BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
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: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased XXXX XXXX  XXXX and the interest free loan they promised me was a scam. I was very sick when the first statement showed up ( XXXX  XXXX XXXX XXXX My wife told me for my health to just pay it and ignore it for now. After feeling good enough to start reading the statements I realized Id been scammed and the statements didnt make sense. They were charging me interest. I contacted the XXXX XXXX XXXX and filed complaint # XXXX. That was being denied by XXXX. I then went to XXXX XXXX of XXXX  XXXX XXXX, she helped me by having specialists look at the original agreement and my statements. I found out that the North Carolina based Ally Lending was violating the law in that state. They are charging me interest, and the statements are so confusing its ridiculous. I have not filed a lawsuit yet.

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 2023-05-20
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$3700.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt is not mine. I have police reports and detective narratives explaining that someone who was not me- opened an apartment in my name refused to pay and then exited the community. The suspects gender and physical description supports and proves that this debt is not mine. 

This suspect opened an apartment leasing contract with the XXXX at XXXX XXXX under my name without my knowledge or consent, then failed to pay their obligations. This debt is not mine and needs to immediately and permanently be removed from my credit files at all three bureaus. 
Im signing this to acknowledge and emphasize my complaint as a victim of identity theft who has never lived at the XXXX at XXXX XXXX. This debt and collection sought by XXXX XXXX is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
CitiBank has ignored my repeated requests to close my checking account. I instructed Citi to close the account after my final check cleared last XX/XX/XXXX. After I brought my balance to zero and expected closure, Citi insisted on keeping the account open so it could impose a {$25.00} low-balance " maintenance '' fee on the account, plus a {$34.00} NSF fee to punish me for Citi 's erroneous maintenance fee. This is predatory fee-churning at its worst!

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 2019-11-05
Company: Experian Information Solutions 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:
The following accounts are fraudulent : XXXX XXXX {$57000.00} XXXX XXXX XXXX {$800.00} XXXX/XXXX XXXX XXXX  ( XXXX ) {$0.00} XXXX ( XXXX ) {$0.00}

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 2023-03-10
Company: EQUIFAX, 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:
I CALL EQUIFAX AND FILE FTC REPORT AND POLICE REPORT. THIRE IS 3 FRUAD Hard Inquiries. 

XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX I HAVE SEND EVERYTHING TO THEM. THEY TOLD BE IT BE REMOVE IN 24 TO 48 HOURE IT NEVER HAPPEN OTHER AGENT TOLD ME IS NOT SHOW IT HAS BEEN REMOVE BOUT IT STILL THIER. JUST NEED THIS 3 FRUAD INQURIS BE REMOVE. THAT IS ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PNC Bank refuses to allow me to link my bank account to the XXXX  service. 

I have been a long term PNC customer and XXXX  is a well known service to connect bank accounts to other services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CitiMortgage & their law firm XXXX XXXX XXXX ( Missouri ) continues to send foreclosure letters ( Dual tracking ) while I am in the process of a loan modification on my home. The foreclosure date is now scheduled for XX/XX/2018. All the while CitiMortgage continues to ask for additional documents and no determination has been been made. 

Citimortgage will not accept any payments, nor tell me where to send payments to either. I don't know whether to send payments to CitiMortgage or their Law firm XXXX XXXX XXXX. 

They also refuse to consider my husbands income as I am currently ill & pregnant and can not work. The mortgage loan is in my name. Citimortgage will not agree to add my husband to the mortgage either.

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 2019-11-05
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:
The following accounts are fraudulent : XXXX XXXX   {$57000.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX  ( XXXX XXXX {$0.00} XXXX ( XXXX XXXX {$0.00}

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 2023-02-03
Company: UMB FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a cash management account with XXXX XXXX. UMB Bank NA administers the account for XXXX. The routing number for the account is that of UMB Bank, but XXXX is the front for the account. XXXX is placing holds on my EFT deposits without providing fund availability notices. Most recently, they placed a 5 business day hold on an {$8000.00} EFT deposited on XX/XX/23. Had I not looked at the account and noticed the hold on XX/XX/23, most likely I would have had as string of payments being returned for insufficient funds. Note that I am a longstanding Fidelity client, and I have had numerous EFT transfers in the past. There is really no business reason for a 5 day business hold to begin with especially for an EFT, but at a minimum either UMB Bank or XXXX needs to disclose the hold. I believe that they are in violation of Federal law for failing to disclose these holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Genesis FS Card Services, Inc.
State: NC
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:
I made a payment from my banks bill pay center. The payment was received on XX/XX/2023 and processed with XXXX XXXX on XX/XX/2023 per the deposit details on the back of the check. I have called XXXX XXXX XXXX in regards to my Indigo XXXX XXXX on XX/XX/2023. I have also faxed a copy of the cashed check, in which the payment has yet to be applied. 

They have also reported to the credit bureaus on XX/XX/2023, that my card was over the limit and that my usage was 107 %. Which has had a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have a school loan with XXXX XXXX XXXX XXXX XXXX. I reported that the wrong account number is listed on my credit reports with XXXX XXXX, and TransUnion. 

I had several account numbers for some reason, and some were deleted due to sending debt validation letters to each credit reporting agency. 

On XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, I sent certified mail and debt validation/verification letters. They did not share how they verified/validated the debt with XXXX XXXX, as requested on my notarized letters. 

Excerpt from my notarized letters to credit reporting agencies. 

" 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 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified '' NOTE : I have 3 rounds of debt validation letters, with certified mail receipts, and the documents that I sent for review and support my case.

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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted several times to get trans union to remove a fraudulent hard inquiry for several months the company XXXX XXXX ( XXXX ) has turned over the removal several times to trans union to remove the inquiry and still nothing from transunion

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 2023-07-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discovered that Wells Fargo opened a credit card in my name, which I did NOT APPLY for - someone applied fraudulently in my name. I also found that Wells Fargo did NOT even pull a credit report, which would have alerted me even sooner. How can a bank issue a credit card without a credit inquiry??? Below is the history to-date ( XX/XX/XXXX ). 
XX/XX/XXXX : Received email from Well Fargo ( WF ) informing me of email address change, and to notify them if I did not ask for it. 
XX/XX/XXXX : I did not ask for any email address change, so my wife called WF and spoke to the XXXX XXXX. After I confirmed with them that I was indeed XXXX XXXX and did NOT OPEN the XXXX account. We were told the account was closed and could not be used. They would not provide me with the full XXXX XXXX  number, and still have not as of today. 
XX/XX/XXXX : I received a call from WF asking to confirm that situation. That is, I am XXXX XXXX and I did NOT open a WF credit card. I did so. 
XX/XX/XXXX : I called WF and was connected to the Credit Card Fraudulent Application area. I spoke with XXXX, who also confirmed with me that the CC account was closed. I told her I had pulled my credit reports frm the 3 bureaus, and none of them showed an inquiry from Wells Fargo, so I asked her how WF issued a credit card without an inquity? She said she had no info on that. She also informed me that the application that was made contained all my personal information, phone number, etc. She said I could write to WF and obtain a copy of the application. She told me to include the application number : XXXX. I sent a letter on that day requesting same. 
XX/XX/XXXX : I received an email from WF thanking me for contacting them regarding my complaint. It referenced XXXX ending in XXXX. It also included XXXX # XXXX. 
XX/XX/XXXX : I called WF upon receiving the email at the number listed : XXXX, and spoke with XXXX. He said I should hear from WF shortly re internal investigation. 
XX/XX/XXXX : I pulled our XXXX credit report. It lists WF credit card account in question as OPEN reported by WF on XX/XX/XXXX to the credit union. This is 2 days AFTER WF told me the XXXX was closed. 
XX/XX/XXXX : Called XXXX at XXXX, and spoke to XXXX. She said that XXXX was handling my case, and she would ask him to call me. Called again and spoke to XXXX at XXXX. She said she would have XXXX 's boss call me. 
XX/XX/XXXX : This am at XXXX I got an email from WF stating WF has updated my contact information for XXXX  XXXX in XXXX to be our address of XXXX XXXX XXXX. 
As of today, XX/XX/XXXX, NO ONE from WF has called me to explain to me how this happened and to provide me with written proof that the fraudulent WF XXXX XXXX has been closed.

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 2020-12-17
Company: SYNCHRONY FINANCIAL
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 victim of identity theft and there was a fraudulent account opened in my name.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 
1 : XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX ( XXXX ) account # XXXX XXXX : XXXX XXXX  account # XXXX XXXX : XXXX XXXX account # XXXX XXXX : XXXX XXXX XXXX account # XXXX XXXX : XXXX XXXX  account # XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX : XXXX XXXX account # XXXX XXXX : XXXX XXXX account # XXXX XXXX : XXXX  account # XXXX XXXX : XXXX XXXX XXXX XXXX account # XXXX XXXX : XXXX  XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-03
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: Personal information incorrect

Complaint:
There's incorrect Personal Information on 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 2023-09-28
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
3 years ago I divorced my husband. The house on XXXX XXXX was left to me in the divorce. The deed is in my name and I had the taxes and insurance put in my name due to the tornado that happened in 2021, so that the insurance settlement could be paid to me. I was contacted earlier this year ( XXXX ) by Mr. Cooper stating that because the insurance was in my name and not my ex husbands that they would not pay it and would take out a hazard policy because my name wasn't on the mortgage. They recommended doing an assumption, which I did and sent all the paperwork to them 6 months ago. I was told that they would pay my mortgage on a month to month basis until the assumption went through THEN I received 2 letters from Mr .

Cooper. 1 stating that my insurance had been paid and 1 stating that they would not be paying. 
I sent both to my insurance company who tried to help me with the situation as best as they could, but we were never able to rectify it. I was sent another letter a few weeks ago stating that they had taken out a hazard insurance policy and when I checked my mortage payment it went from XXXX per month to XXXX per month. Now Mr .

Cooper has been putting me on hold for 3 hours at a time and giving me the runaround. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
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: Information belongs to someone else

Complaint:
There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my 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 non-monetary relief