BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: CITIBANK, N.A.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
My Citi Bank Costco credit card was stolen from my gym locker on XX/XX/2021 between XXXX and XXXX. The credit card was used to make a {$500.00} purchase from a XXXX location. Citi Bank alerted me to the likely fraudulent activity via the Citi Bank App. I attempted to use the app to lock the card and report the card as stolen. The app was unable to lock the card of course and gave an error message. I called Citi Bank and reported the card as stolen and the charges as fraudulent. I successfully reported the card as stolen via phone at XXXX on XXXX. A provisional credit was issued to my account. Following an investigation, the credit was reversed and I was held liable for this {$500.00} charge from a stolen credit card. The reason for this reversal is that a request for additional information was mailed to me with a due date in XXXX. I called and provided this information after the requested due date on XX/XX/XXXX. 
I should have called sooner, but I still reported the card as stolen within hours of having it stolen. The credit should never have been reversed and the information they required was not relevant to the fact that the card was stolen.

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 2023-04-06
Company: Rocket Mortgage, LLC
State: SD
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:
Rocket Mortgage has been reporting Fraudulent information to my credit report since XXXX without my written promission and without any communication or opt out ever sent to me. 

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.

Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX Message body To Whom it may concern ; XX/XX/XXXX I was coerced into what turned out to be a predatory loan, in XXXX. I could n't afford the loan and expressed my concern to the broker., who placed in writing that if I could make payments for a year, he would get me a loan with a lower interest rate. This did not happen. I maintained the payments with great struggle for a year as requested. I was not able to continue paying the payments, my business had slowed down greatly and the money was not coming in to make the payments. Then in XXXX I became XXXX, I applied for a loan modification for a lower interest rate. After several attempts got absolutely nowhere. No one would talk to me. So I went to a govt agency for assistance, they worked with me to apply again for the loan modification. Resulting in their conclusion that the bank was deliberately trying not to help me. 
I finally received XXXX but that was no where near any amount that could help me pay my payments, forcing me into bankruptcy. 
Not paying any payments- the bank has since decided to foreclose. I have hired a company to do a forensic study on my mortgage -which resulted according to their conclusion, that are many violations and foreclosing would be fraudulent. There is proof of electronic violations, the original note has been lost or destroyed, note and deed of trust have been separated, the right party to foreclose must have in and original note as well as deed of trust to foreclosure. In this case no one entity does. Therefore foreclosure is deemed fraudulent. Please contact me as soon as you are able any assistance you can send my way is greatly appreciated - I want to stay in my home of 30+ years. Thank you - respectfully, time is running out. none of my documents on the computer, So I can not download and send docs to you. I can fax them to you if given a fax number you have access to. please advise thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: NV
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 understand that is my right by law to dispute inaccurate information on my credit report and from my understanding the Equifax doesnt wish to allow me to exercise that right. I have mailed my dispute to them as of XX/XX/2023 and never received any correspondence from them in regards to my investigation into the matter as I was also a victim of a data breach from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Mercedes Benz Financial Services
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:
In XXXX of XXXX Mercedes Benz Financial Services agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please investigate and delete disputed items that are listed on my consumer credit report : XXXX XXXX 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 2020-11-30
Company: EQUIFAX, INC.
State: OH
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 XXXXXX/XX/XXXX I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Mr. Cooper Group Inc.
State: MD
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:
I have 4 late charges on my credit report that the company promised wouldnt happen when I was on a Covid Relief payment when I lost my job. Ive havent missed a payment since. Please remove all late payments from my credit report which is inaccurate. Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
denied credit .found experian had placed a fraud alert on my report illegally & in error.this was not requested by me or any one else, no company or bank. 
experian without my knowledge placed tis on my report & refuse to remove it unless i send them a letter & two forms of identification by mail. 
i absolutely resent this demand of what time i have left to live. 
im a elderly XXXX veteran & im very saddened by this cold hearted treatment.this was their mistake.no one else.yet im being held responsible for getting corrected.

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 2021-04-29
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX is my primary bank. It has been my primary bank since XXXX. I have one current loan for the amount of XXXX. 

However, Equifax is showing a loan for the amount of XXXX from XXXX. It is showing negative on my credit report. I have never had a loan with XXXX for this amount. I made contact with XXXX and they have sent to all credit bureaus this information is incorrect. However, XXXX is reporting this on a current credit report and on XXXX 

I would like for Equifax to verify all accounts with XXXX. I do not want them to use XXXX. This agency is reporting incorrect information on my credit report. They have information from XXXX which should not be reported at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-08
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went through a nasty divorce and simply want to get my credit and finances back on track. All I want is NationStar/Mr Cooper to please remove all of the reporting that they are furnishing to XXXX, XXXX, and XXXX. The account balances and past due information is inaccurate and damaging my credit profile. This was a joint account however I am taking the brunt of this after the divorce. I lost my home I simply want to get my life back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: GA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
At XXXX today, I received an email that an application for an account had been created by Bank of America . Also at XXXX, I received an email that my application had been approved. 

The thing is, I never applied for this account. 

When I attempted to chat to close, I was told I had to call. So I called ; the first person I spoke to said that there was no information on how the account was opened. He transferred me to another person who was going to submit a fraud claim and then wanted me to call back to close the account. After declining that *very appealing* offer of wasting yet more of my time on an issue I didn't create, she closed the account and initiated the claim. 

I wanted to report this as, given the first person 's comment, it seems likely to me that an employee at Bank of America opened this account. I know financial institutions have fraudulently opened accounts in the past to pad their stats. 

I do not know if this is possible, but I would like to see some documentation regarding the alleged application that was submitted and approved.

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 2019-11-08
Company: EQUIFAX, INC.
State: MI
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:
There is a credit inquiry from XXXX that is showing on my account from XXXX. This is not mine and I have already contacted both XXXX and Equifax. 

It also shows XXXX as my employer, which is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$440.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 I transferred all the funds from my account out of the account and asked the bank to close my account. I discovered 2 months later the account was not closed and had accrued fees on the account so that I had a negative balance. I called on XX/XX/2020 and asked for the account to be closed and the fees to be refunded. I was told that would be taken care of. I saw my account has the fees refunded and assumed it was taken care of. 

Two months later I have since discovered for a 3rd time the account was not closed and the account has still racked up fees. I am unable to call them as their wait time is in excess of 30min and there does not appear to be an easy way to email the bank. 

The bank is continuing to charge me fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-04-06
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 contacting the credit bureaus about the false information being reported to my credit report the issue is not being resolved

Company response to consumer: Closed with explanation