BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I signed up for a Citi Bank card and and have been trying to pay it off for years. I have paid thousands of dollars and because of the interest rate I am unable to make any progress. I have reached out to the company multiple times and have either been told someone will call me back and never does or that there is no option for me at this time and they want me to call back after the next cycle. I have tried desperately to make payments or lower interest rates but have been unsuccessful.

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 2022-02-03
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I am a victim of identity theft. A credit card accounts has been opened using my name and SSN When I was overseas for the last 13 years. 
When I discovered the fraud I contracted the bank to stop the account and filed an FTC and police report. 
When I asked the bank to send me no responsibility letter because I did not open the account and the charges on this account happened when I was abroad the bank is refusing to do so. 
Again I did not open this account and did not give any authority to any one to use my name to do this fraud. 
Information on this account like phone number and email address doesn't belong to me

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 2022-12-31
Company: EQUIFAX, INC.
State: MI
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:
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.XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: WLCC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
In XX/XX/XXXX I took out a payday loan in the amount of {$1500.00} from Explore Credit. XXXX I revoked the rights for XXXX payments. On XX/XX/XXXX, Explore Credit sent an email confirming the revocation of XXXX payments. Fast forward to XX/XX/XXXX. An unauthorized payment of {$50.00} was taken from my account which resulted in an overdraft. On XX/XX/XXXX and other XXXX  payment came through my account t in the amount of XXXX with another overdraft fee. Although, in short order, the XXXX was returned to my account. This is against federal law. Penalties should be enforced plus my loan forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I tried to put a freeze on my credit.I do n't want ANY loan or credit issued in my name for any reason.I could not get it done.I called XXXX and XXXX, they were great, they got it done.Now we get to the problem Experian, These clowns need to get into the 21rst century.You can not reach anyone by phone or email.If these XXXX think I am goingn to send ALL my info by mail, in one envelope, They need to get in step with the industry stars.They need to read the definition of customer service.And Snail Mail is not service or SAFE.How can I rectify this roadblock.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 2020-05-06
Company: EQUIFAX, INC.
State: TX
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:
I took a look at my credit report and I saw accounts being report inaccurate and is hurting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX was flooded and looted and I had to abandon the apartment. Somebody got a hold of my credentials and debit cards and credit cards and repeatedly committed fraudulent transactions depleting all of my Wells Fargo Bank accounts. Wells Fargo Bank allowed fraudulent charges and fraudulent transactions for almost two months beyond account limits without interruption without alerting me or flagging the accounts. XXXX XXXXXXXX accepted responsibility for the financial fraud. XXXX has accepted responsibility for the financial fraud. I submitted DC police report XXXX. Wells Fargo Bank had not accepted responsibility for the financial fraud they allowed. Wells Fargo Bank contracted with me to hold me harmless of the financial 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 explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: GA
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:
Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX 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 2022-12-31
Company: Uplift, Inc
State: MN
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:
And this is why This dispute comment takes the account out of being factored into the XXXX XXXX, so if an account with a negative history gets its dispute remark removed, then the XXXX XXXX may go down. On the other hand, credit scores may go up if the dispute comment is removed from a positive account. 

Come on XXXX and uplift I can see what youre doing. You are breaking the law! 
This information will be used when lawsuit is filed You XXXX want to play a game XXXX with me and watch as of Tuesday or Wednesday lawsuit will be file on your XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX and XXXX of 2019 Wells Fargo Bank allowed fraudulent transactions and charges to all of my accounts without interruption repeatedly without alerting me or flagging the accounts. My apartment was flooded and looted and I had to go to New Jersey from Washington DC. I submitted DC police report XXXX. All cards and I D was in apartment at XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX. Wells Fargo Bank keep saying I should have been aware of the fraud. I disagree and DC police report XXXX shows the fraud. I would have been aware of Wells Fargo Bank had alerted me of the repeatedly fraudulent transactions and charges.

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 2023-05-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I went to a website XXXX to buy 2 pair of running shoes and paid via paypal credit. Something didn't feel right during the checkout process but I continued given it was via paypal and they claim I have buyer protection. The purchase was made on XX/XX/2023 for XXXX. 

2 days later after not hearing anything from the company or being able to speak with them I reached out to paypal to dispute the transaction telling them I believe this to be a fraudulent merchant. PayPal immediately closed and denied my claim twice telling me this is not their issue and I need to pay them the 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 monetary relief
Consumer complaint received 2022-12-31
Company: Marcadis Singer PA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Marcadis Singer PA is in violation of my federally protected consumer rights according to 15 usc 1692e ( 3 ) a debt collector, in collecting a debt, ( Which Marcadis Singer PA is trying to collect an alleged debt ) may not use any false, deceptive or misleading represent or imply that he or she is an attorney or that communication is from an attorney. 

Further, as per judgement made in the case of XXXX XXXX XXXX XXXX XXXX XXXX, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer- debt collection activity, even when that activity consists of litigation. Thereof, as per judgement mentioned herein, your firm is liable as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Nelnet, Inc.
State: CA
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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Our mortgage was bought from XXXX XXXX to Carrington Mortgage in XX/XX/XXXX. Sometime in XX/XX/XXXX we missed a payment. When we received a letter from them, we looked back through our records trying to find where we messed up. We kept getting late notices and we were sent to collections every month. Carrington also sent notice to the credit bureaus. We spoke with Carrington several times and everytime we got someone on the phone, they were having computer issues or " would put on note on the account ''. We spoke with a knowledgable lady at Carrington and she told us that they keep putting our funds in a " reserve '' account if the check we send in is for an amount different from the amount owed. Even if the money was sent in on time, it would be put into a reserve account, they would charge us a late fee and send us to the collection bureau. Everytime we call we get someone who doesn't speak XXXX well, or doesn't understand what we are saying. I called on or approximately on XX/XX/XXXX for the same reason. {$1100.00} was sent in and it was placed in a reserve account. We asked to have a face to face meeting with someone to go over where the error is and find a way to fix it and we were told there is no one within 200 miles. Carrington was going to email us copies of all payments made from the time they bought our loan until now but of course the computers were down and they could only mail it. I just received them this evening of the XX/XX/XXXX. Due to all of this, our credit has been destroyed. Everytime we think we are caught up, we end up going deeper in the whole and can not get a straight answer from anyone. Also, I tried speaking with Carrington Mortgage several times about PMI insurance. When we bought our house in XX/XX/XXXX, our mortgage was {$1100.00} and that included PMI. Our mortgage payments now are {$1100.00} and they claim we are no longer paying PMI. If we are no longer paying PMI, why hasn't my mortgage payments dropped? No one can give me an explanation for this other than I am not paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
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: Account status incorrect

Complaint:
I leased furniture from XXXX XXXX in XXXX and returned it/had it picked up XX/XX/XXXX. After that the store closed but they never closed my account out. They actually have me in the SKIP TRACE system stating I never returned their furniture which means if I wanted to, I can't lease furniture. In XX/XX/XXXX I got in touch with the District Manager XXXX XXXX at XXXX XXXX and he said he didn't have record so I sent him the copy of the receipt from when they picked the furniture up. He then sent me a letter stating my account balance is {$0.00}. Since then they have not taken it off my Experian and XXXX credit reports and have not taken me out of the skip trace system. I keep reaching out to XXXX and not getting a response from him or anyone else at the company. I'm trying to get a mortgage and this it making it hard because it's hurting my 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 2023-06-19
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: Account information incorrect

Complaint:
All 3 credit bureaus are reporting and have reported 38 say late payment on one of our XXXX account. 

Due to extreme high interest rates and our retirement income low, we consolidated our 3 large credit card debts in to a reasonable payment with year payoff of the {$30000.00} debt. 

Credit card companies, without cause of anything we have done, elected again to put rate up to 25 %. With a FICO score of XXXX, and local bureaus score of XXXX, we have earned rates under 6 %. Without cause these three cards XXXX XXXX XXXX, and XXXX XXXX went from low to 25 %. We asked for reduced rate based on our years of in time payment history. Home and motorhone on time payments ( motorhome interest rate 4.5 % shows we had great credit.. 

Due to a clerical issue when we consolidated loans. One of the XXXX XXXX loan payment was 38 days from our early payment before consolidated loan payments started. Late on billig date 1 day. As soon as we saw we fixed the accounting with XXXX XXXX XXXX 

There was NO 38 day late only 38 days from previous payment date. 

To add to this incorrect defaming action on the 3 credit bureaus. Our credit scores dropped from XXXX FICO and local bureaus XXXX to XXXX. With on time payments for years. The bureaus are not reporting length and number of accounts, and all ontome payments to punish our great record. 

Attached find ambiguous reporting. Punishing words unfounded, lies, total fabrications to punish great payment and credit responsibility. 

Totally irresponsibility on the part of these companies required to reporting truth.. i will attach some screen shots shoeing as much as I can.. more upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: JPMORGAN CHASE & CO.
State: AL
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 AND JPMCB HOME are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great  XXXX and XXXX  to were I may need to be seek XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance the fair credit Reporting act XXXX Account # 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 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-06
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:
alot of invalid information is not allowed on my credit report. I am interested in disputing all incorrect information on my credit report with Equifax. it appears to not be accurate on all 3 credit files. please remove an update all the incorrect information to make my credit clean.

Company response to consumer: Closed with explanation