BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: WELLS FARGO & COMPANY
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 had a HELOC with Wells Fargos that was paid and closed in XX/XX/2016. Wells Fargo continues to report this account to XXXX even after an agreement was made no negative reporting would be done after payment and closure. After several attempts to talk to Wells Fargo, they refuse to stop reporting this closed account credit bureau. 
This account was paid and closed over 5 yrs ago and should not be reported. They report every month dropping my score.

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 2020-04-29
Company: Experian Information Solutions 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX  XXXX {$870.00} XXXX  XXXX {$14000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXX XXXX {$19000.00}

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 explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
complaint # 1 : ( Account XXXX XXXX ) the credit bureaus are confirmed the XXXX  XXXX  account to be reporting as Accurate. I've provided proof that this account is still reporting inaccurately on my credit report. can you please help me resolve this issue by REMOVING this account from ALL of my credit reporting agencies! 

complaint # 2 : ( Account XXXX XXXX ) XXXX  XXXX  agreed to Remove the account listed if I paid the agreed amount of {$1500.00}. I am providing documents and bank statement to prove that I followed the agreed terms. XXXX  XXXX  did not hold up their end of this deal by deleting this account off my credit report I'm requesting that you please help me resolve this issue by removing this account from all my credit reporting agencies!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Credit Limit {$500.00}, Date Opened : XX/XX/XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2019-09-09
Company: PMAB,LLC
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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have been recieving unemployment for 3 months n eppicard They locked it XX/XX/XXXX day in n day out i stayed on hold until finaly i got an amswerXX/XX/XXXX i used the card to withdrawl 2 days and it locked right back up and the process had started all over again.no one ever answers the phone eppicard unemployment Mississippi worst card customer servics ever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a Capital one card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the capital one and total visa cards. I set up another payment plan for the discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
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: Account information incorrect

Complaint:
This medical account should not be on my credit report This under 180 Days please Remove Off My Experian credit report due too hippa violation!!! 

This collection acct is 1 month old ....

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 2022-11-26
Company: Bread Financial Holdings, Inc.
State: MD
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 new complaint is in connection with case # XXXX related to a payment on my credit card account ( XXXX ) that Comenity is alleging was found on a close account. This payment was made on XX/XX/XXXX and the money was found on XX/XX/XXXX. Therefore the bank held onto my money for 130 days. I reviewed the status of my account for notes that were made as of XX/XX/XXXX and I am not being properly compensated for the interest that should accrue to me using a 17.24 % credit card interest rate. What is reflected on my By 's credit card accounts ( serviced by Comenity Capital bank is a return of finance charges in the amount of {$180.00} which is not acceptable. Using the interest rate charged to customers ( 17.24 % ), I am due a minimum of {$400.00} using a simple interest rate calculation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from 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 explanation
Consumer complaint received 2021-12-01
Company: NFM, INC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our home was damaged during Hurricane Ida ( XXXX  ). We received insurance funds from our insurance company in early XXXX. The check was made out to myself, my husband and our mortgage company NFM. We endorsed the check and mailed it overnight to NFM on XX/XX/XXXX, included with the check was a self addressed overnight envelope. 

On XX/XX/XXXX, I contacted NFM to find out the status of the check as we had not received it back yet. At this time, we were told that because our loan was being transferred on XX/XX/XXXX, the check had been endorsed but was sent to the new mortgage company. I was provided the new servicers name, phone number and the tracking info for our check. 

1. As of XX/XX/XXXX we had not been informed- aside from verbally - that our loan was being transferred 2. the check for repairs was made out to NFM XXXX myself and my husband. The new servicer will have no ability to do anything with the check and mailing it to them is simply delaying our ability to finalize the repairs to our home. 
3. as of XXXX I contacted the new servicer and they have no record of myself, or my husband or our loan as our loan has not transferred to them yet. 

We are at a loss about what we can do to get this resolved, and do not wish to assume the financial responsibility of legal counsel unless needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Credit Resolutions, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company, Credit Resolutions , LLC has failed multiple times to validate the debt of {$XXXX} they are trying to collect from me although I have sent multiple debt validation letters to them. In XXXX of XXXX, I wrote this company requesting validation of debt ( a contract bearing my personal signature, their right to collect/ownership of the debt, all fees, penalties I allegedly owe ) and they have failed to provide me with the information I requested. I have since sent XXXX more letters requesting this information and they have still failed to provide me with the information but refuse to delete this file from my credit report and continue to pursue me for this alleged debt. They are claiming validation was already sent in XX/XX/XXXX ( before the account ever even existed! ) but I have NEVER seen any of the information that I am requesting from them. This is a direct and obvious violation of XXXX and a violation of the FDCPA. It is causing damage to my mental health to have to continue to fight this, and will also cause financial damage as I will be hiring a lawyer and fighting this in court if it is not removed amicably after this complaint is filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit report reflects two accounts of the same amounts of {$170.00} from the same company XXXX XXXX XXXX for the collection of funds for XXXX XXXX XXXX This is a duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ACIMA CREDIT, LLC
State: FL
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:
15 U>S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please deleted this item IMMEDIATLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-10-11
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, PNC Bank was provided with illegal garnishment papers from a XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, who through illegal channels and without proper written notification to me filed documentation with Superior Court of New Jersey, XXXX County, Special Civil Part. PNC Bank is insisting on holding the funds in my account until I resolve the issue of this illegal garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America offered me a 3 month trial modification and I completed it. They restarted the loan with 40 years. Im a senior citizens the term of the modification is not conducive for me

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 2021-04-29
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I have been trying to resolve an account since XX/XX/2021, original creditor is XXXX XXXX for the amount of {$5800.00}. I contacted the Bureaus on XX/XX/2021 and they sent me to XXXX. When contacting the lender XXXX XXXX XXXX  ( on XX/XX/2021 ), they couldn't provide accurate information about the account. However, on XX/XX/2021, XXXX XXXX, Collections Supervisor, offered me a settlement for the amount of {$3400.00}. When trying to pay this amount they sent me to the first lender, The Bureaus. I contacted XXXX XXXX, Operations Support Manager at the Bureaus Inc, and they claimed to not have knowledge of the account and sent me back to XXXX. Yesterday, I was contacted by XXXX. XXXX XXXX from XXXX offering me help with the account, but when I called back, they told me that I have to contact the Bureaus. They have been " playing this game '' since XX/XX/2021 when I first contacted XXXX XXXX XXXX. I am really concerned, worried and having XXXX  issues about this account and what could happen if both lenders keep avoiding responsibility and denying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: Convergent Resources, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has no contract that I have agreed to do any kind of business with them. They are claiming a debt from me that I do not owe to them, they have not validated with me any legal right to collect a debt from me. This company has no contract with my signature agreeing to do any sort of business in the past nor future. I have never signed any form of agreement with Convergent Outsourcing Inc . This company has no right to report anything on me to any of the credit bureaus according to the law.

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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the following 2 accounts on my credit report, and I was never given any physical verification as promised by the FCRA, instead my report was updated without verification. The following accounts, Bank Of America ( XX/XX/XXXX ) inwhich I was put on as an authorized user inwhich I had no knowledge of. Also I disputed XXXX XXXX XXXX ( XX/XX/XXXX ), a company inwhom says they have absolute no record of me and advice me to dispute it, However, XXXX keep updated this information, never not once giving me an physical 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 non-monetary relief
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My fraud alerts are 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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

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 2022-01-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
GOOD AFTERNOON, I AM HAVING A MAJOR ISSIUE WITH CITIBANK. WHENI HAD CITIBANK, AT THE BEGINNING I DIDN'T HAD ANY PROBLEMS WITH THEM TILL THEY PUT AN FRAUD ALERT IN MY ACCOUNT. THIS FRAUD ALERT WAS DATED ON XX/XX/2021 AND IT STILL YET HAS NOT BEEN RESOLVED. THE REASON WHY I HAD THIS FRAUD ALERT WAS BECAUSE UNFORTUNETLY I GOT SCAMMED BY A LADY WHO I STARTED WORKING FOR HER ONLINE TO DO HER ERRANDS AND WAS PAYING ME THROUGH XXXX. WHEN YOU GET PAID BY XXXX, UNFORTUNETLY, YOU DO NOT KNOW WHERE THE MONEY IS COMING FROM RIGHT. SO WHEN I WENT TO THE BRANCH TO TALK TO A FRIEND OF MINE WHO WORKS THERE SHE EXPLAINED TO ME WHERE THE MONEY WAS COMING FROM. IT TURNED OUT TO BE THAT THIS LADY WAS PAYING WITH SOMEONE ELSE 'S UNEMPLOYMENT CHECK AND THAT'S WHY CITIBANK PUT A FRAUD ALERT IN BOTH OF MY ACCOUNTS CHECKING AND SAVINGS. WHEN I CALLED THE FRAUD DEPARTMENT I EXPLAINED TO THEM THAT I HAVE NOTHING TO DO WITH THAT AND THAT I'M INNOCENT BUT THEY SAID THAT I NEEDED TO WAIT 30-90 DAYS SO THEY CAN INVESTIGATE AND NOTHING HAS BEEN DONE. I CALLED EVERY TWO TO THREE WEEKS AND THEY ALWAYS TELL ME THE SAME THING. I HAVE VISIT THE BRANCH SEVERAL TIMES AND THEY SAY I HAVE TO DEAL WITH THE FRAUD DEPARTMENT. AS YOU CAN SEE THEY HAVE ME BACK AND FOURTH AND STILL THIS PROBLEM DOESN'T GETS RESOLVE. WE ARE TALKING HERE OF ABOUT {$7000.00}, THEY HAVE MY SAVINGS, MY TAXES AND SOME OF MY STIMULUS MONEY ON HOLD. I DO NOT FIND THIS FAIR, I HAVE XXXX KIDS WHO DEPENDS ON ME AND I DO NOT WORK FULL-TIME PLUS WE ARE ON A PANDEMIC AND IS LIKE THEY DO NOT CARE. I DO NOT RECEIVE ANY UPDATES FROM THEM UNLESS I CALL THEM. PLEASE HELP ME WITH THIS SITUATION. THIS IS SO FRUSTRATED AND I CAN NOT DEAL WITH THIS NO MORE, I NEED YOUR HELP.

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