BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MA
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX XXXX XXXX  is reporting inaccurate information on WELLS FARGO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: Kimball, Tirey & St. John LLP
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect information on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Loan # XXXX After suffering a job loss and a reduction in salary, my wife and I filed for a forbearance from XX/XX/XXXX to XXXX of 2020 ( due to Covid ). In XXXX we started making trial payments in a modification program. I was told there would be XXXX  monthly payments, then the modification processed. We made those XXXX payment in full, and on time. after a series of delays, with no reason, we got paperwork in XXXX. We waited for months. Continued to make payments as directed. In XXXX, due to a 'mistake ' we were told it was denied and had to start over. After a series of escalations it was 'prioritized '. In XXXX, a year later, they finally processed the modification. However they immediately reported me as being a month behind, and reported me to the credit agencies, dropping my score over a 150 points. After more escalations, they confirmed they had misapplied a payment, and 'fixed ' this. They claimed they would fix this with the credit agencies. Weeks later, my credit is still XXXX points lower, and they continue to 'confirm ' when I dispute the data with the credit agencies, despite me making every payment. 

I have escalated numerous times to SunTrust executives and the CFPB. This got me a contact with a 'client resolution specialist, XXXX XXXX ' who no longer returns my phone calls or emails. I just want them to report on my credit accurately, or remove entirely if they can't fix it. This is costing me thousands in increased interest and other financers increasing my interest or reducing credit based on SunTrust 's errors.

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 2019-12-13
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: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2023-06-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a bonus promotion from Citibank and on XX/XX/2023 I funded my savings account in the amount of {$75000.00}. Prior to funding my account I called to ask whether the money had to go into checking or savings and were told that it did not matter. Hence, money was sent to the savings account. I was advised that the money had to stay in the account for at least 60 days but could be taken out after that. I was further told that I had to keep {$1500.00} in that account to avoid getting charged a monthly maintenance fee and to prevent my account from being closed. 

I kept receiving messages that my checking account would be closed if no money is deposited into it. I called Citibank on a recorded line and was told I could just let the checking account get closed and that I only had to make sure that my savngs account would remain open to receive the {$1000.00} bonus by XX/XX/2023 ( latest funding date ). 

After continuing to receive messages that my checking account would be closed if no money is deposited into it, I called Citibank again and it was confirmed to me by the service representative that I could allow the checking account to be closed without this affecting my bonus for which I have already qualified. There are recordings from Citibanm of this that can be subpoenad. 

I have patiently waited until XX/XX/2023 to call and find out why I had not yet received the promotional bonus amount. I was told by one representative that this was because my checking account was closed. He was supposed to file an inveatigation but then hung up the phone on me. I followed up my call with another call and another representative assured me that I had met the terms of the agreement and that she would submit an investigation complaint. Today on XX/XX/2023 I called Citibank after having received no news from them regarding the investigation, and I was told that my request was denied because my checking account was closed. I told them to check the recordings of the calls with all of their representatives, since I have been calling ad nauseum with requests to confirm when it was okay to move the money out of savings and whether I needed to keep the checking account open. However, the supervisor told me that a decision was made by the bonus department and they are sorry but this is what it is. 

Please let me know when you need the account information, and other data to identify my account and to help look into this matter.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO CARD SERVICE opened XXXX XXXX, 2018. Per FCRA, reporting must be 100 % accurate or the information must be 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( All Accounts ) 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

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 2023-10-31
Company: Block, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been using CashApp to provide an intermediary for a friend who can not access her own account. She provides XXXX for the public and they pay her through my account. She is the sole earner in the family as her father is sick. 
CashApp was allowing transfer to her wallet until a few weeks ago when apparently a client complained and demanded her money back. Without explanation they completely suspended my account. I filed with the XXXX a few days later they reopened the account again with no explanation. Last week they stopped honoring the wallets again and only said they were not acceptable wallets ( had been used before ). Today they simply closed my account without explanation. I filled with XXXX. I feel that CashApp actions are arbitrary and capricious. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Account opened in my name without my permission. 
Perpetrator used my correct name, address, DOB and SS number. 

XX/XX/23 account at BELK/SYNCHRONY attempted to be opened XX/XX/23 account at XXXX XXXX  was closed by me after I found about it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by XXXX points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with 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 2023-06-19
Company: Cottonwood Financial Ltd.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my credit there are false information name, birthdate, addresses, credit pull. And false credit on my credit. Please remove these items. 
I did not authorize my credit to be pulled or and companies for collection under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been struggling with XXXX XXXX and than XXXX since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a XXXX XXXX XXXX XXXX all XXXX, XXXX, XXXX, XXXX I had all XXXX  XXXX XXXX  XXXX and couldnt leave the house I was in and out of the hospital.XXXX  stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with XXXX  they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no XXXX XXXX nor XXXX was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.

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 2021-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by XXXX points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX account # XXXX ; Original account # 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 an account without my written instructions.

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 2023-02-21
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:
XXXXXXXX XXXX is reporting multiple cards that are not mine. Multiple account numbers, with delinquent statuses. I have tried to dispute this with the credit reporting agencies, but there has not been any changes. I am hoping that this submission will get me the results that I am expecting. I am a XXXX XXXX XXXXXXXX XXXX  and I am trying to move forward in life, but theses inaccurate accounts are holding me back. I just want this remove so I no longer experience embarrassment and anguish when looking to apply for a new car/home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It was {$170.00}. I told them that Ill be able to pay when Im able to find a job but they came to a conclusion that Im not trying to resolve this debt. I felt that they were harassing me on this situation.

Company response to consumer: Closed with explanation