BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-22
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am XXXX years old and what AAG did to me is not correct. My name is XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX, email XXXX ( address is also the one in this rev mortgage ) On XX/XX/2019 I received a phone call from AAG reverse sales person XXXX XXXX. The 1st question asked is if I was married and I said yes, separated, going through a divorce but basically 'yes I am still married '' I told AAG , they said we'll work around it no problem, I pay {$120.00} for the counciling fee, I pay {$570.00} for aprasail.the {$650.00} for foundation inspection and I borrowed money to do so. All paperwork approved and in order and the day I was approved and to sign, on XX/XX/19, almost two months later they state that I could not get a loan because I was still married. On the first day AAG and I discussed this and AAG said no problem I will get the loan said I'd get it anyrate. My house is owned 100 %, no mortgage or debt, solely by me, nobody 's name but mine is on it. My house was paid cash by me and Deed states so, BUT FOR AAG TO TELL ME THAT I'M MARRIED AND DON'T QUALIFY ON LAST DAY SUBJECTED ME TO FINANCIAL ABUSE, ( I WAS PROMISSED IN WRITING I'D BE GETTING  OVER $ 70K, AND TOOK OUT LOANS FOR AAG 'S COSTS AND MY BILLS ) I WAS LYED TO, I WAS ABUSED AND I FEEL THE STRESS THEY PUT ME UNDER FOR 2 MONTHS WAS TOTAL ELDER ABUSE AAG SHOULD RETURN ALL MY LOST TIME AND MONEY AND STRESS FOR LYING TO ME ... 2 months of wasting my time and with unbelievable stress for them to lie to me, put me in more debt, I'm going to go to Court not small claims, because they cost me {$10000.00} for a promised payment I did not receive this isn't right. It's Elder Abuse with my money.They still have a lien on my property they never gave me money for, hurting me in other financial directions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: PNC Bank N.A.
State: AZ
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 can not add an external account to my mobile wallet and I dont understand why? I have money in the account and I would like to use it and its saying that pnc is blocking me from adding external accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: MN
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 have disputed these item several times. I know without doubt that these companies do not have proper documentation saying these accounts are mine. But that is not the only reason for writing/complaining today. The account is being reported with Equifax on two different accounts. One as XXXX ... and the other as XXXX... The account numbers are the same. The amounts that they are reporting differ. And the opening dates don't match. With XXXX it is reported under three different accounts. XXXX  / XXXX  and XXXX  for another amount. Please help to remove these accounts. As they are not mine and reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Debt collector posing as 'mediator ' falsely claiming that they have filed a suit against us and a judgement is being made. They were very aggressive and threatening. They claimed that we need to settle the suit immediately. There is no lawsuit, it was all completely false and I had never received prior notice. They also claimed to have recorded my conversation before hanging up on me ( without my prior knowledge or consent ). 

Also calling and threatening spouse and other family members saying that I need to talk to them immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I owe XXXX. I have not received anything about ways to pay the amount till a court order came.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: CT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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.

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 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 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX, XXXX XXXX PA, XXXX, CAPITAL ONE BANK USA XXXX XXXX XXXX XX/XX/2016 Balance : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX XXXX, I notified Macy 's credit card and fraud department regarding unauthorized charges on my account. They requested that I submit a fraud statement, in which I did and turned in at the end of XXXX XXXX. I was told the investigation would take 60-90 days and my fraud charges should be reversed. It is now XXXX XXXX, 150 days has passed and I am still receiving billing statements with accruals of interest and late fees. I have followed up with the fraud department each month, and every month, they promised to have it clear the next month. I am at my wits end and feel Macy 's fraud department is giving me the run around. I am need of help to protect my credit and my rights!

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 2020-07-23
Company: Student Apex
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been called about repayment of my student loan from a different service to find out it must be a scam. The first number I programmed in the phone is no longer in service. I had gotten a text today saying my payment is due in 2 days. The number that they gave today is XXXX XXXX XXXX. The text also tells me that it is student Apex. What is the best way to stop there payments?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with XXXX which is normally locked to look at utilising XXXX which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining international relations. Upon unlocking the credit with the actual provider XXXX which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company XXXX; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted PII information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in 24 - 48 ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-01-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Equifax did not respond within 30 days. according to USC 1681i ( 1 ) ( A ) ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I made my original complaints # XXXX on XX/XX/XXXX and XX/XX/XXXX to Equifax. they never responded by mail or other wise. I gave them 11 extra days and sill no response. 

I made another compliant # XXXX about the non compliance to USC 1681i ( 1 ) ( A ) ( 5 ) on XX/XX/XXXX. 

Equifax finally responded to me on XX/XX/XXXX. Equifax responded that I didn't provide enough verification of my identity. However I sent them a certified letter ( # XXXX ) on XX/XX/XXXX that had 2 pieces of ID, 2 pieces of address verification and a copy of the complaint that I filed. 

It is damaging to me as a consumer because I am trying to clean up my credit so I can buy a home. I can't do that until I fix my credit. I am doing everything I can to improve my credit scores and the bureaus need to follow the the laws just like I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX CONVERGENT OUTSOURCING XX/XX/2021 VIOLATION OF 15 U.S. Code 1692g - Validation of debts Re : Account Number XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. 15 USC 1692g ( a ) clearly states that you must have sent me a written notice of the alleged debt. You did not do this and if you say you did please provide me with proof. Pursuant to 15 USC 1692k violating this law will cause you to be liable for {$1000.00} in damages. I demand that you delete the reported tradelines from my consumer report. 

Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete XXXX XXXX calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficent validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you alrerady committed. 

Sincerely, 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 2023-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This is regarding Case number : XXXX which is still open. At the end of the month of XX/XX/2016 Best Buy CBNA, PO Box XXXX, XXXX, SD XXXX reported I filed Chapter 7 bankruptcy on account numbers XXXX and XXXX. I DID NOT FILE BANKRUPTCY. My credit score dropped 49 points. I spent countless hours on the phone with Best Buy credit department asking them to remove this erroneous information and re-open my account. They finally re-opened near the middle of XXXX, just in time for me to make a payment and my credit score went up 45 points. 
Then on XX/XX/2016 they reported I filed Chapter 7 bankruptcy again! I DID NOT FILE BANKRUPTCY. Again, I spent countless hours on the phone with the credit card department and my credit score went down 45 points. Because this happened again, I filed a dispute with XXXX ; I filed a complaint with the Better Business Bureau ; I filed a complaint with the North Carolina Attorney General ; and I filed this complaint. 
On XX/XX/2016, Best Buy re-opened my account and made payments on both accounts which were due on XX/XX/2016. This was the earliest I could make the payment because I had no access to my account because they closed it again due to a bankruptcy I DID NOT FILE. 
On XX/XX/2016 Best Buy Credit card reported delinquent payments but the accounts are not mine ( see attached ). My credit score dropped 4 points. I have reason to believe that someone with my same first and last name has filed bankruptcy and has not made a payment. I submitted a dispute online to XXXX. Every month I am having to spend hours on the phone with their credit department, file disputes and complaints. I need help! I ca n't refinance my car. I ca n't apply for a mortgage. All because someone within the Best Buy finance department or wherever this information comes from is not accurately checking the right person and account number. This is slowly ruining my credit which I was trying to get back on track. 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