BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is reporting an unverified account to the cras as a charged off with a payment status of past due {$230.00} which is illegal. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2023-08-19
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello! 

Barclays Bank Delaware has pulled my report without permission on XX/XX/XXXX. Ive called numerous times with absolutely no help on removing this

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 2021-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and saw a collections account from Portfolio Recovery Associates LLC. I did not recognize the debt and sent a letter to verify the debt on XXXX XXXX, XXXX, and I did not receive a reply. I again sent a debt verification letter on XXXX XXXX, XXXX. I received a reply on XXXX XXXX, XXXX, see attached. that did not contain any verifiable details of the debt. I went to the Portfolio Recovery website and pulled up an account in my name that has no information other than a dollar amount, see attached. 

I would like this debt removed from my credit report since it has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NY
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:
Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.

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 2021-03-15
Company: Aqua Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into a contract with XXXX XXXX XXXX to which a loan contract was agreed to in which they would pay that loan in exchange to use my home as a XXXX XXXX. 
The loan was to be paid by a check paid by XXXX giving me a check for {$1500.00} to pay the {$120.00} into XXXX months and was to be paid XXXX yrs or 60 months which XXXX assured to be paid off. 
I never aware of any loan by Aqua Finance or signed a contract with Aqua Finance. I never consented to an account with XXXX XXXX XXXX. XXXX has closed its office here in XXXX XXXX after moving around to different offices, making it hard to track them down. 
They have XXXX complaints against them with the XXXX and a ( F ) ratingXXXX has vanished. And no longer responding to Emails. All phone numbers are disconnected and are no longer issueing the {$1500.00} checks. I upheld my end of the Bargain and Contract with XXXX and never signed any Loan Agreement with Aqua Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: BARCLAYS BANK DELAWARE
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 status incorrect

Complaint:
BARCLAYS ACT # XXXXX XXXX 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED BARCLAYS ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....

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 2021-04-20
Company: LINCOLN MORTGAGE COMPANY
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: Old information reappears or never goes away

Complaint:
During my stay at two communities, one in XXXX XXXX and one at XXXX, XXXX, I was incorrectly charged for services. I was charged when I was " evicted '' however, mail was received there, and never given ; due to XXXX agendas. 

When I left XXXX at XXXX XXXX XXXX it was due to XXXX related injuries. While away another student, XXXX XXXX occupied that unit. Both of us are XXXX males and look similar. When I left the community I told the Dean and a student whose family owned the property why I left. The Dean ignored my request, due to XXXX and the student said her family would take care of it. 

After I left, I was billed, repeatedly from the same community which is also the owner, or business agent of the XXXX XXXX location. However, XXXX used the wrong name and background information to claim the same bills on the same account. I was then " evicted '' however, each time I returned for XXXX gifts to myself I was denied access to the unit. 

Additionally, I attempted to begin multiple businesses at my XXXX residence through the community and a car dealer. In both instances I was denied for an unexplained reason. I assume it was due to XXXX and race, but when I submitted the complaint to the XXXX, XXXX XXXX XXXX, led my XXXX XXXX, and other institutional agencioes, my investigation requests were denied. 

Per 1L contract law, the contract drafter is responsible for faults in contracts. Just like debt collection. Therefore, I can't be held responsible for an incorrect name, an incorrect credit grant, and lies or cover-ups to get payment for services inadequately rendered. In XXXX I said I needed a quiet community for work, there was loud construction daily. Nuisance related to XXXX. In XXXX, I wasn't even there, due to XXXX, therefore, XXXX, who data breached my information, per an XXXX credit check, can not, must not and shall not continue to charge me for inadequate information. However, each time I need a car or access to new credit these histories show up and damage my credit further on each pull. 

The only proper action in all these instances of leaks, lies, and deception on the parts of the agencies, actors, and quasi-governmental institutions is to remove any and all instances or admit fault in investigation. 

Regardless, I tried at least 5 times with each one for resolution to their imposed lies and deceit. Most recently, with XXXX yesterday morning, and I don't go back to XXXX because each time they tend to call the police. 

Remove these and all faults tied to it. Its the only plausible and equitable solution, short a suit under the FCRA, ADA, and Bill of Rights.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citigroup has decided to make banking decisions on social policy rather than on sound business decisions. How can banks deny banking services to perfectly legal businesses? 

With all of the highly personal information that banks collect ; how long before they start enforcing their social policy on consumers? I think the banks that had such poor policies that they required almost {>= $1,000,000} of US taxpayer money shouldn't be trying to push legal businesses out of business. 

We need all banks to follow the laws that apply to they and not be listening to fringe groups that encourage them to break the laws of banking. Americans need you to come down hard on banks that aren't following laws and policies that are meant to protect ALL legal businesses and people in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: GOLDEN 1 CREDIT UNION, THE
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 received a letter dated XX/XX/2023 from Golden One Credit Union offering me a Loan Modification due to me being laid off from my job in XX/XX/2023. 

I was told by their XXXX XXXX XXXX. to NOT MAKE MY XX/XX/XXXX payment and to follow the modification schedule and make my next payment on XX/XX/2023 for the amount of {$320.00}. I made that payment prior to XX/XX/XXXX and the payment was not reported to my credit report and my account did not show current. Instead XXXX XXXX decided to report my account 60 days past due. Even though I made my payments according to their modification schedule. 

Golden one has ruined my credit by reporting my Auto Account 60 days past due and they refuse to fix their mistakes. Since then I have made a {$650.00} payment to bring the account current and cancel their loan modification agreement. I would never agree to a loan modification if I knew they would continue to report my account delinquent while I'm making payments. 

This is violation of the Fair Credit Reporting Act and another example of banks abusing their powers with unfair and deceptive practices. My account was always current over the years until I was laid off due to a mass layoff by my employer in XXXX. That is the only reason I asked for help and they offered a modification agreement.

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 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was given a check to be cashed as was what was supposed to be a Commercial video for a company for Bitcoin, and found out that the check they sent to me was fake by the bank ; it was a total scam, and the individuals who had me to post the check made this out to be a " commercial '' that I was to act in ; I checked their website, to see if they were legitimate, and they appeared to be ; however, the bank informed me that the check I cashed thru them was fake and that I owed XXXX to them. The bank was Bank of America, in XXXX XXXX, and they did not want to help me at all ... ..but my bank, XXXX, isn't in XXXX XXXX , so I needed to use BofA to cash the check ... ... ..All the while, these individuals who had sent me information on what to say, what to do, and where to go were nothing more than scammers who from the start, knew what they were doing, and did not care that even though I checked them out, were still scamming people over bitcoin.

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 2020-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$470.00}, {$0.00}, {$450.00}, {$470.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$450.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I have an account with chase bank in I recently had a XXXX transfer from a friend that owed me money a XXXX  and XXXX days past and the individual went and disputed it with their bank, knowing the fact that this is a valid charge the individual went and disputed it with there bank, saying it was fraud. This is not a fraud charge. This is a complete valid charge. This person knows me and owed me the money. Im really confused on why this individual went ahead and disputed it now I have no access to my funds for my account. I keep on calling Chase to see if theres any way possible to have access to my phones and they are telling me. I just have to wait until the dispute is completed on the XXXX business day. Im just really XXXX  because I have no access to my funds and my check is getting deposited to my account and I feel like he is not helping me out at all trying to have access to my phones. All Im asking is for some kind of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-07-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - Bankruptcy XXXX  XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX  XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In 2020 Wells Fargo allowed me to a COVID forbearance during the pandemic. I am not working due to the nature of my job. When I called to start making regular payments when the forbearance period was ending and asked for the paused payments to be paid back at the end of the mortgage I was told the ENTIRE forbearance amount was due in a lump sum. In no way is this a relief program if I'm expected to pay it back in full. I was told verbally when requesting the forbearance I would be able to push the paused payments to the end of my loan. 

I am still not working but am making the effort to make my regular payments and Wells Fargo once again is not willing to understand special circumstances which none of us have ever been through. 

My regular payments are $ XXXX. Wells Fargo is expecting me to pay {$29000.00} when I haven't worked since XX/XX/2020. I get {$450.00} every two weeks for unemployment and that barely keeps the lights on and the groceries purchased.

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back in XX/XX/2019, I disputed an inaccurate account on my Transunion Credit Report which is hindering my scores and my process to purchase a home. They are reporting a Chapter XXXX Bankruptcy on my credit file. They sent me back a letter stating that the information was verified by the USBK COURT OF XXXX XXXX. However, when I sent a letter to the USBK court asking their procedures on verifying or furnishing information to Transunion. The Court sent me a letter back stating they DO NOT provide information to credit reporting agencies. 
Furthermore, I have provided examples on where appellate courts have found the use of automated or XXXX verification or legally referred to as 'Data Conformity Review ' of a disputed debt is unreasonable, illegal and in violation of the Fair Credit Reporting Act. 
So now, the question becomes how did Transunion verify an account that is inaccurate at the very least? 
I ask that Transunion remove this inaccurate information and account from my Transunion 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 explanation
Consumer complaint received 2022-11-27
Company: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
As an international scholarship student undertaking a XXXX XXXX in Education with XXXX XXXX XXXX, MD, and with the assistance of the University 's International Office, I opened an account with BB and T in XXXX, Maryland in XX/XX/XXXX. When Covid 19 happened, I returned to XXXX in XX/XX/XXXX and finished my XXXX online. 
Truist has taken over BB & T and I have been trying on a constant basis since XX/XX/XXXX to close this account with emails sent to various Truist staff members most of which went unanswered. XXXX XXXX replied to me on XX/XX/XXXX seeking " the branch where the account originated and he would seek the XXXX XXXX to begin the process ''. I replied to this email on XX/XX/XXXX providing the information sought but heard nothing. I also made an appointment online with XXXX XXXX Truist Branch to call me on XX/XX/XXXX but again no call was received. On XX/XX/XXXX, I made 4 different telephone calls to Truist XXXX XXXX XXXX XXXX with my initial conversations on the first 3 calls being terminated by Truist. On the 4th call, I had a long conversation with XXXX however I still have not been successful in getting my account closed and funds remitted to me. Additionally I sought a credit reference from her and this has not been provided either. I have pursued every avenue open to me from XXXX to contact Truist and get matters resolved. I obviously can not go to Maryland to do an in-person closure- all I want is to have my account closed, to have the monies remitted to me here in XXXX and to also have a credit reference provided 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