BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: CITIBANK, N.A.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have attached the emails and bank deposits along with the banks schedule of my XXXX XXXX XXXX account. 

There was {$160000.00} in existing client trust funds which had been in my account and collected. 

I received the first cashiers check via XXXX XXXX ( see copies ) on XX/XX/XXXX which I deposited per the Sellers instructions ( all in the e-mails attached ) I forwarded the entire email string to XXXX at XXXX and per the email instructions we wired {$90000.00} to the directed Citibank in MD. 
Per the XXXX and executed representation agreement, I transferred {$2500.00} to my operating account. 
On XX/XX/XXXX, I received a second cashiers check via XXXX XXXX drawn on the same bank ( in pdf ), I went down to XXXX that morning and per instructions wired {$97000.00} to the same Citibank MD account as before. The wire was instituted the same morning I deposited the cashiers check. The title to the Citibank XXXX was XXXX XXXX XXXX. 
I called XXXX XXXX and left a voice mail on Wednesday XX/XX/XXXX telling him I was feeling weird about the wire transfers On XX/XX/XXXX, the bank debit the first cashiers check for XXXX when it was returned uncollectible. XXXX never verified the funds were good before wiring same even after the voice mail to XXXX. 
On XX/XX/XXXX, when the bank discovered the first cashiers check was bad, they stopped payment and debit the second deposit out of my account as pending uncollectible because they knew there was fraud. 
I met with XXXX, the fraud lady at XXXX and she instituted a XXXX recall from Citibank in MD. 
We also met with the XXXX XXXX and filled out a police report. XXXX XXXX XXXX XXXX white collar crime on XX/XX/XXXX. XXXX XXXX XXXX XXXX The banks general counsel ( I talked to him this week ) is XXXX XXXX XXXX. His email is XXXX. 
The bank is denying any responsibility for the problem although XXXX ( wire transfers ) asked me afterwards how I received the checks and I told her XXXX and she said she could have told me that was a scam. 
I have attached data from the NJ law firm that was scammed by Citibank transactions to XXXX. 
XXXX ( XXXX XXXX told me the funds had been wired to Citibank to XXXX XXXX in XXXX. 
I have filed reports with the FBI, FTC, FBI, OSBI and the FDIC. 
I have attempted to contact the NJ law firm several times. No return call. 

XXXX knew or should have know there were scams and they wired uncollected funds without verifying their authenticity the same day the were deposited ( on the second wire

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 2023-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX credit card company issued three separate credit card accounts using my personal identity information. I have never applied for credit through this creditor. This is a clear identity theft issue, because someone is actively using my personal information to obtain credit goods. I have never shared my personal information with anyone that is close to me. 
I made a proper request to the credit reporting agencies to remove these false accounts from my credit report. Also, I expected them to open a proper validation process with these accounts, but the information of validation was never shared. 
I expect the credit reporting agencies and the creditor to share necessary information with me. 

A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account The list of fraudulent accounts is listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: SC
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 following inquiries are fraudulent accoding to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-03-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX : {$720.00} XXXX & XXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$4700.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$260.00XXXX XXXX XXXX XXXX XXXX  : {$240.00} XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX  {$720.00} XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: MI
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 have a Michigan XXXX XXXX XXXX account that was a personal loan for {$300.00} that I paid off in full and its showing potential negative on my XXXX report as well as a XXXX XXXX credit card that I paid off of balance of {$440.00}. I would like those two items corrected or removed off my credit report please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a debt that is not mine on my credit report. When I called to tell them that the debt is being disputed, they said they already know about the dispute, and that they already have the account flagged as a dispute and set to " Do Not Call ''. However, they are continuing to make a negative credit report. 

The person on the phone told me the company can continue to report disputed debts to the credit reporting agency as long as the dispute was noted with the reporting. However, there is no dispute noted with my negative credit reporting. In fact, it shows the company updated the negative credit reporting as recently as XX/XX/2022. 

I've retained an attorney who will soon be filing a civil suit on my behalf, however, I need these illegal collection tactics to cease immediately. 

The company should accept this complaint as a notice of imminent litigation, and they should preserve any evidence related to these claims, including records of my previous dispute, and copies of any call recordings, including the one which just occurred, where their employee acknowledged that the company knows my debt was previously disputed but they are credit reporting it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Due to the Covid-19 Pandemic, I was told by the Governor to stay at home. My place of business of 20 years was closed and I has no income coming in. I contacted Fay Servicing and explained that I was affected by the pandemic and that I could not pay my mortgage. Fay Servicing advised me that I had been approved for a forbearance and that my account would not reflect any late payment and of late payments being reported to the credit bureaus. At the end of my forbearance period ( 18 months ), I was told by Fay Servicing that I had to pay the entire amount due or they investors would foreclose on me. I tried to get a modification several times, and Fay Servicing kept delaying the process, loosing my paperwork, conveying false information and not following through with the modification guidelines. I attended medication and Attorney XXXX lied to the Administration Hearing Judge and told him that I only needed one more document, and that my file was prepared to go to underwriting. 
The next week Fay Servicing switched up on me and said that I had to complete a new package and that their client was moving towards foreclosure. I retained an Attorney, and a modification was offered to me but, it was so aweful, I opt to decline. 
My loan interest would go from XXXX to 7 %, I would start over at 40 months, balloon payment {$400000.00} monthly payment would increase by about {$2000.00} and month. I couldn't afford that. Please call me to discuss I'm about to time out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This account is paid for by checks sent in mail. In XXXX of XXXX my payment was lost, knowing that I sent it on time along with all my other bills I contacted customer service about the issue on XX/XX/XXXX. On that day they told me that they would look for the check and submit a request to waive the late fee as it was not my fault, I paid all missing payments over the phone in order to avoid marking my credit. The check was later found and the late fee was removed. This occurred again in XXXX of XXXX where my check was lost, I contacted XXXX with customer service on XX/XX/XXXX who advised me to pay the previous months payment as well as the current due amount online in order to avoid scarring my credit, and stated that they would look for the check as well as request to waive the late fee again. They found the check and applied it to my account on XX/XX/XXXX, which in total took 3 months worth of payments from me in one month, again. The second request to waive the late fees have been repeatedly denied as they stated the first one was a courtesy, even though I sent no payments late and they accepted fault and found the missing checks both times. On XX/XX/XXXX I took the issue to management when I spoke to XXXX XXXX, a customer service supervisor, who again stated that my request was denied as the first one was a courtesy, she told me there was nobody else to speak to who could resolve the issue and all she could do for me was submit another request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that XXXX XXXX, XXXX, CA, had sent my late husband to collections for {$280.00}, date of service XXXX XX/XX/XXXX, apparently for XX/XX/XXXX testing, which doesn't make sense to me. Since then I have received one more phone call plus three apparent hang-ups. To date I have never received even a bill from XXXX XXXX. Then I received a bill from XXXXMediCredit stating that the Creditor is XXXX XXXX XXXX XXXX -- no XXXX XXXX account number given, no detailed description of services rendered, and no date of service. I sent a letter dated XXXX XX/XX/XXXX, to MediCredit disputing the validity of their claim -- they sent eight pages of his personal information ( where is HIPA ) with no explanation for the {$280.00}. I contacted XXXX XXXX XXXX XXXX Billing myself, and was provided a billing statement that all accounts have XXXX balance, and that my late husband does not owe any bills to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has never once sent a bill to us requesting payment nor have they ever sent me a demand letter for payment. I have received a second bill ( undated ) from MediCredit. On XXXX XX/XX/XXXX, I sent another letter to them, provided the {$0.00} balance statement, and informed them that I would be filing a complaint with the FTC/CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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
Consumer complaint received 2021-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My XXXX  card from Bank of America for California XXXX XXXX was stolen and being used before I received it. I have never received a card. Per BOA, it has been processed XXXX sent XXXX on XX/XX/XXXX, activated on XX/XX/XXXX and started being used on XX/XX/XXXX ( total of {$5000.00}, 5 different occasions XXXX via ATM. I filed claim to BOA for full reimbursement and filed to XXXX XXXX Police department for Identity theft and forgery and today, XX/XX/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 2023-04-19
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've requested that Transunion remove an item on my credit report that does not belong to me. It has been posted from a collection agency. I requested they validate this debt as mine. They sent me a credit report showing it has been verified as accurate. But has provided no validation of this acct belonging to me.

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 2023-10-02
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Hi my name is XXXX XXXX and I just sold my home in XXXX the loan was with Lake View and I was working with XXXX. I started working with XXXX back in XXXX and he told me that I will have to sell my home in XXXX  in order to purchase in XXXX XXXX due to a job change. So I sold my home and applied I met the credit requirements and he denied me for DTI ( debt to income ). He did not even try to assist me but ask for the home disclosure from the sale of my home in XXXX. He flat out lied because I have just closed on a new home XX/XX/2023 with a different lender. If I did not have the mind to apply with a different company I would have been homeless. My issue is they had me to sale my home and did not follow through with my new mortgage at the last minute.

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 2023-03-11
Company: EQUIFAX, 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:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief