BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name is XXXX ; XXXX . The Agent for principal XXXX XXXX. On XX/XX/2023, a application was submitted for a credit card and a tender for collateral was received by your bank on behalf of the Principal. A adverse letter was sent saying the application was denied. So the question now, is where is the collateral your bank received? Because that security collateral has value equal to the amount applied for of the application. Please be advised, I am aware this is securities fraud. This has been a ongoing investigation for over 30 days. I trust that you will correct the wrongdoings of the unknown employee of your financial institution who took it upon themselves to defraud the securities. Please respond to this complaint with your name, job title and how long you have been working for Wells Fargo & Company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Notice To Intent Experian, Who gather, analyze and process data in ways others cant. We help individuals take financial control and access financial services, businesses make smarter decision and thrive, lenders lend more responsibly, and organizations prevent identity fraud and crime. Who empower consumers and clients to manage their data with confidence so they can maximize every opportunity. Experian who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Experian. In my case my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: LA
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 lawyers contacted Experian via certified mail on XX/XX/2022 to have unauthorized inquires removed from my credit report.

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 2021-01-26
Company: CITIBANK, N.A.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Citi Bank XXXX XXXX, XXXX, XXXX and XXXX  XXXX XXXX XXXX have inquiries that were not authorized reporting to my credit reports

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 2023-11-20
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Old Navy Barclays credit institution reported late payment to credit bureaus causing perfect credit score to decrease by significant amount.

Never had a delinquency with this company. Always paid full statement balance. 

XXXX Monthly/Scheduled Payment : {$30.00} XXXX Balance : {$180.00} 30 day delinquency reported on XX/XX/2023. 

This is devastating due to the fact that I'm in process of purchasing a new home and this will now affect my ability to obtain a mortgage.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX Last 4 of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$4000.00} with 1 month term XXXX and Transunion just show open account no status with no term balance XXXX National CREDIT system, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months account is reporting payment history each month when it should not since the account has been closed. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately Transunion shows no payment history within the last 24 months I am Also adding I have never signed a contract of one month with this creditor which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account

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 2021-06-24
Company: Experian Information Solutions Inc.
State: OK
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:
A incorrect balance was showing on my XXXX XXXX account beginning with XXXX on my credit report. I submitted a request to have my information be updated and corrected. Instead of my information being updated, the trade line was remove completely. I did not make the request and there was on reason why this should have been done. I reached out to XXXX XXXX to have this issue resolved with Experian and Experian refuses to correct this issue. I've provided Experian with documentation from XXXX XXXX stating that the information should have never been removed. It has been over a year and Experian still will not return my trade line. This trade line has never had a negative item related to it. Experian refusing to return my XXXX XXXX account does not make any sense.

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 2023-05-10
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Debt collector contacted me for the first time regarding eviction judgements sent over to them for collections. Immediately was threatening wage garnishment for 2 seperate judgement orders. When asked about the statute of limitations she just began threatening to renew the judgement in 10 yrs and saying i would not be able to challenge the wage garnishment order through the courts if i dont voluntarily pay. Never received any information regarding this debt before this first call made on XX/XX/XXXX. She gave an amount of debt ive never heard of before and continued to say they'd charge more in lawyer and court fees. The collection listed from XXXX is time-barred due to the debt collector attempting to collect XXXX past the statute of limitations for the state of arizona. The debt listed in XXXX would be time-barred in XXXX of XXXX for XXXX. 
US COLLECTION WEST IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This is a goodwill letter I sent to Affirm and was not granted an adjustment. 

I am writing this letter in regards to a loan I acquired two years ago through Affirm to purchase an air filter from XXXX. Unfortunately this was during the global lockdown due to COVID-19. I was unemployed and was unable to make two payments from XXXX XXXX, 2021 to XX/XX/ 2021. As soon as I was employed I paid off the full amount, 60 days past due. Understandably my credit score/ report was affected. It has made it very difficult to apply for a car loan or get a reasonable interest rate on a mortgage for a home. I would like to make a goodwill adjustment to your reporting to the three credit agencies ; XXXX, XXXX and XXXX. I have two late payments. Since then and prior to that, I've been an exceptional customer paying 9 different loans on time. Ive enjoyed being a customer with Affirm and would like to continue doing so. I hope that you will consider my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Notice To Intent Equifax, a global data, analytics, and technology company, who play an essential role in the economy by helping companies in diverse industries such as automotive, communications, utilities, financial services, XXXX, XXXX, insurance, mortgage, professional services, retail, XXXX, and government agencies, make critical decisions with greater confidence. Equifax who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Equifax. In my case, my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: AmeriCollect
State: MS
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  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a customer reporting Agency can not furnish a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2022-05-16
Company: EQUIFAX, 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 to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) 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 consumer reporting agency can not furnish an account without my written instruction and/or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus Inc. Is the servicer of my mortgage. I was late one payment but i caught up. They are trying to say i owe 2 months and late fees and im behind 3 minths on my mortgage. I called and spoke with a representative by the name of XXXX who said it was an error and i would get a corrected statement. Never recieved it. They sent loan modification papers via fedex why. Im not behind. Called again spoke to XXXX XXXX stated that sorry was an error would get a stated showing corrected amount by XX/XX/XXXX. Never happened asked to speak with a supervisor was never given the opportunity but said supervisor XXXX XXXX would contact me never happen. But i recieved an intent to forclose on XX/XX/XXXX. Why my payments are up to date. Please 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 explanation
Consumer complaint received 2022-07-06
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also stated 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 2023-11-20
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for a Citi XXXX card, principally because I had to make a large purchase in the following two weeks, and they were advertising a sign-up bonus in exchange for adding {$4000.00} to the account balance in the first two months. But they did not disclose an annual membership fee at sign-up. 

That card never arrived. Citi did however immediately begin sending me bills for the annual membership fee, and within a month, another additional {$40.00} late fee bill. 

On XX/XX/XXXX I called again to let them know the card had never arrived, and that I would be hugely inconvenienced if I did not have it on hand to make the large purchase for which I had signed up. The representative said they would send another one immediately, which also failed to arrive. 

I began to receive paper bills and automatic " this is an attempt to collect a debt '' calls. So on XX/XX/XXXX I called again, and explained I believed their marketing practices were illegal, that I would be unable to use the card and its promotional value, and that I needed to close the account and would file a complaint with XXXX. The representative offered to extend the promotion for six months, to cancel the late fee and the membership fee, and said Citi would call me back within a week to confirm. They also offered to overnight the new card to me. That card finally arrived, but I didn't activate it, waiting to hear back about the new promotional terms. But the debt collection calls related to a past due fee have also continued. 

So on XX/XX/XXXX I called again, and the representative said she had no record of another representative having extended a promotional offer or of offering to cancel the membership fee. I am still being billed for a membership fee for a card I never even activated. I assume this could negatively impact my credit, since I refuse to pay for a card I never even activated. The representatives kept me on the phone for over an hour, transferring me to different departments to try to convince me not to cancel my account, and I was unable to get them to cancel the {$95.00} membership fee or to close my account.

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 monetary relief
Consumer complaint received 2022-09-11
Company: Resurgent Capital Services L.P.
State: IL
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 am reaching out in regards to my my payment history. I would like to update it with late payments removed. The reason being is because these reports on my consumer report are causing me extreme stress. I am stressed because its not supposed to be there also making it hard for me to network. I seriously dont appreciate this. This is literally causing me hardship, these illegal practices being done! Late payments are literally illegal, Billing Error 15 U.S code 1666b. I would like to demand these be removed. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I discovered that some of the information and inquiries on my credit report were incorrect when I reviewed it. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Here is the list of unknown items that must be deleted : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is to notify the CFBP that there is and are at least 2 FTC Cases against LVNV Funding LLC and Resurgent Captial services. For these companies attempting to defraud myself and extort money that was paid in full for reference ID XXXX. I have attached a copy of the FTC complaint.

Company response to consumer: Closed with explanation