BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-25
Company: CITIBANK, N.A.
State: CA
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:
My complaint is against Macys # XXXX. CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Macys to remove fraudulent related account from all 3 reports. My identity might be compromised and according to the Fair Credit Reporting Act, every fraudulent related account has to me removed from reports by law. I want an immediate deletion letter from Macys, stating the removal of FRAUD related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and have the account remove, but if you want to go to court, that way it shall be. 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 explanation
Consumer complaint received 2019-12-25
Company: JPMORGAN CHASE & CO.
State: AL
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: Card was charged for something you did not purchase with the card

Complaint:
JP Morgan bank/ Chase Bank is reporting a credit card on my credit report that I have NEVER applied for and is fraudulent. 

This account was supposedly has a {$1200.00} limit with a {$1300.00} balance. I DID NOT apply for nor use this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I made a payment of {$500.00} on my XXXX XXXX XXXX XXXX XXXX car to Regional Acceptance Corporation through their automatic system. I did not get a confirmation of the payment. So I made another payment of {$500.00} on XXXX XXXX, XXXX. Upon noticing the double payment, I called Regional Acceptance Corporation to inform them that I inadvertently made another payment, and I would like a refund. I spoke with a Customer Service Representative who informed me that it was the Eve of a holiday and there wasn't any Managers in the office. She stated that she would put in the request to her Manager for when he come in on Monday. And for me to call back on Monday. I called back on Monday and was informed that the Manager had approved the reimbursement, and that it would take between 7 to 10 days to hit my account. 

On Monday, XX/XX/XXXX, I called again and was told that they see that the Manager had approved the refund, but when I checked my bank account, I did not see that the money had been returned. I called on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and was told nothing more than what was told to me the day before " to call back tomorrow ''. In between these calls, I called my bank to check, and they said they didn't see anything pending. And that this in only the 8th day ; give it two more days. I did that. I gave them two more day and still no refund. I called Regional Acceptance again on XX/XX/XXXX, but was told by another Customer Service Representative that he see that the authorization for reimbursement had been completed on XX/XX/XXXX and that there wasn't anything else he could do. 

I was stunned due to his lack of concern. I stated to them that if it had been me, they would not hesitate to come repossess my car and I don't think this is fair.

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I put in my credit card information for the {$1.00} credit check from Transunion. I did not receive a report or any services, nor an email or text with a link to said services. 7 days later I was charged {$19.00} & immediately on the day the supposed trial period I did not know I had ran out. Instead of explaining what services they offer they cancelled said service & explained they have a no refund whatsoever policy. I have no documents to show other than my bank statement wherein the money was removed by them since they never text or emailed anything to me at all regarding anything. I searched my email & text history very thoroughly.

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 2019-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap.. XXXX SELF-REPORTED XXXX, XXXX  SELF-REPORTED XXXX, XXXX SELF-REPORTED 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 (  Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : 01 XXXX  XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12 XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX , XXXX-KS ( Original Creditor : 10 XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : 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 2020-04-03
Company: TRUIST FINANCIAL CORPORATION
State: WA
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:
I contacted the CFPB previously about the inquiry about the financial insitution previously stated in my claim ID # XXXX. I spoke with an institution that did not state who their name was when I spoke with them on the phone, believing from their letter to be from the VA. We provided them with information not realizing they were from another financial institution and never gave verbal or written authorization to run my or my husband 's credit. I would not have authorized the credit reporting had the person I spoke with asked or stated that was a step they were going to take. The FDIC closed my case # XXXX and when i spoke with them on the phone with them about it, they said to contact you guys again about 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 2020-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
USAA Blocks members from Reporting ID Theft CONSUMERS HELD LIABLE FOR FRAUD. 100 % liability remains on consumers accounts. USAA policy requires verification to reach IDTheft Department or any department requiring a profile recovery. Consumers are block from protecting themseves against ID Theft. I TRIED ON LINE USAA IS NOT ADA COMPLIANT FOR MY XXXX  XXXX & AFTER VERIFYING ME FOR 37 YEARS ( ** SUDDENLY I AM UNABLE TO GET VERIFIED when phoning ) see ID Theft case XXXX dated XX/XX/XXXX Reported to FTC & UNABLE TO RESOLVE ID THEFT ON LINE OR BY PHONE to usaa. ( This is usaa 's 100 Liability Policy to protect usaa making it UNAVAILABLE TO CONSUMERS. ) I am held accountable for an account usaa created id theft USAA DID NOT CLOSE ACCOUNTMC END XXXX XX/XX/XXXX 1099-C CANCELATION OF DEBT & USED MY PRIVATE DATA from this account TO OPEN TWO FRAUDULENT ACCOUNTS MC END XXXX & VISA END XXXX ( 2 ) ACCOUNTS OPENED SAME DATE XX/XX/XXXX ** I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY MORE ACCOUNTS AFTER XXXX. NOW USAA WILL NOT ALLOW ME TO REACH ID THEFT DEPARTMENT FOR RESOLVE. usaa REVERSED {$3000.00} CREDITS THAT WERE MERCHANTS CREDITS XX/XX/XXXX USAA HAS PROVIDED NO PERMANET FRAUD CREDITS FROM XX/XX/XXXX FRAUD ( * NO ORIGINAL SIGNATURE OF APPLICATION & DRS LICENSE USED TO OPEN ACCOUNT IN VIOLATION OF FEDERAL LAW ) They ask me for to verify ** my drs license for ACCOUNT NOT MINE I DID NOT OPEN. I HAVE ASKED FOR YEARS USAA PROVIDE ME WITH DRS LICENSE THAT OPENED THESE ACCOUNTS TO NO AVAIL. USAA ASKS FOR MINE. Kindly Note usaa making restitution to XXXX, XXXX other members & fined XXXX XXXX DOES NOT STOP usaa from frauding consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Back in 2015 Capital one has opened two fraudulent credit accounts, one for {$3600.00} and the other for {$4000.00} under my name, I have contacted them many time letting them know that I did not opened any account with them, but they keep discarding my requests. I have filled with FTC for identity theft and have sent a copy of the report to Capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: ACIMA CREDIT, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello ACIMA CREDIT FKA SIMPLE ; How are you and happy new year to you and the family! I need your help here! 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX A V XXXX XXXX  ) XXXXXXXX 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 2020-06-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Credit Acceptance Corporation has had my account listed as closed since it was transferred to a collection agency back in XXXX it has since been reopened ( XX/XX/XXXX ) and they have recently reported me 120 days past due which is inaccurate since there has been no activity on the account since XXXX. They are not even the ones housing the account it has been sold to a collection agency so they are reporting this illegally to the Bureau per the Fair Credit Reporting Laws .Every time I call them they have a different excuse / dispute process and wont give me a proper timeline to resolve the issue even though i have been told multiple times that the information would be deleted and updated. It should be updated that it is in Collections not 120 days 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 2015-04-03
Company: ALLY FINANCIAL INC.
State: UT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX I leased a XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX. The lease was financed through Ally ( formerly XXXX ). I made my payment every month and did not have XXXX late payment from XXXX. I XXXX and purchased a XXXX XXXX XXXX in XXXX XXXX. I received a letter from Ally XXXX XXXX stating I owed money on my previous XXXX for a sum of over {$1100.00}. I then received a statement stating I only owed a balance of {$540.00}. I contacted Ally and set up payment arrangements to take care of balance. I agreed to pay {$100.00} monthly payments. My XXXX payment was made in XXXX. My XXXX payment was made in XXXX. My XXXX payment was not made because I received a letter from Ally on XXXX XXXX, XXXX which advised me that my balance was paid and my debt was satisfied. My father also being a Co - signer received the same letter as I did. I stopped making the payments. Due to the letter I received I felt that my obligation had been satisfied. In XXXX XXXX, Ally sent me another statement advising me that I still owed an additional {$300.00}. Because of the letter I received from Ally I disputed this amount for several months. Ultimately, I paid the {$300.00} and Ally proceeded to report my account as a charge off to the credit bureau negatively affecting my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX XXXX, a United States Citizens, XXXX born, and I purchased a piece of real estate in XXXX, Florida on or about XXXX that is located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. The Subject Property is zoned Commercial and I spent over {$300000.00} in constructions, that including enlargement of the structure, the facade, the parking lot, the roof, counter top, a new kitchen to make it a XXXX. 
Upon completion, after exhausting all my personal financing, I still needed to buy equipment, such as stove, ovens, furniture, walk-in freezers etc. I offered the Property as collateral to Ocwen Mortgage Servicing who also did a wrap-around with my Personal Residence and offered me sub-prime financing in the amount of {$200000.00} on or about XXXX. 
The Market crashed and the XXXX did not performed sufficiently to pay the Mortgage. 
XXXX XXXX XXXX, the Investing Bank foreclosed on XXXX XXXX, XXXX and XXXX also an Investor for Ocwen Mortgage Servicing, purchased the Property on XXXX XXXX. 
THE PROPERTY WAS SEIZED AND SEALED- OFF ON XXXX XXXX TO PREVENT MY ACCESS AND I COULD NOT RETRIEVE PERSONAL, AND BUSINESS DOCUMENTATIONS. 
We provided buyers to Ocwen Mortgage Servicing to cure the Mortgage, and successfully negotiated the removal of my Primary Residence from the wrap-around so that I could sell it and cure the default. I paid Ocwen Mortgage Servicing a sum of over {$100000.00} and the property was sold by XXXX for {$170000.00} on XXXX XXXX to XXXX XXXX. 
Now comes Ocwen Mortgage Servicing and provided the Internal Revenue Service with a XXXX for {$200000.00} as a discharged debt in which the Internal Revenue Service is demanding a whopping {$62000.00} that includes {$52000.00} of earned income as a result of the discharge plus interest and penalties. 
I have on numerous occasions requested an historical profile of my payments, but to date Ocwen Loan Servicing have steadfastly refused. NO ONE OF THE PARTIES INVOLVED WILL PROVIDE ME WITH THE FILES I LEFT IN THE STORE SO THAT I CAN PROVE MY CASE WITH THE IRS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX credit reporting agency dropped Ocwen Loan Servicing , LLC from my credit file, stating in their answer to CFPB case number XXXX I filed that Ocwen Loan Servicing , LLC account was reinserted on the credit file on XXXX/XXXX/XXXX. Please contact Ocwen to see why the account is no longer reporting and to see if they can report the account on your credit file. XXXX is still reporting the outdated information Ocwen submitted to CFPB case number XXXX in answer to my complaint filed in XXXX XXXX. Per XXXX XXXX, Consumer Account Analyst, Office of the Consumer Ombudsman, Ocwen Loan Servicing , LLC response in this case number dated XXXX XXXX, XXXX, Ocwen electronically reports information to the credit reporting agencies on a monthly basis. However, as of XXXX XXXX, XXXX, Ocwen has not sent any updated information on my mortgage account XXXX to any of the credit reporting agencies. I called Ocwen Loan Servicing , LLC at XXXX on XXXX XXXX, XXXX after talking with a representative of XXXX. I spoke with XXXX who gave me identification number XXXX. She verified that the account in fact had not been reported since the above mention date. XXXX was to contact me within XXXX working days. To date, I have not heard from XXXX with Ocwen and the account still show that Ocwen has not sent updated credit reporting information. I am uploading the credit reporting information I got from my Ocwen account online, plus correct information that shows the account is paid each month as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Reported fraudulent reporting to all 3 agencies, XXXX, Equifax, XXXX. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 + months, totally decimating my excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX is reporting to Experian that they are currently collecting a government claim on my student loan, when in fact, my loan is current and currently being serviced by XXXX XXXX. 

I am unclear why the amounts of my original amount of approximately XXXX and XXXX each ( about XXXX in total ) now totals over {$30000.00}. Formerly XXXX XXXX has reported a total of the XXXX loans which i consolidate and are now XXXX at XXXX XXXX. 

I need this removed from my credit report because it is not accurate and s hindering my potential mortgage.

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