BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies on my credit reports, which I have previously disputed with Equifax, XXXX, and XXXX. Despite my repeated attempts to resolve these issues, I have encountered little to no results and continued financial hardship due to identity theft and credit reporting inaccuracies. I am seeking an urgent resolution and compensation for the damages incurred as a result of these inaccuracies and identity theft. 

I have diligently followed the official dispute process with the credit reporting agencies, providing detailed documentation, and highlighting the items that are not accurate, fraudulent, or related to identity theft. Despite my efforts, my credit reports remain plagued with incorrect information, making it challenging to secure loans, housing, and employment. 

The inaccuracies and the identity theft-related entries have not only tarnished my creditworthiness but have also caused severe financial stress and emotional distress. I have attached copies of the relevant credit reports, highlighting the discrepancies and fraudulent entries, along with the previous dispute correspondence for your reference. 

I respectfully request the following actions be taken to rectify this situation : A thorough investigation into the inaccuracies on my credit reports and the identity theft issues that have not been appropriately addressed. 
Urgent correction and removal of all inaccurate, fraudulent, or identity theft-related items from my credit reports. 
Notification to Equifax, XXXX, and XXXX to promptly update my credit reports with the corrected and accurate information. 
Compensation for the damages I have suffered due to these inaccuracies and identity theft, including financial losses, emotional distress, and any associated legal fees. 
I am fully aware of the importance of accurate and fair credit reporting, and I believe that the CFPB 's intervention is crucial to ensuring that my credit reports reflect a true and accurate representation of my credit history. 

I kindly request that this matter be addressed with utmost urgency, considering the significant impact it has on my financial well-being. I would appreciate your prompt attention and resolution. Please keep me informed of the progress and outcome of this investigation. 

I am willing to cooperate fully, providing any additional information or documentation necessary to facilitate this dispute and expedite the resolution process. 

Thank you for your prompt attention to this critical issue, and I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I closed my account with Wells Fago 3 years ago. I kept having fraud done on my account. I had my card changed 5 times due to this and the last time it happened I went into the branch and went to the counter to take my money out and close my account and had all my information and they wouldn't let me close nor give me my money! But just 10 minutes before some one had taken my money through fraudulent activity. I had to wait to get my money and close my acount.

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 2023-02-23
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Requesting more information on the denial as it stated due to prior existing Discover account. I have no knowledge of an existing account or prior account balance that would cause a denial of future products. Therefore, I need clarity and information on this alleged existing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CORELOGIC INC
State: GA
Product: Credit reporting 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:
There are several inquiries on my credict report that I did not submit.

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 2022-10-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I submitted a payment to my XXXX XXXX XXXX XXXX Citi account on XX/XX/XXXX in the amount of {$10000.00}. Today, XX/XX/XXXX, I was unable to use my credit card as it was declined at the gas station and again for an online purchase. 

I called and spoke to customer service and was told the account is on hold until XX/XX/XXXX to ensure the payment is legitimate and clears my bank and until then I have XXXX credit available. This is completely non-sensical. Also, I did not receive any correspondence advising me the card is unusable. 

Neither the customer service rep nor the supervisor could specifically explain the criteria behind why this payment was flagged. I was told " there is some criteria for large payments that trigger this ''. Nor was there an explanation as to why I wasn't notified. This is beyond bad business, considering : 1. ) Citi is being paid a payment which lowered my balance ; 2. ) I have no history of late or returned payments on this account ; 3. ) Citi has already drafted the payment out of my banking account ; 4. ) If you've already taken my money, I should have access to my credit card account. 

This is a terrible policy that is not consumer centric. I expected better from Citi. I will be returning to XXXX and XXXX XXXX for my credit card usage. They have far better customer service. ( I didn't really need the snarkiness from the Citi customer service rep and supervisor that took my call. ) While I realize Citi won't particularly miss my business, I am submitting this in the effort to let others know of Citi 's poor policies and disrespectful service. 


Citi XXXX XXXX XXXX XXXX XXXX XXXX  Customer Service # : 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 2023-11-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
DATE LAST ACTIVE and DATE OF LAST PAYMENT are incorrect and different on each of the 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 2023-06-14
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23 I received a phone call from Navy Federal Credit Union stating I was accused of fraud, and my XXXX account was suspended before conducting a proper investigation. The XXXX XXXX representative stated XXXX was the party responsible for suspending my account, and I would need to contact them directly to request for the suspension to be removed. I submitted text messages from the accuser directly to XXXX XXXX on XX/XX/23 as proof that I did not commit any fraudulent activities. I also filed a complaint against XXXX with CFPB on XX/XX/23 regarding my account. XXXX responded on XX/XX/23 ( letter attached ) and confirmed they completed a thorough review of my profile and confirmed there are no restrictions on their end. I called Navy Federal on XX/XX/23 to receive an update regarding the proof I submitted on XX/XX/23 so that a proper investigation could be implemented. As of todays date XX/XX/23, Navy Federal has not reviewed the information I submitted nor started investigating the falsified claim made against me and my suspended XXXX account. IT HAS BEEN OVER 3 MONTHS!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: NC
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:
I did not authorize or agree to XXXX XXXX and XXXX baXXXX

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 2023-10-19
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reported last week Made dispute this week Been calling lender to report to Equifax everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Convergent Resources, Inc.
State: PA
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:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

CONVERGENT OUTSOURCI Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: 21ST MORTGAGE CORP.
State: SC
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
21st Mortgage representatives continue to exhibit verbally and emotionally abusive behaviors toward me when calling in and attempting to make payments. 

Today, XX/XX/2023, I called in to make two payments by phone because I am unable to make online payments as they lock accounts out from making online payments when the account is past due any amount. I am due for XXXX and XXXX. 

I attempted to call on three separate occasions, today being the third, to make the payments and each time was told they needed a third payment, which only came due today. They proceeded to harass me over why I was past due including mocking me stating that maybe I should be able to afford my mortgage and be on time. They implied a refusal to take the two payments without a third followed by a refusal to continue with my mortgage. When pushed to clarify what was meant by " not continuing my mortgage '' they stated they " didn't say that. '' After telling me they could not take my payment without a third payment added to it, I asked them to restate that they were refusing to accept my payments. They claimed they were not saying that, yet still did not accept my payments. This tactic is similar to a XXXX XXXXXXXX tactic where the person is told something and then the perpetrator gaslights them claiming to have never said those things. It is a bullying and harassing tactic designed to push the person further toward default. 

I suggest looking into XXXX XXXX as well as 21st Mortgage for these patterns of default and resale as it is their business model. 

Please note that they are well aware that my income has decreased over the last 2 years, that I was impacted heavily by a COVID job loss, and that I am currently caring for a daughter with XXXX XXXX. Despite my transparency, they continue to verbally berate me and conduct themselves in a combative and abusive manner making it extremely difficult to manage my account and make payments. 

Their treatment continues to cause undue stress and XXXX XXXX. Please see a previous complaint # XXXX. This is clearly a pattern of behavior deemed acceptable by the organization and its leadership. 

Having to make payments by outside means adds to the financial burden. No mortgage servicer or company should ever be able to prevent someone from making their payments and as a result, cause such deeply damaging XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a phone call from my sister in law that someone called me from XXXX and asked me to contact them on XX/XX/XXXX. I took down the information and gave the company a call. I spoke to a guy who didnt give me a name. He stated that I owe Care Credit {$950.00} and I needed to pay today in order for my file not to go to the court tonight at XXXX. He stated that the company will garnish my wages and put a lien on my property.He also stated that ny husband and I have the capability to pay the debt so I needed to pay it and that even though my husband and I were not married when this so-called debt was done NC is a state that will allow them to go after him as well. I asked for clarification but he was only interested in telling me that I needed to pay now and that if I didnt I would have {$4000.00} in court fees. This debt was supposed to have happened in XXXX and I do not recall having Care 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 2021-01-04
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
There has been fraud inquiries on my account with American Express, XXXX, XXXX XXXX  and other companies.This issue has been going on for a couple of months is there any way that I can get some assistance with getting this issue resolved?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received unsolicited debit card from US Bank. Identity theft?

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 2021-02-17
Company: TRANSWORLD SYSTEMS INC
State: DE
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:
TRANSWORLD SYS INC/51 has a medical account for XXXX XXXX in Delaware. I was unaware of this past account until it showed on my bureau. I called to inquire about it on XX/XX/21. I spoke to a representative on that day and also paid the total amount owed ( {$180.00} ). As of XX/XX/21 the account was paid in full and I received a confirmation number # XXXX. The account was reported as past due again on XX/XX/21. I called the company again on XX/XX/21 and spoke to XXXX XXXX who indicated that the account was still open and did not see my payment. She indicated that she saw that I called in but the person that took my payment did not note my account. I checked my account and the money was taken out of my account on XX/XX/21. She indicated that her manager told her to put my account in dispute because they have to look for my payment. This is unfair treatment and this account should not have been reported to my bureau as past due since it was paid. It also should not have been reported if I was not even aware of this past due balance in the first place. I never received any form of communication from this company. The rep told me that I would need to call back in a few days because it is not known when this issue will be fixed. Again, unfair treatment and inaccurate credit bureau reporting. In the mean time, I am negatively impacted. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following accounts was charged off XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXX XXXX  XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account XXXX : XXXX Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Weltman, Weinberg & Reis Co., LPA is an identified debt collector that obtain my nonpublic personal information without my consent through an nonaffiliated 3rd party source by the means of aggravated identity theft pursuant to 18 USC 1028A. Without my prior consent given directly or from the express permission of a court of competent jurisdiction allowing to do so pursuant to 15 USC 1692c ( a ), they have violated numerous of provisions under the Fair Debt Collection Practices Act ( 15 USC 1692 ) ; Fair Credit Extension Uniformity Ac ( 73 P.S. 2270.1 in their attempt to extort me. I REFUSE TO PAY SUCH ALLEGED DEBT and demanding Weltman, Weinberg & Reis Co., LPA to cease and desist communication through all mediums in reference to this alleged debt with me and any other person pursuant to 15 USC 1692c ( c ). *SEE ATTACHMENTS*

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2020 I SENT CERTIFIED LETTERS TO XXXX AND TRANSUNION EXPLAINING THE INACCURATE REPORTING AND ERRORS I FOUND ON MY CREDIT REPORT ABOUT WRONG ADDRESSES AND ACCOUNTS FOR THE AMOUNT OF {$110.00} FROM ACCOUNT SERVICES AND {$130.00} FROM CREDIT MANAGEMENT. THE ADDRESSES WAS CORRECTED BUT THEY COMPLETELY IGNORED THE REST. I RECEIVED A RESPONSE FROM XXXX ON XX/XX/2020 WITH A CONFIRMATION # CORRECTING MY ADDRESS THATS ALL THEY NEVER RESPONDED ABOUT DISPUTE IN INVESTIGATION I HAVE YET TO RECEIVE ANY INFORMATION ABOUT ACCOUNTS PERTAINING TO ME FROM XXXX XXXX IN XXXX, TX XXXX OR XXXX XXXX IN XXXX XXXX, TX XXXX OR 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 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
The initial claim I filed with Bank of America on XX/XX/2020 for the charges of {$2300.00}. The service supposed to be for horse brochures and guide information, but never received and instead the merchant has reoccurring charges to my bank. Bank of America refused to recover this amount instead only a few transactions ... 3 transactions for similar merchant were recovered. 

XX/XX/2020 XXXX XXXX  XXXX {$300.00} and {$300.00} XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} These 3 transactions were refunded The bottom transactions were not recovered XX/XX/2020 XXXX XXXX XXXX {$250.00} and {$300.00}, XX/XX/2020 {$270.00} and XX/XX/2020 {$270.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX {$270.00} Further correspondence if needed.

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