BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX with a balance of {$680.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to SLS effective XX/XX/2019. I contacted XXXX on XX/XX/2019 to inquire about the status of my loan. On XX/XX/2019, I spoke with XXXX regarding the payment I remitted on Tuesday, XX/XX/XXXX. He stated that the payment was not reflected on my account. I proceeded to ask him about the status of my mortgage. He reported that its due for XXXX-XXXX  with {$66.00} in late fees and XXXX in uncollected receivable fees. I inquired about the latter and mentioned that it was foreclosure fees. 

I was astounded because this was the first time I heard of this as Ive been in contact with XXXX practically every month since XX/XX/2019 regarding the status of my loan. Several representatives informed me that while XXXX was in bankruptcy, I needed to ensure that all payments were made and that problems would occur if I was delinquent in excess of 121 days. Spoke with XXXX & XXXX on XX/XX/XXXX ; called on XX/XX/XXXX & XXXX ; XX/XX/2019, spoke to XXXX ; XX/XX/2019 spoke with XXXX and called on XX/XX/XXXX. 

I called SLS on XX/XX/XXXX and spoke with XXXX. He informed me that I shouldve received a good bye package in the mail stating that my loan was transferred along with the bankruptcy fees. 
Yesterday, XXXX XX/XX/XXXX credited my account XXXX. The payment I made last week was returned because it was sent to the wrong address!!! 

Im at a total lost as none of this is making any sense and everyone I speak with provide me with different information. No mortgage company should function like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following accounts on my credit report are in violation fair credit reporting act. 
Account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX.

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 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My First letter was noterized and sent via certified mail on XX/XX/XXXX and Another letter sent notarized via certified mail XX/XX/XXXX and Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When I had my XXXX XXXX XXXX XXXX I felt like the funds in my account was being withdrawn and deposited inaccurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: Experian Information Solutions 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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Capital One thinks I am owner of the credit cards past due. I am not the owner of those credit cards. They continue to email me and put it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My information has been affected by this data breach

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: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX, I asked XXXX, XXXX  and Equifax to verify two accounts ( XXXX XXXX and XXXX  ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for XXXX  and the XXXX account remained the same. 

I then responded on XX/XX/XXXX to XXXX, XXXX and Equifax because XXXX was still reporting inaccurately with three different months for the same late payment. XXXX  reported XX/XX/XXXX, XXXX  listed XX/XX/XXXX and Equifax reported XX/XX/XXXX. Equifax has since removed the late payment, however, it remains on XXXX  and XXXX. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX  account still reporting inaccurately with different dates of last activity. XXXX  has it listed as XX/XX/XXXX, XXXX  has it listed as XX/XX/XXXX and Equifax has it listed as XX/XX/XXXX XXXX, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX  and XX/XX/XXXX for Equifax which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
Bank of America closed my credit card without meeting me know and when I call they said will be sending a letter.

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 2018-06-13
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GC Services was contacting my cell phone using an automated dialer platform. I have recieved numerous calls from them over the span of a few months. I am looking to file a lawsuit against them for TCPA violations unless they are able to rectify this issue directly. I give them permission to reach out to me via my cell phone or via email if they would like to resolve this matter without further escalation. My cell phone number is XXXX and my email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a payment to Citi Bank in error and would like that money refunded. As of XX/XX/XXXX I no longer have an active credit card with XXXX XXXX Citi Card Visa, that card was replaced with a a XXXX XXXX American Express in mid XX/XX/XXXX. XXXX XXXX entered an exclusive partnership with American Express and replaced the Citi XXXX XXXX Visa card with an American Express card. Unfortunately I did not properly remove Citibank credit cards from my XXXX XXXX XXXX bill pay and inadvertently sent Citi Cards a payment in the amount of {$110.00} on XX/XX/XXXX that was meant for the XXXX XXXX American Express Card. 

I received a letter from Citi Cards dated XX/XX/XXXX which was addressed to my husband XXXX XXXX, ( his name appeared first on our check that Citi Bank received from XXXX XXXX XXXX ) acknowledging receipt of the payment and their inability to identify an account. ( I no longer have a Citi Bank credit card ). However Citi Bank deposited the payment. I contacted Citi Cards and spoke with three different representatives on XX/XX/XXXX in an attempt to resolve this matter. I do not recall the first rep 's name, XXXX was the second rep and the last woman I spoke with would not give me her name but said she was a manager for the department and was unable to help me because I do not have an account with them, she suggested I call American Express or go to a Citi Bank branch office. None of the representatives that I spoke with from Citi Cards could explain why the payment was processed when there was no account found in their system to coincide with the payment. I contacted my bank, XXXX XXXX XXXX and their representative explained they were unable to stop the payment because the check had already been cashed/deposited by Citi Bank.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/ I was forced to sign a loan modification to avoid losing my home to foreclosure. I tried several times to pay past due amount but was refused until a modification was the only choice.

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 2020-09-23
Company: Aargon Agency, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No contract with this agency. I do not owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CITIBANK, N.A.
State: MO
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:
I am writing about an issue of great concern regarding the manner in which Citibank processes their credit card payments. 

I have been a Citibank card holder since XXXX and, to the best of my recollection, have never missed a payment, nor have any payments been late. Thus, I am finding it quite troubling that since XXXX, XXXX, I have repeatedly incurred late fees and interest charges because Citibank claims they did not receive payment on time. 

All my payments are sent through XXXX XXXX, which guarantees that payments will be received by the date due. In the attached documents, you will notice that the XXXX, XXXX, and XXXX, XXXX, payments were actually deposited by Citibank on the date due ( the second of each month ). Nonetheless, I was charged late fees of {$25.00} and {$29.00} respectively as well as interest charges for late payment. I was also charged late fees ( {$29.00} each plus interest charges ) for  the XXXX and XXXX payments, although XXXX XXXX  payment was received on time. As you will see for the XXXX payment, Citibank did not process the payment until XX/XX/XXXX, so I anticipate that yet another late fee and interest charge will appear on next months statement. 

My calls to Citibank to resolve this issue have consumed hours of my work day and been largely unsuccessful. I did get the late fees for XXXX and XXXX credited to my account, but Citibank refuses to issue any other credits because they claim to allow only one credit a year. 

If I were to give them the benefit of the doubt, I suspect that they are slow in processing payments. Although payments arrive on time, Citibank does not note the date received, but only the date they get around to processing the payment. This strikes me as fraudulent and I can imagine there are a number of consumers who have been charged in the same manner but are unaware of the practice if they do not check their statements carefully. 

XXXX XXXX  contacted Citibank on my behalf ( a copy of the letter is attached ), but to no avail. In addition, the day after my last communication with Citibank, I received notification stating that I had requested they stop all contact with me regarding past due status on my account. I made no such request and, given the fact that I have never been late with my payments, I was not even aware that they employed such a process. 

I would appreciate your investigation into the matter.

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 2020-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bank of America is the bank that manages my California Unemployment Benefits Card. BofA blocked my card onXX/XX/XXXXbecause I returned a home appliance originally purchased with the card - the credit registered with them as fraud XXXX it is not ). My card is now closed and I can not access the {$10000.00} on my card. I have been on hold at Bank of America for 5.5 hours so far today trying to clear the issue. Their system has hung up on me over 8 times. I am put on hold for over an hour at a time, and then the BofA system ends the call - I have to call back in and start at the beginning of the process all over again. I asked to speak to a supervisor in the fraud department to try to get help and I was told the supervisors were all going into a meeting but someone would be back with me. That was over an hour ago. Bank of America is making it impossible for me to access my funds. This is honestly boarding on criminal and abusive treatment by the bank.

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 2018-12-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been reporting of an identity mix-up on my credit reports ( XXXX, XXXX, Experian ) since 2013. I have filed two police reports and spoken to all 3 credit reporting companies with no success. I am unable to open bank accounts at US national banks or obtain credit because the security questions needed to open such accounts are not my questions. They are questions that pertain to another person by a similar name similar birthday as me. I have the name of the person my identity is being tangled up with but all 3 reporting agencies tell me there is no problem.

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 2023-02-06
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2023, I contacted EQUIFAX INFORMATION SERVICES to dispute inaccurate items appearing on my personal credit report. There was no action taken on my dispute and I have yet to receive a response. Therefore, since 30 days has passed with no response- these inaccuracies must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Was not notified of investigation status or results

Complaint:
I have already notified the credit bureaus of my identity theft issue 2 months ago. I was always under the impression that the credit bureaus have 30 days to complete their investigations. It seems as if my investigations have been ignored. According to 611 ( a ) it clearly states that failure to investigate within 30 days is grounds for automatic deletions. Please delete these accounts immediately.

Company response to consumer: Closed with explanation