BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
State: WA
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:
The company Experian erroneously said that I asked for XXXX child support accounts to be removed which I did not! I requested that they update the monthly payment amount. Experian has my monthly payment of over {$47000.00} per month therapy making my debt to income ratio inaccurate. My monthly payment for the accounts are only {$300.00} not {$40000.00}. I simply want my payment amount that is arranged by the court of law is law to be corrected. I provided the court order of the arranged payment amount which explains which experience is not showing accurately therapy violated is thereby violating the laws of FCRA. 
, ,Experian shows my Monthly Payments is {$47000.00} which is {$570000.00} per year on my credit report. 
There is no possible way that I make monthly payments of that amount or even be charged that amount when I have a legal payment arrangement of the actual payment. Experian is ruining my credit and reputation by stating that I have that amount of payments per month. I have provided PROOF form the furnisher that I pay {$300.00} per month on these accounts through a legal court order. The furnisher even told me that they told Experian these facts however Experian REFUSES to reflect the legal paperwork that was supplied to them by me AND the furnisher. Please update my credit according to the FCRA. If a consumer reporting agency ( EXPERIAN ), or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. The costs of an Experian credit report error in my case include : 1. A lower credit score 2. Higher interest rates for your credit card, private student loans, and home mortgage 3. Higher insurance premiums for your home and car 4. Loss of a job opportunity 5.Denial of loan and credit applications I am confused as to why Experian would just update my CORRECT monthly payments?

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 2019-11-09
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I spoke with at least three separate Citi employees at Citi 's Credit Card Customer Service, at least two of whom where supervisors, who told me that I would receive a refund for my secured credit card security deposit of {$2500.00} by XX/XX/XXXX. I initially received a letter stating it would take longer, but I first called on XX/XX/XXXX and was promised by Citi that the refund would arrive within 30 calendar days as I had asked for the process to be expedited. I confirmed this promise with three Citi employees. 

However, I called Citi 's Credit Card Customer Service on XX/XX/XXXX to check on the status of my refund check and was told that I would not be receiving my refund by XX/XX/XXXX, and that instead, the check would be mailed on XX/XX/XXXX. This statement was completely out of line with what I had been told. I attempted to find out why Citi 's promise was being reneged on and why I had received blatantly false information, but the supervisor I spoke with was unclear, evasive, and refused to answer any important yet basic questions. I tried to ask who would be accountable for the misinformation given to me, and requested an explanation for how, not one, but three Citi employees could all confirm I would receive my refund by XX/XX/XXXX, yet now this supervisor was telling me that the refund check would not even be mailed out until XX/XX/XXXX. 

This use of false information to get clients off the phone is absolutely unacceptable and this situation reeks of fraud on Citi 's part. Citi Customer Service representatives should never lie to customers about the timeframes for receiving secured credit card security deposit refund checks. I am very displeased at Citi 's brazen disregard for ethical banking and lending practices.

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 2023-06-26
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
At XXXX XXXX on Monday, XX/XX/2023, I went to the Citibank location at XXXX XXXX XXXX XXXX in XXXX, Texas to get a cashiers check, however there were no bank tellers in the branch. The only 2 people in the branch was the branch manager and a supervisor. They told me the teller would be back in 10 - 15 minutes. I left and came back at XXXX XXXX and the teller was still not back. The supervisor told me the teller went to the clinic and was still not back yet, so I asked the supervisor if she could help me with getting a cashiers check and she said no. She that the teller is the only one who can help me when she gets back from the clinic, because the only other teller is still in training. This is HORRIBLE customer service. The branch manager or the supervisor should have been able to assist me rather than asking me to keep coming back in hopes that the teller would eventually return to her work station. Otherwise, they should have closed the bank if no transactions could be made. What kind of bank refuses to help their customers? And what kind of bank has to come to a complete stand still because the teller has apparently left for the day? This is piss-poor management at this location and the worse customer service I have ever experienced at a bank. If a banks hours of operation indicate that they are open, then they should be able to serve customers whether their tellers show up for work or not. This is unacceptable!

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 2021-06-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX  ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

PLEASE REMOVE IMMEDATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
First, Im a XXXX veteran on a fixed income. Im property tax exempt. XXXX 2018 my township sent a bill to US Bank for my 2018 property taxes, this should of NOT happened. I had it out with my township and then called US Bank to ask them why they paid and why I was being charged XXXX $ per month. I have not missed a monthly payment. I argued with USB that I wasnt going to give them XXXX $ extra per month for how many months only to get it all back when the township sent the tax money back, which they did. I paid my monthly mortgage at the original amount, USB took the money and put it into a holding account until the they received the full mortgage amount at that time ( mortgage + taxes ). By doing this they have put me a month behind. Now they are charging me late fees every month even though I have never been late. I have called numerous times, they want me to make an extra payment. Sorry, but being a XXXX veteran on a fixed income, I dont have a XXXX $ laying around. They are also reporting this to the credit agencies. A XXXX dollar company and this is how they treat a XXXX veteran. If you are a veteran or not, do not use US Bank! They dont care about you or 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 2019-06-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I purchase a home at the foreclosure sale that was located at XXXX XXXX in XXXX XXXX Texas. I paid {$140000.00} for this home. One day later I received a call from the owner of the home asking to rescind the sale of this home because one of the family member was XXXX  and the owner was an elderly man. I agreed to rescind the sale. The original owner has done a loan modification with Wells Fargo and paid Wells Fargo. Today in XX/XX/2019 and Wells Fargo has not refunded my money. 

The only person I can speak with regarding this matter is a lawyer that Wells Fargo appointed that does not answer the phone. I must get my funds back as I have borred these funds from a lender. 

The lawyer for Wells Fargo name is XXXX XXXX XXXX-XXXX-XXXX. this lawyer keeps saying he is wiring the funds today and they never come.

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 2021-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile 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 help me and remove them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
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: Information belongs to someone else

Complaint:
FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX  XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX  FCRA Violation : other loan not mine 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 non-monetary relief
Consumer complaint received 2021-05-03
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 fraud alerts or security freezes

Complaint:
Experian makes it very difficult for people to place a credit freeze on their account. Rather than providing it as an option when you login to your Experian account ( as the other two credit bureaus do ), you have to go to an external site ( with no authentication ) and provide your information and PIN. When I tried this, it did not work. I instead received the message pasted at the end of this post. Experian obviously wants you to pay for a credit " lock '', which is easy to place and remove when you login to your Experian account. Requiring people to fill out and mail a form via certified or regular mail is not free, as required by federal law. 

MESSAGE : " To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, XXXX. XXXX XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). ''

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: EQUIFAX, 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: Information belongs to someone else

Complaint:
RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

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 2019-06-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This issue is an existing problem which Equifax wasn't able to resolve..They provided an itemized printout of what they claim is my billing statement..An itemized printout does not represent verification.. CFPB please fix the account and remove the bankruptcy reported on the accounts XXXX/XXXX   XXXX, XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing.

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man.

Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I visited my XXXX XXXX XXXX 's office for XXXX XXXX and tests. Total billing was {$220.00}. In XXXX, XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " XXXX XXXX XXXX '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX  XXXX XXXX run my credit report with XXXX, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX,  it shows, again " i have Derogatory public record or collection filed '' I have called XXXX XXXX XXXX many times requested documents about my account payment as well as status, I have not received any from them

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 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Midland Funding stole my information without my signature. Reported information to the credit bureaus. Sue me. Put a judgement on my property. And ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've tried to have my bank account allow access to join XXXX  and XXXX to contact my bank. If the bank doesn't want to allow XXXX as a third party interest, then they need to open a function as an option that is the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
From XX/XX/XXXX to XX/XX/XXXX foster and garbus garnished my check bi weekly each pay period by 100 or  more dollars.

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 2023-06-26
Company: WELLS FARGO & COMPANY
State: PR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo do not permits online access to my accounts XXXX XXXX XXXX. They try obligate me to go to a branch, but in XXXX XXXX do not exists Wells Fargo branch. I answered all security questions and information requests.

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