BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My Citibank checking account was hacked in early XXXX of 2023. Three fraudulent checks were deposited to the account by an unknown person on XX/XX/XXXX. Four Zelle payments were paid by an unknown person on XX/XX/XXXX. I found out on XX/XX/XXXX that this had happened when I tried to access the account on my phone and my computer, and it had disappeared from the list of accounts. All of the checks bounced resulting in an overdraft of the account. The bank took over {$3000.00} from my savings to cover it. I was not aware this was going on until the damage had been done. I was not involved in any of the transactions nor do I know who did this. I have just requested my fourth investigation because I don't know what they did during the previous three investigations. I was told the information was encrypted for my protection. I have reported this to the police, the Attorney General of Illinois, and frozen my credit bureau accounts. I am very frustrated by customer service, and angry about being made to feel like a criminal instead of a victim. I would like the funds restored to my account. This has been going on for almost 4 months. I have talked to over 30 people in customer service, have been to the bank numerous times, and have a stack of letters and documents. i don't know where to turn

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 2023-05-05
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: Their investigation did not fix an error on your report

Complaint:
-Dates associated with item being disputed : XX/XX/2022 -Explanation of item being disputed : The account referenced by XXXX. XXXX XXXX XXXX XXXX is showing as a Collection, however, this account does not belong to me. This account is also not legally in possession of XXXX. XXXX XXXX, nor do they have a right to collect on the supposed debt. I did not receive the mandatory 30 day right to challenge said debt. The Debt Collection License for XXXX XXXXXXXX XXXX XXXX XXXX is described as Pending. As a result, I am currently pursuing XXXX. XXXX XXXX in legal proceedings for this reporting. Please kindly update my report to show the Collection as removed. 

XXXX, Equifax, XXXX has not taken this information and investigated properly. Despite the lack of proper procedure for debt collection, as stated by the Fair Debt Collection Practices Act, by XXXX. XXXX, XXXX, Equifax, and XXXX has not deleted the item from my report. XXXX has only updated the amount of debt on my report based on the word of XXXX. XXXX XXXX. This collection has resulted in my inability to secure financing for a vehicle and for a home. The original creditor is being pursued for punitive damages, as well as gross negligence, despite this, this collection has been placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: United Revenue Corporation
State: TX
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:
I am demanding that the account UNITED REVENUE CORP XXXX is removed from my credit report due to FDCPA violations, HIPAA violations, and violations of the No Surprises Act. You are reporting a balance that is much higher than the balance I have with the original creditor. Any medical collection under {$500.00} is to be removed from consumer credit reports which I am sure you're aware of. I also received nothing informing me that the account I had with the original creditor was being sold. How is this not illegal and gross misconduct? I am entitled to {$1000.00} per violation. At this time, I am only requesting the removal of the aforementioned account. My email address is XXXX for verifiation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there are in my credit report inquires i did not authorize

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 2022-11-19
Company: EQUIFAX, 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:
CREDIT REPORTING COMPANY XXXX, EQUIFAX, AND XXXX SHOWING WRONG INFORMATION ON MY CREDIT REPORT. 
MY ADDRESS IS WRONG AND MY PHONE NUMBER IS WRONG, I GUESS IT'S FROM IDENTITY THEFT. THEY STEAL MY INFORMATION AND APPLY FOR SOME CREDIT CARDS. I ASK TO REMOVE ON CREDIT REPORT AGENCY ALREADY AND I HOPE THEY CAN REMOVE OR DISPUTE ON MY CREDIT REPORT. 
I'M VERY SAD AND WORRIED ABOUT MY SITUATION. I APPLY A SENIOR APARTMENT AND I FIND OUT OUT WRONG INFORMATION ON MY CREDIT REPORT THIS YEAR. PLEASE REMOVE THIS. I HAVE NEVER HARMED SOMEONE AND DONE BAD THINGS BEFORE. WHY DO I HAVE OTHER PEOPLE 'S INFORMATION ON MY CREDIT REPORT THAT IT MAKES ME HORRIBLE TIME? PLEASE REMOVE IT FROM MY ACCOUNT. I'M ALREADY SAD AND HOPELESS NOW. PLEASE DO NOT HURTS ME NO MORE. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent out Letter to Remove Inaccurate Credit Information from TransUnion, XXXX and XXXX I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Payments on Time/Never Late XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to TransUnion, XXXX and 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 2022-03-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
CREDIT REPORTING COMPANY XXXX, XXXX, AND TRANSUNION SHOWING WRONG INFORMATION ON MY CREDIT REPORT. 
MY ADDRESS IS WRONG AND MY PHONE NUMBER IS WRONG, I GUESS IT'S FROM IDENTITY THEFT. THEY STEAL MY INFORMATION AND APPLY FOR SOME CREDIT CARDS. I ASK TO REMOVE ON CREDIT REPORT AGENCY ALREADY AND I HOPE THEY CAN REMOVE OR DISPUTE ON MY CREDIT REPORT. 
I'M VERY SAD AND WORRIED ABOUT MY SITUATION. I APPLY A SENIOR APARTMENT AND I FIND OUT OUT WRONG INFORMATION ON MY CREDIT REPORT THIS YEAR. PLEASE REMOVE THIS. I HAVE NEVER HARMED SOMEONE AND DONE BAD THINGS BEFORE. WHY DO I HAVE OTHER PEOPLE 'S INFORMATION ON MY CREDIT REPORT THAT IT MAKES ME HORRIBLE TIME? PLEASE REMOVE IT FROM MY ACCOUNT. I'M ALREADY SAD AND HOPELESS NOW. PLEASE DO NOT HURTS ME NO MORE. THANK YOU.

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 2023-09-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a closed credit card with Wells Fargo Bank, Made two payments unable to pay on line due to the amount. On line banking has not changed to show that the two payments were received XXXX. On line banking is showing we still owe and I am getting phone calls about the payments. Tried calling got no help.

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 2019-10-11
Company: EQUIFAX, INC.
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:
I have disputed an error on my credit report and received the investigation results by email. File number XXXX, however I can not view the results of the investigation having an account already setup to view or make a dispute. I can not access online viewing. When clicking on the link to view the investigation results it states " we can't complete your requests at this time please call XXXX, not able to speak with a live agent. I have contacted Equifax in regard to this matter and was told it was an error and would be fixed, it still has not been fixed and there's a block on my online access. See picture photos.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a debt collection letter from Nationwide Credit Inc in the amount of {$92.00} I do not owe this debt and have no idea what it's for. 

I have contacted the XXXX XXXX XXXX XXXX and they did not provide any information about the debt on XX/XX/20

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 2023-09-22
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: USDA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
Following five attempts with XXXX XXXX to secure a loan modification, our loan was transferred to PHH Mortgage. They assured us it would be approved and proceed to underwriting, but we had to restart the process multiple times. After finally reaching the underwriting stage, our application was unexpectedly denied, and the reasons remain unclear. They're now refusing payments, and as a result, I'm forced to pursue XXXX XXXX bankruptcy due to falling behind after my wife contracted XXXX. 

I feel this whole process was designed to drag me deeper in debt with no escape. I provided everything they asked for on time and they found reasons such as oh well this isnt highlited. Unacceptable and unfair.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ok so I've been monitoring my credit for 60 days now. On XX/XX/XXXX I had XXXX XXXX collections account on my credit. XXXX XXXX XXXX AND XXXX XXXX XXXX MY CREDIT SCORE WAS A XXXX. IVE BEEN DISPUTING THESE ACCOUNTS FOR THE LAST 60 DAYS. FINALLY BOTH ITEMS WERE REMOVED ON XXXX XXXX. MY CREDIT SCORE WENT TO XXXX. THAT IS WHERE MY CREDIT SCORE IS NORMALLY AT. XX/XX/2022 EXPERIAN PUT XXXX XXXX XXXX XXXX BACK ON MY CREDIT REPORT. ONCE THE REMOVE THE ACCOUNT OFF OF YOUR CREDIT THEY CAN NOT LEGALLY PUT THAT ACCOUNT BACK ON YOUR CREDIT REPORT BY THE SAME CREDITOR. WHAT KIND OF GAMES IS THIS CREDIT REPORTING AGENCY DOING TO ME AND MY CREDIT. I PAY ALL MY BILLS ON TIME. I AM READY TO GET AN ATTORNEY AND SUE THIS AGENCY. I AM PROVIDING PROOF FROM MY ONLINE ACCOUNT TO SHOW YOU.

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 2019-06-11
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
TO WHOM IT MAY CONCERN IM CONFUSE I BEEN BATTLE WITH EXPERIAN ABOUT A BANKRUPTCY THAT ONLY SHOW UP ON MY EXPERIAN REPORT THAT IS INCORRECT INFORMATION. XXXX AND XXXX DO NOT HAVE A BANKRUPTCY SHOW ON MY CREDIT REPORT. I NEVER FILE BANKRUPTCY IM TO YOUNG AND YOU GUYS HAD TO MAKE A HUGE MISTAKE.

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 2023-09-22
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company claims that i owe {$4100.00} dollars to alleged apartment property complex with no financial proof. The company put this alleged debt on my credit report and is currently damaging 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 2023-09-18
Company: SANDY SPRING BANCORP, INC.
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX I went into the bank and a staff person filled out an application online for a line of credit for {$2500.00} while I sat at her desk. We agreed that I would send her XXXX years of tax returns to confirm my income. When she completed the form she told me that she wasnt sure she had filled out out the form correctly, so she asked her manager to look over everything. As a result, she made a few changes. After the manager left, she told me I didnt qualify for the loan. I asked her why the loan was denied and she said that there were current nonpayment issues related to my credit report. Because I was unaware of any such issues, I asked her to give me a copy of the application and a document that detailed the reasons for the denial, including the credit report on which the decision was based. She said that the bank did not allow her to do that. When I got home, I placed a call to the branch manager and got his voicemail. I left a message that included the basic information regarding my experience as noted above, and I asked him to call me. As of this date ( XX/XX/XXXX ), I have received neither a call nor any information that I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act, XXXX XXXX XXXX and XXXX XXXX services has violated my rights. 
These cards were not in my possession at the time of the accused late payments. 

Furthermore, 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 an account without my written instructions.

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.

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 2023-03-28
Company: Experian Information Solutions Inc.
State: MO
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:
It has been a battle going through all this and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. It is clear that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.

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 2019-07-11
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I started a refinance process with Guaranteed Rate for our Jumbo mortgage on our recently purchased home in XX/XX/XXXX. The purchase financing XXXX XX/XX/XXXX ) was also handled by Guaranteed Rate. 

It is 4 months later, and despite assuring me several times in the last few months that closing was near, they kept delaying for more details, despite the fact that I had uploaded/sent those details several times already. 

Each time, they kept trying to " gouge '' me for additional fees - rate lock extension fees, additional closing costs, other fees. They also increased the interest rate, despite the fact that the rates had actually dropped ( and I pointed that out! ). 

I kept going back to them and saying that this was NOT what we had agreed to, and I had the emails to prove it, and then they used that to further delay. 

Ironically, our original loan XXXX, XXXX XXXX, was AWESOME, and kept fighting with his internal team for constantly making changes that were not agreed to. He was ALWAYS available, returned all my calls almost immediately, and literally went to people personally to try to get this loan done. His hands were tied because these delays were being caused by folks up the chain and not him. And then they changed the XXXX XXXX on me without warning more than once! 

I believe this firm is trying to price gouge me - they are likely losing money on the original loan because I'm refinancing within 6 months - but lets be honest here! Rates were historically high last Fall when we bought the home, and they have dropped precipitously. I have a right to refinance at any time! 

The rules state that once an LE is given, you can't change the rates/fees prior to close. Modifying the LE each time, and adding more fees, and causing more delays, so that customers like me get exasperated and just pay the additional fees to close the mortgage should ALSO not be allowed. At least, that is the spirit of the law. 

Guaranteed Rate needs to tell the truth here, and resolve this matter, and be fined for misleading consumers. 

Timeline : ====== XXXX. File started XX/XX/XXXX XXXX. First LE on XX/XX/XXXX at 3.625 % ; XXXX. Updated LE on XX/XX/XXXX and they added $ XXXX points not agreed to originally ; XXXX. XXXX XXXX on XX/XX/XXXX and they added $ XXXX lock extension fee not agreed to.

Company response to consumer: Closed with explanation