BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : 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 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 XXXX XXXX XXXX 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX : XXXX ( Agent/ Beneficiary ) All right reserved without prejudice Enclosures : Identity Theft Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: TX
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:
show tooltip button XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX   XXXX XXXXDispute XXXX XXXX BANKDispute XXXX XXXX XXXX MORTGAGEDispute The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. The bureau also found that the bank violated the CFPA in how it charged certain borrowers for mortgage interest rate-lock extensions.XXXX XXXX, XXXX Trusted XXXX To Pay {$12.00} XXXX For Violating Consumer Protection Laws

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Issue # XXXX Loan repayment I requested a loan repayment in XXXX of XXXX. Wells Fargo prolonged my request by requesting the same documents over and over. Now we have a approval after XXXX. The approval was a complete modification with a changed interest rate ( 3 % XXXX % ) I have already made my XXXX XXXX payment. 
Issue # XXXX Insurance Check XXXX XX/XX/XXXX my bathroom flooded. 
I put in a insurance claim, my insurance wrote the check to me and Wells Fargo. I was told to take the check to Wells Fargo and they would sign and release the check. I did but Wells Fargo would not sign the check because they said quote on quote " WE ARE TREATING YOUR LOAN AS A MODIFIED LOSS AND WANT YOU TO MAIL US THE CHECK ''. My modification was already approved and my XXXX payment was made and on time. So you are discriminating against my loan because I have a MODIFIED loan?? This was said to me on a recoded line. I had water damage and Wells Fargo wants to hold my check to see if I'll default in my modification so they can apply my check to the loan. My repairs are on hold because I can't pay my contractors because Wells Fargo wants to hold my check instead of allowing me to repair my home.

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 2022-11-09
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2019-10-16
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: Account status incorrect

Complaint:
On XX/XX/2019 I was involved in a auto accident that totaled my vehicle as determined by my insurer XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was sent a letter notifying them that XXXX would be paying off the balance of the loan. XXXX XXXX sent me an email notifying me that I did not need to make further payments on the account. I called XXXX XXXX to discuss the email I had received and they assured me that no derogatory information would be sent to the credit bureaus during this process. It is now XX/XX/2019 and XXXX has not paid XXXX XXXX and XXXX XXXX has reported a late payment to the credit bureaus dropping my credit score from XXXX to XXXX. There consumer relations group is worthless in trying to resolve the problem. My next step is to file a Federal Fair Credit Reporting Act Lawsuit against 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 2023-06-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing this email to you regarding an investigation and dispute that was closed by Citi XXXX XXXX on XX/XX/XXXX I recently became aware of fraudulent charges that were being placed on my Citi Credit Card. I called the number on the back of the card and reported it. 

My card in question, was cancelled and Citi issued me a new card while the Citi investigation took place. 

On XX/XX/XXXX I received a reply from Citi XXXX XXXX that stated that the investigation was completed and the dispute closed. It also states that I had given my account information for a series of purchases from the merchant and that Citi didnt consider this fraudulent activity. 

I had clearly explained the fraud to XXXX XXXX, I also offered supporting documentation showing the fraud. On XX/XX/XXXX, I responded to an email that said I had won a smart watch, one comparable with an XXXX XXXX. All I had to do was pay shipping. 

The website it took me to to collect my free watch was XXXX, At this website I was introduced to all the wonderful features of this XXXX XXXX XXXX. Being that I was recovering from a XXXX XXXX I had while also having XXXX, I figured that I could use the many medical tools it claimed to provide. I decided to pay the shipping and accept the free watch. 

This took me to a check out page. XXXX. On this page you input you credit card data and shipping address. No where on this part of the screen does it state or make you aware that you are going to be billed again. ( Please type them in to your browser or I can send you screenshots ) Apparently, this company uses this rip off product to enroll people into some sort of service that does not exist. ( See trustpilot reports ) Its called XXXX XXXX XXXX XXXX. This rip off company sends you a defective, cheap product, does not advise you that they will be billing your credit card for eternity and at will. And to top it all off, you never receive anything or any coupons or service of any kind. 

This my friends is fraud. You must clearly show that you intend to rebill, this fraudulent outfit billed my Credit Card at will for over a year. I did not agree to any such billing and worse is to receive a letter from Citi telling me its not fraud! 

I have some serious misgivings over the so called Security offered by Citi and the treatment I received. To continue to allow what Citi calls a merchant to operate in this fashion is protecting criminal behavior. 

Citi let me down, to the tune of {$810.00}. I am asking for reimbursement, and I am also asking that this fraudulent merchant is shut down from their rampant crime spree. 

Respectfully,

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 2022-04-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had a promotional balance to be paid off and I called the company to ask what I needed to pay and the person told me. I paid it and now they are trying to charge me a back interest. The company is Wal-Mart, synchrony bank. I have dates when I called them.they hung the phone up 2 times today XX/XX/XXXX. The first time is when they was suppose to transfer me to a supervisor and the second time when I asked for a supervisor they started saying they couldn't hear me and hung up. But they was hearing me fine until I asked for a supervisor. The promotion was due XX/XX/2019 XXXX dollars and some odd cents and I paid XXXX dollars on XX/XX/2019.they are charging me XXXX in back interest.i spoke with the agent on XX/XX/2019 and they told me what to pay. They are suppose to record these phone calls.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX : XXXX. XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX. 
Account XXXX Account Name : XXXX XXXXXXXX XXXX Account 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 2020-03-10
Company: ALLY FINANCIAL 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:
Ally Financial bank is reporting on my personal credit report, but this account belong to a Person named XXXX XXXX  XXXX. I have a few letters in my file that show that on the XXXX of XX/XX/2018 they sold this account to XXXX XXXX XXXX, but together they sold also all my personal confidential informartion as SSN, phone number, mailing adress etc etc. I contacted Ally and 2 representative told me they couldn't find any account in their file under my name. I have disputed this account true the 3 mayor credit agencies many times but Ally Financial denied to delete this account from my credit report. I have requested in previous ocations to send me the original signed contract of this account and also any document that shows they have the right to sell my personal information. Till this day no response from them. I DISPUTED XXXX  AND THEY DELETE THEIR ACCOUND FROM 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 explanation
Consumer complaint received 2018-02-13
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attempted to make payments and as of the last time I spoke with the XXXX XXXX customer service in XX/XX/XXXX my accounts were paid and in good standing. When I would log into my XXXX / Synchrony Account card online it reflected a minimum payment that was due in XX/XX/XXXX but did not reflect any other issues or delinquency with the account. Then one morning I woke and my credit dropped 90+ points and stated my XXXX/Synchrony Financial Card was past due - so I logged in online and again it reflected a current account. However, I paid an amount to determine if it would move out the due date, it did. I made a payment and it reflected a due date of XX/XX/XXXX.  When I attempted to contact their collections and customer service department they just kept arguing with me and telling me this is collections and my account is current - then they advised they haven't rec 'd a payment from me for months. I advised them to check their contact records because I called and set up payments with them and have not heard from them until I noticed my credit was impacted and paid right away. They co n't to try to transfer me, talk over me, argue with me and ended by just keeping me on hold.

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 2021-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
fcra violations not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax 's automated telephone tree has some kind of loop requiring me to validate my identity repeatedly in order to speak with a representative about my dispute. I went through their validation process three times without reaching a representative. I was told I had successfully validated my identity, then asked to validate my identity. Additionally, each validation required me to receive a code over SMS, and I needed it resent several times before I received it. All told I spent half an hour repeatedly validating my identity until I gave up and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: UT
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 a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have my own business and have had for several years. As a business owner affected by the COVID 19 pandemic, I took advantage of the Paycheck Protection Loan for myself as an employee. When my funds deposited, I was told by the teller that the deposit " did not look right ''. Additionally, a bank employee went out to my car to take down my license plate number. I have been banking with this credit union since 2018. Needless to say, i felt profiled because I am XXXX american. Funds were frozen and XXXX being sent back to the XXXX Every time that I provide what is requested of me, I am told to provide something else. I have already signed a promissory note legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/XXXX, regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.

Company response to consumer: Closed with explanation