BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 citi bank closed my citi advantage and Macys card that where in good standing. Theyre reasoning is for returned payments but theyve been pulling payments out the wrong account. 

And citi advantage is holding me responsible for a fraudulent {$8000.00} balance transfer as well

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 2020-10-18
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:
My personal information was stolen and used to open multiple fraudulent accounts. I did not authorize the opening of these accounts I have previously submitted and FTC affidavit and a Police report supporting my dispute with Experian. When I first submitted my claim back in XXXX of 2020 these fraudulent accounts were removed from my credit report. In XXXX of 2020 more than 30 days later these fraudulent accounts were put back on my report. I have disputed these accounts ( XXXX  XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ) on several occasions. I was told on XX/XX/2020 by the specialized fraud department of Experian that my dispute will not done because the company has verified that they belong to me. I have contacted these companies and when asked for verifying information the information did not match what was within their systems. I was also told that when a company can respond after 30 day. According to the FTC According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. Experian is refusing to remove these fraudulent accounts past the 30 day time frame.

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 2020-10-18
Company: EQUIFAX, 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 status incorrect

Complaint:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$18000.00} and Charge Off Amount {$18000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; and XX/XX/XXXX year ; Amount Past Due on a Payment history shows XX/XX/XXXX past due {$18000.00} ; amount past due XX/XX/XXXX {$18000.00}. Past due 30 days on XX/XX/XXXX ; past due 60 days on XX/XX/XXXX ; past due 90 days on XX/XX/XXXX ; past due 120 days on XX/XX/XXXX ; past due 120 days on XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as XXXX reported on my credit report. 

4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, and XXXX XXXX XXXX XXXX has violated my rights 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: IN
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:
Complaint ID : XXXX was recently closed. I have exhausted my efforts to protect my rights, but I seem to be the only XXXX. XXXX has had plenty of time to fix the errors on my account. Having the wrong names such as XXXX XXXX XXXX, and having wrong information regarding employment " XXXX XXXX. '' This is absurd that they can just correct the names and leave the accounts I provided. CFPB must be working for XXXX! 
I kindly asked that these accounts be removed, and you clearly see that the mistakes are still under all three credit companies, but you let them just close it and leave me with the accounts! Wake up and take another look!

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 2023-03-28
Company: EQUIFAX, INC.
State: AZ
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent and reported it across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Dear Wells Fargo, Back in XXXX of this year I had finally filed a complaint against Wells Fargo XXXX Credit Card with Consumer Financial Protection Bureau - Case number : XXXX, due to processing violations, lack of billing consistency and poor customer service to correct problems. 

Since then, XXXX closed my card, once again increased my interest rate and applied a penalty to my card because XXXX has been sending my bills to the wrong address. The card belonging to XXXX XXXX had been sent to her address - she did not pay nor did she forward me the bill. The card for XXXX XXXX has been sent to the correct address and has been paid. 

I tried to call XXXX Credit Card department multiple times to fix these problems. If I made contact with a person, I was hung up on for pointing out their inflexibility to assist with my situation in the wake of your own fraud. My call usually got lost within their automated system ; being transferred and looped through, only to be disconnected. 

I am drowning in penalties and interest that has been tacked onto my account through XXXX XXXX purposeful manipulation of the system. This is unacceptable. My personal credit cards have had none of these issues. This is one more way Wells Fargo has falsified information and engaged in illegal business practices to meet their financial goals. There is no ethical consideration for the harm and stress you are inflicting on people and small businesses. 

I am requesting you cut my debt in half and reduce my interest rate for the current bankrate because half of the debt is from the penalties and interest rates you have compounded due to XXXX XXXX illegal manipulations. 

Disgusted Client, XXXX XXXX Cc : Oregon Department of Justice Consumer Financial Protection Bureau Federal Trade Commission XXXX - I received a credit card application from Wells Fargo, after they closed my business account. They are still trying to open accounts to meet their financial goals despite all the illegal activity theyve been caught participating in. Credit card debt is at an all time high - this is XXXX of the major factors.

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: 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:
I order a copy of all 3 credit reports and I notice that bankruptcy was on all 3 reports XXXX, experian and XXXX I disputed this bankruptcy and i ask all 3 credit bureaus for verifiable information and they said they verified from the bankruptcy court, so I reach out to the bankruptcy court and they sent me a letter stating they don't verify any information with the credit bureau 's and they do not report bankruptcy on a person 's credit report. I will include court paper.

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 2020-07-22
Company: EQUIFAX, INC.
State: GA
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Amsher Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/2020 from AMSHER COLLECTION SERVICES , INC. notifying me that a debt of {$100.00} had been placed in their office for collection. I did not recognize the debt and had never been notified of it previously, so  I called the Original Creditor ( XXXX XXXX XXXX ) and they confirmed that they had no record of me ever owing them this charge. 

I mailed a letter to AMSHER requesting verification of the debt  within 30 days of receiving the notice. On XX/XX/2020, I received a letter from AMSHER dated from XX/XX/2020, stating that they received my notice of dispute and that they would contact the creditor with a request for validation on the account and would provide me with documentation they received as a result. 

It has been 30 days since they sent that letter stating that they received my notice of dispute, and I have not received any documentation or verification of the debt from AMSHER. The account is now showing on my credit report with XX/XX/XXXX and XXXX  as open and as a derogatory mark. 

XXXX  deleted the account when I contacted them about the issue, but XXXX  and XXXX  has a comment on the account that states " Account information disputed by consumer, meets FCRA requirements ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Pendrick Capital Partners Holding, LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at XXXX XXXX XXXX. And he said that it's a medical bill that came from Penerick Capital Partners which came from XXXX XXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The 3 major credit reporting agencies ; Transunion, XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on my credit reports.

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 2020-10-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a debt validation request to previous debt collector XXXX XXXX XXXX on XXXX and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XX/XX/XXXXXXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. Reinserting a debt after it being removed from credit bureaus is a violation of the FCRA.

Also i submitted the dispute to nca 's account manager, XXXX XXXX, on XX/XX/XXXX and received an email back from nca on XX/XX/XXXX indicating that they received my document I provided to show that the loan was paid for. And i haven't heard back from NCA or by writing since XXXX which is way past the 30 day deadline to respond to a pending dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Sierra Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX 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 2019-11-01
Company: FEARON FINANCIAL LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A licensed realtor in Hawaii is advertising on XXXX as a lender when he is not a licensed mortgage loan officer. This is deceptive as I think he is trying to obtain buyer leads by falsely claiming to be a lender. Also there is no NMLS # listed on the ad in XXXX until you click through the 14th page of their disclosures and complete their " application '' online first. 

Agents name : XXXX XXXX email : XXXX ph : XXXX Additionally, Keller Mortgage is licensed in Hawaii through their real estate agent : XXXX XXXX of the XXXX  XXXX office NMLS # XXXX. She is getting paid twice on the same transaction as a real estate agent and mortgage loan officer. That is not allowed per CFPB rules as well as allowing other XXXX  agents in Hawaii  to falsely advertise for " pre-approval '' when they are not licensed because XXXX XXXX  is open only because she has a MLO license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 Loan Depot " Pre Qualified '' me to purchase my first home using an FHA/VHDA loan for the down payment assistance grant program ( through the VHDA ) As the process started everything went fine and I provided each and every document to them as requested for the FHA/VHDA loan that they were working to obtain for me that I was " Pre Qualified '' for. I paid the {$500.00} earnest deposit to my real estate agent, paid {$450.00} for a home inspection and paid {$470.00} for an appraisal which Loan Depot insisted on and made me pay for in order to obtain the loan that I was " Pre Qualified '' for only to then be denied for the loan because my name was on the deed of a home with my father but I was NOT on the note for. This home was foreclosed on but again, I was only on the deed and was NOT on the note of the home so I was NOT financially obligated to the note on this home.

When I inquired with Loan Depot about this, all I was told that because I was on the deed I am still responsible for the foreclosure and that the Underwriter would deny the loan because the VHDA would not approve it. Then the more I asked about it I was told that the Underwriter denied it. So WOULD the Underwriter deny it or DID the Underwriter deny it? One said that they did but another said that they didn't even see it to deny it. Also, I contacted the VHDA and they never even received the request to deny on their end so all of this was very confusing and left unanswered questions. In addition to the fact that NO ONE at all could answer my question about how I can be responsible for a note that I was not financially obligated to. I never received credit for the on time payments of the loan so how can I be responsible for the foreclosure on a note of a home that I was not even on? None of this makes any sense at all.

Since this information was a " reason to deny the loan '' and was found on what I was told a " fraud check '' that lenders are required to run why was it not ran before the " Pre Qualification '' and how I WAS " Pre Qualified '' for the loan in the first place?

I am livid about this and can not let it go. I lost {$1100.00} that I spent toward the purchase of my first home and it does not sit well with me since I was NOT financially obligated to the loan that was the reason for the denial of my loan request with Loan Depot that I was " Pre Qualified '' for.

I would like to see this addressed and made public so perhaps it saves someone else from going through a similar situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/22 I received an envelope from a debt collector firm, Hayt, Hayt, & Landau, LLC stating they are interrogatories, which is a false and deceptive statement creation of false and deceptive forms to the court. Instead its a court packet with a dock # that isnt mine and lists a court that is not in my jurisdiction with information of another consumers non public identifiable information stating they owe a debt and suing. Which are Violations of the FDCPA, XXXX XXXX XXXX XXXX and the PRIVACY ACT. I am now skeptical and have reasons to believe they did the same to me. The misrepresentation of material facts, false and deceptive statements, violations FDCPA and other consumer laws has caused grave injuries to myself and the other consumer whos information was breeched and leaked by XXXX XXXX XXXX which is also defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: AR
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'm having trouble removing these fraudulent items from my credit reports.

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