BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am closing my account with Wells Fargo remotely from the XXXX as I am no longer in the XXXX. 
To do this I filled in their Account Closure form which was notorised and apostilled and tracked mailed to XXXX which they received XX/XX/XXXX. 
Having heard nothing I phoned on XX/XX/XXXX XXXX minutes, XX/XX/XXXX minutes, XX/XX/XXXX again XXXX, XX/XX/XXXX mins, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. 
All these calls I was put on hold and sometimes I got a customer services receptionist who said it I had to get through to the Exception Payments department. I spoke to them twice and they said they were very busy but the last call was the one where I was told that as I hadnt given the IBAN or SWIFT XXXX that was what was causing the hold up. No one asked for that in any calls prior. 
They got the information on that call ( XX/XX/XXXX ) and said that as they were very busy it would take another 2 weeks or so when they would call me in accordance with XXXX regulations. 
Having heard nothing since, I appeal for your assistance.

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 2018-04-26
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX Equifax responded to my CFPB complaint stating that XXXX # XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX have all been verified.

Ive informed Equifax numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Equifax.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Equifax copies of the application, agreements with my signature. I respectfully request that Equifax open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, XXXX XXXX XXXX # XXXX, was also included in my previous disputes, but as noted in Equifaxs response to my CFPB complaint, it was removed because they were unable to verify the account, and they were unable to provide me with the proof that I requested.

OnXX/XX/XXXX I purchased a copy of my Equifax report and discovered that the previously deleted account ( XXXX XXXX XXXX  # XXXX ) was reinserted into my credit report.

As outlined in the FCRA, Equifax is required to notify me within five ( 5 ) days of reinserting a previously deleted item. At no time did I receive said notification.

This is a violation of FCRA 611.

Please delete the above-mentioned account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i need to get XXXX XXXX to cottect their files it shows XXXX XXXX XXXX XXXX XXXX late when real payments dont reflect that look at included files

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX BARCLAYS BANK CREDIT INQUIRY ON MY XXXX CREDIT REPORT I NEVER GANE THEM AUTHORIZATION

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 2018-01-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX my auto loan provider titled XXXX XXXX XXXX charged me twice for my car payment they were not supposed to cash the check sent because I sent them an automated payment on XX/XX/XXXX. I spoke with a representative from the claims department on XX/XX/XXXX to try and stop the check from going through however it was too late and they instructed me to contact my auto loan provider to seek out a reimbursement. Through much tribulation I received a reimbursement thanks to your company. I called back twice on XX/XX/XXXX at XXXX and also at XXXX to talk about the overdraft fees and they told me once the reimbursement came then they would wave the fees due to the double payment. I then received the check from XXXX XXXX XXXX and deposited it. I called Chase bank to once again talk about the over draft fees at XXXX. The representative reassured me that once the check had cleared they would take care of the overdraft fees automatically and it would take 24 to 48 hours for the credit to post. I then checked my account today and still no credit was given so I again called to see what was going on at XXXX I spoke with a claims representative and this time she said they could not take care of the fees. I asked her why I had been informed 3 times before they would be taken care of and now they are unable to process the refund. I am a single mother going to school and can not afford to pay for these companies mistakes. I would have asked the company to reimburse the fees if I knew my bank would not have. I would like to know why 3 times I was reassured they would be taken care of and now they are not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My American Express Bluebird card account was stolen and all the money in my account was used to make purchases. I reported this to American Express, and submitted the Declaration of Fraud, and called them, and they refuse to recognize that my account was stolen..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had an account show up on my credit report from Enhanced Recovery Compan, in the amount of {$1300.00} from Original Creditor XXXX XXXX I have never had an account with XXXX and this debt is not mine. The following is all the information found on my credit report. This same account has shown up on my credit report from another creditor call XXXXXXXX not sure when it was switched to ERC, but I have tried disputing through XXXX XXXX, but it is still on my report. 

Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Opened : XXXX XXXX XXXX ( 4 mos ) Account status : Open Type : Collection Account Responsibility : Individual Remarks : Placed for collection Original Creditor Name : XXXX XXXX XXXX Closed : No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, 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 recently viewed my consumer report and realized that there are some unauthorized inquiries on my report.I never initiated those inquiries and never gave any person permissible purpose to pull my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking at my credit report I noticed there was a account I never opened was at XXXX in XXXX  I was unployd at that time was only getting XXXX a week in unployment and being a single mom I would not spend that much on a device or what ever it is I don't have any kind detail about this charge or even what it is I have disputed this several time and they keep saying it right I stand firm on it not being my account for primary fact I pretty much had to revise my credit report I had to disputed several address that I never live at and a phone number that never belong to me. On my credit report I had 110 identity alerts I got to looking at the site there somebody going by XXXX XXXX XXXX same age and live in same town not sure how I get this taking care of this person showing up as my identity but I would greatly appreciated if you guys would look further into my credit report that XXXX bill is not mind

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX & XXXX XXXX Balance {$0.00} XXXX & XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2023-01-06
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am to complaining about Bank of America 's response to my previous complaint XXXX. 
The company 's response is not accurate. They statement about body build type and hair XXXX match is weak and insufficient. What's the specifications? Do they even know how I look like? Have they sent the videos about the illegal withdraws along with my characteristics to CFPB? I would like to see them myself. I firmly say that they company 's response is fraudulent along with those withdraws. 

I had called XXXX XXXX numerous times and left numerous messages. The company has NEVER returned none of those calls or followed up with me. I will be glad to send a detail statement from my mobile company provider to prove all my efforts. I was robbed! Bank of America does not only lacks on service security, client protection, but are also inefficient to resolve clients ' issues. The first reported illegal withdrawal was in XXXX, over 10 months ago. After months trying to solve the issue untunefully with the company, I filed a complaint wit CFPB on XX/XX/XXXX, and they had only responded almost 6 months after, today XX/XX/2020 with a weak statement that doesn't prove anything.

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 2021-05-31
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was double charged for a purchase on my credit card after also paying for the item with a XXXX gift card. The total amount of the purchase was {$160.00} and paid with {$150.00} gift card and the remaining {$12.00} on my credit card. However, XXXX took the money off the gift card and charged my credit card. 

I contacted XXXX and they said they would reverse the extra credit card charges, but didn't reverse them. Then I submitted a dispute to Citi Cards sending all the receipts and correspondence with XXXX to the credit card company. This includes e-mails from XXXX stating the charges were in error. Citi cards denied my dispute even though XXXX didn't provide any evidence to them about the double charges ( only shipping information on the purchase ). Citi cards said could continue escalate the dispute if I sent them all the information I already sent them again, which I have escalated but shouldn't have had to resend.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: MO
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: Didn't receive services that were advertised

Complaint:
I am filing this complaint against Experian. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified 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 2021-12-04
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent Aargon Collection Agency also known as Aargon Agency , Inc. a letter asking them to show me a legally binding contractual obligation to pay them an alleged debt in the amount of {$1000.00}. Aargon Collection Agency did not respond to my letter and has not provided any proof to their claim that I owe them the alleged amount. I sent them another letter today certified mail. I am a consumer and I know my rights. Aargon Collection Agency is ruining my reputation by furnishing this data to XXXX. XXXX is the only reporting agency to have this account listed because the other reporting agencies know that this account should not be reporting to any of my consumer 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 2023-10-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After working diligently with Penny Mac, I was finally approved for a special forbearance in XX/XX/2023. They told me it would be retroactive and cover XXXX through XX/XX/2023. However, upon checking my credit report, it is not and my report shows I am behind on my loan despite their being a special forbearance. Today ( XX/XX/2023 ) I received a letter from Penny Mac stating they were removing me from my special forbearance plan for default of payment and " breach. '' When I called Penny Mac I spoke with a woman named XXXX who works in the escalation department. She told me that I was removed from my plan because I had not had a " monthly check in. '' She stated that they had tried to contact me and that my phone had been disconnected although it has not been. I even stated such and told her that if she looked at her caller ID it would show the number they have on record. When I asked her what number they called from as I was looking at my phone bill, she refused to give me that information as well. She then stated they had tried to call me on two other numbers, one of which was an old personal number, and one that was a previous employer from four years ago. I explained to her that I had not received any phone calls or emails from Penny Mac stating they were trying to contact me despite them having my current information. She told me that she would help me get back on the forbearance plan but that I would have to fill out the application yet again. I then asked her for her last name, and she told me she would not give me that information. I explained to her that I needed to know her name so that I could reference our phone call in the future or that I may need to contact her again. She again became hostile and stated she would not give me that information. When I told her that I knew she was being deceptive as I have talked to others who provided that information and began stating names of people in her department she said " fine '' and hung up on me. She did not help me through the forbearance paperwork nor did she send me a link to the forbearance paperwork in my email like she stated she would. I believe that Penny Mac is being predatory as they know I am injured and had to have major XXXX in XXXX.

Company response to consumer: Closed with explanation