BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: Creditors Bureau Associates
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
First of all, I do not know who CREDITORS BUREAU ASSOCIATES are, and according to 15 U.S. Code 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection, so why are they referring to themselves as a Bureau? Thats deceptive and is a violation of 15 U.S. Code 1692e - False or misleading representations. They put a make-believe false account number on this letter they sent me but I do not have a contract with them. 

Furthermore, these people are in violation of 15 U.S. Code 1681b ( 2 ). I have not given them written permission to put anything on my consumer report. And I did not give them permission to mail me letters to my address.

And Further, CREDITORS BUREAU ASSOCIATES is in violation of 15 U.S. Code 1681 section 602, 15 U.S. Code 1681 ( a ) ( 4 ) for violating my right to privacy. They have my email address and phone number on this letter they sent me I did not give them that information. 

And further, CREDITORS BUREAU ASSOCIATES is reporting and also sending me letters of inaccurate, incomplete, erroneous and misleading information. They have used profane language which is abuse to me the reader and have harassed and oppressed me. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. This is a violation of 15 U.S. Code 1692d - Harassment or abuse.

And further, CREDITORS BUREAU ASSOCIATES are in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. All three of these were violated. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

And further, CREDITORS BUREAU ASSOCIATES is in violation of 15 U.S. Code 1681s2 ( 9 ) Duty to provide notice of status as medical information furnisher. They did not tell the credit reporting agencies that they are medical information furnishers. 

And further, CREDITORS BUREAU ASSOCIATES got my information without my consent which means identity theft! Their offenses amount to aggravated identity theft pursuant to 18 USC 1028a. They have knowingly transferred, possessed or used without lawful Authority a means of identification of me which is a felony punishable by up to two years of imprisonment in addition to civil liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Validation letters were sent out to XXXX XXXX on XX/XX/2020 certified mail and was received on XX/XX/2020. The FDCPA states the company must cease collection activity until you have produced verification of the alleged debt if so requested. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. But today XX/XX/2020 the auto loan account on my credit was charged off or closed.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On multiple occasions particularly XX/XX/XXXX and XX/XX/XXXX Experian provided unauthorized access to my credit report to a XXXX-party debt collecting law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The firm claimed to obtain the report as I had applied for an XXXX XXXX or Bank Account with them, an action that is false. The firm claimed to perform this action on the behalf of a company that was merged out of existence as of XX/XX/XXXX. The firm XXXX XXXX XXXX XXXX XXXXXXXX XXXX asked for permission to pull my credit report and was told NO by me in XX/XX/XXXX, prior to the company being merged out of existence. By law they should have obtained a XXXX XXXX XXXX 's permission to pull my credit report. 

It is clear the firm lacked permission to pull my credit report as they asked for permission from me and was told no. Fair Credit Reporting Act 15 U.S.C. 1681 be is clear that permissible purpose must be held to pull a consumer 's credit report. On examination of the company the firm claims is the authority to pull the report it is clear the company 's documentation doesn't support its legal existence and that XXXX XXXX would be the entity the firm pulled the consumers report for and the consumer has never had any contract or services from XXXX XXXX. 

On XX/XX/XXXX, when this fraudulent pull of my credit report first became viewable for me to see on my credit report notes, I immediately contacted Experian to inform them I never applied for credit from this law firm and asked how they were able to access my report without my expressed permission and as it is clear from my report, they are not a legitimate creditor. I was told by Experian that this is what the firm XXXX XXXX XXXX XXXX XXXX XXXX, entered into their account and that Experian did not enter or discuss this with the firm. When the firm was contacted to explain why they pulled my credit report illegally in this matter they stated that Experian told them to use this reasoning to pull my credit report. This is a breach of my credit data from an unauthorized firm and Experian appears to have failed to protect my data. I would like Experian to explain how this occurred and what remedy they offer. As this effected my credit scores and ability to borrow at the better interest rates.

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: 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:
On XX/XX/2022, I was notified of a hard inquiry on my credit report from XXXX XXXX XXXX that I did not initiate. I called Experian and notified them of this on XX/XX/2022. Experian placed a Fraud Alert on my account. I have also called XXXX XXXX XXXX  to let them know that this was not me and to make sure that the credit card account is not opened.

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: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The reference number is a quote from CITI Bank XXXX I initiated a transfer to XXXX XXXX on the XX/XX/22 for XXXX XXXX United States Dollars . 

For beneficiary address error, the beneficiary bank, XXXX XXXXXXXX XXXX, returned the money back XX/XX/22. 

I initiated all communication to inquire about the status of this returned funds to CITI bank, all I get is back office this, back office that! 


Today XX/XX/22 is my second official email to CITI bank via XXXX For withholding my money for over a month! 

Making my money that ought to generate some interest to loss value and gains, putting me and my family into suffrage! 

I hope the Citi Bank will be responsible enough to quantify and compensate my suffering within the period of withholding my money, without communicating or following up with me about progress and status of my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Wells Fargo between XXXX and saw that there was a settlement. I was not contacted by Wells Fargo about this but my information has changed. I no longer have an account with them as the house was paid off in XXXX. I wanted to see if I was eligible for this settlement and suppose to be part of the settlement. My name on the loan was either XXXX XXXX XXXX XXXX XXXX  as I was married when I originated the loan but then divorced while I had the loan.

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: CAPITAL ONE FINANCIAL CORPORATION
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:
accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are in default of our mortgage.   OCWEN has mishandled most of the correspondence.   I filed a Ch  XXXX  in   XXXX   to stop the foreclosure which was scheduled for   XXXX   XXXX   XXXX  .   OWCEN via   XXXX   XXXX   filed for relief and the judge granted it in  XXXX .   Since then the information that I receive from  OCWEN is conf using & very often conflicts from what they had said in a prior phone call.   Also, I received a letter on   XXXX   XXXX   XXXX   " IMPORTANT INFORMATION ABOUT YOUR CONDITIONAL DEED IN LIEU OF FORECLOSURE APPROVAL ''.   I received a call from  OCWEN on    XXXX   XXXX   - they said that there were liens on the property and asked me to get a pen to write them down.   I said no - that I needed it in writing and that it seemed to me that this would be the legal protocol.   Then they recited my email address - incorrectly - I had updated this 4 times in the past yet they still have the incorrec t one. I now  question what email communications that I   have missed that may have prevented a foreclosure.
When the judge granted relief to OCWEN they asked t  hat my attorney provide authorization & permission to directly speak with me which was faxed to them on the day of their request.   Mos  t timea that I call they claim that they do not have the authorization document & when I insist that they DO I get put on hold for up to 30 minutes while they check for it - and they always come back and apologize for the inconvenience saying that I do have this authorization.
OCWEN called m  e on Monday,   XXXX   XXXX   and left a voice mail.   I called them back today, Wednesday,   XXXX   XXXX   and my " relationship manager '',  XXXX   XXXX   XXXX , said that she could not speak to me - did not have this authorization from my attorney - looked for it while I was on hold - and came back to say there is no such authorization & to call my attorney.   I am completely frustrated because o f OCWEN inab ility to maintain up to date information and generally manage the D.I.L. application status for this mortgage.    OCWEN has h ad me in the dark for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: XOOM CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I did two transactions with XXXX and xoom for XXXX each, the first one went through, then the second one didn't, when I asked them why XXXX blamed it on xoom and xoom blamed it on my bank. The money is missing and they belittled me when I called them three times. I want my money and they won't answer me too where it is, and some transactions were wrong and they wouldn't listen too me, they repeated everything I said too them back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a follow up complaint to Complaint XXXX. 

A second, distinct complaint is being made because, during a telephone conversation with a person who responded to ( XXXX ) XXXX on behalf of CFPB, the advice given us was to file an additional, new complaint. 

This new complaint, on review, we believe should be viewed as a substantive reply to the Response which the prospective lender gave to our first Complaint. That is what we intend. In a similar vein, we believe the second complaint in CFPB terminology is " feedback. '' But before phoning and speaking with the person who responded to ( XXXX ) XXXX on behalf of CFPB, we provided formal feedback to your agency of a non-substantive nature regarding a telephone request we left on the voicemail of the person whose name is given as the preparer of the Response which the prospective lender gave to our first Complaint. Incidentally we have not received a response to that telephone request. 

Our Second Complaint and First Substantive Feedback to XXXX is as follows : Respectfully, in order to understand the Response, we believe we need - and so hereby request explanations of the following : 1. Why & how monthly income increased {$300.00} ( from {$10000.00} as advised on XX/XX/XXXX, to the Responses {$10000.00} ) or an increase of 2.9 %. 

This increase reduced the apparent shortfall in monthly income from {$220.00} on XX/XX/XXXX, to {$86.00}, a reduction of 61 %. 

2. How our monthly debt ( unchanged from the Responses {$4900.00} ) is arrived at. At a minimum, the traditional meaning of debt is not being used to get to this figure. 

3. The rationale for saying ... no eligible income was omitted when the Response increased our monthly income by {$300.00} or 2.9 %. 

4. Failing to explain in any way our principal inquiry, namely, the failure of any gross-up for significant amounts of our income as to which there are no - or reduced income taxes, whether federal, state or both. 

5. What repetition of an explanation by Mr Allende? There had been none prior to the conversation we had. Nor did he give one. 

He merely said repeatedly there could be no reconsideration ( what we were then seeking ) or response at all, because our application was no longer before the appropriate lender person or entity. 

If anything further is necessary or appears helpful for responding to us in any regard, please inform us of it and we'll make every reasonable effort to provide it.

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: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 a inquiry was made on my credit was not authorized by myself by XXXX XXXX I myself did not ask for this or know anything about it. 15 U.S.C 1681i ( a ) states that all information be correct by finding of thorough investigation if not this must be DELETED from my credit report! Furthermore 15 U.S.C 1681 states to credit bureaus that I have a right to privacy as well as confidentiality as they have an obligation to fair and accurate credit 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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: CITIBANK, N.A.
State: NV
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/22, I applied and was approved for a Wayfair Mastercard. I made a purchase totaling {$370.00}. It contained 2 items, a bed for {$340.00} and a protection plan for {$37.00}. When I went to make the purchase, the system said the purchase of {$370.00} was eligible for a 6 month promotion ( no interest if paid in full by 6 months ). I spoke to customer service at the credit card ( Citibank ) that night to be sure, and was told that was correct, but that I needed to call them when the items shipped to have the promotion applied. I called them today ( XX/XX/22 ) and was told by XXXX that only the {$340.00} can be put on the promotion because that was the full balance on my account. I told her the full balance is {$370.00}, but she said I was wrong. I hung up and double checked with Wayfair, and they confirmed that my order is for 2 items totaling {$370.00} ( which I also confirmed on my receipt ). I called Citibank back and spoke to XXXX. XXXX spoke to her supervisor and was told they can not put the other {$37.00} on the promotion because the amount is not over {$200.00}. They are looking at it by EACH item, not the full order, which is what they are offering/advertising. This is a fraudulent offer. I tried again, just to see, to go in and purchase several items, all around {$50.00} and under, which totaled over {$200.00}, and again it said I qualified for the 6 month promotion. They are advertising this, but when you make a purchase, individual items under {$200.00} are not put on the promotion. I would like this looked into as they are advertising something they are not doing. I have attached a copy of my receipt. Please let me know if you need any other information you need. 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 non-monetary relief
Consumer complaint received 2018-11-30
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CFPB, Thank you for assisting us, the borrowing public, with our credit and finance matters in dealing with the notorious consumer-law breaking credit reporting agencies, debt collectors and creditors. They so blatantly violate the consumer-protection laws and rules. All of the above entities are rascals and must be reigned in. 

My complaint is with debt collector CBE GROUP of XXXX XXXX, Iowa. I had disputed this debt in the amount of {$210.00} about 9 months ago with XXXX XXXX XXXX XXXX of XXXX XXXX, Minnesota who deleted the negative remark after I had complained to the credit reporting agencies for lack of response from XXXX XXXX XXXX XXXX  Then, The creditor or XXXX XXXX XXXX sold it to the present debt collector, XXXX XXXX as it was not collectible due to its invalid status. Fortunately, this negative remark is only on my XXXX  credit profile. 

I have herewith attached a copy of my dispute letter addressed to the original debt collector, XXXX XXXX XXXX XXXXXXXX, and to which they failed to reply. 

Please contact the debt collection firm, CBE GROUP and request them to remove the derogative because it is interfering with my ability to get ahead financially.

Also, please advise the debt collectors, in somewhat harsh language, to behave and align with the consumer-protection laws.

Again, thank you very much CFPB staff for the good work you are all doing at the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
DISCOVER BANK XXXX I have called and sent letters including a police report to the company requesting to close this account due to fraud. This account was opened fraudulently. I have made several phone calls to the company insisting they close account immediately and remove the account from all three credit agencies but they have not done that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NM
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:
Equifax in not responding to any of my requests to investigate and verify the accuracy of the information contained in my consumer credit report in accordance with The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Global Payments Check Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I been trying to get them to send me the original contract bearing my signature and their signature showing we have a contract showing I owe them money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation