BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi Reference Number : XXXX I have been a CITIBANK credit card customer since 2021, I decided to open an ONLINE checking account for my new employer. Everything was perfect and right after my first deposit ( {$190.00} ) which the bank requires upon account opening, CITIBANK BLOCKED MY ACCOUNT AND THEN CITIBANK CLOSED THE BLOCKED ACCOUNT AFTER OPENING/DEPOSITS for no reason, holding my money and preventing me to withdraw 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 monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax recently added delinquent payment status on my XXXX XXXX account XXXX 
XXXX ) Equifax claimed to have verified this account XX/XX/2023 and there was no late payment statuses updated after their investigations, but suddenly XX/XX/2023 added XXXX day late status to my account. 
XXXX ) as mentioned before, this account was transferred in XXXX to another Mortgage company. This account has not been active for the last 120 days. 
XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX me that they notified all CRAs to close this account with NO delinquent status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner contacted me by mail on XX/XX/XXXX to inform me of their intent to collect a debt identified as {$390.00} to XXXX for RA + LEGAL FORM RENEWAL 1 YEAR. I sent them a Debt Validation letter by mail on XX/XX/XXXX, which is within the required 30-day window to dispute the validity of the debt. In this letter I informed them that I do not have any responsibility for this debt, and asked them to provide documentation supporting the validity of the debt, including : ( 1 ) My agreement to pay recurring charges from the referenced entity, ( 2 ) The specific time period for which the charges are claimed to be valid, ( 3 ) Documentation that I accessed or used the services for which the entity is claiming the amount owed, during the time period for which it is claimed, and ( 4 ) Documentation that they are licensed to collect this debt in New Jersey. They did not respond to this letter. The contacted me again by email on XX/XX/XXXX requesting that I pay {$390.00}. I responded the same day by email informing them that it is a violation of the FDCPA to continue contacting me about a debt without providing the documentation I requested. I included a PDF copy of the Debt Validation letter for their records. They again did not respond. They contacted me once again on XX/XX/XXXX offering to settle the debt for {$310.00}, again failing to provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I awoke to an email from my bank ( Wells Fargo ), that welcomed me for my two new accounts. When my branch opened I was the first person there and showed my banker the issue. She looked into it and spoke to the " back office '' and told me the process was to close the accounts, CLOSE my account and open a new account for me. They also suggested I contact the credit bureaus and let them know. I received a new account, new checks and a new debit card. I also had to change at least eight direct debits ( provide creditors a new acct number ). NEVER did they help with that process, offer credit counseling/monitoring or any assistance. I asked for a full report on how it happened ( IP address, etc. ). A week later I was informed they did not have that, although a District XXXX told me over a month later they were able to trace it to an IP address close to me. Then approximately six weeks later on XX/XX/XXXX THE SAME THING happened again. Two accounts opened online in my profile. This time they asked if anyone had my log in credentials ( NO ) or if I had been hacked ( no evidence anywhere in my credit profile ). This time another banker at the same branch, who seemed like she was on the job for about a day, relayed to me that the back office did NOT suggest I close any of the accounts, including the fraudulent ones. They suggested I just put a hold on the fraudulent accounts, so they could investigate and I could use my regular account as usual. I had a substantial wire transfer due the next day and I didn't feel safe with their security procedures, so I told them to hold my account and I stopped the wire. Delaying my payment by two weeks. I went without an account to do any banking for five days. During those days they told me they wanted to close my account and open a new one, and then they said they would close the fraudulent accounts and leave mine open. In short they had NO IDEA what to do. Meanwhile I went thru the same process with creditors and credit bureaus, which now resulted in a one year fraud alert and freeze. I also filed a police report with all my documentation. Today, the XXXX XXXX XXXX XXXX, who I was told would investigate and provide a viable solution and possibly compensation, sent me a letter basically just rehashing what I just explained with no resolution. Luckily, I did not lose any money, but the inconvenience should be compensated and Wells fargo should provide a minimum one year credit monitoring and an APOLOGY. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
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:
The following accounts are unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have also ask the creditor and credit bureau to provide with proof bearing my signature that I owe this debt. They have both failed to do so. 
Also, In accordance with the Fair Credit Reporting act. The List of accounts

below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1
5 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 als
o states a consumer reporting agency can not furnish a account without my written instructi

ons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-23
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: AES/PHEAA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Since the last three years several accounts keep reappearing on my credit report after filing disputes. Several paid off accounts. Student loans history as well that were consolidation. In addition, I have a fraud alter on my report and i still get plenty of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I regularly bank at the Bank of America, XXXX XXXX XXXX, XXXX, NJ XXXX. These are my observations : One, signatures are not checked against bank records. Signatures are thus easily forged! 

Two, no identification is requested. I am reacquired to use my debit card and place it into a filthy dirty device that is never cleaned after each customer 's use. We do have the novel coronavirus but apparently BAC either doesn't know or could care less! 

Three, but identification cards cab stolen and with it the pin whatever it is called! The teller never asks for identification when the customer uses that device or whatever it is called! 

Four, there are security guards at all anywhere in the bank! 

In short, the tellers act like automatons. That is, they demand use of that device and that's that! Period! 

Very sloppy and incompetent banking by BAC! 

I know the customer relations people at the BAC will come up with some folderol about just how great and brilliant BAC is! And they'll take their good time, after consulting BAC 's armies of lawyers, before they answer me! 

Most untrustworthy!

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 2019-11-14
Company: National Enterprise Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I need the phone calls 3-5 times a day and letters to stop. I told XXXX XXXX, XXXX, XXXX, XXXX, XXXX, National Enterprise Systems, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  to stop, send a settlement or reply to letter within 30 days or else debt is canceled already.

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 2022-10-04
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The credit bureaus refused to provide you their MOV ( Method of Verification ) for the XXXX XXXXXXXX XXXX Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have been dealing with USA auto services or sales. Back in XX/XX/2022 I purchased a XXXX XXXX. 
In XXXX I had difficulties with the vehicle not working due to the killswitch that they had in the vehicle I complained to the company several times a few months after that, the company went bankrupt. I have been notified by another company but I'm not sure if that's the correct place they will calling about me paying for the loan and now they have stop calling. I can not get replacement tags on the vehicle and I had stopped paying the insurance on the car because it wasn't working. I have not gotten any resolve from the issue. And now I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attempted to correct the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that are inaccurately reported on my credit report. I have made numerous call and email requests for over a month and have also sent a letter in the mail. I'm continuously being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Needed to get an approval for a mortgage before making a offer to purchase a new home. After submitting irs 1040 's, bank stmts 1099 's and ssi they said we were approved for the loan. The DTI was 48 %. went from XXXX  to XXXX to purchase a new home. The appraisal was in line and accepted. An offer was made on a property and accepted. 
Paid for an inspection report, Lawyer & appraisal. The major complaint is why did they issue an approval and then denied the loan at the end. Spent thousands because of their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chexsystems continues to report fraudulent activity on my consumer report. There are 4 inquiries containing a set of last four Social Security Numbers which are not mine. Please see attachment for proof of this as I will not be listing mine or anyone else 's sensitive information in this public arena. They are listed here and on page 5 of the consumer file maintained at Chexsystems under the subsection " INQUIRIES VIEWED BY OTHERS : '' Inquirer : XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, KS XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, DEXXXX Phone : Telephone Number Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, WI XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) I have also notified Chexsystems of the following inaccurate personal information reporting on my file. Chexsystems still has not removed the inaccurate, and in some cases, fraudulent material within my file. I am listing them in a separate attachment we will call exhibit 1.

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 2021-03-31
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:
Account information does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was constantly being charged the overdraft fees. I had nothing but problems with Wells Fargo when I had my account with them a lot of times they would freeze my account and I couldnt get a hold of 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 explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: IL
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was sold in the XXXX XXXX XXXX sale on XXXX XXXX, XXXX. I understand that the property is no longer owned by myself and I am aware that I must vacate the premise. 
I made several calls to Nationstar mortgage inquiring about concessions regarding my move and time to pack up and vacate the premise as I have been residing in the home for ten years only to be told that there is no one to discuss this matter with. 
I am requesting a move out date of XXXX XXXX, XXXX as I need my son 's transition to be least disruptive to his life and educational stability. 
I have been in the home for ten years and it is the only home my eleven year old son has known. My request is significant and would be most beneficial for the educational and emotional stability for my son. My son has been diagnosed with a learning XXXX which prohibits him to transition as readily, easily and smoothly as others would normally. 

I would truly appreciate assistance from you regarding this matter as I prepare to restart my life after getting into debt and becoming bankrupt after trying for years to provide stability for my family.

Company response to consumer: Closed with explanation