BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo offered the covid relief where during the pandemic, i could defer my loan payments, due to pandemic related financial issues. 

I took them off on the offer, due to me being a single dad who works at a XXXX  keeping this state and country safe ... ..and needed the additional assistance for medical costs, food, and child care... 

SO in XXXX, XXXX, i started to repay on my loan and have done so ever since ... now they are claiming that I owe the full mortgage amount owed and will not tack it on to the end of the payments. I am aware that I owe the escrow amount that was deferred and I am ready to pay that, however I now see this as an attempt to steal my house... 

I went into their plan for covid relief needing the assistance and now, im backed into a $ XXXX hole ... if I couldn't afford expenses during pandemic, how exactly am i going to be able to pay XXXX lump sum? This is fraud .... nothing more than a banking institution offering one program and not following through on it.

They have me fill out a hardship application and are saying they are going to help me, but I do not believe them at all ... .. My house is worth almost twice as much of what I owe on the full amount. 

They are trying to steal ; my house ... ... .. that i can easily afford now that I have a better financial situation since XX/XX/XXXX... I have made every payment since then...

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 2021-12-16
Company: EQUIFAX, INC.
State: TN
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:
Please remove these items off my report I have disputed these items a couple of times it has been on my credit quite a while please look into this matter it has not been verifying

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi Team ; I'm not sure what's going on with this XXXX XXXX account number. It just doesn't make sense at all. I personally went to XXXX XXXX because i saw a charge-off account on my credit for {$280.00}, and when i talked to a representative there, she said that it was transferred to XXXX XXXX XXXX XXXX. However, when i check all my 3 bureaus ' credit reports, it's not reporting as such. NOt only that, my the balance that's on my credit report is completely incorrect - instead of {$280.00} charge off balance, the rep said it's now $ XXXX. How is that even possible. For the last 6-9 months, i been trying deliberately to resolve the issue, but the credit bureau and XXXX XXXX continue to reply back as reporting as accurate. How is that possible? If the account is reporting incomplete, misleading, incorrect information including the balance and they failed to report who is the company that they transferred to. This is illegally reporting and it's unverifiable account. It's my understanding under the provisions of frca, that the furnisher and the credit reporting agencies need to ensure that the account is reporting 100 % accurate - well,, this is inaccurate this is in violation of the consumer laws. 

Again, here is the list of errors with this account for your summary : This account has the wrong balance This creditor does not own this account This account was sold but still reports a balance Doesnt show transferred/sold but does not say paid and doesnt have a balance Each bureau reports a different date of last activity Account has been re-aged Account disputed and nothing was sent to me to legally verify this account this is the confirmation of payment : CONFIRMATION OR ID NUMBER : XXXX XXXX XXXX XXXX XXXX {$200.00}

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: Climb Credit Inc.
State: NC
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:
I received a notification on XXXX XXXX regarding a " 90-day late payment for a student education loan. '' I opened the notification on the app and saw the following : " Climb Investco '' - last reported XX/XX/XXXX. {$3900.00} reported balance. Highest Balance is {$3700.00}. Monthly Payment is {$270.00}. Loan opened XX/XX/XXXX. Term is 15 months ( 1 year ). Payment History - " you made 63 % of payments on time ( from XX/XX/XXXXXXXX  to XX/XX/XXXX. Last payment - XX/XX/XXXX. Payment status - 60-89 days late. 

I have never heard of Climb Investco in my life. I'm not sure how my information was stolen to be utilized for a student loan. I looked through all of my credit statements regarding this and didn't find one transaction related or mentioning the word " Climb. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: AL
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:
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 XXXX XXXX15 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. 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. The following inquiries were also opened under my social security number fraudulently. 

This item is a fraudulent item opened under my social security number violating my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXXXXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The following employers are reporting incorrectly & need to be removed immediately : XXXX XXXX I have attach my driver license for future reference. Please send me notification that these items have been deleted, as well as updated.I acknowledge that the above information is true and correct.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update it immediately in my report : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 

In acgesdance with the fair credit Resort 995 act XXXX Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 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 paragra 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 ; 789 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 Please remove this account immediately Sincerely, 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 2023-09-22
Company: UMB FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is in the incomplete response to UMB alleged payment history payments XXXX to XXXX XXXX Status Submitted to the CFPB on XX/XX/XXXX Product Debt collection Issue False statements or representation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I live in XXXX XXXX, where my Citibank account was located, from XXXX until XX/XX/XXXX, when I left for XXXX to care for my XXXX XXXX XXXX mother during the pandemic. I thought it was temporary, but during the following year she became unable to live on her own, so I stayed with her while retaining my LA apartment, where I still received mail. 
I received an email from Citibank on XX/XX/XXXX with the heading " Your Account Has Been Placed in Inactive Status '' informing me " A new notice or letter about your account is now available in Statements & Documents. '' Following the " view your letter now '' link results in " Looks like there are no documents available. '' I opted for " no paper '' communication with Citibank, have accessed my account online regularly for the past year, and spoke to at least one officer to make sure my account was in good standing as I wasn't doing any banking transactions. I was assured I had no cause for concern as I was still accessing my account online. 
While Citibank sent me mailed notifications telling me that my account was in danger of becoming inactive, apparently they couldn't be bothered to contact me by email until after they made my account inactive. There are no Citibank branches in XXXX, so I can't appear in person to resolve this, and as my mother has just died, I need to remain in XXXX to handle her estate. 
Citibank has told me the only way to activate my account is to " maybe deposit some money into it, '' which was the advice I received in a chat session ( uh, no thanks - that's what ransom is ) or mail them a letter updating my address and asking for an updated last contact date, which I've sent by Priority Mail, but there's no person to directly contact regarding my account.

I want to formally protest Citibank making my account inactive when I had initiated contact on the Citibank site to check my account and download monthly statements in the past year. I can see that my having to mail them, with no ability to contact anyone specific, is basically a futile attempt to reclaim my account balance.

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 2023-08-04
Company: EQUIFAX, INC.
State: WA
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EGL US, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BMG loans at work LLC and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I attempted to Purchase clothes and shoes from an individual for {$100.00}. They made me pay them on CashApp and once I did. The threatened me and forcible removed me from their home. XXXX Police stated it was a XXXX and Cashapp refused to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
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:
The company is reporting a collection account that they no longer own and have transferred back to the cable company XXXX. I called to settle two days ago and they can not even take a payment and refuse to remove it from my credit report even though I can't settle it with them. I have to go back to XXXX and they can't gurarantee that they'll communicate the paid in full status with Sunrise. I want the Sunrise Credit removed from my report. They do not have a collection account on 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 2023-09-22
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a text message from Harris & harris for debt collector for XXXX XXXX which i dont recognize, i try to call them but no answer at the first time and try to call them at second time and no one can give me a correct answer. I tell them on the phone not to call me again. Then i receive other text message from XXXX and XXXX at XXXX XXXX  to tell me i still own them for XXXX XXXX I am being very confused because i tell them not to contact me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NY
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

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 2021-05-06
Company: ORG GC GP Buyer, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in 2018 XXXX  was cancelled ... claim by XXXX XXXX upgrade charge was due because early termination charge was due ... no update ever and no agreed charge ever took place .had the same box and service for more then 4 years contact with dish and they had no justification of charge for update which they told me they did not even want the box it was outdated and just recycle it gc services must of purchased closed misinformed account and are in a uninformed real transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: IN
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
In my dispute letter, I specifically requested proof of the VALIDATION of the debt under the Fair Debt Collections Act. I asked for the company to include documentation. The company corrected payment information, however, did not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mobile number was hacked and ported out to different operator. Reported it to Police for a Police Report. Raised a ticket with FCC and FTC. My email ID was also hacked using the hacked Mobile Number. Hackers transferred out {$2200.00} from my Citizens Bank checking account using XXXX payment. My phone number was originally associated with XXXX XXXX XXXX account through XXXX. But the hackers used the stolen mobile number and linked it with my Citizens Bank account to transfer fund out of my account. This incident happened on XX/XX/2023 and I have contacted Citizens bank the same day and raised a dispute and claim to revert that fraudulent transaction. But Citizens Bank denied the claim within 2 days without contacting me. I went to a local branch in XXXX NJ and the XXXX XXXX also contacted the internal departments. But no resolution was provided. The Bank XXXX suggested me to contact XXXX as the transaction went through XXXX. I contacted XXXX and they said, I need to contact Citizens Bank and Citizens Bank need to raise a dispute with XXXX for the fraudulent transaction. This looks like a blame game from both side without providing any support that I need. As per XXXX, Citizens bank allowed XXXX to link up my stolen Mobile Number and approved the transaction. I am looking for a resolution and want my hard earned money back.

Company response to consumer: Closed with monetary relief