BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: CITIBANK, N.A.
State: OR
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:
on XX/XX/2022 at XXXX PST a fraudulent charge of {$900.00} was made on my CitiBank credit card by a fictitious business ( XXXX XXXX XXXX XXXX ) of XXXX XXXX OR with a stolen XXXX  and a cloned card that was " activated '' twice an hour prior. 

REPORTED the crime, Locked my account, and DISPUTED fraudulent charge with Card company same day, but later processed the payment and says a " XXXX XXXX '' was used, and erroneously claimed that I am responsible for the full amount, regardless. (?!? ) Red flags : ( XXXX ) that the " cloned '' card ( by Shimming or emulating a stolen XXXX number ) was activated twice at XXXX - and the {$900.00} charge an hour later- I reported the fraudulent charge with the CitiCard fraud Dept - and that my XXXX was locked in a safe and I was asleep, over XXXX miles away from said location when said transaction took place. 

( XXXX ) stolen card number was activated twice at XXXX - and a charge ( processed as " in-store '' ) was done at XXXX. 

( XXXX ) the fictitious business has no physical garage location - no listed number - no website - and no reviews ( online or otherwise ) - the business does not exist except on paper. 

( XXXX ) Investigation reported to Portland.gov - FTC XXXX Dept of Justice - Police Dept - State Attorney Generals Office - shows that the suspect ( listed owner of XXXX registered business ) has a string of felonies for 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 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 


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

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 2022-06-29
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX, 2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and i got a letter stating, " They do not report any bankruptcies to anybody ''. So, if that's the case how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 681 according to 15 USC 1681 section 602A. States I have the right to privacy.

According to15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Emergent Business Group, Inc.
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been working with XXXX XXXX XXXX on different loans since XXXX and have been making payments to them for help repaying my payday loan at a lower cost. A Cease and Desist letter was sent to XXXX on my behalf, and a payment agreement was reached between XXXX XXXX XXXX and XXXX Payments were completed, and my debt was paid off by XXXX XXXX Around XXXX of XXXX, I started receiving nonstop calls from I have been receiving non stop phone calls from Emergent Services which claims they have purchased this debt. Ive had to turn my phone to silent so as to not disrupt my work day. 

Below is the number they have left voicemails from to call XXXX. 

Numbers also include XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and emails from XXXX. 

They have also contacted my workplace, along with friends and family, repeatedly. 

As of today, XX/XX/XXXX, I am still receiving multiple phone calls. I have worked with XXXX XXXX XXXX  to reduce the debt I owe and make sure that I am repaying what is owed. Harassing phone calls will not make me get money any faster it may cause me to lose my job and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: OneMain Finance Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I submitted a complaint through the CFPB to which the company OneMain responded to on XX/XX/2022 stating : In your complaint, you state that your account was settled in exchange for the deletion of the negative account from your credit report, but the account is still reporting and harming your credit. As an initial matter, please note that OneMain has no record that you have accepted any settlement, nor has it received any settlement payments. OneMain respectfully declines to request removal of the OneMain account reporting to your credit file. 

I've attached a screenshot from my current credit reports from all XXXX credit bureaus showing that the account is reporting as Settled/Payment after charge-off so why exactly is your records not reflecting said information which the credit bureaus clearly got from your company? This is a serious violation of my rights under the FCRA since the information being reported against me is neither fair nor accurate. If this gross negligence of my rights continue, I am prepared to file a lawsuit and seek compensation for the damages I have incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Inability to make payments on accounts from external.bank accounts. Cancellation of payments and no payment processor. The credit union is not capable of processing payments on accounts only account transfers. Also, I reported fraud on an account ending in XXXX but continued to make payments. Nothing was done except for an account number change. I reported the issues with credit bureaus due to my previous fraud issues and Navy federal told the credit bureaus that I never reported fraud, closed the account, and reported late payments even though payments were made on time and returned due to a navy federal error with processing payments. They should use a payment processor to process payments because I am unable to make any payments to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, INC.
State: TN
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:
iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked XXXX to please remove that 1 late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked XXXX to please remove that 1 late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In the beginning of the year I placed my card on freeze because I had a company taking unauthorized charge out the account, I always paid my accounts on time, In XXXX of 2022 they closed the account for non use, and reported XXXX and XXXX as late payments. My account was closed and deposit was returned. I have asked numerous times for them to review my account and waive the late payments, I paid my entire bill in full and request for them to update the credit bureaus and remove late payments off my records. They refuse and never investigated the account at all. Managers would hang up calls while I was talking and I would never got calls returned,.

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 2022-06-29
Company: EQUIFAX, INC.
State: TN
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:
In the beginning of the year I placed my card on freeze because I had a company taking unauthorized charge out the account, I always paid my accounts on time, In XXXX of 2022 they closed the account for non use, and reported XXXX and XXXX as late payments. My account was closed and deposit was returned. I have asked numerous times for them to review my account and waive the late payments, I paid my entire bill in full and request for them to update the credit bureaus and remove late payments off my records. They refuse and never investigated the account at all. Managers would hang up calls while I was talking and I would never got calls returned,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I wrote the following letter to Chase Bank XX/XX/2022. I called them the day of the scam to report it. There terse reply was they are not doing anything about the scam. 

Customer Claims Dept. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Scam using XXXX Dear Sirs : I am embarrassed to report I was scammed by someone using XXXX. But am I am angry that XXXX will do nothing about it after I reported the scam. 

The scammer used fake XXXX email messages. I have a copy of the XXXX XXXX messages that took place and copies of the fake XXXX emails. 

The scam took place on XX/XX/2022. The XXXX id used by the scammer is XXXX and the XXXX transaction # is XXXX. 

The amount of the scam was {$300.00} and the copy of the messages and my XXXX account transactions will show no money was received by me. 

I have reported the scam to the FBI via an Internet Crime Complaint and I plan to report the scam to the State of Ohio Attorney General 's office. 

I trust you will resolve the issue with a credit to my account for the scammed {$300.00}. Otherwise, I will be switching my bank accounts to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company XXXX XXXX directly, as well as the Collection Agency -Credit Collection Services . which is they are using. They are trying to collect a debt in the amount of {$2300.00}. I contacted both these companies in XXXX of this year ( 2022 ), to explain this this account is not mine. The account was supposedly opened in XXXX 2022. When speaking to the person at the Collection Agency, the debt is not even under my current name, but rather my maiden name which I have not used in over 21 years. The address that is listed for the account is also an address which I have never lived at.I have not heard back from either company. I have NEVER received any correspondence pertaining to this account, either by mail, phone or otherwise. This is the second time my name is being used fraudulently, as an application for unemployment was also filed under my name last year, which I also reported but never heard anything back. I have also been in contact with the credit score companies regarding this, and they continue to claim that this information is accurate, which it clearly is not. I do not even know what kind of company this is, but I think maybe cable or cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # XXXX, has violated my rights. 

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.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Agency the following companies have made some violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

Name : XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Accounts : 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 2022-06-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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.

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 2022-03-29
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Submitted required paperwork provided by XXXX XXXX and and subsequently called and talked to multiple reps about scheduling inspection of home for appraisal in XXXX, XXXX, and early XXXX of XXXX, including email requests for said inspection and appraisal. 

The XXXX servicer has not responded to schedule the appraisal and in our view now is not needed, as the market analysis shows the home will sell considerably above the XXXX loan balance. As an heir, we have a market analysis done in XXXX of XXXX and updated in XXXX of XXXX, and we informed the XXXX company that we intended to sell the home and payoff the loan in XXXX at the sale closing in XXXX of XXXX. 


Home was listed in XXXX of XXXX and now a sale in scheduled to close on or before XX/XX/XXXX. The payoff request by me for XX/XX/XXXX was provided and includes a {$750.00} charge by the XXXX servicer for an appraisal that was never done. Have asked for a copy and it has not been provided. That is likely because an appraisal has not been done by the XXXX servicer. I am the PR for the estate and an heir with control of access to the property and that information was provided to the XXXX servicer in XXXX of XXXX. An appraisal has not been done. 

With the imminent sale by XXXX, that appraisal is not needed now since we are paying the loan in full. We simply want and have requested a corrected payoff for XX/XX/XXXX excluding the erroneous ( and excessive above normal ) charges of {$750.00} for an appraisal. 

Please help me get the payoff corrected and expedited to me for the closing.

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