BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have tried more than once to get the credit bureau to correct errors on my report. I want these items removed. They are NOT mine. They were asked to provide proof that they were reporting correct information. They refuse. They always say as in the last complaint he didnt provide enough information to complete his investigation. They have ny identifying information. They have the name of the creditor and partial account number taken from their report. I dont know what more to give them. This is what was sent and signed for on XX/XX/XXXX. They just responded today they cant find this information. Yet its still on my report as of this morning. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report. 
1. XXXX Account XXXX Not my account 2. XXXX XXXX Account XXXX Not my account 3. XXXX XXXX Account XXXX Not my account 4. XXXX XXXX XXXX Account XXXX Not my account 5. XXXX XXXX Account XXXX Not my account 6. XXXX XXXX XXXX Account XXXX Not my account 7. XXXX XXXX Account XXXX Not my account 8. XXXX XXXX XXXX Account XXXX Not my account 9. XXXX Account XXXX Not my account 10. XXXX XXXX Account XXXX Not my account 11. XXXX XXXX XXXX XXXX Account XXXX Not my account 12. XXXX XXXX XXXX Account XXXX Not my account 13. XXXX XXXX Account XXXX Not my account 14. XXXX Account XXXX Not my account The Following Inquires were not initiated by me. They need to be removed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Consumer statement Please update my phone number from XXXX to XXXX. 
As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
As proof of my identity, I have included copies of my, Social Security card, passport, drivers license. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX DOB XX/XX/XXXX SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My identity was stolen on XX/XX/2021 and the someone used my debit card and took out {$1000.00} dollars on XX/XX/2021. When I noticed this was a fraud transaction which I never authorized I immediately contacted my bank and had to report all fraud transactions including this one from Money Lion. I have also contacted Money Lion and filed for a dispute and explained my situation and informed my checking account had to be shut down and close for both checking and saving account and debit card since all my personal information was stolen. I have filed a police report and reported my case to FTC as well. 
I have contacted every week for a status on my dispute to Money Lion over the last two months but they still have not resolved anything and never return my money of {$1000.00} as of today. I was informed they have attempted for the reversal on XXXX XXXX but nothing was received at my bank and there was not records of the funds receipt due to my bank account already had closed on XXXX XXXX. This was verified and confirmed with a bank representative to money lion over the phone already and still nothing has been received and no one has contacted in regards to this matter and I have been trying to contact the supervisor but they kept me on hold for an hour each time I had called. 
Now I have been patiently waiting for the last two months and I am getting sick and tired and frustrated this has not been settled. Please help me resolve this urgent and extremely important matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This was a rebate gift card from American Express. It was my understanding that they could not charge monthly fees if the account was active and being charged. I have been charged a monthly {$2.00} maintenance fee even though I've been using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX, my husband and I filed Chapter XXXX Bankruptcy and it was closed out in XXXX. I believe this is the time when re-affirmation would have started. I am no longer married and trying to refinance my home to remove his name off the loan, being we have been divorced for over 14 years. XXXX, I did a loan modification under my name only and they still never started recording my payment history from there. I tried refinancing with Bank of America, and I was denied.

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 2020-04-02
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX Virus - we are XXXX XXXX. 
our XXXX  is closed..Government offers 12 month defer payment and put on back end of loan.. PHH is  only offering 3 months off but then it is all due on the XXXX of the XXXX month, IN FULL.. Told to take offer and then if there are any changes, they will call you and offer them.to you. There would be no problem to change option. I was told to sign up for program and then change when available. 
Do not trust this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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

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 2021-11-11
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a natural person sending this notice by my self Correction of billing errors on my open ended credit plan The a ledged debt is {$970.00} I have been a member with CITI CARDS since XX/XX/XXXX I receive a statement each month that is incorrect I was born with a bond that secures all my public debts a.k.a open ended credit plan I am simply demanding a correction My account from CITI CARDS is an open end credit plan. 15 U.S. Code 1602 ( j ), an open end credit plan is a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance.

12 U.S. Code 84 Lending limits ( 4 ) Loans or extensions of credit secured by bonds, notes, certificates of indebtedness, or Treasury bills of the United States or by other such obligations fully guaranteed as to principal and interest by the United States shall not be subject to any limitation based on capital and surplus.

18 U.S. Code 8 Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

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 2021-05-15
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
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:
This student loan was in a repayment plan up until XX/XX/XXXX when I was told that the remaining debt was considered satisfied for less than the full balance following the plan completion. My parents received collection letters beginning in XXXX for an outstanding balance but I was never directly contacted. When I contacted Aspire Servicing Center about an outstanding balance of over {$1100.00} spanning 3 accounts in XX/XX/XXXX, I spoke with a representative and informed them that I had already paid off the balance following a repayment plan ending in XX/XX/XXXX. At that time, Aspire informed me that their legal team would investigate the account. Upon completion of the investigation, they informed me they would cease collection activities. I did not pay this account off in XX/XX/XXXX since it was already paid off as of XX/XX/XXXX, so the credit reporting incorrectly reflects the account as in a collection status from XX/XX/XXXX through 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 explanation
Consumer complaint received 2021-05-16
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: TX
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:
Ive just reviewed a copy of my credit report and to my surprise, have found that the following information is reporting inaccurately. Please remove this from my credit report within 30 calendar days. Ive been informed by council that if you can not complete your investigation in 30 days, then these disputes must be removed by default. Here is the information that I need removed. 

XXXX XXXX XXXX  3 late payments Late payments are illegal & should not be reporting on my credit report under law 15 USC 1681 A Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: SYNCHRONY FINANCIAL
State: KY
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:
I received a Walmart Mastercard/SyncB credit card in the mail to my home address onXX/XX/2019. 
This card was opened fraudulently, apparently on XX/XX/2019 ( possiblyXX/XX/2019 ). 
I call the credit card company number listed in the letter that came in the mail with my credit card. My call was on XX/XX/2019. I was connected to the company 's fraud agent. I informed the company that the credit card was opened fraudulently and without my knowledge. I asked the account be closed immediately and the company investigate this identity theft. I was told the account would be closed immediately, and I will receive a letter from the credit card company for follow-up. 
I am now writing this complaint to CFPB on XX/XX/2019.  As of XX/XX/XXXX US mail, I have not received a letter from the credit card company. My understanding this was for me to provide further written information for their investigation. As of XXXX ( EDT ) on XX/XX/XXXX, at least 1 credit bureau lists this account as still open. 
The company has erred twice here. First, opening an account fraudulently ( possibly with inaccurate information ) ; second, being non-responsive.

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 2022-11-21
Company: EQUIFAX, INC.
State: TX
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 XXXX has violated my rights. 
15 USC 1681 Section 602 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 without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I called Wells Fargo because someone used my debit card. Ive been sick on and off in and out the XXXX so once I got The alert I called and open claim XXXX which totaled XXXX once the claim was complete the lady told me to review my account once Im able to access my account. After doing so I saw once more transaction for XXXX which went under claim number XXXX because they couldnt update the previous claim she transferred all the information from the claim ending in XXXX to XXXX. I got statement dated XX/XX/XXXX telling me the XXXX was approve but I have another letter dated XX/XX/XXXX telling me the XXXX which is the exact same claim was denied. I called And was hung up on 6 times on XX/XX/XXXX after receiving the letter to get information on how you can approve one claim but not the other when there the same claim.The context from claim XXXX was copied and pasted for claim XXXX. I have XXXX  issues involving a XXXX XXXX which I explained to the rep impairs my memory so I had to write my pin on the back of my card, I just got out the XXXX  on XX/XX/XXXX from a XXXX XXXX then having to call to deal with this process is starting to become stressful. After 2 hours and being disconnected on several times the last rep XXXX told me the claim was denied because the transactions werent posted to my account which is different resolution than what was provided by the XXXX lady I spoke To before being hung up on by a supervisor and the letter. So not only am I being hung I also getting the run around and different information on my claim which is very alarming being theres a disconnection in information being present from a financial institution to their consumers.

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 2021-05-16
Company: CITIBANK, N.A.
State: IL
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 had a payment and it was late a few days. I immediately called to resolve and they said it would not be reported and even reversed the charges, They still reported and on some of my credit accounts have as a missing payment, which is incorrect because I resolved. I have called several times and they said it should have been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have previously sent multiple disputes regarding the fraudulent account listed on my credit report, but it appears that your organization has chosen to disregard the clear evidence I have provided, ignoring the gravity of the situation. This fraudulent account is having a detrimental impact on my creditworthiness, and your lack of action is nothing short of appalling. 
The fraudulent account details are as follows : XXXX XXXX XXXX  XXXX Remove this fraudulent account from my credit report without any further delay. 
I want to emphasize that I am fully aware of my rights under the Fair Credit Reporting Act, and your organization 's failure to adhere to these regulations will not be tolerated. If you do not comply with these demands, I will have no choice but to escalate this matter to the highest levels of authority and pursue legal action against your organization for the damages it has caused to my financial well-being and peace of mind.

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