BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy 15 USC.1681` section 604 A section 2 It also states a consumer reporting agency can not furnish a account with out my written instructions. XXXX. XXXX XXXXXXXX XXXX account number XXXX {$960.00XXXX XXXX XXXX XXXX number XXXX {$26000.00} XXXX & XXXX XXXX {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2016 someone opened multiple bank accounts in my name. I was able to dispute one with XXXX and I have identified another with Trust. I am still investigating the extent that this person ( s ) abused my identity.

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 2023-05-13
Company: FirstPoint Collection Resources
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: Account information incorrect

Complaint:
This company has never reached out to me regarding those two derogatory marks on my credit. 



In XX/XX/XXXX. I brought my First car and in order for me to drive the car off the Lot I had to buy insurance! Which I did I brought insurance through the dealership because they knew someone and that was XXXX XXXX XXXX.. I didnt have a great relationship with XXXX XXXX at all BOTH times I had them. When I got into an accident my car was Totaled and wasnt able to get fixed. And in XXXX I ended my relationship with XXXX XXXX XXXX XXXX. Not owing them a dime! But unfortunately they report on my credit report that I opened an account with them XX/XX/XXXX which isnt true. Because I brought my car back in XXXX XX/XX/XXXX. So how could I have opened an account with them around XXXX? Makes absolutely no sense completely absurd. They stated I owe them XXXX $ I need documentation with valid proof. 


In addition to this they also stated that I owe them another XXXX XXXX And the account was opened XX/XX/XXXX. If I recalled I ended my relationship with XXXX XXXX back in XXXX XXXX. Due to them stating I owed them back payments for a system glitch on their own system. I called to report that I notice I wasnt being charged for the month of XXXX payment and thats when I was told by representative that it was a computer glitch and it was a mistake on their behalf! Which also means that I was driving around without INSURANCE! Thats another violation! I could have had my car impounded for a mistake or worse I could have gotten into a car accident and been in JAIL for not carrying insurance but according to XXXX XXXX it was a mistake and they promised not to charge me. When I notice a charged for two separate payments I called my bank for FRAUD! Because XXXX XXXX  committed a FRAUD. I could understand If they fixed the glitches and I was charged for the month of XX/XX/XXXX but nope they charged me for both MONTHS. After I was told not to worry that I wouldnt be charged for an ERROR!. 

Lets talk about UNPROFESSIONAL! Its unethical to tell a CUSTOMER you wont charge them and charge them anyways. And on top of that report such thing on my credit report! I dont owe them any MONEY! And if I do I need documentation with proof and proper dates! And signed documents from ME! With my signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been applying for mortgage assistance with SPS since XXXX of XXXX when my whole family came down with XXXX XXXX. Myself and my other children recovered but my son XXXX age XXXX still continued to have shortness of breath and difficulties breathing due to XXXX. I used up all my funds to take him by XXXX to the Doctors for treatment, this went on for months. I advised SPS during this time of my hardship but only insisted I come up with the past due payments or foreclosure be my only option. 


XXXX xt XXXX On XX/XX/XXXX I submitted for modification assistance and on XX/XX/XXXX SPS stated they received the complete package for review. The File was received on Friday XX/XX/XXXX and denied Tuesday XXXX with this quick decision SPS never gave me a proper review for assistance and set a sale date while I was in review rep XXXX was not informable and when I requested a supervisor she hung up on me. I requested a copy of the denial letter but I have not received it. SPS has not helped me during these difficult XXXX XXXX times. 

I am asking CFPB to investigate into this matter I feel SPS are in violation of Dual Tracking laws an, Negligence and Failure to properly perform.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
XXXX is reporting false, inaccurate, and incomplete information on my credit report which is negatively impacting my life! Please see the following accounts in question : XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$68.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have creditor or explanation of account Balance : {$890.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$0.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX : this is not an account I opened and should not be on my report! 
Account number : XXXX Balance : {$24.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX : this is not an account I opened and should not be on my report! 
Acct number : XXXX XXXX : {$15000.00} Date opened : XX/XX/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 2023-06-24
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

" XXXX XXXX XXXX XXXX '' ( XXXX XXXXXXXX XXXX ) are reporting inaccurate information to my file. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate. This is grounds for removal. 

They also violated the law because according to 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 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good Morning, I am filing a CFPB complaint against CitiBank. 

Around XX/XX/2021 ( plus/minus 2 days ), I applied for a CitiBank deposit account online. Upon completing the application, the webpage said that my application needed to be reviewed. 

The next day, I called CitiBank to get an update of the application status. The employee said that he saw the account was opened and then immediately closed by CitiBank. He then invited me to re-apply over the phone, which we did at that moment. Upon him finishing the application, he said that the account could not be open. He provided me with a new accounts servicing department phone number to get more information, which was closed at that moment ( it was the evening hours when I called ). 

I then called the new accounts servicing department a day or two later, and they said that they can not verbally tell me any information, aside that I would need to wait for a letter via XXXX that would be dated XX/XX/2021. 

On approximately XX/XX/XXXX, I received a letter in the mail from CitiBank, but it was a letter that did not provide me with any meaningful information regarding the issue at hand. ( see attachment image ). 

On XX/XX/XXXX, I called CitiBank again for more information, and was transferred around and spoke to 4 different people. When I got to the fourth person, they said the " system was down '' and they were unable to assist me. 

I believe that CitiBank has been acting inappropriately and in bad faith, as they have refused to provide timely information to me as they originally promised. I am seeking to get the information as to why the account was opened and then immediately closed. There is written evidence the account was opened in the attached letter that was dated XX/XX/XXXX ; note the last four digits of a debit card that is in the upper left corner.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Braviant Holdings, LLC
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday, XX/XX/2023, I made a deposit of {$10000.00} into my Citibank account. I also activated a new debit card. When I attempted to purchase something online, my card was declined. I then received a fraud alert via text, asking me to call. I called, identified myself, verified that it was I who attempted the charges, but was then told my account would remain under review and be inaccessible to me for XXXX hours. No one at Citibank will tell me why. I XXXX or XXXX not hear from someone.

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 2021-10-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In the month of XXXX, JP Morgan closed two of my 2 credit cards and two my of my checking accounts and put me in a limbo. I had no idea why nor for what reason they closed my accounts. I went in and asked and sent a letter in asking why, yet I never received a clear response. Furthermore, I have no idea why a company is allowed to close an account without saying anything. This affected my credit due to the reduction of my credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My previous employer used my personal Wells Fargo credit card without my authorization and have disappeared and no longer communicating with me and turned out to be a fraudulent company ( I did not give them my credit card information ). My fraudulent employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization/permission and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my fraudulent employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them. I have filed a police report but Wells Fargo is still holding me responsible for the debt even after explaining to them that this was done without my authorization or me ever given permission to transfer money from my card.

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 2021-10-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX PHH Mortgage made payment to my insurance after asking them to make payment for a few months. They finally did but the Insurance company never received it. I called PHH Mortgage over the course of the following 3 months to fix this issue, On several occasions I have spoke to agents named XXXX from insurance dept and he stated it was cancelled check and reissued to the insurance company. 3 weeks later nothing was cancelled yet but PHH Mortgage charged me a second time for the insurance. the second payment made was XX/XX/XXXX same amount of {$4500.00}, my account became negative for escrow in the amount of {$4500.00} as they never issued the refund to me or the account. to make matters worst, they transferred my account to XXXX XXXX on XX/XX/XXXX and closed my account with them as paid in full. now when i make contact with them, no one knows anything and all i get is " they are working on the stopped check to refund to me ''. its been 3 months since this incident and they have not refunded my the original charge of {$4500.00} for double insurance payment even though they have advised me the check was cancelled and not cashed by the insurance company. along the way my insurance was going to cancel and they didnt issue second payment to them until XX/XX/XXXX, so i had to make a 3 month {$1100.00} payment to my insurance company to keep my insurance from cancelling. as part of FHA rules the mortgage servicer is required to make my insurance payment on time, hence the required escrow account. i have since spoke to XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX ID XXXX, stated the completion date of refund into my escrow account would be XX/XX/XXXX and it didnt happen. no refund issued to account or to myself. on XX/XX/XXXX spoke to XXXX XXXX XXXX and he advised they are working on refund. on XX/XX/XXXX i spoke to XXXX ID XXXX and he advised they are working on refund, after i was upset and asked for manager, he stated he could no longer hear me on the phone call and acted like there was interruption and went quite and quit responding until i hung up. i have no idea what else to do because this is an extreme gross error on their part and they are washing their hands clean with false info each time i call. i do not have {$4500.00} just laying around to give away and i would like my refund sent to me. the new mortgage company has confirmed that they have yet to receive a refund from PHH Mortgage for my escrow. please help.

Company response to consumer: Closed with explanation