BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: STERLING JEWELERS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on XXXX. XXXX is only reporting the same collection on XXXX and not the other bureaus. This is a violation and it needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Capital Accounts, LLC
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 information incorrect

Complaint:
The Capital Account was sent to collections in 2016 and is a medical debt that is in dispute. This account continues to renew monthly and is affecting my credit score negatively. The amount is inaccurate. This account should not continue to renew after it's been sent to collections especially when it's a medical dispute for an auto accident. Please remove from XXXX. it has been removed from the other two credit bureau yet still remains in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
I sent a letter on XX/XX/XXXX to remove : 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 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 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 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 
those items above are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2023-08-18
Company: CITIBANK, N.A.
State: PA
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:
Two fraudulent accounts were opened in my name and approved through Citibank. One was for a home depot credit card and the other for a best buy credit card. After talking to Citibank, I found out some concerning information that should have been a red flag for them to deny the application. The bad actor/s had a birth year of XXXX. I was born in XXXX. No one forgets what year they were born. The other concerning thing is that the address they used to apply was somewhere in XXXX, Michigan. I have lived in XXXX XXXX, PA since XXXX and I still reside there to this day. I've never even visited the state of Michigan, let alone moved there. So far, only the home depot account has been reported as a new account opened in my name. I know the best buy account being opened will probably be coming next. I only knew of this b/c on XX/XX/XXXX at XXXX at night I looked at my XXXX  account and it notified me that 2 hard inquiries dropped my XXXX XXXX. When I investigated it, it led me to Citibank. I contacted them soon as they opened up on XX/XX/XXXX. Today, a new posting of the account appeared and dropped my score XXXX more points! Yes, Citibank is investigating but they are not moving fast enough. At least they could move at the same speed they carelessly authorized criminals to make purchases through my hard earned XXXX XXXX. So far, I have have contacted Citibank, XXXX, and XXXX. XXXX stated they would alert XXXX and XXXX for me so I didn't have to make an additional call.

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 2018-04-20
Company: Colony Brands, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Applied for Mortgage loan, and noticed this account on my report. Attempted to contact the listed creditor name ( XXXX ), who informed me that this account now belongs to XXXX XXXX XXXX XXXX, and to contact them at XXXX. Ive never received any notices from either XXXX nor XXXX XXXX XXXX XXXX about any accounts nor do I recognize this account. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX, Santander sent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX to my house and repossessed my XXXX XXXX XXXX XXXX vin number XXXX in violation of The statute of limitations is Collection of Debt on Account 3 yrs. Civ. Code 3494 ( 4 ) has passed on the debt. Please read the previous complaint filed in XXXX and other previous complaints regarding this issue. My son has no way to get to work. all our belongings are in the car he will lose his job. They have continued to harass me by sending random people at all hours of the night on my property scaring me because I do not know who they are and they do not identify themselves. Santander was made aware of this in XXXX of XXXX in the previous complaint .santander charged it off on the credit report and stated in court papers they no longer want the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2017-09-25
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I performed a short sale with Regions Bank in XXXX. The Account should have been closed as per the acceptance terms. Recently we found out that a derogatory payment was reported to the credit bureaus on XXXX, which has affected my credit score. 

No derogatory information should have been reported, because the account was closed in 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 non-monetary relief
Consumer complaint received 2020-07-10
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
i was sent a us bank reliacard in the mail. i have no idea why, as i am not on any govt benefits or unemployment. i suspect it is fraud. i called us bank fraud dept, and was told that they could not help me and my call was forwarded to a number that tried to get me to put in my social security number to activate the card. there is nothing on their menu for fraud. after sitting on the call on hold for over an hour, it was disconnected for no reason. called back in, and same thing happened again. around an hour on hold and then disconnected for no reason. so not only has someone potentially committed fraud in my name, the horrible customer service of the bank has no willingness to look into the matter. i have lost now 3 hours of my work day trying to deal with this mess.

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 2017-09-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear sir, I deposit check to my checking account for XXXX usd in XXXX of XXXX. in Wells Fargo the amount deposited XXXX my account at-once and rest shows as pending pending in my account up to day XX/XX/XXXX. 
On day XXXX the total money deposit full in my account, on XX/XX/XXXX I spend XXXX XXXX from my deposit, on XX/XX/XXXX bank inform me that the check return and put out the total money which was deposit in my Checking account, I did have enough money in Checking account, on rely to Bank statement i did the transaction, ( since i did not money in my checking account the drown money from my saving account to complete the money which has been weird, As a result of this statement i lost XXXX XXXX i asked Wells Fargo why you pending and deposited to my account and why you give me access on XX/XX/XXXX. and pull it on XXXX, I suffer from this action and lost XXXX XXXX which i can not afford please help me I talk to wells Fargo they I must wait for 14 days to see if the check is passed or not this is true? and for why deposited my account they told me this bank regular situation and I should know the rule? befor i spend the money, but the only thing they done was return XXXX usd fee back to my account, Please help me thank you 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 2020-08-12
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report That doesnt belong to me XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16
Company: WELLS FARGO & COMPANY
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: Received unwanted marketing or advertising

Complaint:
Wells Fargo decided for no reason to close all of my checking accounts and credit cards five years ago. But, now all of a sudden are sending me marketing emails for their bank with no way to opt out without being able to log in and change options. Although prior to them closing my accounts already had that option to not receive marketing emails chosen. I have sent Wells Fargo emails asking to stop sending any and all email, but it still continues. I would like Wells Fargo to have an unsubscribe tab on all emails without having to log in. They made a choice to cancel my accounts, I choose to cancel Wells Fargo and not have to see anything related to that bank in MY email box. I want out!

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 2019-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX XXXX, I received a legal settlement of approximately {$56000.00} that was deposited into my Bank of America checking account. It was from a XXXXage discrimination case due to me having XXXX XXXX. Bank of America immediately debited approximately {$23000.00} from that account to pay the entire balance on my XXXX Visa card that was on a payment plan. No communication happened from Bank of America prior. 

Bank of America claims I personally secured the corporate Visa Platinum card, and accessed my Social Security number from my personal account. I would NOT personally secure it to the extent such would be like a personal loan, secured by my checking account. My corp. had a FEIN number that is most likely what I used. Otherwise, why have a corporation. And why would Bank of America give me a platinum card with a $ XXXX limit had my credit score not justified it. 

My neighbor is a XXXX XXXX bank auditor, and stated what B of A did to me was illegal.

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 2019-06-04
Company: EQUIFAX, INC.
State: AL
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 was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: CT
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. This account below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681. 

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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

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 items of information, other then records of convictions of crimes which antedates the report by more then 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 2018-12-20
Company: Security Credit Services, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt account was open on XX/XX/2018. The company is Security Credit Service. The debt amount is XXXX. I am not aware this debt and it is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with XXXX XXXX that was Fraud some how PORTFOLIO RECOVERY # XXXX now has it, I had previously disputed this account.I do not owe this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
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: Investigation took more than 30 days

Complaint:
XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This is a complaint against Wells Fargo Bank, N.A. XXXX, CA and XXXX XXXX XXXX XXXX XXXX, XXXX, NE who has registered XXXX XXXX a credit card processor, as an Independent Sales Organization, that failed to credit my business account XXXX XXXX located in XXXX, Georgia for six days batch settlements from XXXX, XXXX, and XX/XX/2018. Batch settlements were not credited because XXXX XXXX equipment failed to send settlement credit for the days sales on six separate occasions. The total amount due me for settlement credit is {$1400.00}. I have the signed card receipts to support the claim for missing batch settlement credits, copies of which were sent timely to techs at the XXXX XXXX settlement processor, XXXX in order to obtain keyed settlement for credit to my account, which never happened. 

XX/XX/2018, {$350.00} ; XX/XX/2018, {$150.00} ; XX/XX/2018, {$280.00} ; XXXX XXXX, {$320.00} ; XX/XX/2018, {$150.00} ; XX/XX/2018, {$160.00}. Additionally {$45.00} in tip adjustments for XX/XX/XXXX when the replacement Central Payment XXXX   machine showed adjustments not allowed and the reported tips were not keyed in. 

Please be informed that my attempt to get settlement was, in all cases, timely and persistent with XXXX XXXX, Merchant Representative and several of the customer service techs at XXXX, which is the financial processor for XXXX 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 2019-06-04
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with LoanCare Servicing. I have been on electronic statements and records for a long time. Over the last few weeks I have been unable to access my online account, and therefore can not access statements and other information vital to the process of escrow for a new home. Several times I have waited on hold for very long periods trying to get LoanCare to fix this. Each time I am told they will call me back " in a few days ''. I never receive the call. My attempts to resolve this via email have not been successful. 

LoanCare is harming my ability to obtain a new loan, see the status of my existing account and manage any account aspects. They have also been very rude each time I have discussed this issue with them. 

LoanCare Servicing XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX 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 2023-02-02
Company: CITIBANK, N.A.
State: MI
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:
I called Citi bank to dispute a charge on my Costco/Citi bank card , which they canceled the charge then resent another card. Three days later I had another fraud charge on the new card ( which was never activated by myself ), I again called Citi bank who canceled my whole account instead of my card. Now they state they can't reopen my account, but also are refusing to issue my rewards that I have earned from last year. They claimed that since the account is closed, their terms state that the rewards are forfeited. The account was canceled in error by one of their employees and was never requested by myself. I have had the card for almost 10 years and have paid the card in full every month.

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