BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt was entered onto my Credit report on XX/XX/2019 in the amount of {$510.00}. The Creditor was COMMONWEALTH FINANCIAL. I was not notified by mail, email or phone by the creditor to validate the debt. I mailed COMMONWEALTH FINANCIAL a certified letter with signature service requesting more information on the validity of the said debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I have not received any requested documentation from COMMONWEALTH FINANCIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: OH
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 disputing with the 3 Credit bureaus for 5 years that a auto loan appearing on my credit report is not my information and it is also inaccurate reporting. 
XXXX credit bureau is also now reporting a inaccurate bankruptcy on my credit report that is not mines also it is not even appearing on my other 2 bureaus The 3 credit bureaus are refusing to delete these inaccurate items and they are also refusing to send me written verification that these accounts belong to me and I have requested it in writing for years The credit bureaus are damaging my reputation and also preventing me from buying a home for my kids because they are reporting innacurate fraudulent information I want them to delete these negative items immediately so that I can properly take care of my kids They refuse to take the items off

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 2021-12-22
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and this Citicards loan is on it, which I have no knowledge of.

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 2018-01-04
Company: Experian Information Solutions Inc.
State: AZ
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:
I have written to Experian, XXXX, and XXXX, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX XXXX -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. XXXX and XXXX ignored my request entirely ; and Experian stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$20.00}

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 2017-07-27
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
As a qualified entrant in the XXXX Western Union {$1.00} Million Giveaway, I am complaining about : 1. The issue of non-payment of the grand prize to the reported winner, XXXX XXXX by Western Union based on attached documentation.
2. The issue of non-receipt of grand prize by reported winner, XXXX XXXX, from Western Union.
3.The issue of non-selection of alternate winner to receive grand prize by Western Union .
I am therefore requesting Western Union to resolve my complaint by providing documentation regarding the award of the prize of the XXXX Western Union in a similar manner like the announcement Western Union made on XX/XX/XXXX regarding a similar sweepstakes namely " Win a Mother 's Day 's Dream '' sweepstakes which I have attached as part of my complaint. I am also requesting Western Union to select me as an alternate winner since I was a qualified entrant in the event further action is warranted.
The name of the reported winner of the XXXX Western Union Sweepstakes, XXXX XXXX appears to be fictitious as shown by the attached documentation sent to me by Western Union. The city and state of XXXX XXXX was not reported. In fact, no indication XXXX XXXX was awarded the grand prize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XXXX XXXX I received my annual credit report from Transunion credit reporting agency. My report showed two items that I had no knowledge of. Both of these items were from XXXX XXXX. I called XXXX on XXXX to report that these items on my report were not mine and I had no knowledge of until I received my credit report. The person I talked to promised to have these items removed from my credit report within 7 days. I also called Transunion on XXXX XXXX, I talked to XXXX and advised him that the two delinquent items from XXXX were not mine. He said he would check with XXXX. Transunion subsequently sent paperwork that stated these items were verified as accurate. I called XXXX again on XXXX XXXX, XXXX. I talked to XXXX. She promised to have these items removed within seven days from XXXX XXXX. A few days later I called XXXX again and talked to XXXX. She said she could n't help me and sent me to XXXX who said I would have to talk to XXXX. XXXX said that all I could do was file a police report. I asked if he had a supervisor or boss. He said he did, and I asked to talk to his supervisor. XXXX hung up on me. 
I have been a XXXX customer since XXXX. I have never been late with a monthly payment. 
On XXXX XXXX, XXXX, I went to the sheriffs office in XXXX, Washington. I talked to XXXX XXXX XXXX. I gave all the information and paper work I had to XXXX XXXX. The results of the XXXX XXXX Sheriffs is included with my report. 

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 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX  / {$840.00} XXXX XXXX XXXX / XXXX / {$15000.00} XXXX XXXX XXXXXXXX / {$940.00} XXXX XXXX XXXX XXXX XXXX / {$600.00} XXXX XXXX XXXX XXXX XXXX / {$1300.00} XXXX XXXX XXXX XXXX XXXX / {$10000.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX / {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX / {$1700.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX / {$610.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2018-01-04
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In answering complaint XXXX Wells Fargo wrote two letters dated XXXX XXXX, 2016. (Enclosures B & C to the answert of Wells Fargo to my request)Both letters misspell my name. One totally butchers my first name, the other my last name. Is this an indidcation on the thoroughness of Wells Fargo's work? In both letters Welss Fargo promisses to remove or reclassify the inquiries which were made about my credit report with XXXX, XXXX, XXXX, and XXXX.I just checked my XXXX credit report and none such action by Wells Fargo is reflected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I noticed XXXX is still reporting XXXX XXXX XXXX XXXX XXXX on my credit report

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 2017-07-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT ABOUT THREE TIMES IN THE LAST FIVE YEARS AND HAVE ALERTED THE CRA. THERE HAS BEEN NUMEROUS FRAUD ALERT PLACED ON MY CREDIT FILE DUE TO THIS. MY MAIN PROBLEM WITH THE CREDIT REPORTING BUREAU IS THAT THEY HAVE REFUSED TO DELETE THE ENQUIRIES EMANATING FROM THESE FRAUDULENT ACTIVITIES.
I CALLED ALL THE BANKS AND OFFICES THAT ACCESSED MY PROFILE ABOUT THE UNAUTHORIZED ENQUIRY. I HAVE ALSO ASKED INFORMED EQUIFAX FOR A DELETION OF THESE ENQUIRIES WITH NO SUCCESS.
FIND BELOW THE INFORMATION OF THE UNAUTHORIZED ENQUIRY : 1. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX ( Bank can not find any record of this inquiry ) 4 Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5XXXX : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: WELLS FARGO & COMPANY
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:
Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender XXXX Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss. 

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( XXXX XXXX XXXX XXXX XXXX  During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXXXXXX XXXX XXXXXXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, XXXX XXXX XXXX XXXX ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: WELLS FARGO & COMPANY
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:
Well Fargo continues to claim that they've thoroughly reviewed this matter, but in reality all they've done to date is keep reiterating without merit that this matter has been previously addressed. They state this claim without actually seriously looking into my then financial situation without any legitimacy and emphasis on assisting the financial hardship I had to endure as a direct result of their toxic and destructive loans. The loan in question, a PICK-A-PAYMENT loan, has been found to be one of the most self-destructive Mortgage loans ever developed by any U.S based mortgage lender . Wells Fargo had to dole out millions in restitution via a " settlement '' and was supposed to assign a specialist to help modify said loans into restructured loans that would help save ones primary residency. Wells Fargo once again duped the courts by concocting modification approval formulas and mythology that favored their agenda and interests. I know this as a matter of fact due to my financial troubles that this very loan has subjected me to personally. To merely take principle, interest and penalties owed, slap it all on the back of the loan, keep the very same terms and conditions in place that caused the ruin to begin with and call it a " Modification '' is nothing less than insulting and deceptive. I will not go away and I will not stop fighting until Wells Fargo makes fair and equitable compensation for my loss. 

It is of known fact that Wells Fargos software algorithm resulted in Wells Fargo " mistakenly '' foreclosing on hundreds of homes over an eight year period ( ref https : //www.digitaltrends.com/computing/second-wells-fargo-computer-glitch-resulted-in-foreclosure-of-hundreds-more-homes/ ). During the time period in question I had submitted multiple modification requests that either had not resulted in a modification that would have provided relief during my time of crisis ( ref XX/XX/XXXX MOD Request ) or was simply denied ( ref XX/XX/XXXX XXXX & XX/XX/XXXX appeal ). These modification decision outcomes were critical and paramount in maintaining home ownership of the property known as XXXX XXXX place, XXXX Fl, XXXX. With the unfortunate and now predictable demise of Wells Fargos destructive Pick-A-payment loan that myself along with millions of other predatory lending victims were subjected to, ( https : XXXX ) the cost impact to such a toxic loan to this day keeps on eating away at its victims financial means in so many devastating ways.

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 2018-01-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have a loan out with One Main Financial, and I have been paying it faithfully, but I am sometimes late due to my paydays and how they fall. This company constantly calls me from the day the bill is due until like a day after the bill is paid and harass me. They do n't just call once a day they call several times a day and it 's always someone different. This harassment is causing my severe stress and I am breaking out with XXXX  due to it. They will not work with me to be more flexible with the due date so that it does not create this hostile environment. I have never been so frustrated with a company as I am with One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So I lost my job during Covid so o reached out to this company macys about this so that I would accumulate interest on this account. I owed a total of XXXX dollars on this account. Now the bill is XXXX which mean XXXX hundreds of that is interest. I am still not working at this time but I was able to get my hands on XXXX dollars that I tried to settle with them. And they denied the settlement. I am still not working and barely being able to cover the bills at home to keep a roof over my head still with Covid going on. They continue to call me even when I tried to settle this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hey, I was taking advantage of, due to malpractice while several laws were being broken under the Fcra by company. This caused me financial injury, this is cause of defamation of character. I cant get a job, I cant get credit or pay daycare. This hurt my ability to obtain credit because of this issue. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA or I demand these items be 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 non-monetary relief
Consumer complaint received 2020-06-23
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received an invitation to apply for refinance on XX/XX/XXXX I used it to apply for refinance mortgage at Suntrust mortgage on XX/XX/2020, since then I have not heard anything and sent many emails without getting any reply, online the status is " reviewing documents '' I tried to call the assigned NLMS broker but did not get any response, I tried calling the toll free number but I stay on hold for more than 1 hour and eventually hang up.

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 2018-01-05
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Messerli & Kramer has received several documents from me proving I am exempt from financial judgments & wage garnishments. I am exempt because I currently receive government assistance & have for several years. I received notice dated XXXX XXXX, XXXX a notice to appear in conciliation court on XXXX XXXX, XXXX. XXXX XXXX had hired Messerli & Kramer to obtain a judgement against me. This is a violation, as I have exempt wages in which XXXX XXXX XXXX has been made aware through supporting documents I had provided them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation