BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-12
Company: CITIBANK, N.A.
State: AL
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 disputed this problem several times with XXXX XXXX XXXX and the three credit bureaus over the past year with no results. I had two credit cards with XXXX  XXXX that I let get behind, but when my finances got better a few months later I called XXXX XXXX and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with XXXX XXXX that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off 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 2020-08-16
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Following is a letter to the Mortgage Servicer, I ; m request to forward, with a brief explanation of the problem : XX/XX/XXXX To : Shellpoint XXXX. XXXX XXXX XXXX, SC XXXX Ref : Account No. XXXX. 
Dear Sir/Madam : On XX/XX/XXXX I received a communication informing that my monthly payment was increased. Through my lawyer, I rejected this increase, since it not came from a correct escrow analysis. I have continuing receiving statements with the same wrong figures, three months after that, and there has not been any action by Shellpoint to  correct it. But the issue has a long history, see the following : On XX/XX/XXXX I filed a complaint with CFPB number XXXX, regarding serious errors on the Escrow Analysis for XXXX. 
The response dated XXXX XXXX recognizes the error and, due the Mortgage servicing was transferred to Shellpoint on XX/XX/XXXX, the error was never been corrected. 
Note, that I received a letter informing the change, dated XX/XX/XXXX, almost 6 months after the change took effect. I expect the previous Mortgage Servicer had transfer the complete account, with all the archives and pending items. 
As a result, since then I have received monthly statements with the incorrect figures. 
Fortunately, The Taxes and Interest Report for XXXX had the correct numbers. 
On the Escrow Account there were enough funds to pay for Property Taxes and Homeowners Insurance by the end of XXXX, and after that the remaining balance was enough to keep the same monthly payments on XXXX. In addition, I requested to transfer the Unapplied Funds, that were at {$1200.00} by the end of XX/XX/XXXX, to the Escrow Account, to avoid any other increase on the monthly payments, since the reduction of the monthly payments for XXXX was due to the existing escrow funds from XXXX. 
Consequently, Im requesting the following : -Escrow analysis for XXXX and XXXX, with the correct figures. 
-Monthly Statements from XX/XX/XXXX through XX/XX/XXXX, with the correct figures. 
These must be done, as soon as possible, since the actual Mortgage Servicer, doesnt have the complete correct numbers, As I can see on the Monthly Statements, and in addition, the Interest Report I have received for XXXX doesnt indicate the correct amount. 
Last, but not least, I declared Bankruptcy Chapter XXXX, on XX/XX/XXXX. On XX/XX/XXXX, we signed off the Loan Modification, then after that I continued doing the monthly payments, on the amount as indicated. The amount paid on the statement is incorrect, since I have paid the Monthly payments, since XXXX, XXXX. 
Have a great day, thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 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 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.

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 2023-09-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to you today to address concerns regarding my credit report and request rectifications in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681b, 15 USC 1681c-1, and 15 USC 1681c-2 .

Pursuant to 15 USC 1681b - Permissible purposes of consumer reports, I would like to assert my rights to an accurate and up-to-date credit report. The FCRA stipulates that consumer reporting agencies, like yourselves, must ensure the accuracy of the information they provide. I have reviewed my credit report, and I believe that there are inaccuracies and discrepancies that need immediate attention.

Additionally, I wish to invoke 15 USC 1681c-1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts, and 15 USC 1681c-2 - Block of information resulting from identity theft. I believe that my personal information may have been compromised, leading to fraudulent activity on my credit report. To protect my credit profile and financial well-being, I have placed fraud alerts and actively monitored my accounts for any signs of identity theft. These actions have been taken in compliance with the FCRA, and I expect your cooperation in rectifying the inaccuracies stemming from any fraudulent activities. 

Furthermore, 15 USC 1681c-2 provides me with the right to request the blocking of information resulting from identity theft. As a victim of identity theft, I hereby request that you block any information on my credit report that has resulted from this criminal activity. It is crucial to my financial stability that these discrepancies are removed promptly. 

In light of the above, I kindly request that you investigate the inaccuracies on my credit report and take the necessary steps to rectify them as per the FCRA. I believe that once these issues are resolved, my credit report should reflect an above-excellent standing on all accounts, as it should accurately represent my creditworthiness and financial history. 

I understand that the FCRA requires consumer reporting agencies to investigate and respond to consumer disputes within a reasonable time frame. I request that you adhere to these legal obligations and provide me with written documentation of any actions taken in response to this request. 

Please acknowledge receipt of this letter and begin the investigation process as soon as possible. You may contact me at XXXX or XXXX for any further information or clarification you may require. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with federal law to ensure the accuracy and integrity of my credit report. 

Sincerely, XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

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

US DEPT OF EDUCATION XXXX Balance : {$4400.00} US DEPT OF EDUCATION XXXX Balance : {$9600.00}

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 2023-09-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally file a complaint regarding the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistent presence of these inaccuracies is causing me significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my creditworthiness and overall financial stability. I initially identified these discrepancies and have since made several diligent attempts to have them corrected through your organization. Regrettably, my efforts have not yielded any meaningful resolution. 

I initially submitted a dispute request to have these fraudulent items removed on [ Date ], providing all the necessary documentation and evidence to support their inaccuracy. To my disappointment, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score.

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-02-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Accounts was open with wells fargo n XXXX  XXXX XXXX by someone without my permission now im unable to start a account with any bank

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 2020-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I obtained an Auto Loan from XXXX XXXX XXXX XXXX in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of XXXX XXXX XXXX XXXX, my name was not on the vehicle title. As a result of such, several years ago, I was XXXX and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted XXXX XXXX XXXX XXXX, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, XXXX XXXX XXXX XXXX has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. XXXX XXXX XXXX XXXX reports Debt included in or discharged through Bankruptcy, which is incorrect. XXXX XXXX provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

XXXX XXXX has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.

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 2021-04-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had made an online debit payment to a payee on XX/XX/20 for {$50.00} that was deducted from my account but not cashed by the intended payee that I had set up with Citibank 's service. After months of written requests and phone calls, they were finally able to tell me who cashed my check and where it was deposited. But, they were unable to explain how someone was able to intercept this check, forge my signature ( although it was made payable to my pharmacy ) and deposit it at an ATM into their account. However with this information I was able to file a forgery report with the XXXX XXXX Police department. Now the detective handling this case has asked me to ask Citibank for the location of the ATM where the check was deposited so they can then subpoena the bank for the camera footage which could then help them with their investigation and possibly charge the offending person with an additional crime. So here we go again with the incredibly disrespectful treatment of Citibank 's customers. Something needs to change. I have made 7 phone calls to the Citibank Executive response unit and they do not even have the decency to return a phone call. I have been told the person now handling my case is XXXX and his phone number is XXXX. It seems they will only respond when a complaint is made with this agency. So, again I thank you for your help, but more needs to be done in regard to Citibank 's customer service.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
This letter aims to address some issues with the credit report that is currently being held in my name. Reviewing this report has revealed inconsistencies that demand immediate attention. After thorough examination, I discovered that some accounts require urgent attention to guarantee a true portrayal of the data. 

As a consumer who is familiar with the provisions of the Fair Credit Reporting Act ( FCRA ), you are aware that the law permits a request for an investigation into the credit report in the event that there are any disagreements regarding errors. 

Getting an accurate picture of the financial situation from the credit report is the main goal. In order to improve accuracy and fairness in the credit reporting system, these discrepancies should be addressed. It is anticipated that a resolution that is advantageous to all parties involved can be reached with your cooperation and compliance with the FCRA. 

We value your help in reviewing the errors in the credit report and correcting them, as well as your prompt reply. It would be fantastic if this dispute could be settled within the time frame required by law.

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 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello I wanted to sell a dress only which I had listed in XXXX XXXX for {$590.00}, I seen someone who you would think is a real person to my thought this fraudulent sick person made it seem so real, he sent me emails & it looked so real after me sending {$300.00} via XXXX, XXXX sometimes asks are you sure this come be a scam before sending something along those lines of course i wanted to sell the dress & i sent {$300.00} without knowing minutes later this man kept the money asked me for {$600.00} i said no & searched up the scammed which is daily XXXX scams online on XXXX XXXX who are scammers who hack into people accounts. Capital one Bank took 10 days to tell me my claim was DENIED .. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding is illegally collecting and reporting a debt on my consumer credit report.

On several occasions, I have reached out to this company to get this issue solved. I originally sent this company a request to provide documentation that they are, indeed, entitled to collect on this alleged debt. They were not able to provide complete documentation, for I have never done business with this organization. 

My initial communication was a cease and desist, followed by a billing error notice. On XXXX/XXXX/2022, I received a response from this company stating that my previous complaint " did not contain sufficient information to resolve this matter ''. 

Recently, this company has received another request for documentary evidence of their authority to collect on this debt. I have received no response to this date. 

I have attached all correspondence I have had with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
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:
XX/XX/XXXX my loan was transferred to new lender Fifth Third Bank ( FTB ). XX/XX/XXXX I spoke to a FTB rep and completed a hardship app via phone. During the call I was told I was approved and my payments for XXXX, XXXX, and XXXX would be pushed to the median of my loan XXXX. XX/XX/XXXX. I was informed that although I completed the hardship app via phone that I still needed to complete a written app. During this phone conversation I informed the rep that I already completed app and was told I was approved. XX/XX/XXXX, FTB started reporting negative infractions on my credit report. XX/XX/XXXX, I wrote FTB requesting to review phone call in XX/XX/XXXX of theyre Rep approving me via phone call. During this call I was informed I needed to send in more documents that at no point did they informed me to send. Last XXXX, FTB denied my hardship app stating I didnt turn in paperwork. I sent a letter XX/XX/XXXX requesting their receiving process because I sent in documents certified mail. I continued to write FTB XXXX XXXX XXXX. No response. My last letter I sent I informed them of intent to sue and that due to it being past 30 days without a response, my compliant was valid. I then received a written response back from Presidents office of them finally starting to investigate my situation. In XXXX, FTB presidents office denied my claim stating their reporting is correct. I wrote them again to request them review the recorded call ( XX/XX/XXXX ). XX/XX/XXXX, FTB response to the recorded call that occurred XX/XX/XXXX wasnt a approval. 

FTB is being dishonest to their consumers. I was approved via the call and thn told something completely different. Proceeded need to be updated

Company response to consumer: Closed with explanation