BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
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:
The following collection account on my credit report is fraudulent : XXXX XXXX XXXX, XXXX Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( XXXX XXXX Experian XXXX & XXXX XXXX of this inaccuracy and have not gotten a resolution. I am not liable for any debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or any factoring company. XXXX XXXX XXXX has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted 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 2020-11-28
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-10-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened a saving and a checking account in Citibank. On XX/XX/XXXX, I received the card, so I downloaded the App and deposited two checks, one for {$1400.00} ( # XXXX ) and the other for {$550.00} ( # XXXX ). After I made the deposited the bank decided to close my account without any warning. 

I kept calling and they stated that I needed to contact the person who made the checks to re-issue the checks. I asked them to send a letter where they stated that the checks were not good to show. And they said that they can't do that. 

After that, I tried to deposit the checks in another bank ( I deposit the checks through the app ) since Citibank said that the checks were not good. The bank stated that those checks were cashed already. So, I called Citibank and they say to provide the phone number of the company, which I did. to release the funds. If the checks were bad as they stated, why they said : " to release the funds ''. And they said that no one was picking up the phone. 

They also took {$100.00} from my savings account. 

I call almost every day, and no one can give a real answer why they can't return my money.

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 2021-10-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report states that I applied for a Disaster Assistance Loan from the Small Business Administration. I have made a complaint to the CFPB and sent 5 letters to Experian. They refuse to remove this credit hard pull even though I never applied for assistance or credit with the S.B.A. O.D.A.

Secondly, they are in violation of the Fair Credit Act by not removing incorrect information.

I was in the past a victim of identity theft and I feel that since I never applied for any loan or product with the S.B.A. that this must be identity theft.

I AM ASKING THE CFPB ADVOCATE ON MY BEHALF TO REMOVE THIS INCORRECT INFORMATION. THE NEXT EMAIL I SEND IS GOING TO BE TO SENATOR XXXXXXXX XXXX OFFICE. EXPERIAN ALREADY DECLINED REMOVING THIS INFORMATION UNDER FILE XXXX FOR NO REASON. THIS IS ILLEGAL!!!!!

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 2020-07-10
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received an unsolicited US Bank ReliaCard in the mail at my current address. The card was issued in my maiden name ( which I haven't used for 25 years ). It appears to be related to Unemployment Benefits, which I have not filed for. I have made several attempts to contact US Bank to report the fraudulent issuance of the card, but have been unable to reach them. The only way I found to report the fraudulent card was to call which was completely unsuccessful. I was on hold for several hours with no answer.

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 2023-02-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I did not authorize the renewal of the XXXX 's XXXX from XXXX XXXX Bank. I closed the XXXX account in XX/XX/XXXX. Instead, I paid {$55.00} for the inner circle membership in XX/XX/XXXX. However, XXXX 's has been reluctant to remove the charge of {$110.00} from the XXXX account. I've contacted XXXX 's several times since XXXX and here are the cancellation confirmation numbers for the XXXX 's Perks Reward membership that they provided : XXXX, XXXX XX/XX/XXXX ; XXXX and XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX. XXXX  refunded {$110.00} on XXXX XX/XX/XXXX. The Comenity Bank continues to charge interest to the account and they are aware of the ongoing attempts to remove the unauthorized renewal charge of {$110.00}. Comenity Bank will not remove all late fees and charges to my account as they stated in the attached message on XXXX XXXX. As a result, my credit score has dropped over 80 points since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: IL
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:
There were fraudulent inquiries reporting on my file that I DID NOT authorize. I'm not familiar with the companies, nor did I ever EVER give them written or verbal consent to pull my credit report. 

Also, I've spent over an hour on the phone with this Credit Reporting Agency ( EQUIFAX ) trying to resolve this issue. I was instructed by members of Equifax that I needed to fill out the required FTC report and send in a cover letter and an additional letter with my Social Security Card and License as verification of my identity. I've sent all of the documents required of me and still have not seen any true or valid action taken addressing the fraud. Nor have I been contacted by the company in that span of time, despite them coming to a seemingly adverse result. 

In calling them to verify they received my mail, which I sent certified, they claim they have verified these fraudulent inquiries. 

HOW CAN YOU VERIFY FRAUD!? 

As a consumer I am very upset that this credit reporting agency is blatantly disregarding my claim, and acting unethically and adversely in my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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:
Very bad comoany I hate them Im a victim of fraud and they refuse to delete the fraud inqueires with my FTC report which they have by fax their system sent me confirmation saying deleted but their still reporting I call to tell them they tell me they dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 we started getting email about COVID-19 relief from Wells Fargo, regarding mortgage assistance. I sent them an email for more information. In XX/XX/2020, I tried to pay my house note on the WF app, as I have always done. The app advised me that I did not have an active account, thats when we called to make the payment. We were told that our loan was in forbearance and we could make a payment, but it would not post to the loan until after the forbearance period was over. We called in XXXX, XXXX and XXXX. We made another call to WF on XX/XX/XXXX and were told that the forbearance period ended XX/XX/2020 and would be off our record, as long as we started paying our payments on XX/XX/2020. We paid the note on XX/XX/2020, it has cleared the bank. We are currently filing for divorce and I am going to refinance the house in my name. We waited until the payment cleared the bank to submit the application for refinance, that is when I was told that WF still  shows us in forbearance, the payoff letter also shows them charging close to {$3000.00} in interest for past due payments. We were told that there would be nothing negative on our credit report ( untrue ) and no negative repercussions, that would affect us ( untrue ). On XX/XX/2020, we told them that we declined another 3 months of forbearance ( twice ) and that we were filing for divorce and needed to be able to refinance the house. They responded that after the XXXX note was processed, it would not show the forbearance at all, they also said that the payments from XXXX, XXXX and XXXX would be moved to the back of the loan. There was no discussion of having to pay it in full to remove the forbearance, this was brought to my attention today. I have made a case with WF.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Today, XX/XX/2022 I have contacted XXXX to deal with this violation of my rights. 

I was affected by the XXXX data breach and XXXX is in gross violation. Per 15 USC 1681 ( a ) XXXX, XXXX has assumed this vital role without my consent or permission. XXXX did not respect my right to privacy. 

XXXX did not exercise their grave responsibility. XXXX reportings were unfair, partial and unconsensual. XXXX did not respect my right to privacy. 

I never instructed XXXX to furnish this report and I never consented to this report. XXXX does not have permissible purposes as per 15 USC 1681b ( XXXX ). 

These violations are undermining my confidence in the banking system.

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 2017-12-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
cash central loan was bought by another creditor and paid off yet it is still showing on my XXXX and XXXX credit reports as a negative account.

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 2021-10-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I called the company to make arrangements and inform them that i would be slightly late on my payments for XXXX and XX/XX/2021 due to loss of wages due to covid. They seemed sympatric and informed me to pay as soon as possible and they would not report this as a late payment but as a hardship, but still the late payments were reported on the credit. I am currently up to date despite my hardship and currently applying for a new apartment to rent and this information is hindering my report. I would like the late payments forgiven and my profile updated.

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 2023-05-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Submitted a request to remove PMI from current loan. During the information gathering process I informed loan servicer that significant updates were made and confirmed what was done and when it was done thus dropping the criteria for current evaluation to 80 % instead of 75 %. The loan servicer reached out again to confirm date of upgrade and instructed me to pay a fee of {$190.00} to start the realtor opinion process. 

When receiving my rejection letter I was informed that my updates did not qualify even though there was no mention of this when going through the process. My current evaluation made the equity reach 79 % but PMI is being refused to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Agency used derogatory, XXXX and offensive language while communicating with me about a debt. 
I contacted the original credit company that contracted agency but there was no change of agency. 
Agency ( Law Offices of Frederick Weinberg & Associates ) contacted me again via phone after they were sent letter to only send communication in writing and informed of rep using derogatory and XXXX comments. 
The bank ( original credit company, XXXX ) was made aware of the tactics on more than one occasion but nothing was done to rectify the situation. The bank has a history of using companies that use these form of tactics with XXXX and XXXX debtors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX i contacted bank of america [ the bank ] to settle a debt owed on a credit card {$3500.00}. After a long phone conversation and interview with a bank employee an agreement was made to pay off {$1300.00} then 2 paymemts of {$770.00} on XX/XX/XXXX & XX/XX/XXXX XXXX. Over the phone {$2800.00} was agreed upon. 
XX/XX/XXXX {$1300.00} withdrawn. Later in the day the bank left a voicemail. Returning the call i was informed that the agreement was no longer valid due to a technically. I just wish to have the bank honor the deal and no longer be in debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Convergent Resources, Inc.
State: GA
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:
CONVERGENT {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXXXX/XX/1977
XXXX



Name: XXXX XXXX XXXX  Acct # XXXX XXXX  THIS ACCOUNT WAS NEVER PAID LATE


Name: XXXX XXXX XXXX
Acct # XXXX  Balance: XXXX XXXX This account isnt mine/ ID Theft


Name: XXXX XXXX XXXX  Acct # XXXX  Balance: XXXX XXXX This account isnt mine/ ID Theft


Name: XXXX XXXX XXXX
Acct # XXXX
Balance: XXXX XXXX  This account isnt mine/ ID Theft


Name: XXXX XXXX
Acct # XXXX XXXX  THIS ACCOUNT WAS NEVER PAID LATE

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 2021-05-04
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
use citi bank promo bonus {$700.00} if i open account and deposit {$50000.00} and hold this funds for requre time.On due date my bonus wont appear on my account. Customer service agree that i met all terms, but they dont have authority to make decision.I feel betrade, played and disapointed that huge bank like this used my hard earn money to enrich themselves and not to keep theiroffer contract

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 2023-07-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address : XXXX XXXX XXXX Please update my name : XXXX XXXX My only social security number is XXXX My only correct date of birth is : XX/XX/1967 My only employer : XXXX XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: Experian Information Solutions 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:
I am a victim of identity theft

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