and Ocwen, Ocwen then would not accept any payments unless the behind balance was paid in full. I was told that since the account was greater than 90 days overdue they could not accept any amount of money except the full amount. This incorrect information created quite a problem for me. When I found out that the information this CSR gave me was incorrect from another Ocwen CSR I was told " I 'm sorry you were told the wrong information but they should have been able to take a payment, you were n't speaking with a bankruptcy team expert. '' How in the world was I supposed to know that when I got transferred to the bankruptcy department that XXXX. I was n't speaking with an expert and XXXX. That the information he was giving me was incorrect and that a payment should have been accepted!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
dear 1- MEDICAL BUSINESS BUREAU claims that I owe them {$500.00}. 
they never send me any bills or comunication. I did not receive any official notification about having the bill will go to a collection! I did not hear about this company before.

2- this company harms me by reducing my credit score 47 points costing me an increase in my car loan I am attempting to take this is cost me an extra {$3500.00} in my car loan i going to take.

3- MEDICAL BUSINESS BUREAU it is unethical to do that to people the should remove this record from the credit report for unfair act and miss communication.

4- before adding something to the credit report they should have communication explaining the situation what is my rights and my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
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:
To whom this  may con cern, I recently reviewed my credit report on  XXXX   XXXX ,  2017 and  noticed there was improper usage on my credit report. There were several unauthorized credit inquiries from unknown sources that were listed. I have no knowledge of these unauthorized inquiries and I am therefore seeking for the inquiries to be removed immediately.     Thanking you in advance for your prompt action of this matter.     Kind Regards , Concerned Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/22 {$330.00} I had noticed a purchase from a company XXXX XXXX XXXX and reached out to my credit company Chime XXXX XXXX and let them know there was a pending purchase happening at the location, and the date and amount I also explained I did not have my card in my possession and when I noticed it was missing I thought it was misplaced until the charge came ; the company said they would investigate and they came to a denial conclusion for my dispute I contacted the company back for an appeal and have not heard back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I really just wanted to say to you guys that you take the time out to sue XXXX over credit cards!!!!!! really!!!!! you also sued ocwen loan co for their fraudulent impropoper practices but just let them keep doing it after they have been sued,,,,, ,they and wells fargo are now taking our home bc you guys do n't do your job!!!! thanks for being there for us homeowners begging you for help ... I think your all crooked!!!!! I honestly believe you are all in on it together!!!!! shame on you all!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Pacific Rim Alliance Corporation
State: WA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX on XXXX, WA XXXX. I took out a payday loan and ran into financial trouble with unexpected medical bills, on top of rent and my car needing new parts. I tried to set up a payment plan with the company. Anything really instead of paying the {$570.00} all at once which would overdraft me and cause me to be unable to eat XXXX drive, or pay for rent. I told them not to charge my bank account because there was no money in there but they have n't seem to have got the message in the past month. I gave my bank a stop payment order but each time the company Checkmate tries to take out the {$570.00} it costs me {$35.00}. I just need them to stop trying to charge my bank until I can get back on my feet again, or until they can work with me in order to come up with a payment plan.

Company response to consumer: Closed with monetary relief