BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: NY
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 completely disagree with the results of this Company. The account I listed still remains on my credit report in violation of Federal Law. TransUnion and Experian is required under the FCRA to have a copy of the original creditor ( s ) documentation on file to verify that this information is indeed mine and is correct. In the result of their previous investigation, TransUnion stated in writing that this account was verified as accurate? They also mentioned that they are not required to reinvestigate this item. However, in court case on XX/XX/XXXX Cushman Vs. Transunion Corporation. No. 96-1553, TransUnion is required by law to follow reasonable procedures to assure maximum possible accuracy of the information contained in the credit report. Under Section 1681e ( b ) I also went ahead and contacted the court, and they mentioned that they do not provide information to any websites, internet search engines, third parties, and/or any credit reporting agencies. TransUnion 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1681e ( b ).

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 2019-03-31
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2019 I used my Citibank 's card Thank You rewards network for a hotel stay in NC. As result of the issue the hotel management issued a refund ( attached ) at the amount of {$42.00} which was paid to the Citibank 's travel processing vendor as it was responsible for handling the transaction. As of today the amount was not returned back to my credit card. When I contacted the Citibank 's vendor XXXX XXXX I was first put on the very long hold and then subsequently mocked and laughed at by the customer service representative ( I strongly suggest the Citibank to pull the call and hear it how it was handled ). It is reprehensible that the refund is automatically returned back to the cardmember and the Citibank allows its own vendor to what amounts to fraud. 
Question : what are the standards by which Citibank 's own rewards travel program is administered and why the Citibank doesn't not have any oversight on how issues such as this are handled. 
Ultimately I accrued the rewards points and used them as result of thousands of dollars of purchases with the Citibank card and I hold Citibank ultimately responsible for the issues resulting from its and its vendor 's abuse.

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 2018-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, a hard inquiry showed up on my XXXX and Transunion credit reports for a line of credit I did not open at XXXX XXXX XXXX. I then ran my credit reports for all three agencies, only to discover 2 of the 3 showed what looked like someone's profile on my report. I discovered incorrect variations of my name, incorrect home addresses and places of employment, and about 16 accounts that did not belong to me. Naturally I freaked out. The odd thing was a lot of the incorrect accounts were from 2-8 years ago and these had never ever shown up on my credit reports before XX/XX/XXXX. I check my reports often so I would have seen these. 

So the first thing I addresses was the recent inquiry. On XX/XX/XXXX at XXXX PST I called the XXXX XXXX bank that made the hard inquiry on my credit report and they were unable to pull up an account with my name and social security number. None of the info I gave them pulled up an account ... which further made me believe there was a problem with the credit bureaus and not a case of identity thief. 

So, on XX/XX/XXXX at XXXX PST, I called XXXX and they looked into my credit report and the customer service rep noticed that my profile was actually merged with another person with a very similar spelled name ( mine is XXXX and the incorrect one was XXXX ) and social security as mine. They started the process of un-merging my account with this other person. Somehow bc another person has a similar spelled name and social, our records were being merged in their system. Thankfully the customer service rep took the time to go line item by line item to separate the records. Sadly I now have to do this same thing with Transunion because these same errors were on that credit report too. I didn't see anything incorrect on XXXX  yet but I'll keep monitoring it.

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 2021-09-07
Company: U.S. BANCORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX continues to report inaccurate information and does not allow me to submit a dispute after prior disputes. However, this is unfair because the information is inaccurate. I have bank records showing my mortgage was never late and was paid off but they continue to report it as in bankruptcy. I also have an account with a rental company that went through the courts and the case was dismissed and I was not responsible for these charges.

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 2021-09-07
Company: EQUIFAX, INC.
State: NC
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 sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having a problem getting this year 's CR from Equifax. My last Equifax CR is dated XX/XX/XXXX. I called the 1-887 phone number on XX/XX/XXXX and ordered my federally mandated CR from Equifax. I did not receive the Equifax report. I called again on XX/XX/XXXX and ordered my CR from Equifax. On both occasions I was told I would receive my CR in two ( 2 ) weeks. I have not received my CR. On Sunday, XX/XX/XXXX I called a " help line '' XXXX. To ask why I did not get my CR. I was asked numerous questions regarding my account at Equifax. I was told to submit my name, address, phone number, a copy of my " identification '' and social security number to XXXX. XXXX XXXX, XXXX, GA XXXX asked why all this trouble to get an Equifax CR. The person on the end of the line said she did not know because the call center is in the XXXX. I found this alarming because I gave her personal information including my social security number. This is unacceptable in my opinion. Further, why didn't Equifax send me a query the first and second times I ordered a CR. Please help me get my Equifax CR. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Financial Business and Consumer Solutions.
State: SC
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: Problem with personal statement of dispute

Complaint:
I was looking into a chargeoff from XXXX XXXX on my credit report. I contacted XXXX XXXX who forwarded me to a collection company FCBS inc. That company at first started that they did not own the debt and they were collectors of and on behalf of XXXX XXXX . I then contacted XXXX XXXX  who stated they had sold the debt and no longer owned it. When I contacted the collection company ( FCBS, INC ) again, they stated that they were not a part of XXXX XXXX and I owed then the debt. I told them without verification there would be no payment arrangements etc until I had validation of who owned the debt. ( Recorded phone conversations ). Because it was inaccurately reported, I asked experian to remove this chargeoff. They did not and changed it to updated file which made my FICO score drop 54 points. I believe my rights under fcra are being violated and I am being punished for filing a dispute on inaccurate information on my credit report. This collection company is now dating I entered into a payment agreement with them which I have not. This is a violation of my rights!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: TX
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 sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I HAVE ALWAYS TRIED TO CALL WELLS FARGO AND WORK WITH THEM WHEN IT COMES TO FEES AND OVERDRAFTS. WE ARE IN A PANDEMIC AND CONSUMERS ARE TRYING TO GET BACK ON THEIR FEET ETC ETC. HAVING OVERDRAFT PROTECTION CAN BE HELPFUL SOMETIMES, BUT A CONSUMER LIKE ME TRIES TO BE MINDFUL ABOUT HOW I USE IT ESPECIALLY BECAUSE THE FEES DO ADD UP AND WELLS FARGO IS NOT VERY FORGIVING WITH THAT. AGAIN BEING THAT WE ARE IN A PANDEMIC, IT COMES IN HANDY AND I DO NOT MIND PAYING IF I DID USE IT AND IT IS REPORTED CORRECTLY. RECENTLY THOUGH I TRAVELED OUT OF THE COUNTRY AND PRIOR, I CONTACTED WELLS FARGO BY GOING INTO ONE OF THEIR LOCATIONS IN XXXX TEXAS TO INQUIRE ABOUT PURCHASES EUROS, I WAS TOLD I HAD TO DO IT A WEEK IN ADVANCE BEFORE TRAVELLING WHICH I DID NOT KNOW, I THEN CONTACTED CUSTOMER SERVICE TO INFORM THEM I WAS TRAVELING AND TO NOTED MY ACCOUNT BECAUSE I WILL BE USING MY CARD, SHE INFORMED ME I CAN USE MY CARD BUT DID NOT INFORM ME OF THE FEES I WILL BE CHARGED. WHILE OVERSEAS I STARTED NOTICING MULTIPLE INTERNATIONAL FEES BOTH CARD TRANSACTIONS AND ATM TRANSACTIONS. WHEN I RETURNED I CONTACTED WELLS FARGO AND NOTIFIED THEM OF WHAT I WAS TOLD AND ALL THEY SAID WAS THEY WOULD LOOK INTO IT AND NEVER GOT BACK TO ME AND STILL CHARGED ME WITH FEES. WELLS FARGO ALSO CHARGED ME SEVERAL OVERDRAFT FEES 3 FOR MULTIPLE TRANSACTIONS THAT WWAS NEVER POSTED FOR A XXXX XXXX THAT WAS NEVER SENT. I ALSO CAME BACK TO MY CARD BEING USED FRAUDULENT MADE A COMPLIANT AND MY MONEY NOT REFUNDED. I HAVE DIRECT DEPOSITS FROM SEVERAL JOBS COMING TO MY ACCOUNT ABOUT EVERY WEEK, BUT I REFUSE TO PAY UNNECESSARY AND UNFAIR FEES. EVERY TIME I CALL TO DISPUTE FEES THEY ASK ME TO TUEN OFF THE OVERDRAFT PROTECTION, MEANWHILE, THEY COULD BE REASONABLE AND MINDFUL OF THE FEES THEY CHARGE CONSUMERS. WEREN'T THEY RECENTLY IN THE MEDIA FOR FRAUDULENT PRATICES? ALL AM ASKING FOR IS FOR UNDERSTANDING DURING THESE DIFFICULT TIMES AND FOR THEM TO WORK WITH ME, I USUALLY DON'T MIND PAYING THESE FEES BUT THIS TIME IT IS OUT OF HAND, ESPECIALLY SINCE I FEEL I SHOULD HAVE BEEN INFORMED OF THE INTERNATIONAL FEES AND THAT I TRAVELED WHICH INTURNED CUASD ME TO BE SHORT ON FUNDS.

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 2021-09-07
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX-Repeated phone calls with a voice mail telling me to call XXXX. 
On XXXX I received a phone call from XXXX from XXXX, TX. I answered and a auto message said to call XXXX. 

I called and a woman answered saying I owed a payday loan, which I have never even visited one, in the amount of {$500.00} from Check and Go in XXXX, TX. Since it had interest, she said I owe over {$1100.00}. She had the last four digits of my SSN. I gave no information. Ive never received any phone calls or mail from any Check and Go. I doubt XXXX has one. The woman said it was going to legal. 

The woman could not give me her name nor the name of the business she was with nor could she give me any contact information. She typed in her computer that since I refuse to pay the debt, theyd be sending me something in the mail. I laughed and hung up. I blocked that number and after about 10 minutes, they called back. Same number. I blocked the number again. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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:
I would like Experian to remove inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased home in XX/XX/XXXX. Was paid for through XXXX XXXX, paid XXXX for the house, paid XXXX down as the down pmt. XXXX XXXX XXXX sold loan to XXXX XXXX in XX/XX/XXXX. Then it went through XXXX XXXX XXXX onto XXXX XXXX, then to XXXX XXXX XXXX, Somehow XXXX XXXX XXXX hijacked our mortgage acct making up false accts - they stole people 's loans somehow. My identity had been stolen and XXXX XXXX was the one that told me about that in a letter from him when he was the Attorney General in XXXX. We have contacted the following to try to get help in our matter ; XXXX XXXX, XXXX XXXX, XXXX XXXX, Secret Service, FBI, U.S. Marshalls, U.S. Attorney XXXX. To no avail, we have tried to get help. We found after pulling XXXX XXXX XXXX 's credit report, it showed that the home was supposed to be paid for in XX/XX/XXXX through XXXX XXXX XXXX in the amt of XXXX. So why were we still paying on the home when it was supposed to be pd off in XX/XX/XXXX? All we financed in XX/XX/XXXX was {$18000.00}. We paid {$660.00} per mo for 72 months this was paid to XXXX XXXX XXXX. Then XXXX XXXX XXXX somehow got hold of our already pd for home and stole the loan and stole our escrow amt of XXXX, also charged us flood insurance when we do not live in a flood zone. Since then, in XX/XX/XXXX, we have been browbeaten, harassed by this SPS, threatened to have foreclosure done, We stopped paying in XX/XX/XXXX. We sent in a check for {$660.00} as usual, found out that our check had been stolen through the SPS and never applied to our acct. We had THREE different acct numbers with them. We were told it was a fraudulent company. This company, SPS has harassed me, XXXX XXXX so bad that when I went to the dr , my XXXX XXXX was through the roof, had to go on XXXX XXXX, along with XXXX XXXX too. Please look up XXXX and look up XXXX XXXX XXXX. You will find thousands of complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I worked with Wells Fargo to to qualify for a loan modification and sent in required documents. Though we qualified, each time they would deny us on a minor technicality such as a date missing. I submitted 7 times. Hundreds of documents. XX/XX/2015 and XX/XX/2016. 

Although my husband and I are both became ill and XXXX 10 years apart, we always kept up with the mortgage for many years. Unfortunately I had to file for bankruptcy. 

XX/XX/2017 I filed for bunkruptcy but we had he house on the market on a shortsale and received an offer. Wells Fargo accepts that offer in XX/XX/XXXX and sent us a letter to that effect and a phone call. We were waiting for the closing date but got a letter of foreclosure notice. We thought with a shortsale a foreclosure was not an option given the letter we got from Wells Fargo. 3 days before the foreclosure date we find out from the shortsale lawyer and realtor that they are going ahead with the foreclosure and not the short sale. As far as we are concerned Wells Fargo has played games to go the foreclosure route as opposed to : 1. Loan modification 2. Shortsale Wells Fargo had no plans to allow us to modify the loan or sell the house via a shortsale. They had ulterior motives all along.

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: Brennan & Clark, Ltd., LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Brennan & Clark is attempting to collect a debt for a liability insurance policy that was never taken out. We currently have insurance with another company and only received a quote from XX/XX/XXXX. This was repeatedly squared away with the insurance company but the attorney continues to harass my business. XXXX XXXX is the agent that keeps calling and notifying my employees of an ongoing legal dispute that is very serious and needs to be taken care of. Most recently she contacted my husbands mothers home. I am not sure how she even got her contact information, the business is in my ( maiden ) name. I have made it clear that this is an illegitimate claim but they keep calling. The calling has been so obsessive I still think it may be some type of fraud. I'd like to have this ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
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:
my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: RSI Enterprises, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent RSI a validation letter in XX/XX/2021 ( attached ). Their response in XX/XX/2021 ( attached ) was stating that they do not need to provide any validation to except the name and amounts. There is a few problems with the verification that was sent. 
First- there is a HIPAA violation- they could not provide me, as I requested in original validation letter, a signed HIPAA form by me, releasing XXXX XXXX XXXX to release any medical information, as you can see there is all my medical information on the forms that they received, that is CLEARLY violating HIPAA privacy laws. ( which by law they MUST REMOVE THIS IMMEDIATELY ) Secondly-the so called validation they sent me are very detailed statements that were addressed to me, however the amount owed is {$0.00}!!

Therefore, not only are you violating HIPAA, You are now violating FCRA laws.

THERE IS NO AMOUNT DUE!

I will be reporting both to HIPAA for both their violations.

Company response to consumer: Closed with non-monetary relief