BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
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:
This is my third time requesting your company to BLOCK the information on my credit file that I have identified as identity theft. The law requires any consumer reporting agency to block information in the file of a consumer that the consumer identifies as identity theft, no later than four days of the receipt of an identity theft report, identification of the information, a statement that the information is not related to any transaction completed by me and appropriate proof of identity. I have provided all of the above mentioned documents and your company is not complying with federal regulations. You are requested to BLOCK the information in my report within 4 days of this notice. My request to block is not being made in error, nor is my request to block made on the basis of material misrepresentation of fact by me relevant to my request to block. I have not received or obtained any services, goods, or money from the companies identified in my FTC report. I received a response from your company to my last request for you to block this information. Your company states that I previously asked you to DISPUTE this information that I have identified as identity theft. I AM NOT ASK YOU TO DISPUTE ANYTHING. I AM NOT ASKING FOR VERIFICATION, I AM REQUESTING A BLOCK OF INFORMATION THAT IS A RESULT OF IDENTITY THEFT. IF SOMEONE ASKED YOU TO DISPUTE ANYTHING IN THE PAST, IT WAS NOT ME. I AM REQUESTING A BLOCK OF THE INFORMATION PURSUANT TO 15 USC 1681c-2. I will be filing a complaint with the XXXX, Attorney General and seeking litigation if my request is not taken seriously. Please see attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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:
XXXX XXXX XXXX XXXX is reporting an account to Equifax and XXXX that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My problem is with nation star financial.in  XXXX  I was paying  XXXX  a month, last year in  XXXX  my home owners insurance went from  XXXX  per year down to  XXXX  .so the mortgage company dropped my payment to  XXXX  a month.i had nothing to do with any changes, and we were not notified about any changes.Then 2months ago I get a bill for  XXXX  dollars and was told that was my new house payment.i called and they say I did n't have any money in my escrow.i asked why they said after a lot of research we found out they were paying my insurance company double.they were paying the broker  XXXX  and  XXXX  and  XXXX   XXXX  who holds the policy.i told them that none of this was my fault.i talked to the escrow man at nationstar all he would say is ok I 'll drop your payment to  XXXX  a month and he said have a nice day.because of all this I have to file a amendment and start paying for a house the I have paid for 15yrs.why should start over again.i think there wrong on what there doing to me and my family.i think we 're being extorted out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred from  XXXX  to Nationstar mortgage. Nationstar provides an option to pay online. The terms on their site say that Nationstar is not responsible for any errors within their site. How is this legal for consumers to make payments from their site, using their tools, and they can not guarantee that their payments will be credited properly, or that their balance information is correct. Nationstar should have some responsibility to ensure that customer information is correct in their systems, or not be allowed to present faulty information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: FL
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:
Experian will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with XXXX XXXX XXXXXXXX they also have potentially negative i contacts the td finance and they told me to dispute thru experian but experian will not let me dispute anything on my file stating it was already disputed. I am getting no where all those closed accounts that are over 6-7 years I need removed but I am being blocked and can not do anything this is a violation of my rights.I would like all closed account remove that are not reporting in my file REMOVED. They have hijacked my report and I have no access. I want my XXXX XXXX XXXX the one that is open XXXX correctly I have never been late and I would like XXXX XXXX XXXX contact to confirm this is correct. 
I only have one name and have disputed they will not remove the other names of my report nor the addresses that dont belong to me. XXXX XXXX I ask for a live call to company to get sign documents I own that file nothing they updated it and left it on my report when I have never done business with that company. I need this fixed asap. I need XXXX a XXXX XXXX  to update my credit report monthly I am not seeing a 30 day update from them because of the daily fees they are charging me they are hiding what I owe and kinda not reporting my payments are on time an never late. I want my balance up dated monthly to all 3 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 2023-11-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : 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 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 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 withount my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) (! ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I fist received text messages from Citizens Bank in XX/XX/XXXX congratulating me on my new account. 

I have never had any accounts or business whatsoever with Citizens Bank, so this account must have been opened via fraud. 

I then received communication in the mail from Citizens Bank N.A. on approximately XX/XX/XXXX that I had an overdrawn checking account and owed {$49.00} of overdraft fees. 

I contacted Citizens Bank, they documented my complaint and advised me to report the case to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, 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:
Please delete these accounts from my credit report as they are fraud. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called in to pay my mortgage on XX/XX/2022 to ensure my account did not fall 30 days past due. I spoke to a representative over the phone who assisted me with processing the payment and provided me with a confirmation number. I received a notice that my mortgage was 30 days deliquent and the company informed me they had no recollection of my call. According to their records there were no notes on the account. I pulled up my call log and I called in at XXXX  that morning and spoke with someone who processed the payment for me. I asked the employee to pull the call. The managers shared with me they do not record all of their calls and could not locate the call. I have a 100 % on time payment history prior to this, and I take pride in that. I should not be penalized because their representative and their system did not document the interaction accordingly and factually. I have researched the company, New Rez and apparently this happens often. I am requested my payment history be reported accurately and timely, as my bill was paid within my 30 day window.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was on forbearance for 18 months due to covid-19 financial hardship experienced by my family, when I contacted Wells Fargo I was not giving accurate correct detailed clear information on my options after forbearance to make informed decision on what option is best for me post forbearance, not armed with accurate information on all available options after forbearance the mortgage company placed my loan on " Payment Deferral '' and when I found out I called Wells Fargo and told them that due to my family financial difficulties I can not afford the current payment as it is and I asked them that the best option for me at this time will be the streamline flex modification which will allow me to receive receive mortgage modifications without submitting any paperwork. They ( Wells Fargo ) refused to reverse their decision of placing my loan on payment deferral option. 

I first requested for the streamline flex modification without paperwork submission option in XX/XX/2021, and also in 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 explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: SC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020

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 2022-03-28
Company: WELLS FARGO & COMPANY
State: AZ
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:
Wells Fargo {$350.00}

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 2023-09-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Fraud was not aware of 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a checking account on Chase, and on the day of XX/XX/, I checked my account received an alert saying my accounts will be closed shortly. And I immediately called the customer service, the agent said I will receive my check within 10 business days of my account closure. But today XXXX XXXX, XXXX, I called Chase customer service again to confirm when will I receive my funds, the agent says she couldnt confirm when can I receive it, the funds is on hold for authorize but didnt ask me for any proof. I would need it for normal living and paying the rent and paying the credit card. I understand Chase decided to close my account, but why couldnt I having my money back while its only about XXXX from my employers direct deposit and my personal used items sales also currency exchange. I need to pay the debt I have and my rent and my credit card or my credit would also be affected. I saved these funds in last 3 years since I started working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: GA
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:
According to U.S. C 1681i ( a ) ( 6 ) and ( 7 ) I would like a the detailed steps taken to verify the accounts listed below. 

XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXXxxx # #, XXXX XXXX XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Kriya Capital, LLC
State: OH
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:
Credence Resource Management LLC reported an account from XXXX XXXX  that was closed in XX/XX/XXXX as an open delinquent account since XX/XX/XXXX every single month on the earliest date Possible. They know it is incorrect and continue to harass me and report inaccurate unverifiable information. I told them they are reporting a inaccurate address and the still have continued to do it. These reports has caused an adverse effect to my life during the pandemic and I have a right to sue for damages and harassment. They have threatened to find ways to harass me and have threatened me but people need to know the lengths these type of people the fcra rights were made for. Account balance XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My account was closed with no explanation on XX/XX/2021. The email sent mentioned that I needed to contact support to get my balance if there was still a balance. No information or emails from Gemini until XX/XX/2021 ( during a giant crash in the virtual currency space with no access to my currency ). I had my account " unlocked '' on XX/XX/2021 but the currency was being held in their " Earn '' service and I'm unable to withdraw back any of the cryptocurrency because my account is unable to. On top of that, I can't access my account anymore because the SMS messages are not being sent by them when trying to login ( I know my username and password, confirmed by XXXX support that they have no text logs sent from Gemini ). Also, Gemini gave me 2 weeks to withdraw from XX/XX/2021 ( which I can't because the account is unable to be accessed and the currency is behind their earn platform ). Still have not heard back about resolving either of the following issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: HANCOCK WHITNEY BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hancock Whitney will not let me close my account. I called to do so and they said I first had to transfer the money out of my account. I connected my other checking account ( XXXX ) to my Hancock Whitney account and then tried to initiate a transfer. The Hancock Whitney platform does not allow me to initiate a transfer. I tried to do the transfer through XXXX, but XXXX told me the transfer was blocked because my Hancock Whitney account was frozen. Hancock Whitney 's online banking platform says nothing about this, and their phone line has " been down '' when I have tried to call them. They are charging monthly fees for non-use. 

Separately, they have also charged me monthly fees for non-use with NO NOTICE for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Resurgent Capital Services L.P.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Zwicker & Associates, P.C. Attorneys at Law filed a judgement against me, we agreed to a payment schedule which I have abided by in fact I am about 4 payments ahead of schedule. A debt collector continues to call me requesting a payoff even though I'm ahead with my payments this is very annoying, he called on XX/XX/XXXX, XXXX and XXXX, again XX/XX/XXXX, XXXX & XXXX, is this legal for them to do with a signed agreement of payment schedule. It is better to contact me after XXXX or by email. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX withdrew {$200.00} from my savings account on XXXX XXXX. On XX/XX/XXXX they took out {$200.00} from a newly opened savings account. On XX/XX/XXXX they took {$200.00} from my checking account.I have to change my password daily.because they get in my account. I had all my devices cleaned for Spyware and it is still happening.I call my Citizens bank daily. Citizens is refunding my mo ey.But it is not stopping the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a credit in the amount of {$5100.00} and the credit card company processed it as a cash advance. I am disputing the {$250.00} cash advance fee and interest charges. The merchant to my knowledge did not process this as a cash advance. The credit card company opened and then closed dispute case # XXXX since I was not disputing the XXXX just the fees without an explanation. They asked me to open another case and then refused to open another case,

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