BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a certified letter in the mail from Credit International Corp stating that a judgement was put in place to begin wage garnishment for a 9 year old debt I did not know existed. 

In XXXX a court hearing was scheduled for a matter I believed the plaintiff and I had settled out of court. Unbeknownst to me, the plaintiff pursued the legal matter without my knowledge. In 9 years I was never notified of the judgement against me.

Until I received the letter on XX/XX/XXXX, this agency ( who confirmed has had this debt since XXXX ) has not sent me a single letter or attempted to contact me in any way. I have sent proof that I was led to believe the matter was settled out of court with no response. On XX/XX/XXXX, my wife called the company and spoke with an agent and explained that I was never notified of the debt and wanted to stop the wage garnishment. She was told that the garnishment can not be stopped once it is in motion, and was told that since they were contracted to collect the debt only one attempt was made to notify me of the debt via a letter sent to my parents house.

I have had the same phone number for nearly 15 years. My parents do have a valid address for me, but they did not ever receive any correspondence for me. I feel more than one attempt in 7 years should me made and that I should have been properly notified of the judgement from the beginning 9 years ago when I have believed this entire time the matter had been privately settled.

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 2023-05-03
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My mother, XXXX XXXX XXXX XXXX ( the Borrower ) passed away in XXXX, 2023, with a reverse mortgage on her home. The lender is REVERSE MORTGAGE SOLUTIONS and the servicer that we have been dealing with is PHH MORTGAGE. We wanted to pay off the mortgage because the interest rate was high. We requested a payoff but never received it. We were able though to get the house under contract rather quickly so decided not to continue to pursue the payoff further but to instead pay the loan off at closing. The lender has been incredibly slow giving us the payoff and I and the closing law firm 's paralegals have been placing numerous calls in an effort to get the payoff. I learned on the phone today that the reason it takes them so long is that there procedure is that before giving a payoff they order an appraisal on the house -- THE COST OF WHICH IS CHARGED TO THE LOAN!!! There is not reason for an appraisal. We are asking for a payoff, not a loan write down. So, in the end we will be CHARGED OVER {$1000.00} TO RECEIVE A PAYOFF! This is unconscionable. Also, they told me that you must order a payoff for a date certain, which means to be on the safe side you must order it for at least two weeks out and overpay if the closing occurs before the date of the payoff. They then take 90 days to give you your money back! This must be illegal lender arbitrage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, 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 2023-05-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient charges me late fees even though I am on a IBR program and have been for years. Every time I pay their " late fees '' they repopulate and I have to pay more. The " late fees '' are more than my repayment plan. I have pushed and pushed and they continue to charge the so called late fees no matter how many times I pay them. My IBR payments are due on or before the XXXX of the month. I have made three payments to them this month and more and more fees generate. They say they are justified and I can do nothing to stop them from taking advantage of me and draining my financial situation until I have no money to even buy groceries. This is exhausting mentally and financially. I should not have to choose between feeding my family and paying back loans that were taken to better my life. The degree was worthless from XXXX and Sally Mae ( Navient ) pushed me into forbearance instead of better options. My loans are three times the amount I actually took out. Please stop them from charging these ridiculous fees. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The opening bonus in the advertisement said 10 transaction in 60days. But it didn't clearly state what transactions qualify. In the website, it didn't show either which transactions are qualified transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was going over my credit report when I noticed a item that was not autorized and I would like it to be removed. 
XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XX/XX/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 2023-01-17
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XXXX, I purchased some XXXX XXXX Gift Cards from XXXX. Sometime between XXXX XXXX XXXX I tried to use them, but I was unable to use the cards. I found that the cards were compromised even before I purchased them. This company told me to FAX a copy of my ID, copies of the receipts and copies of the both front and back of the compromised gift cards. I sent the FAX on XXXX. 

The company acknowledged they received my FAX, however, they said the copy of my ID was illegible, so I have to send FAX again. I had to spend {$8.00} at XXXX to send FAX. I now have to spend more to get this problem solved. If I was at fault, I'm OK with that, but this company was the one who sold me the compromised card. These compromised cards should have been blocked and should have never been activated to begin with. In addition, I've called XXXX several times and talking to the customer service was hassle every time.

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 2023-01-18
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-29
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
CBNA/XXXX  XX/XX/2021 The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX XXXX not unauthorized 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 2022-10-31
Company: Experian Information Solutions Inc.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 2022-10-31
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian 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 Experian is 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 delete the item from my file in accordance with paragraph ( XXXX ), 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8100.00}, anXXXX 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 2023-05-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
Wells Fargo bank claims it provided cashiers check payable to me for CPI payments nearly 2 years ago and continues to ignore facts such as bank sent a check to a wrong address where individual residing girlfriend actually worked at the bank, Wells Fargo employee XXXX stated on recorded line check was cashed, it is clear I am a victim of fraud including identity theft. In XXXX of 2022 I sent certified affidavit including my signature for investigation, to this date I have not received any outcome of the investigation nor any follow up from Wells Fargo regarding this case. More than XXXX US dollars was stolen from me what appears to be organized calculated crime by their internal bank employees and cartel members in conjunction with the bank and other financial institutions. I filed complaint with OCC and DOJ to assist with this matter.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
1. On XX/XX/2022, my identity was stolen and someone opened a credit card with XXXX XXXX Credit Card and maxed the card out using my information. I froze my credit after this occurred ( using online measures and calling the reporting companies ). This issue was resolved and I was deemed not responsible for the activity, at which time, all inquiries regarding the card were removed from all reporting agencies except TransUnion. I am requesting that both of these be removed from my credit report as quickly as possible. 

2. On XX/XX/2022, the same credit card company XXXX XXXX XXXX placed another inquiry on my credit report through TransUnion. This inquiry was not requested nor authorized by me. I have filed a police report for this incident in accordance with guidelines given to me on the phone by the TransUnion representative. I am requesting that this be removed from my credit report as quickly as possible.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is willing noncomplying to my requests. 
This is not a Dispute I am requesting items I identified removed from my consumer report pursuant to 15 USC 1681c-2 as a result of identity theft immediately, I already disputed which I shouldnt have to if your are in Compliance there shouldnt be a Dispute items should be removed in 4 days and where the investigations evidence that you are in accordance.why havent they I received a update in mail this isnt proper action by a credit reporting agency who in compliance with FCRA standards See attached required information for block

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 2023-05-03
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  XX/XX/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