BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I think upon helping someone submit a claim for the cfpb it used my account instead and now my date of birth has changed to XXXX. My date of birth is XX/XX/XXXX and I am XXXX XXXX  of age I have a Id that will show that as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is in regards to a Citi XXXX XXXX card. Citi closed my account due to not renewing my XXXX account during the Pandemic. I did not renew because of the Pandemic and the fact that the nearest XXXX is XXXX miles away. I called to get my account reopened and was told they would not reopen at the time. For several months after it was closed i was still making payments online. Next, a few months later, they removed the card from my online account, leaving me with no option to make payments and no way to receive statements. 2 months after not making payments, they called and after telling the Citi representative what happened nothing got resolved. It is now several months delinquent, with still no option to pay or get statements. Citi still sends me emails with links to pay online but when i login the account info is not there and there is no option to pay. My other Citi XXXX card is still there and is current along with my Best Buy Citi card which is also current. 
I also tried to pay on the mobile app. No account info available.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: DC
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 requested a copy of the legal agreement for this account showing my signature. I also requested a copy of all related documents with my authorization and acceptance of terms and conditions. I received a response stating that the account was reported accurately but did not receive the requested documents. I tried to request the same information a second time and was denied. I was told I could only request this information once and the company verified as accurate. I submitted another request asking for an explanation from the credit agencies on how they can verify something I never approved. That request was also denied. 

In accordance with the Fair Credit Reporting act XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

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 2020-06-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with Navy Federal Credit Union on XX/XX/2020. I submitted all of my income information, bank statements, W2s, tax transcripts. 

I was given an email address and phone number for the loan processor XXXX XXXX XXXX ID # XXXX Phone number ( XXXX ) XXXX x XXXX Email address XXXX I waited for 2 days on XX/XX/2020 I called XXXX in the morning for an Update. XXXX did not pick up so I left her a message. I called again 4 hours later, again no pick up and call back. On day 3 on XX/XX/2020, I called first thing in the morning around XXXX XXXX  thinking there may be a time difference, again left a message and no call-back. 

Day 4 on XX/XX/2020 I get an email with a document uploaded to my Navy Federal dashboard with my credit denial letter. 

I check my credit score my Navy Federal dashboard it is XXXX. They sent me a denial with a XXXX score. This enraged me since I had more than adequate income and availability of down payment for approval. I was not given a counter offer either and no one called me back. I feel they discriminated me as a minority and offer their no down payment programs to only their favored races. 

So I called them that even an FHA loan requires XXXX FICO, and my XXXX is XXXX then they said someone will call me back since I said I may file a complaint. I get a call this morning the lady says I need to call XXXX  because my credit score was under XXXX their guidelines. 

When I got denied credit, I applied at another mortgage company which pulled my credit again, which must have dropped my score from XXXX to XXXX, but that is still over their guidelines of XXXX. The mortgage company sent me a pre-approval and said I can start looking for homes. I even qualify for higher amount of loan. So I feel somewhere discrimination happened, either in processing or underwriting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I purchased an item via PayPal on XX/XX/XXXX for {$57.00}. The item was not received until XX/XX/XXXX and is substandard at best. I have tried to get PayPal to honor their 100 % MONEY BACK GUARANTEE ( see attached ), but they have not to date. The company says they will refund my money if I return the item to XXXX at MY expense which will cost me in excess of {$60.00}! The company 's warranty ( see attached ) says they will pay for return, but so far they will not answer me. I have attached the pictures of the ad for the item as well as what it really looks like. It's supposed to be a night light for a grandchild, a XXXX present, that took two months to deliver. I would like for PayPal to honor their 100 % MONEY BACK GUARANTEE as show on the check out screen I have attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-13
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:
I sent in several FTC reports and nothing still have not been removed 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 2023-09-05
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
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: Investigation took more than 30 days

Complaint:
After discovering this debt with XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, through USPS Registered Mail I sent Discover card a Payment. of {$18000.00} tracking number XXXX. 
On XX/XX/2023 Discover Card received my payment. via USPS registered mail tracking number XXXX. 
on XX/XX/2023 they posted my payment to the account and closed my account due to a reported fraud issue I had in XXXX. 
On XX/XX/XXXX I called after noticing my payment had been posted to my account and I had an available balance of XXXX but I was unable to use my card. 
Discover card then informed me that they closed my account due to reported fraud in XXXX. I was not aware that Discover Card closed my account. I asked them due to the current payment I made in the amount of {$18000.00}, I would like this addressed and either open my account back up and or send me my payment back to me via USPS delivery of my original payment method I had sent to them. Or they could send the payment back to my bank account currently on file. 
They opened a new account and informed me it would take 7-10 days to transfer the payment to my account. 
The {$18000.00} was never made available on my new account nor was it returned to me like I requested VIA-check sent through USPS. I have requested this multiple times for Discover Card to either return the physical payment that I sent to them or issue me a check for that amount and send it to my address on file. 
I still have not received my payment back nor have they credited my account. They continue to call me to try to receive more payments from me, even though I have explained this situation multiple times. 
DISCOVER CARDS Failure to honor, process and credit the intended account has caused loss injury and harm. An offer Of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. Itis their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

The Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ) ,3-104, 8-102 ( 9 ) ,9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ) .15 USC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: NV
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:
Not mine : FCRA violations see attachments : XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3100.00} Status Open. {$530.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7200.00} Status Closed. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$12000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 



XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Possible Financial Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Capital Accounts, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX sent a fraudulent unpaid debt to collections for a XXXXXXXX XXXX XXXX that occurred on XX/XX/XXXX. This was a test that was marketed to the public as " free '' with insurance which I held at the time and provided. 

As of today, I've had a medical billing agency ( XXXX XXXX XXXX  ) contact me, then XXXX XXXX ( another debt collections agency ), and now Capital Accounts LLC all call several times and send me mail on many occasions regarding this fraudulent charge. XXXX has stopped calls. XXXX XXXX XXXX sold the debt to Capital Accounts LLC. Capital Accounts is fraudulent claiming that they did not buy the debt and is collecting on behalf of XXXX XXXX confirmed they sold the debt. XXXX confirmed they have a XXXX balance ( likely because of the original sale of the debt ). This was a XXXX test that nearly everyone in this nation received at one point or another over the last several years. The CARES Act or the No Surprises Act should be offering some protection here in my opinion. As a note : the medical billing agency that originally called me over a year ago led me to believe that this was an act of balance billing they were inquiring about which is why I mention the No Surprises Act. 

XXXX claims the debt is a XXXX balance on their end. From what I can tell on the itemized bill, no attempt to bill the insurance was made until XX/XX/XXXX - 2 years later. This is way beyond the reasonable time an insurance company would typically allow and by the time they billed I was using a different health insurance provider and there runout period had ended. Instead of Insurance denying the claim due to unreasonable billing time, they denied it stating I no longer held a policy since my company provided health insurance changed in XXXX. They are unwilling to assist in resolving the debt with any collector. Every time I ask for an itemized bill from the collection agency- they send it to me in order to abide by the laws set out but it shows a XXXX balance because they have already sold it to a new debt collection agency to allow it to become their problem. 

My belief is they are selling the debt because they know any litigation surrounding a collection of {$800.00} for a XXXX XXXX XXXX XXXX, that they did no due diligence in investigating the proper charge, is something they want no part in. PLEASE HELP I really don't want to get involved with a lawyer but this is becoming a major inconvenience as I use my phone for business. 

The ethical bounds of harassing people for {$800.00} for a COVID TEST is absolutely insane. While I'm not sure if this meets the criteria of harassment there has to be some detail I've provided somewhere that can get these people to stop. I can't imagine how many other people in Louisiana, XXXX may have done this to and they paid it because they were scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Dankos Gordon & Tucker PC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2023, I was provided with written acknowledgment from Danoks, Gordon and Tucker to repay a debt in the total amount of {$2600.00} ( including fees and interest ). As of XX/XX/2023, I entered a written repayment plan to make 7 payments of {$370.00} to satisfy the amount owed with the first payment applied in XXXX. My first payment was made on XX/XX/2023, making the agreement effective and I have made a payment each month since that time ( as agreed upon ). As of XX/XX/2023, I received a new notice from XXXX XXXX indicating that the amount provided in writing on company letter head would not be honored and was no longer valid. She indicated that the debt amount had increased due to interest. There is nothing in the attached agreement or email ( from XXXX XXXX on XX/XX/2023 ) indicating that the amount owed would increase based upon a pier diem. In fact the amount of {$2200.00} does consist of interest as outlined in the written agreement, on company letterhead. I will continue to make a total of seven payments to satisfy the amount of {$2600.00} owed. However, a company can not provide an agreement and then change the terms of the agreement without notice. It is the responsibility of the debt collector to uphold the agreement as outlined. And this is not the case. At no time was I previously advised that the amount of the original debt would change based upon a daily interest. I was not advised the rate of daily interest or any other additional terms. Please review this matter to ensure that it is indeed within legal limits. I have asked for XXXX XXXX for documentation that I was provided indicating that the amount of the original debt would or could change based upon a daily interest rate from the collection agency and that has not been provided. This was requested on XX/XX/2023 and I have yet to receive anything were that was provided during the time I entered into agreement on or after XX/XX/2023. Nor is it outlined in the notice I was provided on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: First Advantage LNS Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested on several occasions for National Credit Audit to remove the collection for my credit report. This account does not belong to me I have filed several complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to file an FTC report on a collection from Pro Collect. I do not know who these people are or how my information was obtained. I never gave this company my personal information. I would like to know how this information was used and how it was handled being that it has effected my credit report. I have contacted my credit officer and the company the debt was coming from, yet no information has yet to be given within several months of contact. A dispute is already in progress through my credit bureaus.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Original complaint # XXXX my home That I lost is now valued at 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 2020-08-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter on XX/XX/2020 from WellsFargo is stating that a ratio of credit bureau trades with a balance greater than XXXX, and the open and closed accounts that have a balance greater than XXXX for the last 6 month which is incorrect. 

In the last year I had a XXXX XXXX  card with a XXXX balance, XXXX XXXX with a XXXX balance, which are both closed. XXXX Card which is paid in full every month. They are stating that number of revolving bankcards reported by credit bureau which are closed. They are also stating that I had many closed accounts that have been closed for many years, and that they are using this information to make their decision. 

My Credit score is XXXX and have never been denied credit at all for any reason. WellsFargo is also stating that the credit report agency was not involved in this decision and that its soli their decision only. I have been with the bank over 25 years, and had excellent credit and only now they are denying me credit. 

With this information this may impact my credit score and possibly any chances of getting credit with another Bank. I

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