BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Account Number XXXX Amount of {$4900.00} Account Number XXXX Amount of {$2000.00} Account Number XXXX Amount of {$430.00} I did an FTC report and sent it to each credit bureau on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was sent three transactions totaling XXXX on my XXXX   app for business. The first transaction went through with no problem the next day and was in my account that morning as was told and expected. The other two which were immediately right after each other to and from the exact same account, one for  {$500.00} and the other for {$700.00} are being held for no reason. Ive ovfered to submit my id for verification, cancel the transactions and everything but they are refusing to give me my money and on top of that the customer service is completely rude and laughs at my distress. Nobody can tell me why I got one but not the other 2 and this is a lot of money. I see now they are being sued by several people for shutting down accounts and keeping funds just because.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My Wife and I XXXX XXXX XXXX Purchased a XXXX XXXX XXXX in XX/XX/2013 with my wife being the cosigner. We fell behind on the payments and The Vehicle was repossessed. I haven't had the vehicle in my possession in over 4 years. However, Well Fargo dealer services is still charging me for the full amount of the long,  damaging my credit rating. The vehicle VIN Number is XXXX WELLS FARGO DEALER SERVICES Account Number : 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 monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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 sent a letter out on XX/XX/XXXX. XXXX to XXXX, XXXX and Equifax. However, it has been 30 days and the credit bureaus failed to send my investigation back. This makes no sense.

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Because of this stated law, I called each bureau to get an explanation of what happen to my letters and supporting documents.

I spoke with an agent named XXXX  at XXXX  on XXXX  who refused to give me an explanation as to why I had not received a response but admitted they received my letters along with my identification documents. Instead, she said AS OF NOW they would investigate the disputes which she said would take an additional 30 days. I asked to speak to a supervisor who was not able to come to the phone. 

I spoke with an agent at XXXX on XX/XX/XXXX who gave me verbal confirmation that they completed the investigation and that everything was 100 % accurate by having my name, date of birth and address. THIS IS NOT A VALID RESPONSE.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to and how did they verify this information? 

I provided each bureau with a copy of my driver 's license, social security card, a police report, signed affidavit and a copy of my lease. I have been a victim of fraud and they have yet to provide factual information confirming the creditability of these accounts/debts. They have continued to report the wrong name, wrong address, and wrong telephone numbers without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit Adjusters ; Payday loan went into collections, I have reported this as account not mine due to identity theft. 

{$1300.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX 1. This firm pulled my credit report without notifying me or advising me. I did not give my consent to have my credit report reviewed on XX/XX/XXXX XXXX 2. This firm will not remove item from my credit report after giving my police report number and reaching out to the 3 credit bureaus.

3. This account was open fraudulently.

4. This firm continues to call for payment after I advise to not call me, and after have discuses with previous representative that this account is not mine 5. This firm stated they have reached out to fraud group, but when i call they stated they have not received the paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, INC.
State: AZ
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:
In Early XX/XX/XXXX, I submitted a dispute to all three credit bureau XXXX, Equifax and XX/XX/XXXX. I wrote a physically letter to XX/XX/XXXX and XXXX but made an online dispute with Equifax. After the 30 days or less XXXX and XXXX deleted my dispute. However, when I tried to view my results from Equifax I couldn't view them. I was instructed to call the customer service number. When I called I asked what my results where. She read that I upon further investigation, the results where that the debt is yours. I told her out of the options that were available on the online form, I went on to explained that I added that the information of responsibility isn't correct. That it says " joint " and not individual. The rep didn't seem to understand what I was saying, there seem to be a language comprehension barrier as she definitely wasn't from the United States. I started to get frustrated because she didn't understand that this didn't answer my dispute at all. I requested a supervisor. I retold the supervisor my story, and asked her point blank, if my debt had been deleted or not she not only said yes once but twice. However, on another website about a week later, I found out that this was not true to much of my chagrin. I then called them back and explained everything again, this agent said she would mail me everything to see the results and told me she is going to submit a re-investigation. This was done at XX/XX/XXXX. Today, is XX/XX/XXXX I have yet to receive any paper mail confirmation of my re-investigation or any communication. I have emailed a complaint to them today as well. XXXX  and XXXX felt my information and case were valid enough for a deletion. But, Equifax failed to even clearly identify my issue and didn't even look into my evidence I provided. The need to investigate not only my complaint but my dispute thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : DSNB MACYS Account Number : XXXX Date Opened : XX/XX/2013 Balance : XXXX Reason : Identity theft Please remove it 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 2020-10-12
Company: Experian Information Solutions 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 initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them 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 2018-06-14
Company: AFNI INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice dated XX/XX/2018 from XXXX, XXXX XXXX : Creditor : XXXX Link, Creditor account : XXXX ; XXXX Acct : XXXX ; Balance Due : {$270.00} I have never had a Century Link account. This is a fraudulent attempt to collect money I do not owe on an account I have never had. 

I have requested further information from XXXX including dates of alleged service, alleged service address, etc. I believe they are trying to collect on a name similar to mine and have contacted me in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
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: Account information incorrect

Complaint:
In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder sinceXX/XX/XXXX The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and XXXX XXXX never once called to alert that the account was past due. Instead, XXXX XXXX has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XXXX ) shows a {$64.00} past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XX/XX/XXXX, I was in court to try to settle a debt. We agreed for me to pay {$100.00} per month every XXXX of the month. 

The attorney told me to go online and make a payment, and thats what I did. I was always making my payments on a timely manner. 

In order to make a payment online, you need a CONTROL #. So every time I made payments I typed in my Control #. 

Last month (XX/XX/XXXX ), it tried to make a payment for {$100.00} via online and I was unable to do it because according to the website, it was BLOCKED. So I called the number and I tried to let them know about my control number being blocked. 
They told me they dont know the reason and it must have been a temporary thing. So I made my payment through the phone. 

Today, XX/XX/XXXX, Saturday, I tried to make my payment. And unfortunately my control # is still BLOCKED. I tried to call the number but the their office was closed and I tried to call every bodys extension and left voicemails because I really need to make that payment today. 

You were told to make a payment online and when you do, they try to BLOCK the control number that way you miss your payment and force you to break the agreement you made in court..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written multiple letters to XXXX XXXX XXXX XX/XX/20 in regards to the alleged debt. They are reporting false information on my credit reports. There are reporting bankruptcy when I never had a loan from them and attached you will find a copy of the dismissal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

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 2018-06-14
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
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:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # 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 2018-12-20
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I ADVISED EQUIFAX NUMEROUS ( SINCEXX/XX/2016 ) TIMES ALREADY THAT I AM A VICTIM OF IDENTITY THEFT AND THERE OWN DATA BRIEF SENT THEM POLICE REPORTS, MY ID, ALL THE ACCOUNTS THAT ARE FRAUDULENT ON THE EQUIFAX CREDIT FILE, CIRCLED ALL OF THEM AND THEY HAVE REFUSED TO REMOVE THEM FROM MY REPORT AS THE OTHER CREDIT BUREAUS HAVE, AND MY CREDIT SCORE IS BEING AFFECTED AND COSTING ME EMPLOYMENT, LOANS ECT.I DEMAND THAT THESE ITEMS BE REMOVED AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CFPB official. 
I opened Citibank account package with the advertised bonus of {$400.00} ( Promo ID : XXXX ; attached ). I opened the account on XX/XX/2018 using Citibank personal banker at the XXXX, XXXX XXXX branch and completed the required deposit ( {$15000.00} ) on XX/XX/2018. I maintained the minimum balance of {$15000.00} for more than 60 calendar days ( XX/XX/2018 ) following the date of the deposit. According to T & Cs, I should have received the bonus within 90 days ( XX/XX/2018 ) of meeting the requirements. However, I didn't receive the bonus. I personally visited the XXXX XXXX XXXX branch and the personal banker told me that he can see that all the requirements were met and I should have received the bonus. Two weeks passed and I didn't received the bonus. I went to branch again, and the personal banker again confirmed that I met the requirements and to resolve it he raised a request with back office and asked me to give it 6 working days. After 6 working days, when I didn't receive the bonus, I went to branch again and the personal banker mentioned that he has forwarded all the details to the branch manager who has the power to resolve the matter and post the bonus within 2 days. That visit was on XX/XX/2018 and I still haven't received the bonus yet. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter. 

Your 's sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14
Company: World Acceptance Corporation
State: IL
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 been disputing this account for over a year. I have requested validation of this said debt & have gotten no where with this. I just recently filed a dispute XX/XX/XXXX & it came back XX/XX/XXXX verified again, without providing me with any documents to support to the validation. They also changed my status from charge off to 120 days from XX/XX/XXXX-XX/XX/XXXX. This is effecting me a lot & I don't see how this could be legal. This should be removed from my credit files immediately. The amount reporting is {$470.00} Company information : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: National Default Servicing Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I DISPUTE THE XXXX ACCOUNT XXXX XXXX & AND N.D.S.C. XXXX XXXX, I want verification of these accounts I have DISPUTED my loan documents with XXXX over the past few years there answer to the complaints is file for a loan modification and if approved the outcome will resolve the problems. 

No More i do not want the run around any more XXXX has lied to me and has lied to Hud and the BK trustee in the past and they might be lying to the company they hired to complete the foreclosure on my house. 

I have been told by XXXX that the foreclosure was stopped then i find out it is on again and today XXXX told me it was all being done by National Default Servicing Corporation and it was out of XXXX hands. 

I want to know who is doing what is XXXX or is National Default Servicing Corporation making the decisions about the foreclosure on my account? 

I got a loan for the past due amount and to bring my loan current with XXXX but i still have not received the past due pay off amounts, Also there is a title deed problem the old second is still listed on their they did not remove themselves after they were paid off before they went out of business some time around XX/XX/2010 Because of these things i have asked for a 10 to 15 day delay on the foreclosure sale date. 
XXXX has switched my workers around 2 times over the last few weeks and nobody knows nothing XXXX needs to explain to me about the fake loan document they have and were they came from.including the notarized stamps by my name when i was not even in XXXX XXXX CA when they were dated and stamped by someone,

Company response to consumer: Closed with explanation