BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: CAPITAL ONE 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: Account information incorrect

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

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-12-13
Company: I.C. System, Inc.
State: TX
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:
IC Systems reached out to me regarding two accounts one being XXXX, and XXXX on XX/XX/2022. They spoke to me about these accounts and we agreed that If I make a lump sum payment, IC Systems will remove all negative information from my credit file associated with the debt. We agreed to settle Account XXXX where we agreed that I would pay {$270.00}, for account XXXX we agreed that I would pay {$85.00}. On XX/XX/2022 I kept my end of our agreement and hoped that IC Systems would do the same. However as of Today XX/XX/2022 IC Systems is still reporting negative information regarding this account. According to the FDCPA has a strict list of laws that Debt Collection agencies must follow and IC Systems is violating the law by misleading me as to what I was paying for. At first I believed that this may have been an honest mistake on their behalf. However I submitted a dispute with the Bureaus and they wrote me that IC Systems allegedly " verified '' this. The call that the agent and I had on XX/XX/XXXX notates that I agreed to give IC systems a lump sum of money in exchange they would remove all negative information from my credit file. If IC systems is not going to keep honor our agreement I need to be refunded {$360.00} immediately.

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 2022-08-23
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been in contact with XXXX XXXX regarding fraudulent purchases made on my account on new cards issued that were never activated by me and never once left my house. The fraud department was able to take care of a few, but not all of the charges. I have called MANY times ( 11 times as of today ) and sent a letter certified mail outlining the fraud, dates and store locations.

I was relieved when it appeared a couple weeks ago that they removed these charges, but when I logged on today, they had been added back. I called the fraud department again today, the 11th time, and was told they called me and that I hung up on them, which is a flat out lie. I would NOT do that as I want this resolved and there is no record on my caller ID of them calling on XX/XX/22 as they said they did. 
I cancelled all the cards. I would like this resolved since it is an almost {$2000.00} ding to my credit report. Here are the fraudulent transaction details : XX/XX/22 XXXX  XXXX XXXX XXXX {$400.00} XX/XX/22 XXXX  XXXX XXXX XXXX {$500.00} XX/XX/22 XXXX  XXXX XXXX XXXX {$510.00} XX/XX/22 XXXX XXXX XXXX XXXX {$500.00} I would like XXXX  XXXX to remove these charges imediately and permanently from my account. I never made them and if they did some investigations, they would easily tell that they weren't my charges as I mostly buy from them online and NEVER for purchases that cost this much. It is CLEARLY fraud.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXN XXXX Balance : {$1900.00}

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 2022-12-13
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Absolute Resolutions Corp.
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: Reporting company used your report improperly

Complaint:
In response to my compliant # XXXX Company responded on XX/XX/2022 " Absolute Resolutions Investments , LLC ( ARI ) is in receipt of the complaint filed by XXXX XXXX XXXX XXXX XXXX ARI will honor XXXX XXXX cease and desist request. Based on the foregoing, ARI is closing this complaint. '' The company has not remained in honor of the cease and desist as reported and have continued to furnish data to consumer reporting companies on XXXX XXXX, 2022. This is misrepresentation and more importantly another example of the continuation of the company 's violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: OH
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 called by lawyers wanting to represent me in order to get rid of hard inquiries and derogatories on my account. I wasn't aware that there were hard inquiries and do none have contracts with these companies. Due to the fair credit reporting act, legally, these unverified and unauthorized items need to be removed. Please remove them. The accounts are as followed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Credit inquiries on your report that you don't recognize

Complaint:
This is not a duplicate complaint, it is another complaint since the first complaint was not handled fairly. 

As stated in the previous complaint I went to car dealerships applying for a car loan using my XXXX number. I did not provide my social security number because I did not want reporting on my personal credit. Despite that all the inquires listed below in addition to the FTC fraud report attached are inquired that are inaccurate on my credit report. Per the FCRA the information on my report must be accurate. If you disagree I would like you to provide me with any information you use to validate this debt on my credit report. 

The following Inquiries I did not authorize : 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 XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX, XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 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 2022-12-13
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I used the western Union transfer platform to send the sum of {$450.00} to my sister in XXXX, XXXX to pay my mothers medical and other sundry bills. According to the terms of the transfer, western union affirmed that the money would be delivered to my sister, XXXX XXXX XXXX XXXX account in XXXX Bank XXXX XXXX on XX/XX/2022. I was issued with a transaction and XXXX # XXXX by western union. In line with western unions delivery date of XX/XX/2022, my sister went to the nearest XXXX Bank to her residence on this date to confirm if the {$450.00} I sent has been delivered to the Bank and to pick up the money. She was however told by the Bank XXXX who oversees the western Union XXXX XXXX and international transfers, that there was absolutely no transaction associated with the XXXX number I was given by western union. My sister immediately called to inform me that the {$450.00} I sent to her through western union was not given to her by XXXX Bank because there was no transfer from western union to support the transfer. I then frantically called the western union XXXX here in the XXXX on XX/XX/2022 to find out the status of the money I sent to my sister through them. I was told by western union that it typically takes about 2 days from when the the Bank arrives in XXXX to process the delivery of the money to the recipient. In this context, western union said that I should tell my sister to return to XXXX Bank in XX/XX/2022 to pick up the money. Consistent with western unions advise, my sister again returned to XXXX Bank on XX/XX/2022 to pick up the money. The XXXX Bank XXXX transfers XXXX checked through the system and again told her that the said money has still not been sent to them and added that there was no record of the transfer. Bottom line, my sister left the Bank without the money. Before she left the Bank, I was able to speak with the XXXX Bank XXXX who confirmed that there was no record of my transfer in the system and told me to call western union to find out the status of my transfer. At this point, I because utterly frustrated and called the western union to complain about the non-delivery of the {$450.00} I transferred to my sister through them and humbly demanded that the money should kindly be refunded to me. They raised a case with case number XXXX and told me that they would contact the Bank XXXX Bank in XXXX to find out the status of the delivery and consequently refund the money to me. I want western union to refund my {$450.00} ( they can keep the transfer fee ) for their inability to deliver the money to my sister. I have repeatedly called western union to ask for my money and they have still not refunded my {$450.00} to me. I will therefore greatly appreciate if you could kindly intervene in my behalf and ensure that the {$450.00} which they have still not deliver to my sister is refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 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 2022-08-02
Company: Experian Information Solutions Inc.
State: NH
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:
Experian is the only one that has the XXXX XXXX late payments, XXXX and Experian never got the late payments, so my credit is XXXX and XXXX. Experian has a credit score of XXXX. I have no idea why the big difference in credit score! The whole thing doesnt make sense. I just want this taken off of my credit. Suspicious that they reported this to me right away. Just like the fake student loans, Experian keeps it on my report and they are from XXXX I have been XXXX since XXXX. Put on {$0.00} payments due to income! They keep adding money and late payments. Late on {$0.00} payment. Experian refuses to look at it. {$0.00} payments were made.

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 2020-04-17
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This issue started when my mortgage company XXXX, used my escrow account to pay my 2019 summer tax bill. 

My 2019 summer tax bill was paid normally from my escrow account in XXXX of 2019 for the amount of {$980.00}. The following day, XXXX paid an additional {$1500.00} to a separate and incorrect parcel number, using funds from my escrow account. This error caused my escrow account to be severely underfunded, XXXX then added an advance to cover this shortage. I then received a letter saying my mortgage amount would need to increase to cover these new escrow shortages. Based on the amount they had paid to an additional parcel number. 

Upon receiving the notice my mortgage had increased to cover the new escrow amount, I immediately contacted them in XXXX and informed them of the mistake. My city taxes were paid in full, and were the amount of {$980.00}. I supplied them documents from my city tax assessor supporting my claims, and was told that the problem would be fixed within two weeks. At this point I was told to wait, and they would let me know when it was all done. 

I did not hear from them, unless I called them. They had no answers for me, just that it was in process and would all be worked out within a few weeks. We continued to work with them and when our winter taxes came due in XXXX, the exact same issue occurred again, our city taxes were paid for winter in the amount of {$120.00}, then XXXX paid the same incorrect parcel number in the amount of {$200.00}. 

These continued mistakes have caused our mortgage to jump from {$450.00} to {$650.00}. We were told multiple times from XXXX to NOT pay, since the amount would be incorrectly allocated to our escrow, we were told to wait and pay once it had been worked out. The problem is, it has taken the over 6 months to work it out. This whole time they have continued to send us bills, debt collection notices, and foreclosure notices. 

This entire time if we didnt reach out the XXXX, we didn't hear from them. They seemed completely unable or unwilling to correct the problem after 6 months. 

Two weeks ago we were informed that XXXX had transferred our loan to a different company XXXX. XXXX will no longer talk to us at all, and the problem has not been resolved. 

XXXX has absolutely no information on our case, and we have had to start completely from the beginning with getting this resolved. We have received multiple notices of foreclosure, due to our not paying our bill ( As instructed by XXXX ). We are ready to get this current, but so far our escrow account is still incorrectly paying two different tax bills for two different parcel numbers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed via zelle. I reported the incident to XXXX and to my bank and neither is helping out. 
I was selling an item via XXXX XXXX. I received a note ( via the buyer ) on XXXX XXXX XXXX ( fradulent ) that i had to set up an account with XXXX  business before the transaction could happen. " XXXX '' requested money to set this up -- two separate times. By the time I realized it was a scam they were asking for a third payment ( I then realized it was not really XXXX XXXX. 

The total taken out of my account was {$550.00}

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 explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: WI
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 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX  Employer : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records : XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/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 Collecon : XXXX XXXX XXXX XXXXXXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, WI XXXX Public Records XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Name : XXXX XXXX XXXX Addresses XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Public Reocords : XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collectons : 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