BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus but they did not remove them, nor prove validation. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2023-08-16
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I am the victim of identity theft. A thief fraudulently using my personal information received a loan through Affirm/XXXX. I DID NOT make the request. I DID NOT authorize any person to, nor did I receive any goods or services. 

I have disputed this since I discovered it in XXXX and it remains disputed. 

This loan was acquired fraudulently with Identity Theft. 

I have filed a police report, frozen my credit, reported to the credit bureaus and to the company and continue to dispute this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Citibank credit card customer for many years. Sometime in XXXX, Citibank had a promotion that it will pay {$1000.00} bonus for new checking account with deposit of {$75000.00} held in the checking account for XXXX or 90 days. 
As there is no citibank branch in XXXX XXXX XXXX I was asked to open a new account over the phone. I opened checking and a saving account in XXXX and funded {$75000.00} from my credit union using Citibank web portal. I have XXXX statement showing account balances. After 90 days or so, my online account access was blocked. When I called citibank, they said that my account was compromised and asked me to verify my account with their fraud department. I called and verified my account multiple times. My account is still blocked. At some point, they asked me to open a new checking and savings account and then transfer funds to new account. After jumping through lot of hoops and spending numerous hours over the phone, they opened new checking and savings accounts. With in few days, without any intimation, they closed the new accounts. 
On XXXX when I called, I was told that my checking and savings accounts are under closure process and within XXXX days, they will send return my funds via check in the mail. 
Its been almost 60 days, I have no communication via email or regular mail on account closure process. I called again yesterday, now they are saying that my account is still blocked and it may take somewhere XXXX days before I can get my funds. 
Here is my situations, I saved these funds all my life for my daughters college. She graduated highschool this year and I have no funds to pay for her college. Citibank does not provide any concrete answer on why my account was blocked and when I will get my funds back. Please help.

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 2023-03-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citizens has continually locked me out of my online banking account ... I made a complaint previously COMPLAINT ID XXXX on XX/XX/2022. At that time Citizens convinced you that the issue had been resolved however I've continued to have the issue. As I type this, I remain on hold for an hour after talking to multiple departments who tell me that they can see my account is locked but can't tell my how it happened or what needs to be done to correct it. It is not unreasonable for me to ask that I have reasonable access to my account information and if that is not provided that I get a resolution that doesn't require hours of my time for their mistake. I am in the process of leaving due to this issue but the fact that this is allowed to go on with no repercussion is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Credit Karma, LLC
State: MS
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:
Checking on my credit through Credit Karma and noticed that someone stole my identity and putting in for loans and accounts. I reported to be removed from my credit and find out who stole my identity. I had a hard time getting back into credit Karna had changed my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Credit Control, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has called my place employment two times. I have asked them in the past not to contact my employer. Today they contacted my employer again.

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 2023-08-16
Company: EQUIFAX, INC.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Early Warning Services, LLC
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 information incorrect

Complaint:
I received my EWS report and XXXX Bank indicated that XXXX transactions of {$20000.00} were returned on XX/XX/22 & XX/XX/22 This information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I work in farming outside the country but we just have gone to the worst rain and flood season in the past 27 years. We have not been able to harvest our crop since XX/XX/2022. 
We are now in the process of rehabilitation of the plantation and it will take the rest of the year to be in good standing. 
I have just proposed the lender to pay 50 % of what is now due, but they did not want to accept any partial payments. Only the full reinstatement amount. I asked them to take the 50 % now and within a month make good on the other 50 % but they are not accepting the offer

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 2023-08-16
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
This complaint is for STATE EMPLOYEES CRED, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Global Lending Services LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 @ XXXXXXXX XXXX XXXX  XXXX XXXX was contacted by telephone by a Global Lending Service Rep by the name of XXXX XXXX this is the number XXXX XXXX XXXX use to call me ( XXXX ) XXXX XXXX XXXX stated she see I have a cease and desist on file and she continued by saying I owe this auto loan debt where they received by information from XXXX XXXX XXXX. She completely ignored me, harassed me, and continued to talk over me as i tired to tell XXXX XXXX XXXX all communication should be via mail or email she violated me by telling me to pay this debt. i continued to try to tell she is in violation of my consumer rights under fdcpa and fcra. XXXX XXXX XXXX then hung the phone in my face. She not only violated my rights but she also violated several federal laws as well. XXXX XXXX XXXX has caused me more emotional distress from this phone call i should not have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been with Capital one for almost 5 years plus. I have credit cards from all major banks in USA like XXXX XXXX, XXXX XXXX, XXXX XXXX  etc. Max credit limit of {$36000.00} in one single credit card and all others are in the range of $ XXXX {$20000.00} with a total limit of $ XXXX. My credit score is mostly in the very good range, never missed any payments. 

The problem is the system of Capital one for credit limit increases, My limit is {$600.00}, and doesn't matter what you do they don't increase it. I am not asking to give me max credit but a reasonable limit is expected. They had a usage issue which I did mitigate now the rejection pretty much has no explainable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 explanation
Consumer complaint received 2023-08-17
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing between XXXX and XX/XX/2020, Ive been a victim of a multilayered scam operation orchestrated by a person going by the name XXXX ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding innocent people. 
Money was transferred from my US Bank account via bank wire and cashiers checks, to accounts in XXXX XXXX and XXXX  XXXX XXXX, in the total amount of XXXX USD.

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 2023-08-17
Company: Ocwen Financial Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My reverse mortgage was signed by someone, I was in the XX/XX/XXXX, suffering from XXXXXX/XX/XXXX and a XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
LVNV Funding Llc has been emailing me as a XXXX party, demanding that I pay XXXX for a account that was verified as a fraudulent account and removed. The Original Creditor which is as XXXX XXXX, XXXX. was also removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: MI
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:
RE Applications and Inquiries on : XX/XX/XXXX and XX/XX/XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX, XXXX and XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX XXXX XXXX of SS # - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good afternoon, I received a letter from NCB Management about 3 months ago informing me my information was compromised in a data breach. The letter stated my information was compromised, however did not explain how, why or what measures will be taken to prevent a future breach. I called XX/XX/2023 and spoke with supervisor XXXX and asked for a new letter due to receiving a couple pay cards I did not apply for. I lost the original. She refused to send me a new letter stating they were sent out by vendors and I could not have a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$9500.00} cash into my U.S. bank checking account on XX/XX/2023 and suddenly my account was frozen. US bank told my account is under review for closure and wouldnt give me an explanation why or date when I would get access or receive my funds in the mail. I have been banking with US bank for some time now and never had an issue until now. I am seeking your help to get access to my funds. Please

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 2023-08-17
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have not received an answer to my Qualified Written Request that I sent to Ocwen Mortgage, PHH and Litton Loans. Even though this complaint is for Ocwen all of these companies have asked me to pay them for my second. I've asked all of them several times who is the secured party that they sought to receive payment for. I do not believe I owe anyone who has contacted me thus far, so I have answered no to have I missed a payment. I think the account # is XXXX but if they give another number that is ok I just need to know who they were collecting for. 

I have attached my last QWR in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-17
Company: Westlake Services, LLC
State: GA
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:
Hello I am XXXX, one the customer that bought a vehicle from USAUTO SALES. THEY ARE TRYING TO START MY FINANCIAL PAYMENTS FROM START. NEVER WAS NOTFIY OF THIS COMPANY LOSING BUSINESS NOR ANOTHER COMPANY TOOK OVER. But is trying to double up impairments and buyouts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Driveway Finance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023 we traded in our XXXX XXXX that was financed with Driveway Finance. On that day I logged into my online account with Driveway Finance and provided the dealership with the payout amount. Our next payment was due on XX/XX/2023. On XX/XX/2023, Driveway Finance deducted {$360.00} from my account. When I noticed and logged online, my " auto-pay '' was turned off. I called Driveway and I was told that the new bank ( XXXX ) did not pay the total amount and I was charged with the difference which included a late fee for the XX/XX/XXXX payment, a returned check for the XX/XX/XXXX payment, and a late fee for the supposed XXXX payment that I was not even aware. The representative informed me that XXXX sent a payment of {$33000.00} and the total payout was {$33000.00}. The XX/XX/XXXX late fee was {$31.00}, the return fee {$25.00} and the XXXX late fee was {$39.00}. The numbers simply don't match. 
So I asked the representative to provide me with a statement with a complete history of payments, dates and loan information. She informed me that she would need my personal email because the email on file is my work email and per policy they can not send to a work email or business. I questioned the reason because I used my work email to create the account online and have received emails from Driveway Finance in the past. 
My complaints are the following : XXXX Lack of information available to consumer. The portal where we access the account does not show payment history, fees or any other essential information related to the original loan. 
XXXX Lack of communication. I have not been emailed or received a letter notifying me that I still owed them money. 
XXXX Unauthorized charge. My account auto-pay was turned off and yet I was deducted money. 
XXXX Lack of transparency with consumer related to information request. If a work email or business email can be used to open an online access, therefore the same email should be used to receive documents related to the account.

Company response to consumer: Closed with explanation