BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
hi, citi bank illegally hold up my company 's money for three months. At the beginning, the account was frozen and I was trying to recover this, after I confirmed with them the form was correctly filled out, and mailed to them. Citi said they delete my signature in their system, so they do not know how to verify it. 

They froze my company 's account illegally, and now refuse to recover the bank account unless I provide the company 's shareholder solution, which is irrelevant to the bank account. I asked citi to give me laws and regulations, why in order to recover my company bank account, I need to provide board resolution of the company 's parent company? they do not give me any laws/regulations. 

I can not pay my employees, my suppliers because of this, my employees sue me and my suppliers are chasing me. I had a huge financial and business loss, and citi do not care.

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 2023-10-31
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 was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CREDITACPT PORTFOLIO PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX DPT EDXXXX Are all negative accounts reporting on my file. They were not obtained by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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:
I recently pulled my credit report and notice that a collection on my credit report should have been removed but is still being reported. It has been pass the FCRA Statue of Limitations ( XXXX ), however still reporting on my credit. They are falsely reporting accounts that have been closed and/or paid off and my credit score is Inaccurate. Creditor is XXXX  and the Account number is XXXX should not still be showing up on my credit report. This account was open XX/XX/XXXX and the date of the last activity showing is XX/XX/XXXX. This account is way of the FCRA statue of Limitations and I ask that this account be removed from my credit report IMMEDIATELY. This is a violation of the Fair Credit Reporting Act. I have disputed this item before and it is still reporting on my credit report inaccurately. 

Thank you 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 2022-09-05
Company: Experian Information Solutions Inc.
State: NC
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-30
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During Covid 19, Wells Fargo offered a program to defer payments. We took advantage of the deferral with the agreement that all missed payments would be added as additional months on the end of the contract. Mortgage maturity was XX/XX/XXXX. Numerous conversations verified this arrangement. As we approached the end of XXXX, Wells Fargo demanded a balloon payment of ~ {$13000.00} to satisfy the deferred payments. This resulted in a major financial hardship as it was not in the form of monthly payments ( 5 deferred payments of {$2700.00} ) as described. Numerous phone calls and escalations ensued with no resolution. We were told we would go into default and potential foreclosure. Mortgage has since been paid in full using our savings and XXXX XXXX card. Mortgage was always current and never in arrears. In the end, a certified letter was sent to us expressing the details of payment due and to make the impression of what was Wells Fargo 's position. We did demand record of all communications both written and recorded, but Wells Fargo refused. Recorded phone conversations from Covid to present will verify/substantiate our complaint.

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 2019-07-19
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
ON XX/XX/2019 I WAS FRAUDED FOR THE AMOUNT OF XXXX. A PERSON BY THE NAME XXXX XXXX STATING THAT HE WAS FROM THE LOAN MODIFICATION DEPARTMENT FROM M AND T BANK MORTGAGE COMPANY. HE STATED HE WAS REACHING OUT TO ME REGARDING THE LOAN MODIFICATION REQUEST I HAD LOOKED INTO A SHORT TIME BACK. HE STATED THEY WERE ABLE TO HELP ME WITH THE LOAN MODIFICATION AT THIS TIME. HE STATED THAT I HAD TO PAY THE ESCROW FEE OF XXXX IM LIEU OF THE REGULAR PAYMENT. THEN THEY COULD PROCEED WITH THE MODIFICATION. AFTER SPEAKING WITH HIM FOR A SHORT TIME HE ASKED WHAT WOULD BE A REASONABLE PAYMENT AND I TOLD HIM ABOUT XXXX A MONTH. SINCE I AM ON A RETIRED INCOME BUDGET. HE SATED THAT HE COULD LOWER THE PAYMENT TO XXXX MONTHLY. THAT THE FIRST 3 PAYMENTS WOULD BE THE TRIAL PAYMENTS AND HAD TO BE ON TIME. AFTER SPEAKING WITH HIM I CALLED M AND T BANK USING THE NUMBER I HAVE ON MY PHONE AND VERIFIED THAT IF SOMEONE FROM THE MODIFICATION DEPARTMENT CALLED ME A N EMPLOYEE FEMALE STATED YES THAT THEY DO CALL OUT AND REACH OUT TO CUSTOMERS. SO I PROCEEDED WITH EXCITEMENT THAT IT WAS /HE WAS LEGITIMATE. I MADE THE FIRST PAYMENT AS STATED ABOVE. HE ALSO STATED NOT TO MAKE THE REGULAR PAYMENTS THAT THE NEW AMOUNT WOULD BE THE NEW PAYMENTS. WHEN I WAS GOING TO MAKE THE SECOND PAYMENT SOMEONE TOLD ME THAT A MORTGAGE COMPANY WOULD NEVER ASK FOR A MONEY CARD TO MAKE A PAYMENT. SO I CALLED M AND T BANK THE MODIFICATION DPARTMENT AND THEY TOLD ME THEY HAD NO LOAN IN PROCESS AND THEY HAD NOT RECEIVED THE PAYMENT. I SPOKE WITH A XXXX A THERE AT THE REAL M AND T BANK. AND EXPLAINED I WAS A VICTIME OF FRAUD AND IF THEY WOULD WORK WITH ME. ALTHOUGH THEY WERE SOMEWHAT SYMPATHETIC, THEY SAID I HAD TO PAY TWO PAYMENTS BY END OF XXXX TO AVOID FORECLOSURE. SINCE THEN I HAVE FILLED OUT AND MAILED A MODIFICATION PACKAGE ON XX/XX/2019 AND SET UP THE PAYMENT FOR XX/XX/XXXX FOR THE TWO MONTHS. I ASKED IF THEY COULD PROCESS THE PAYMENT N XX/XX/XXXX THAT I WOULD HAVE THE MONEY NEEDED IN BANK BY THEN. THEY SAID NO THEY COULD NOT WAIT UNTIL XX/XX/XXXX. THAT I HAD TO HAVE THE PAYMENT BY XX/XX/XXXX. I FEEL SINCE I WAS A VICTIM OF FRAUD THAT THEY COULD WORK WITH ME ALL I NEED IS TIME TO CATCH UP THE PAYMENTS. THEY WERE NOT AS SUPPORTIVE AS I THINK THEY COULD BE.UNDER THESE CIRCUMSTANCES, I AM FILING THE COMPLAINT BECAUSE I BELIEVE THEY COULD WORK WITH ME TO CATCH MY PAYMENTS UP UNDER THESE TERRIBLE CIRCUMSTANCES I TAKE FULL RESPONSIBILITY THAT I MADE A MISTAKE AND WAS FRAUDED.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XX/XX/XXXX Date of inquiry : XX/XX/2023

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 2017-09-12
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX/XXXX/XXXX - started calling me at work about a debt that is not owed to XXXX XXXX. Told them to not call me again at this number. Called again today, XXXX/XXXX/XXXX, hung up on them. This bill is for {$470.00} and I do not owe it. A complaint about this billed was filed with the Better Business Bureau in XXXX XXXX. They sold this to a collection agency that is harassing me at work now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name My Name : XXXX XXXX Address : XXXX XXXX XXXX , XXXX Tx XXXX Loan # : XXXX XXXX Complaint Number XXXX was sent XX/XX/2019 ****** This is complaint # 2- I called in on XX/XX/2019 to make a payment of XXXX which is what i was told to pay during bankruptcy and a representative took my payment over the phone. On XX/XX/2019 I received a message from my bank that XXXX was submitted and returned ( not the XXXX ) And again on XX/XX/2019 they submitted XXXX. This caused my bank to over draft twice. That was an unauthorized / fraud charge. I called them to see what happened and they told me my payments increased and changed due to my escrow. I told them i didn't receive anything in the mail concerning an escrow increase. I called them back when it happened again and they said that the XXXX was my petition payment, again i received nothing in the mail of my payments changing. 
If you read my 1st complaint, they wouldn't run my check through a 2nd time when i was on a mod trail and now they decided to run it twice. Can someone tell me what i can do protect and keep my home with PHH Mortgage Company?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a credit report collection item dispute over the phone with Equifax. The dispute was for an old collection item that was related to identity theft by XXXX XXXX XXXX. To my surprise, Equifax penalized me for disputing the item and dropped the score 10 points! When I tried calling in to get assistance and request the investigation be cancelled, none of the 3 reps could verify my personal information. I called three times on XX/XX/19 and each time I provided my information the reps claimed they couldnt verify my report info! This is extremely frustrating and it should be illegal for them to penalize consumers for fixing items on their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: TN
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:
Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 20 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERXX/XX/XXXX EQUIFAX MORTGAGE SOLXX/XX/XXXX XXXX XXXX - XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  - XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Year to date I have had 42 Insufficient fund fees of XXXX dollars each totalling {$1400.00} and 3 returned item fees of XXXX dollars each totalling {$100.00} dollars in my Chase checking account. For a grand total of {$1500.00} dollars. They returned {$100.00} and promised 90 something dollars more. That's still more than {$1300.00} in fees this year alone. Last year I had 42 of these fees as well, for a total of {$1400.00} as well. The dates for this year with amount of fees are as follows. XXXX {$68.00}, XXXX {$34.00}, XXXX {$100.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00} XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$100.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, and XXXX {$68.00}. I can get last year 's dates as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these item are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNTS. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: NC
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 no knowledge of the following account : XXXX XXXX XXXX XXXX This account was opened without my knowledge.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion charges {$10.00} to initiate a freeze or lift a freeze online. This is exploitation at a time when a large number of Americans are affected by the XXXX data breach. Why should I pay for protecting my data when I never consented to its collection in the first place?

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