BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I asked Equifax and XXXX  on to conduct a investigation per section 605b of the FCRA. I sent them a copy of a FTC AFFIDAVIT NOTARIZED AFFIDAVIT AS WELL AS A FTC IDENTITY THEFT REPORT. 
I sent all request certified mail ON XXXX XXXX OF 2020 or with delivery tracking. They refused my blocking request of the  information because they cant meet the time guidelines set forth by the FCRA. Equifax said no on XX/XX/2020 by letter to the blocking request with no reason why? But said they would do a regular investigation which simply gives them more time then what is set forth by the FCRA FOR SECTION 605B. Not giving a legitimate honest reason why is a violation of my rights by law. XXXX  on XX/XX/2020 sent a letter and said no that they had investigated in one day and had clearly not investigated anything and offered to do a regular investigation into the identity theft. I WILL SUE ALL OF THEM IF THEY DO NOT GET THIS CORRECTED. THIS IS CAUSING ME FINANCIAL DAMAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have attached a 38 page pdf file documenting my experience with Barclay 's Bank Card for a service I paid for that was not rendered. As you review the attached information you will see that I contested a charge from XXXX For Less to fix a transmission of one of my cars that I repeatedly had to bring back to them to fix which they never fixed correctly. Barclay 's Bank Card initially credited my account for this issue, but then put the charge back on my card based on the vendor 's hand written letter indicating that I had a 2 year warranty for the work performed. Based on this I continued to take the car back to this vendor to have it fixed correctly which was never done, then coming to the end of the 2 year period I resubmitted to Barclays Bank Card for this to be credited to my account which they responded that it had been too long for them to contest this with the vendor. You will see that I continued to contest this entire escapade with Barclays Bank Card and during that time they turned my account to their collections department while I was still engaged with their billing dispute department. Finally after over a 2 year dispute I agreed to settle with Barclays Bank Card with the condition no late payments would be filed with the credit bureaus which is the reason for my complaint. The fact that Barclays Bank Card says they tried to contact me for more information and I did not reply to them is insulting. You will see in the attached documents I contest the fact that I did not respond. My request is quite simple, although I am not pleased at all with this entire experience with the vendor as well as Barclays Bank Card I do not feel that late payments should have been reported to the credit bureaus causing my credit score to drop 77 points because I was still in communication with the Barclays Bank Card 's Billing Dispute Department trying to resolve this situation when they apparently flipped my account to their Collections Department. The last point I would like to make which I am sure you in your line of work are familiar with is that with well over 100 hours invested in my attempt to resolve this situation I was never able to speak with someone who had the knowledge and authority to help me with my problem. I repeatedly was told the same things as if they had a script which can also be seen in the attached correspondence. Finally the only thing I am asking for is to have the late payment reporting to the credit bureaus retracted based on Barclays Bank Card inappropriate handling of this situation. Thank you in advance for your help with this matter. 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 2020-12-11
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX I was notified by the 3 major credit bureaus that there was a negative collection reporting for {$390.00} by National Credit Adjusters on behalf of XXXX XXXX XXXX XXXX  XXXX. I have contacted both companies notifying them and providing documentation of identity fraud to no avail. They have continued to report this fraudulently acquired negative collection account and have refused to delete with the bureaus. I have never been a customer and never will! This is a clear violation of my Fair Credit Reporting rights and I intend to immediately pursue civil litigation if there is not a positive resolution resulting in the permanent deletion of said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRUIST FINANCIAL CORPORATION
State: WV
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:
Unsatisfactory and damaging services were charged to my credit card by XXXX on XX/XX/2020 and they were notified immediately. A dispute was filed with SunTrust, my credit card, and their ruling of XX/XX/XXXX appears to have nothing to do with the protest filed. See letter recently sent SunTrust dated XX/XX/XXXX with documentation.

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 2018-07-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After over 50 years of having Wells Fargo bank accounts, the bank randomly decided to close one of my small business checking accounts. Wells Fargo refuses to provide an explanation other than its a " business decision '' that can not be contested and will not be explained. The account in question has an average balance of over {$10000.00} and has never had a bounced check or a deposited check returned for lack of funding.

This causes a great hardship as I am forced to find a new bank AND I will have to close my other five accounts with Wells Fargo as I will not know when or if they will decide to randomly close these as well. We all know Wells Fargo is a corrupt and crooked operation but I chose to stay with them because of the hardship I would have to move accounts. I live in a small town and banking choices are very limited.

I know there is an active investigation regarding this matter with Wells Fargo and would like my complaint to join this effort.

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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 opened up my Bank of America credit card in 2006 and I have had a 100 % payment all these years and now Bank of America has closed my credit card for no real reason, as Ive been a responsible user for 14 years with no late payments at all, my credit is negatively being impacted for losing this credit line.

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 2020-12-11
Company: 21ST MORTGAGE CORP.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I loss time at work from my XXXX  XXXX  while waiting to get accepted to have XXXX to help with my condition then after XXXX i didnt receive any income while recovering im now back to work iv called and tried to make arrangements they refused to accept the offer and said it needs to be paid in full now this company has been very hard to work with and when you call to work with them they are always very nasty and ruthless im not planning on going anywhere and need to keep my home would not like to be another veteran homeless when im able to get things caught up please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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:
Since XX/XX/2020 I have paid my mortgage to XXXX XXXX  XXXX. I never saw any improvement on my score. I am a XXXX wines and have been having issues with the credit bureaus. I have paid on time and none of my scores have improved. It now XX/XX/2020 still after all the investigation and disputes no improvement on my score for paying on time. I know that my score should go up but it keeps dropping. I can not purchase a car for getting to the doctors office I have a XXXX XXXX. I do not know why Im being discriminated against my XXXX and age and race. 
All three credit bureaus have stopped my scores from improving. 
XXXX XXXX never boosted my scores. 
Experian, XXXX, XXXX  never posted my 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 2020-07-06
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:
FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX XXXX open XX/XX/2016 {$22000.00}, my name is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Communicated via certified letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX, XXXX XXXX XXXX ) provide debt verification and validation proving an alleged debt belongs to me. XXXX XXXX and XXXX XXXX XXXX have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX  f/k/a XXXX XXXX ( Account # XXXX ) belonged to me. 

XXXX XXXX XXXX, XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased. 

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115. 

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX, XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately. 

On XX/XX/XXXX, received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.

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 2020-05-14
Company: EQUIFAX, 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 was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
While applying for mortgage loans I discovered that my credit score was negatively affected by multiple cards opened in my name through CITIBANK, XXXX, and XXXX XXXX. They were opened years ago and never used, but having so many cards opened hurt my score. When I called Citibank, they said their own fraud department had flagged and closed the accounts. I was never alerted to these fraudulent cards, and they still appear on my credit report to this day. I believe these cards are hindering my ability to purchase a home and need them taken off as soon as possible. The cards were opened in states I have never lived in. The XXXX XXXX is also fraudulent. They claimed it was removed from my report but it is still there. Cards are listed bellow. CITICARD CBNA - opened XX/XX/XXXX ( 3 cards ) ( remains open ) CITICARD CBNA - opened XX/XX/XXXX - closed XX/XX/XXXX XXXX - opened XX/XX/XXXX - closed XX/XX/XXXX ( 2 cards ) XXXX XXXX - last reported XX/XX/XXXX ( remains open ) At the end of the complaint report it asks for the address associated with the card. I do not have addresses for any of the fraudulent cards, but it wo n't let me continue without one. I will check the box that it is the same as mine, but that is incorrect.

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 2020-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 i deposited two checks, each for {$1200.00}. This is a recurring transaction. Several days later the payor, a tenant, advised that the funds were not withdrawn from her account. I checked my Citizens bank account and saw that only {$1400.00} was credited. I called Citizens Bank customers service and was told the issue would be resolved. As of today it has not and I have had to contact the branch again. I did send a message via the contact section on the mobile app, but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: WATERSTONE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was shopping around for lenders for a conventional mortgage loan. I did end up finding a more competitive interest rate with a credit union and after letting Waterstone Mortgage know of my decision ( nothing had been formally signed with them ), I was harassed and sent an extremely degrading and unprofessional email. XXXX XXXX ( The mortgage advisor that had been assisting me ) even called the listing agent to try and sabotage my purchase on the home! I do have the email on hand. Horrible way to treat a customer and extremely unprofessional.

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 2020-05-14
Company: National Credit Adjusters, LLC
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: Information belongs to someone else

Complaint:
NATIONAL CREDIT ADJU is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX XXXX which is listed as the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.

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 2017-08-03
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX. I did not receive any information regarding where to pay may bill until a week before the payment was due. I attempted to log into my account multiple times, but the company 's website continually states " We could not locate your account. Your information does not match our records. '' The message goes on to give a toll-free phone number and the hours of operation. When I called the phone number, I would be put in, what I assumed was some kind of call queue. No one would answer the phone. I did finally get to make a payment. However, the only way I could make the payment was to pay {$10.00} more than my agreed monthly payment and I had to make my payment via XXXX XXXX. The company did call me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they called me while I was at work. It is my understanding of the Dodd-Frank act, that debt collectors are not permitted to call you at work. They left a phone number for me to call them, but were not and are not available outside of my working hours making it almost impossible to communicate with the company. I was able to call the company on my way to care for my elderly mother at lunch time. Since I did not have a computer to use while I was driving, the individual I spoke with told me she could not help me. She stated that I am entering incorrect information in the registration form. While I did not have my account number with the company with me at the time - I do not carry such information with me wherever I go - I did verify my social security number which is the alternative form of sign-up on their website. She state that was correct. I have attempted multiple times since then to try to get logged into my account. When I try to sign into the website, I still get the same message " We can not locate your account.... '' My next payment is due tomorrow. I attempted to log in again this evening. Again I got the error message. I have screen-shots of my attempts to log in with the messages. This company is doing its best to unfairly deceive consumers purposely making it difficult to pay their bill in an attempt to force them to use XXXX XXXX and to force customers to pay more than the agreed monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$530.00} XXXX XXXX {$2600.00} XXXX   XXXX {$460.00} XXXX XXXX XXXX XXXX {$520.00} XXXX  XXXX {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: MD
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 received dispute requesting fraudulent activity initiated by the following creditor ( s ) in result of reinvestigation submitted XX/XX/XXXX both creditors retaliated and  neglected to to resolve over 3 years ago. 

XXXX XXXX XXXX monitors my credit file as if I provided them free access. XXXX XXXX XXXX begin reporting to Equifax in result of an XXXX   reinvestigation against their company reporting an account disputed, closed, and removed from Equifax and XXXX. Equifax allowed XXXX XXXX XXXX to update my consumer file after an alert was provided stating a payment was late to XXXX XXXX XXXX in XXXX for one month. Equifax begin reporting to third parties on behalf XXXX XXXX XXXX I owe XXXX XXXX XXXX {$340.00} and failed to pay since XX/XX/XXXX. 

Equifax updated another derogatory account disputed over 3 years ago with XXXX XXXX XXXX XXXX pertaining to a fraudulent transaction involving a business check deposited by XXXX XXXX XXXX XXXX connected to this said account which my now adult daughter is connected to that account in good standing. On behalf of XXXX XXXX XXXX XXXX whom continues accessing and monitoring my consumer file in a fraudulent manner Equifax continues updating FP status that did not exist on consumer file at any time prior to XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation