BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXXXXXX Balance : {$79000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$84000.00} XXXX XXXX XXXXXXXX Balance : {$79000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NC
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:
After sending MULTIPLE complaints, there are still MULTIPLE FRAUDULENT items on my credit report. I hope they will be deleted IMMEDIATELY because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. These accounts are not mine.

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 2022-06-17
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Citibank credit card has many many false charges. This occurred a few weeks ago. I have tried 3 times to get help from the call in dispute center. EVERY time it takes a long time to eventually get to the correct dept and they disconnect the call. There is no physical branch in Colorado. I need all of these false charges removed. I need someone from Citibank to contact me to resolve.

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 2023-09-25
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In the first week of XX/XX/2023 I received a {$17000.00} transfer. The money is still sitting there because my account has been " restricted ''. I can not access the money, I can not see a statement, and I can not close the account. I looked on their page on XXXX and was dismayed to see that this is a pattern with them. I want access to my money, and am sick of form letter responses that off no resolution.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
to remove wrong addresses ' from credit report, XXXX XXXX XXXX XXXX, or and also the XXXX XXXX XXXX XXXX, or i have never lived at those places.

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 2022-06-17
Company: EQUIFAX, INC.
State: NY
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 were reported as late ; XXXX  XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX According to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive this aforesaid letter and as a direct result i would like the late payment to be updated on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received and email on XX/XX/23 from Citizens Bank stating that my request to open a checking account was declined. I never attempted to open an account with this institution. 

Unfortunately, due to a busy schedule, I just noticed the email this morning. I called Citizens Bank this morning XX/XX/23, and the agent said : We thought that this would be a fraud case because important information was missing from the on line application. They invited the person to come to inside a branch complete the application on site. No one ever came in. She then went on to say that she couldn't see the actual application, that she was forwarding the information to the fraud dept and for me to contact the FTC. 

The Application ID is as follows : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
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 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2019-07-26
Company: M&T BANK CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The Amortization Chart is not matching the Balance on my Mortgage statement. I called on XX/XX/2019 and tried to explain to M & T Bank that there was a problem and they said that they would look into it and call me back on XX/XX/2019. We called M & T Bank back on XX/XX/2019 and XXXX from M & T Bank said that the investigation was still open sorry that they didn't call. then XXXX told us to call back on XX/XX/2019. I received my loan payment for XX/XX/2019 and the Amortization was still off and it increased. On the loan payment for XX/XX/2019 there was a {$20.00} deferens in the Amortization and the Principal amount. Then when I got my XX/XX/2019 loan payment the deferens went up to {$20.00} it went up {$0.00} cent it keeps going up. I called back on XX/XX/2019 and XXXX from M & T Bank said that they have opened an new investigation and they have 15 days before they have to give us and answer on the first complaint back on XX/XX/2019 and they do not have to give us and answer until the 15 days are up. I am asking for help please this amount keeps going up and I can not get any answers from M & T Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 were reported as late ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX According to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I did not receive this aforesaid letter and as a direct result i would like the late payment to be updated on my credit file.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2021 XXXX added a derogatory mark on my credit report per TransUnion and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA, XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

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 2021-10-27
Company: Regional Management Corporation
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX I tried to make a payment on my credit card. I put in the amount which was XXXX. I clicked ok. It took me to a 2nd screen where it had a make payment button. I clicked make payment and it took the full balance which was XXXX on a 0 % interest card. I immediately called to stop payment. They said they couldn't. It was escalated a few times and they all gave me different time frames of 4-11 days to be taken care of. So I waited trusting the company. I received a call Wednesday saying I'd get a call Friday to let me know what was going on with it. No call. Monday was XXXX XXXX XXXX so I called Tuesday. They said they had no claim number. And nothing was escalated. Then I was told yes it might take 30 days. Which I was never told. The application itself is made in a predatory way to trick you.. I feel like an XXXX for trusting Wells Fargo at all but I consider myself a savvy person. It seems I was wrong.

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 2019-11-25
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: Their investigation did not fix an error on your report

Complaint:
I was in deferment since XX/XX/XXXX. XXXX is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with XXXX as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that Experian, XXXX, and XXXX all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing

Complaint:
On or about XX/XX/2023 an agreement between myself and Wells Fargo Preservation Department agreed upon a 3 month Loan Modification and I was told that my house will be out of Foreclosure. However this was nothing but a Fraudulent Lie because as you can see in the attachment despite me keeping my word and paying the first Trial Payment. Wells Fargo fraudulently misled me and kept my residence on the Sheriff Sale list with a new date XX/XX/2023. Then the Preservation Department sends me an email claiming that theres an issue pertaining XXXX XXXX to whom is the other 50 % owner to whom theyre trying to cover for forging my name on the note and forgery on an {$18000.00} Refinance Check. Yet hes been missing in action for the past 18 years and didnt even attend his wifes funeral. Also Wells Fargo continues to harass me by sending mail here in his name after knowing the fact that he doesnt live here. And since theres an issue with the Mortgage Title then Wells Fargo shouldve informed me prior to this 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 2020-07-26
Company: Exeter Finance Corp.
State: MA
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: Investigation took more than 30 days

Complaint:
During XXXX of XXXX and XXXX of XXXX I lost my job due to the Covid pandemic. I made several attempts to let them know of the problem. Each time they responded with a generic respond stating they are aware of the lateness, and that they cant do anything. In fact they said they have to submit the remarks to the credit bureaus. In XXXX XXXX XXXX I made a large lump sum payment of XXXX to catch the account up. I have been current since. 

Since XXXX of XXXX the government released the CARES ACT which states if the consumer cooperates with the lender they will not penalise the consumer and remove any negative remarks. 

I called several times to let the lender know of the CARES ACT and each time they said its not their policy. This is in-spite of federal law. 

I would like them to remove these remarks or update these remarks on my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
I want the collections deleted. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a credit card account with HSBC BankFor the last 2 yearsI paidAt least5 to 20 times more than the minimum payment every month. 2 months agoI tried to use the card after I made a payment of {$800.00} while my minimum payment was only $ XXXXI was denied the use of the card becauseHSBC decreased my credit limit {$800.00} a day after I made my paymentWhat 's causedMyCredit score to decreaseBecause I went fromFrom 50 % Available credit1 %, it show that I used 99 % of my credit and I pacifically made the {$800.00} payment to lower that so IIn the process ofRefinancing my home they did not give me any notice until two weeks later a letter stating that they reviewed my account and I had too many open accounts which I had that many accounts when I Received the card I only added one other credit card account with a XXXX balance and a mortgage.

Company response to consumer: Closed with explanation