BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or around XXXX XX/XX/ 2022, some imposter hacked my checking account last four # XXXX, wrote XXXX bad checks from XXXX, digitally signed them, and deposited them into my account. Citibank finally sent copies of the checks today and are trying to charge me a {$12.00} fee for each of these fraudulent checks that were returned coming to a total of {$36.00}. I reported fraud on my account so they could place a fraud alert. 
They didn't send me a copy of my account charges because I can't access the account. This way I can see all transactions in my account. This is one reason why they are holding my money, so they can steal it with these fraud charges. 
This bank is corrupt and does not respond to customers on the phone. When they might, it's a bunch of lies.

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 2019-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: MARINER FINANCE, LLC
State: IN
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:
Perosnal Finance and their parent company refuse to help me. I need my credit report to be accurate and they have reported a new open account and I dont have one!

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 2023-04-21
Company: SG and Associates
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
* XX/XX/XXXX-XX/XX/XXXX I contacted the collection multiple times regarding this matter to get resolved I explain to them this was not me and never signed for the devices as well did exactly what the representative requested a police report in XX/XX/XXXX because was not acknowledged of this purchase will not take ownership of it. 

*On XX/XX/XXXX I contacted the same collection agency about this matter and tried to resolve the representative was very rude and refused to hear me out after contacting smart pay with the collection agency they informed me could not release any information because would have to be the person who owe the account and also discover they don't have photo copy of my id either that link me to 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 explanation
Consumer complaint received 2022-05-05
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:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my XXXX XXXX and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # 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 2021-05-26
Company: AFNI 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:
XXXX failed to provide proper validation as an itemized bill does not constitute validation. This debt is alleged to be believed not to be mine because the name on this bill shows as XXXX XXXX and my only name is XXXX XXXX if they had properly validated this account they would have known that they names did not match and this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I went in to XXXX XXXX XXXX to test drive a XXXX XXXX. I asked them to get the payment less than {$400.00} & that could not be done so we said never mind & walked away from the dealership without a car. On that same day, someone else came in & purchased a XXXX XXXX XXXX at XXXX XXXX in the amount of {$26000.00}. His loan is through Santander Consumer USA. Per the dealership, something happened with his loan & he needed a co-signer, so in XX/XX/XXXX the loan was finalized with a co-signer. The loan was funded on XX/XX/XXXX. The co-signer filled out all the appropriate paperwork & is in the XXXX XXXX system as the co-signer with the main purchaser, but on their funding page with Santander it shows me on the loan with the main purchaser. Their CDK program shows the sale with the main purchaser & the co-signer. Somehow my credit profile ( credit application ) was mixed with the co-signers packet. I have called Santander & they informed me that it'll take 3-5 business days before I will even see the fraud packet in my email. I went to XXXX XXXX & spoke to 3 associates who stated they as well will contact Santander & start a fraud packet on their end. Now the Santander loan on my credit report shows the loan is up to {$27000.00}, so I fear the purchaser & the co-signer have no made a payment, so undoubtedly, it will affect my credit score. No one can tell me how this happened. The only time I've gotten an update is when I reached out, & quite frankly, I'm not the one who screwed up so I'm not the one who should be asking for updates, they should be handed to me freely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-09-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I only miss onXXXX payment since I've been with Wells Fargo home mortgage. My monthly mortgage is XXXX .I contacted the mortgage company and imformed them that I had a major problem that needed immedaite attention my son was XXXX  I had to support him. I ask if they would put the payment on the end because I would not afford to make this payment up because I am XXXX  and I'm on a fix income. 
Wells fargo offered to give it's customers a three month deferred payment about five years ago due to a hurricane disaster that affected my state. Now since I miss this one payment they are sending me harrassing phone callsa and claiming I'm XXXX in the rears. What I need to know is if I only miss one payment of XXXX how do I get to be XXXX XXXX plus more in dept. I did not ask for the deferred payment, this was offered to all N.C. residents that were affected by the hurricane. Please Help because this is affecting my credit.

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 2023-09-14
Company: United Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, Michigan - We visited XXXX  Room in XXXX. We never received statement from them. When I contacted, always numbers are busy, one XXXX I got hold of them, they said no supervisors or managers available. I left a message for someone to call back but they never did. But the amount went for Debt collection. 

XXXX is same as XXXX XXXX same as XXXX XXXX. 

We are uninsured. We didn't get discount for selfpay. They expect us to pay full amount. Their policy for 20 % discount is only 7 days. No one can pay {$3300.00} in less than 7 days without receiving statement what we are billed for and it is accurate. They should have staggered due dates like less than {$100.00} one week ; less than {$1000.00} 2 -3 weeks more than {$1000.00} atleast 1 month from the date of paper statement received. Their policy is not practical and helpful for consumers. 

I received Debt collection notice from UCB United Collection Bureau. I called them and mentioned that I have never received the statements from XXXX before. They said they don't contact XXXX. Because they don't know them. UCB said they can not make settlement with me. But they can send itemized statement. 

Again, I called XXXX XXXX XX/XX/XXXX XXXX, it says if you received collection notice, press 1, when I press 1, it always comes busy tone. Then I spoke to someone out of state, she put the notes on the account to pull it back from Collections and said someone will contact me. Until XXXX  I didn't receive any response. 

I received a call from UCB on XXXX  XXXX at XXXX with an authoritative voice stating that we have sent the itemized statement did you receive it or not. I said I didn't receive it. I also told her that I contacted XXXX and they are ready to pull the collectin back. But she we didn't hear from them. I told her to give them sometime because I just called last week XXXX. I received UCB itemized statement on XXXX  XXXX. They didnt have patience to wait one or two days to call me. 
Again, I received lots of calls from UCB but I answered only XXXX in the XXXX, I told him I just spoke to them XXXX XXXX and notes are in the account. You can not call me everyday and harass me. They started my week on the edge ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 an after I'm writing a complaint to ask you once more to look into the false accounts you've been reporting on my credit file. I'm writing to challenge the veracity of some data on my credit report that I obtained from your bureau. I just looked over my credit report from other credit agencies and discovered that several accounts were being reported incorrectly. Particularly, the following accounts display inconsistencies : XXXX XXXXXXXX Balance : {$2500.00} US DEPT OF EDXXXX XXXX XXXX : {$85000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, account information must be reported accurately or updated. I request that you review the information on my account and make the relevant modifications as soon 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 non-monetary relief
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Every time I reach out for a debt validation letter and a proper investigation, I get a letter back stating that its verified with no proof that the debt was validation or anything. They Threaten me with a potential legal actions and initiating debt collection lawsuits without offering or possessing required documentation : XXXX XXXX XXXX Amounts. {$1000.00}, {$530.00}, {$2100.00}, {$900.00}

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 non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX  to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX  to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a letter to the credit bureaus in regards to unknown and inaccurate items that I have found being reported on my credit report on XX/XX/2020. As of today it has been 46 days later I haven't received a response to my disputes of the inaccuracies found on my report. I'm starting to feel as if my actions are being disregarded on resolving this matter. I'm aware that there is a process that has to be taken, but to my understanding failure to to investigate these items within 30 days gives a valid reason to remove these items from the consumer report. So far it has ben 46 days and these items should be removed immediately. These inaccuracies are adversely affecting my credit and I want this issue resolved immediately not in another 45 days.

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 2023-09-14
Company: Chime Financial Inc
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yes I am a chime member and my time card has been compromised three times I've had three sets of charges charged for my card where I file disputes they refused to help me they allowed someone to open up a time credit builder card in my name charged over {$2500.00} with no credit limit they took my social security check and paid some of it told me to follow dispute I follow dispute they did not even look at it they just automatically marked as they won I have tried to get them to help me on all of the stolen credit card information that I had they would not help me this company is not only is it sorry it is nowhere near like it's supposed to be

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a refinance with First Centennial Mortgage company in XXXX and submitted all necessary paperwork for the loan. Credit was pulled at the time. Shortly after, received a conditional approval for the loan. 

To date, I have received no response to my application because underwriting at First Centennial Mortgage requested for a second appraisal on my home. I feel that perhaps I was targeted as a minority ( XXXX ) for the second appraisal review. I would like to see how many others have had to go through a second appraisal process and the mix of ethnicity. My loan officer mentioned that he has never seen a second request for an appraisal review before. There were questions regarding the first appraisal which were answered by the appraiser but now, my application is in limbo. 

Since then, interest rates have increased and I have NO other communication on my application. I suspect now things fall through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
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:
You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason we didn't get it '' doesn't occur but then its like nothing happened. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 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 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 items 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.? I want you to be responsive and REPAIR these items that caused me so much trauma. 

XXXX XXXX, XXXX UT XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief