BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection copy reported a account that is not my responsible to a the credit bureau. I was a lease  occupant  and not a lease holder should I should not be responsible for the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We recently made two charges on our Chase Freedom Unlimited to pay someone using XXXX. Both charges were assessed a {$10.00} " cash advance '' fee. I complained to Chase, and they refunded one of these charges but not the other. Chase does list a {$10.00} cash advance fee on the page that lists fees for the card : XXXX XXXX XXXX However, there is nothing on that page that suggests that XXXX or similar services count as a " cash advance ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: Citi Management Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I and my mother have been getting calls from a man at  XXXX . He says his name is Mr  XXXX  and he left a number  XXXX  ext  XXXX . He is saying I owe a debt but will not say to who. He is very loud and angry and even said " you are  XXXX   years    old.  You are too old for this. '' He called my work phone twice today and asked to speak to my supervisor.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-23
Company: Flagstar Bank, N.A.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX, I have been on a COVID-19 forebearance through the Act. I was told that being on the plan as described on government and the loaner and websites that I would not face credit reporting or backlash for being on this plan up to 6 months. In XXXX the lender sold my mortgage to Flagstar bank. They call or send me letters every day Today they put a note on my front door to call them. Every time I call them, they tell me the same thing ( that I'm on a Covid forebearance, and that it is through XXXX, and I have to call in XXXX to extend it because I qualify ). They tell me I have 4 ways to handle things when the forebearance is done. They ask me ( every time ) why I suffered from Covid. This is all extremely harassing, down to a note to call them being placed on my front door today despite talking to them like 3 times in XXXX alone being told and asked the same things every time! When I was working with my former company, this did not occur. This is harassment and feels like it should go against the Covid mortgage forebearance Act.

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 2022-12-12
Company: Credit Card Acquisitions Group
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XX/XX/XXXX I Was XXXXXXXX XXXX XXXX XXXX  Texas. I Rented some Furniture through a Rent to Own Place. Not long after the company went out of business. 
On XX/XX/XXXX i Was XXXX  XXXX from XXXX XXXX and started receiving XXXX from Social Security. 
in XXXX i was contacted by the original creditor XXXX XXXX XXXX XXXX and explained to the i was on XXXX. and the people on the phone at the time didn't seem to care they were very rude and pushy. telling my they didn't care how i come up with the payment just as long as i came up with it. 
Here it is 15 years later and the collection agency is still trying to collect some how. even though they have NOT sent me any notices in the mail or tried contacting me in any way, this debt is still on my credit report and it is severely damaging my credit. i wish to have it removed and my credit restored at once,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've ask that the credit reporting agencies do a proper investigation verify any signature and everything relating to these acounts.I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please do a proper investigation into this matter. And remove this incorrect information from credit report. 

XXXX paid/closed XXXX XXXX  acount charged off XXXX XXXX XXXX services account charged off XXXX XXXX XXXX total XXXX closed XXXX XXXX XXXX XXXX account charged off XXXX XXXX {$180.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the company regarding this claim of debt, I did inform them that over the last 2 years I was victim of identity theft, I did file a police report XX/XX/XXXX with XXXX XXXX XXXX Police event number XXXX where XXXX XXXX was billing my account, I do not have XXXX service nor have I signed or done any business with that company. The letters and phone calls stopped but have started up again XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: IN
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:
The Credit Bureaus stated my accounts was properly investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, accounts that are in collection are also being reported as late payments, and the dates last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 sections 602 A. States I have a right to privacy 15 U.S.C 1681 sections 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions The Credit Bureaus are in direct violation of Federal Law under the Fair Credit Reporting Act ( FCRA ) 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I, the consumer and natural person, am filing this complaint about my consumer report in its entirety. The Credit Bureaus have assumed this role without my PERMISSION OR CONSENT! They did not exercise their grave responsibilities, they were unfair, they were partial, and they did not RESPECT my RIGHT TO PRIVACY! They NEVER had a permissible purpose! And I NEVER INSTRUCTED Them to furnish or create this report and I NEVER CONSENTED to this report in the first place. I have disputed these reports in their entirety as well as other accounts time and time again for years. I have asked them to remove ALL items from my consumer reports AS SOON AS POSSIBLE! And since they have failed to make reasonable procedures to resolve my requests to remove this report in its entirety, I am now being misrepresented by each Credit Bureau because these corporations have chosen to continue making fraudulent statements in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Block, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I purchased two books from XXXX XXXX and XXXX XXXX through CASH APP for the amount of {$43.00}. 
I never did receive the books and I called and dispute through cash app three or four times and they just skip saying that they found it in the sellers favor. I am submitting the documents that cash app chose to base their decision on how long with the purchase receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the lawXXXX XXXX XXXX XXXX : {$0.00}

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 2022-12-12
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was added as a co-owner on the account on XXXX and set up with online banking. When trying to do a XXXX transfer from M & T checking account to XXXX XXXX  XXXX account, the transaction would not process. I contacted M & T fraud dept on XXXX as instructed by email that I received on XXXX. I was advised that I needed to change the phone number I assigned for XXXX to my email since I was already using my cell for BOA XXXX. After changes were made, I was still unable to transfer funds. I called M & T fraud back and was instructed because of the original account owners age, I would need to provide Power of Attorney. 

I was added as a co-owner by my mother on XXXX in person with a XXXX XXXX XXXX who asked my mother at the time if she wanted me on as co-owner or POA. 

The fraud agent refused to approve a small transfer even though I am a legal account co-owner as of XXXX. I understand the need to protect customers from elder abuse but to block transactions based on someones age rather than mental capacity is discriminatory. My mother is starting to have vision and mobility issues which is why I she added me to her accounts so I could pay her bills online and I could transfer $ from her M & T account to my XXXX account to pay me back for her grocery shopping etc instead of continuing to write me checks.

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 2022-12-21
Company: Westlake Services, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My father passed away at the end of XXXX of 2022 and I was trying to settle his account. I was first told by a representative they would talk to me after sending in a death certificate and my driver 's license. After doing that I called again because I had not heard from them. They said they would not talk to me because I was not the informant on the death certificate. After speaking with many of the reps and trying to speak to managers, that were extremely rude, and I was hung up on multiple times, they finally came and picked up my dads vehicle. 1 week later, even after sending them a death certificate, they are still sending my dad letters telling him he is obligated to pay his vehicle off. This place in an absolute joke to work with, the people are not personable, and I have been lied to on several occasions. DO NOT work with them if you can help 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 2022-08-01
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 status incorrect

Complaint:
Attention Credit Bureau Management : I am a XXXX veteran. I am unable to work due to my XXXX. I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. 
Account # XXXX Experian shows : XXXX of XXXX  180 days late, XXXX of XXXX  180 days late, XXXX of XXXX 180 days late. 

XXXX shows : XXXX XXXX  120 days late, XXXX XXXX 120 days late, XXXX XXXX 120 days late XXXX shows : XXXX XXXX  120 days late

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed item and remove them if unable to prove that the Items are mine. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXXXXXX XXXX XXXX XXXX ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX : I am a XXXX XXXX. I am unable to work due to my XXXX I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. 
Account # XXXX XXXX shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: FL
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:
15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 




Account # XXXX Account # XXXX Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since the closing of my business, in 2009, which created for me much financial difficulty, I have been granted 2 separate loan modifications. First with XXXX which during this time became Ocwen. My first complaint would be the prolonging of the application process. The first took several months of a trial period payment which I paid on time each month but undenounced to me was reported as being 30 days late each month, making my once XXXX credit score to substantially lower, even though they assured me my credit would not be affected. In addition, before the first modification was granted my principal balance was {$150000.00}. and now after the second {$280000.00}. Understanding that I did not pay my mortgage periodically and that would of course be added in, and not being able to afford legal counsel, I never got straight answers or supplied factual documentation to answer my questions of how the figures added up, and then time would run out and I felt forced to sign or my house would be taken. I understand I am still in my house and I am grateful but I am upside down on my house and my credit is now damaged. After paying on my house for 15 years, I owe almost double of what I financed it for! How is this even legal, never mind fair! How is that helping??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CITIBANK, N.A.
State: CA
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:
I used my Citi credit card to purchase a XXXX XXXX flight ticket through XXXX on XXXX XX/XX/XXXX with the amount of {$1200.00} Due to flight cancellation by the airlines, XXXX XXXX has issued me a full refund of {$1200.00} to the original form of payment. XXXX has also confirmed the refund was processed on XXXX XX/XX/XXXX. However, I was unable to receive the refund on my citi credit card account, after multiple attempts to contact the customer service team. In XX/XX/XXXX, I requested a dispute be initiated to correct the refund error ( Attachment 1 ) but citi dispute department has refused to do so, with the reason being the transaction occurred too long ago ( Attachment 2 ).

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 2022-09-29
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this complaint to inform your department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. WELLS FARGO XXXX Date Opened : XX/XX/2018 Balance : {$5800.00} This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-08-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : 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 XXXXXXXX XXXX XXXX XXXXXXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XX/XX/XXXX Collecons : 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 XXXXXXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief