BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX2023 I deposited {$5700.00} in the form of 5 checks from the U.S department of treasury. The next day XXXX2023 Citi Bank with out warning put a block on my account due to " Potential Fraudulent Activity ''. They were no help at the branch and said there was nothing they could do and would take 48 hours to receive a decision if they will be lifting the block or closing my account. This is extremely troublesome as I have bills to pay and have a family emergency and have to get to Florida due to a sick grandparent. I cant pay for a flight, buy grocery 's, pay my bills. To top it all off I have direct deposits that will be going into this account next week as well. I need this account reopened ASAP. This can not wait. These check were from the Treasury department for God sake. Its not like it was a personal check! Please help! My next course of account will be a class action lawsuit against Citi Bank. I don't want to have to take it that far but am prepared to do so. They have got to be better about fraud protection. I understand keeping people protected but this is absolutely ridiculous as I was able to confirm my identity. Anything you can do to help would be much appreciated. Best regards,

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 2017-12-14
Company: PMAB,LLC
State: LA
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:
Car was wrecked and was suppose to been covered with GAP coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Fay Servicing, LLC
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: Was not notified of investigation status or results

Complaint:
CFPB closed this complaint without resolution. XXXX XXXX only response was to request an account number & more information. I NEVER had an account number. This is the primary account holders responsibility. I can not get information from the primary account holder or the lender. My perfect credit is being destroyed because of this. I would have been willing to pay the amount owed had I been notified. It just shouldnt be on my credit report without allowing me opportunities to pay. I still have no idea if its current

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: FL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Early Warning Services, LLC
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:
XXXX  XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX  XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: MS
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:
Inquires were submitted in my name without my authorization. Personal Statement Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: GA
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:
I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, In XX/XX/XXXX, I went to Best Buy to get a printer. The representative informed me that I was unable to use my store card. They advised me to open a new account in order to be able to buy the printer when I questioned why, saying that it doesn't show them why. I actually did it. I just started considering purchasing my son 's duplex, and when I checked my credit report, I discovered a Best Buy late payment from XX/XX/XXXX. I had XXXX open accounts with Best Buy, and they informed me of this when I spoke with their cardmember services. The older account had a late payment on it that was over XXXX  days old. I also explained what had transpired when I entered the business, and they promised to file a complaint. On XX/XX/XXXX, I received a letter stating that they had determined the information on my credit report to be accurate. They didn't try to assist me in any way. By providing misleading information to the credit bureaus, Best Buy has violated the Fair Credit Reporting Act, and now the Credit Reporting Agencies have broken the law by providing inaccurate information on my credit report. I have no other option at this time except to file a complaint because my livelihood is currently being threatened by this issue.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention multiple inaccuracies and fraudulent activities on my credit report, which have severely impacted my financial well-being and livelihood. I have already contacted the credit bureaus involved but have not received satisfactory resolution. Therefore, I am seeking the intervention of the CFPB to ensure that these errors are corrected as per the Fair Credit Reporting Act ( FCRA ).

Fraudulent and Inaccurate Accounts : There are accounts listed on my credit report that I did not open or authorize. These accounts are fraudulent and need to be removed immediately. 

Late Payments : My credit report shows late payments that are incorrect. These inaccuracies are affecting my credit score and my ability to secure loans or other lines of credit. 

Incorrect Addresses : The report lists addresses where I have never resided. This incorrect information needs to be updated to reflect my actual residential history. 

Collections Account : There is an account listed as being in collections that I dispute. This account is illegally showing on my credit report and must be removed. 

These errors have had a tangible impact on my life. Specifically, I was unable to secure a performance bond for a project due to the inaccurate information on my credit report. This has resulted in a loss of {$30000.00} and has jeopardized my professional reputation.

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 2021-11-15
Company: EQUIFAX, INC.
State: OH
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2018-09-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment has been the same for the over 4 years since closing, ( with a variation of plus or minus {$20.00} at the most, due to insurance/taxes variations ). Since closing on the home, the mortgage has been transferred to several different companies, without me doing anything, which I understand is normal. Again- throughout the entire 4 + years, my monthly payment dues have been relatively consistent. 
XX/XX/XXXX, Wells Fargo acquired my loan from a company called XXXX XXXX. It is now XX/XX/XXXX. Up until now ( XX/XX/XXXX ), my monthly payment requirement has not changed. Upon going online to pay my payment for the month of XX/XX/XXXX, the amount due has now increased ~ {$150.00} EACH MONTH!!! After numerous  calls to Wells Fargo, to attempt to resolve the issue, I have been instructed to just pay it and they will " review '' my account ... Their explanation is they have decided that they need 2 + months " cushion '' in my escrow account ... ( why now, why all of a sudden? ) ... at this rate, this provides them with roughly {$1800.00} per year " cushion '' in addition to what has worked fine for over four years ... NONE of the previous mortgage companies that have held my mortgage have ever required this, nor had an issue with the monthly amount paid. Wells Fargo could have easily, and should have done some kind of assessment of the account NINE MONTHS AGO when they acquired the account from the previous company, and notified me of their issue then-not just out of the blue increase my payments unjustifiably almost a year later!!! I checked and verified increases in my homeowners insurance/flood, and taxes have only increased approx {$160.00} ( homeowners ) {$30.00} ( flood ) {$20.00} ( tax ) = $ XXXX/year. That's only an increase of ~ {$18.00} per month, NOT ~ {$150.00}!!! 
When someone purchases a house, car, or other major expense, they purchase according to their budget. With an additional ~ {$150.00} per month expense, this is NOT part of the original budgeted amount for a mortgage payment. In my opinion, Wells Fargo is attempting to regain funds lost in their recent lawsuits and frauds. Literally blindsiding families on a fixed budget with a SUBSTANTIAL monthly increase will not only lead to late fees, but foreclosures ... .This company needs to be put out of business for this latest unethical tactic. Please help!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
I HAVE CARRIED OUT MANAGEMENTS WITH THE CREDIT AGENCIES FOR ACCOUNTS THAT ARE NOT MINE AND I AM WORRIED THAT THEY STILL HAVE CREDIT AND I HAVE NOT RECEIVED LETTERS, I request the removal of these accounts that are affecting me and are not mine : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXXXXXX XXXXXXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been disputing some items on my credit report consistently for almost five months now and I haven't received any results or response from Equifax, XXXX or XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: VA
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 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  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: SHABANA MOTORS
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : SHABANA MOTORS XXXX Balance {$9900.00} ; SHABANA MOTORS XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Assured Financial Partners
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, my husband received a voice message from First Equity Alliance ( Phone # XXXX ) for me regarding a civil complaint ( case # XXXX-XXXX ) that was filed against me. When I returned the call to find out about the matter I spoke with a very rude lady who spoke forcefully explaining that I owed an old debt debt ( XXXX XXXX XXXX ) and that I was in the process of being sued for {$4100.00} including attorney fees. I explained to her that this debt was paid, she then stated that their client XXXX XXXX was the owner of this account which was not paid and that I may have paid this debt to a fraudulent company and she would place a courtesy hold on the process until I produce the proof and send to XXXX. After getting my documentation, I learned from my daughter that a message was left of her phone as well, regarding this same matter and the person from first Equity Alliance not only mentioned my name but frequently mentioned her name as well. So, I called First Equity Alliance back and spoke to XXXX XXXX, he also explained that the call was being recorded and that I was being sued, and that I received documents at a previous address 45 days ago to settle the matter for {$1200.00} ( which is not true ) and stated that once the suit was filed that they could garnish my wages, place a lien on any of my property and have access to any and all FDIC accounts that was attached to my name in pursuit of this debt and that I would be served by a civil litigator on Monday or Tuesday. So I then asked for their documents to be sent directly to me for my records and he stated that he would have to speak to his manager and that if approved he could sent it to my email. I then gave him my email address and hung up. After a couple of hours, I called First Equity Alliance back, the same XXXX XXXX answered and I asked for the documents a second time, he assured me that he would check with the accounting dept to ensure that I receive their documents. I still have not received anything yet. The most disturbing parts to this is that this debt was paid off since XXXX, and that they called my daughter and mentioned her name in this matter and then spoke to me in a most disrepectful manner. Your immediate assistance in this manner is greatly appreciated. ( Voice message can be provided if needed. )

Company response to consumer: Closed with explanation