BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
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 status incorrect

Complaint:
Hello I have a secured credit card from XXXX bank ( XXXX XXXX ) with {$200.00} credit limit. 
I opened this account on XXXX/XXXX/2022. 
Recently I lost my physical credit card and called to the bank to ask them to send me a new card. 
After that all three bureaus have changed the account status to closed, but actually I just reported the card was stolen or missing. 
I still have available credit limit and status of the account is current.

My credit age now is 0 months and account balance is XXXX  also. 
I would like to ask to correct this information Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Elevate Recoveries, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have recently contacted this company and inform the that the debt that they say i owe is not mines i also have sent letters out saying this debt is not mines i need this debt remove from my credit report ASAP if this continue i will have to use legal action and i dont want this to go that far please contact all credit bureaus and like them know the debt is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: WELLS FARGO & COMPANY
State: VT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo Line Of Business Escalated Complaints Acknowledgement & Case Manager Introduction Thu, XX/XX/2020 XXXX XXXX ( XXXX XXXX To : you Details Dear XXXX XXXX, We wanted to let you know that we have received your inquiry, and our research team expects to provide you with a resolution within 10 business days from XX/XX/2020. 

As part of researching your concerns, we may be reaching out to get more information but were here to help with any questions you have along the way. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, we can be reached at XXXX from Monday through Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX Mountain Time. 

For reference, your case number is XXXX Thank you. 
We appreciate your business. 

Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC I have made several phne calls to Wells Fargo and tried to resolve the issue. They do not call me back and do not even email me. I was hung up on a call today XX/XX/2020. I have a XXXX retirement account with Wells Fargo and attempted to set up an online account to access it. The person who originally set up account was ok. My quarterly by mail paperwork that comes from Wells Fargo Retirement Services suggested to open an online account to access up to date information on this account. I did so. It also talked about 2 step authentication for added security. When I attempted to set up 2 step authentication my account got locked.It has been 3 weeks and employees at Wells Fargo I have spoken to do not know how to fix problem. They tell me I must visit a branch to resolve issue. I worked for XXXX and they have hundreds of employees all over XXXX XXXX in states with no Wells Fargo Banks. Are all of us not going to be able to access our accounts online? All I asked them to do is unlock account and help get 2 step authentication set up and they don't seem or are unwilling to do so. This is the worst bank I have ever dealt with in 40years of banking. They have very unprofessional and ignorant people who can not properly give excellent customer service. They closed my last case above saying I need to go to a branch to get it resolved.Lowes should consider replacing Wells Fargo as there Retirement Account Manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2021-03-08
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I digitally transferred funds from my PNC checking account to another bank. The funds were credited to my account at the other bank but later returned to PNC because the other bank couldnt read the check. In the interim I closed my PNC account so there was no open account to receive the funds at PNC. Instead PNC stated ( on a recorded line ) that they would be mailing the check to me directly. They have not done so. It has been several weeks, and I have called them many times. Ive been told repeatedly that I needed to talk with somebody else or a different department, but nobody ever calls me back. I just want my money to be sent to me now. That shouldnt be too difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need to dispute the accuracy of an account on my credit report. The account in question is with XXXX XXXX XXXX and has an account number of XXXX. It was opened on XXXX XXXX XXXX  and has a balance of {$0.00}. After reviewing my credit report, I noticed that there isn't sufficient evidence to confirm the validity of this account. The information provided is vague and doesn't give enough details for me to verify its accuracy. As per the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this account from my credit report since there isn't enough evidence to support its existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 reviewed my consumer reports and noticed that I had XXXX late payments on this account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxima accuracy. I have never been late on a payment for the the account that I have included screen shot inside this company in on date of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these statement to be update to paid as agreed on this time as they should be due to the fact In was never late. Thanks. Please see screenshots attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It is very important that the CFPB enforces 15 USC 6805 as it is the given to them by Congress to enforce the aforementioned. 

XXXX has been notified by me on several occasions to update my consumer credit report with the proper information with respect to the consumer. It is my hope that swift attention is brought to this matter ASAP. 

In XX/XX/2023, I informed XXXX of errors on my credit report. However, they have not properly updated my report. 

In XX/XX/2023 the I was notified by the IRS of cancellation of debt from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

XXXX is still reporting charge offs to my report. However, a charge off is considered a certificate of indebtedness which is income and income can not be reported on a CREDIT report. 

I ask that the CFPB enforces this so that XXXX can correct this terrible error for once and for all.

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 2021-10-26
Company: Flagstar Bank, N.A.
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Monday XX/XX/XXXX, I emailed per their guidelines a one time {$1200.00} abatement statement from our tax department. Our taxes annually for the XXXX XXXX year were approximately {$10000.00} prior to this abatement. Flagstar stated that if they had questions or needed follow up information they would reach out. We heard Nothing. 


On XX/XX/XXXX we received a new escrow analysis that they had instead LOWERED our entire taxes to {$2100.00}, or the tax abatement x 2. This significantly affected our payment as you can imagine. And if their employee would have just actually read the statement it would have been completed correctly.

Since that day I have no less than called 10 times to have this situation corrected and as of today XX/XX/XXXX I have been called " irate '' in their notes as well as likely other things and the situation remains the same. Most recently I have been told the new escrow statement has been issued but won't show up online for days and they're still unsure how this will effect the payment. Additionally, they issued a refund of an obvious overage from the XX/XX/XXXX analysis and my XXXX payment is coming due which is likely creating a clear under value in the account. 

They have been nothing but misunderstanding of the entire situation. They have admitted to not following protocol SEVERAL times. They stated that they always check with the county ( in our case city ) to confirm the tax amount before abatements are processed. But, if that was true, then how did ~ {$8000.00} in taxes go missing. They have blamed this entire situation on their XXXX XXXX, however, since they are the servicer of the mortgage it truly falls on them. As a industry professional I was understanding of this for the first couple weeks, but we are now a month in and we still have no resolution and no help from Flagstar.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a personal issue that caused me some life disruption, leading to the the account to which my auto-pay was connected to run empty and thus I missed my timely minimum payment. I quickly noticed the error ( more than XXXX week, but less than XXXX days ), made the payment from another bank account, and set the new bank account to auto-pay to ensure I didn't let this happen again. Or to reduce the chances, let 's say, because mistakes happen -- right?! We still believe that, that mistakes happen, right?! 

Citi closed my account. With no other explanation. They sent me a letter that said they periodically review accounts, and since I recently made a late payment, my account was closed. I called them, and they said if the letter doesn't contain options for reopening the account then there is no option/offer to reopen the account. 

Now I've been a " good customer '' of theirs, paid plenty in interest over the years, so I don't even understand their business motivation, much less whether and how this is legal. I don't recall ever being late on a payment previously. I often pay the balance each month but lately I've been carrying a balance for them to charge interest on, so I don't see what they are thinking. I have good credit over XXXX and you don't get that if you're late all the time. 

I do have two theories as to what may be going on and they are quite opposite one another. 1, to explain the overreaction and too abrupt a response, perhaps it's inadequately monitored algorithms moving so quickly they are cutting of Citi 's nose despite Citi 's face ( and customers ). If it's not algos run amok, perhaps the card issuers collude to keep consumers in unfair terms and prevent consumers from playing the issuers off of each other with sudden disruptions. I did just recently do a large balance transfer from Citi to a 0 % rate card; did that anger them and is that the real reason they closed my account? 

If this is legal, it shouldn't be. I feel like Citi has more obligation than this to its customers, or it should have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : ( XXXX XXXX XXXX  ) Account # : ( XXXX ), [ Account name : XXXX Account # : XXXX ], ( Account name : XXXX XXXX XXXX Account # { XXXX }, [ Account name : XXXX XXXX XXXX Account # : { XXXX } has violated my rights. 15 U.S.C 1611has violated my rights. 15 U.S.C 1681 section 602 A. States 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 1681c, ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also I keep getting denied credit by XXXX XXXX, XXXX XXXX, and a couple of others because of this. How rude... Given the fact that the entire transaction is predicated on my unlimited credit. How rude? Well title 15 subsection 1611 False and misleading denial of of my own credit. I would like to speak with the underwriter and give them this code also. I would like a listing of all the factors that were involved in this consumer transaction. This is not a credit transaction. It was a CONSUMER because I wanted to access a portion of my unlimited credit. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. My phone number to reach me is ( XXXX ) XXXX. I filed this plenty of times and nothing changed. Do I need to speak with someone else. I Would like this info taken down immediately. Thanks for taking the time to read my complaint. Hopefully this will get resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

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  Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with XXXX XXXX that has been closed since 2017. I checked my credit reports and noticed that they are reporting that I am 30 days late on this account. I contacted the credit bureaus and they failed to fix the issue. I also reached out to XXXX XXXX and they too failed to fix it and sends me the same letter over and over again. This is stressing me out because the late is being re-reported each month and won't go away and the account has been closed for 6 years. I am consulting with a consumer rights attorney on this because the bureaus won't fix the issue.

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 2019-07-01
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent dispute letters for the inaccurate account s to be removed from my credit report on XX/XX/2019, XX/XX/2019, and XX/XX/2019. However they never sent me documents to show me how they verified the accounts per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and the have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Bread Financial Holdings, Inc.
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told them that I would have the account paid off, and that I wanted my account closed. I did not want to get the card in the first place. But while I was purchasing a camper at XXXX XXXX in XXXX XXXX SD, they made it seem as though I could not make purchases without having a XXXX XXXX XXXX from Comenity Capital Bank. I made purchases with the card, but they treat it like a bill, instead of letting the debt roll over to the following month, they call me about 8 times a day and hang up every time I answer. And they shut down the card, so you can not use the card unless you pay the minimum payment. I was called 8 times on XX/XX/XXXX, I was called 7 times on XX/XX/XXXX. I was texted as well on the XXXX, so that makes 8 attempts to contact me. Today, XX/XX/XXXX, I was called once every hour, when I answered they would hang up. I finally got an answer from an XXXX XXXX  named XXXX, I told her that they are harassing me, and that I wanted my account closed. She kept interrupting to tell me that I could pay the bill. I told her like I told the first person who called, that I will have the debt paid off on the XXXX  and that I wanted my account closed with them. They use " This will damage your credit if you close the account '' as if that justifies them to be the way they are and ignoring my request to close the account. I do not see an easy way to close my account on their website Comenity.net. Which is now breadfinancial I guess. The company seems very shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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