BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/XXXX Hello, I am enrolled in the XXXX XXXX XXXX in XXXX, PA. When my financial counselor pulled my credit report on XX/XX/XXXX, we saw that accounts I had paid on and off, were not updated since XXXX, XXXX. 

I have worked very hard to pay down my debt and if I were late that information would be placed on my credit report immediately! This is an unjust double-standard being practiced by Experian credit reporting agency. What penalties do they suffer for not updating my information since XXXX, XXXX? Their lack of action has led to my inability to apply for a first-time buyers program. 

I also contacted the credit card companies who all confirmed that they had reported my information every month to the credit reporting agencies. They also said that Experian is not updating the customers accounts monthly as they should. 

I want Experian and all other credit reporting agencies to update my accounts and, in the future, update every one of my accounts that they are monitoring every month! 

Please see the accounts below that are highlighted in blue. 

Thank you, Consumer Sun, XX/XX/XXXX XXXX XXXX  ****** XXXX XXXXXXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$62.00} CCCCCCCCCCCC ( The last payment of {$19.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX ( XXXX ) XXXX XXXX {$27.00} XXXX ( The last payment of {$88.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX $ XXXX $ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$2300.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$54.00} CCCCCCCCCCCC ***** XXXX  XXXX $ XXXX $ XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$960.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$31.00} CCCCCCCCCCCC ( The last payment of {$130.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$400.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$35.00} CCCCCCCCCCCC ( The last payment of {$60.00} on XX/XX/XXXX, gave the account a XXXX balance. ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$250.00} CCCCCCCCCCCC ( balance not updated ) ***** XXXX XXXX XXXX XXXX XXXX $ XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} XXXX ( XXXX ) CCCCCCCCCCCCC XXXX {$120.00} CCCCCCCCCCCC ( balance not updated ) Thank you, 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 2019-01-22
Company: WELLS FARGO & COMPANY
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:
I opened a Wells Fargo simple business checking account on XX/XX/XXXX with bonus code XXXX. The terms of opening this account were that I : open a new business checking account by XX/XX/XXXX, make a minimum deposit of {$25.00}, deposit {$2000.00} or more into the new account, have a {$2000.00} minimum balance in the account on day 60 and make 5 or more qualifying transactions that posted to the new account by day 60.

I opened the Simple business checking account on XX/XX/XXXX with a {$2000.00} cash deposit. The same day ( XX/XX/XXXX ), I made 5 mobile check deposits for {$5.00}, {$5.00}, {$5.00}, {$5.00} and {$5.00}. I confirmed via Secure Message that the bonus was attached to my account ( WF SM Screenshot 01 & 02 ). 60 days after opening ( XX/XX/XXXX ) my balance was {$2000.00}. 30 days after meeting the bonus terms ( XX/XX/XXXX ), my balance remained the same but no bonus was deposited into my account. I reached out to WF via Secure Message on XX/XX/XXXX and WF states that no such bonus code is attached to the account ( WF SM Screenshot 03 & 04 ). On XX/XX/XXXX I reached out to WF again and they changed the term to 45 days after day 60 ( WF SM Screenshot 04 & 05 ).

I decided to give WF a chance to fulfill their changed terms and waited until 45 days after the terms have been met but there has still been no deposit to the 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 2022-08-10
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX, at XXXX I called in to Equifax to again inform them that they needed to remove the items that I've previously disputed with them & have submitted documented proof that they are continuing to report unverified & un-validated information in direct violation of 15 USC 1681. The representative that I spoke with, XXXX, stated to me that he can not make any changes to my file despite Equifax violating 15 USC 1681 due to Equifax having my consumer report " red-flagged '' with a note that states no one outside of their " office of consumer affairs ''. 

I informed XXXX that the fact that he admitted that Equifax has my file intentionally blocked from removing information that they know to be inaccurate is not only a continued violation of 15 USC 1681, but Equifax is also now committing discrimination against me which is a violation of the The Equal Credit Opportunity Act, 15 USC 1691. He stated that he understood that, however he still refused to perform his job of removing the inaccurate accounts. I am filing this complaint to submit a copy of the audio recording as proof of Equifax continuing to violate my consumer rights as allowed under federal law. I have also attached a copy of my previous CFPB complaint against Equifax which included my previous documentation of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am writing to express my profound dissatisfaction with the recent experience I had at the Bank of America bank branch located at XXXX XXXX XXXX XXXX. On XX/XX/23, I visited the bank to cash my paycheck from my employer, XXXX XXXX XXXX XXXX XXXX To my dismay, I was subjected to a highly disappointing and unprofessional encounter with the bank tellers. 

My paycheck, which was issued by XXXX XXXX, was refused for cashing, and I was informed that the bank would only honor it if I opened an account. This requirement took me by surprise and left me feeling marginalized and racially profiled. I strongly believe that the amount of my paycheck should not dictate how I am treated as a customer. 

This incident not only caused significant inconvenience but also made me a day late in paying my bills, which I find unacceptable. Such practices not only tarnish the bank 's reputation but also result in unnecessary stress and financial difficulties for customers like me. 

I request that you investigate this matter thoroughly and take appropriate action against the tellers involved in this incident. Discriminatory practices have no place in any reputable institution, and it is crucial that steps are taken to prevent such incidents from recurring. 

Furthermore, I would appreciate an official response the bank acknowledging this complaint and outlining the steps they plan to take to ensure a more inclusive and fair approach to serving the community. 

Instead of honoring the check, I have to wait 7 days for my bank to verify the XXXX party check placing me at risk of losing my insurance, and delaying other bills that could put my livelihood at risk.

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 2022-08-10
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: VYSTAR CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX  and theyre bank XXXX  let someone open an account in my name and withdrawal funds from my account and wont do anything to help the situation. I cant get a hold of a live person and they wont respond to my via email anymore. 

XX/XX/2021 XXXX XXXX  Charged me XXXX XX/XX/202XXXX XXXX XXXX Charged me 3 seprate times all for XXXX each adding up to XXXX XX/XX/2021 - XXXX Charged me twice for XXXX each adding up to XXXX that day XX/XX/2021 XXXX XXXX Charged me XXXX and again for XXXX. 

I few months later when i was doing my taxes i noticed the funds missing. My bank did a investagation but was unable to do anything since it had bee so long. I contacted XXXX multiple times and the refuse to do anything even though they have since locked the fraudulent account and know it was fraud.

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 2021-04-30
Company: Mid-Atlantic Finance Co., 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to XXXX regarding a deletion of a trade line per creditor agreement on XX/XX/2021. Per XXXX credit report information is not accurate on credit report. Valid documents have been provided. XXXX XXXX XXXX agreed to delete the trade line per payment agreement. Letter and payment information have been submitted. I need this trade line removed off my credit report as per agreement. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$21000.00}, {$0.00}, {$11000.00}, {$0.00}, {$6900.00}, {$1200.00}, {$4800.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

8. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my 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 2020-11-29
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been a long term customer with Citibank. I currently have a mortgage with them through XXXX which is controlled by Citi. After receiving literature offering refinancing options and I submitted an application. The mortgage refinance process with Citibank began at the end of XX/XX/2020. The fees were paid, paperwork completed including providing all requested documentation, the rate was locked in on XX/XX/XXXX. 

The loan was provisionally approved XX/XX/XXXX, at which point a few additional items were requested and provided back to Citibank within several business days. 
Citibank then requested additional documents on XX/XX/XXXX, provided back to them by their deadline of XX/XX/XXXX. The rate was locked til XX/XX/XXXX ; the packet ( as they indicated ) was sent to underwriting. The closing was scheduled for XX/XX/XXXX Since that time, Citibank continuously requests additional information for example, my pay stub three times ( no change in employment since qualifying for the initial mortgage ). The closing date consistently changes ( at least six times ) a significant amount of my time has been wasted through follow-up and the 6+ months of paying a higher monthly mortgage rate. 

Most recently, an additional request for information and documents already provided was sent on XX/XX/XXXX and submitted again. Citibank sent an approval letter on XX/XX/XXXX. The next closing date was set for XX/XX/XXXX which matched the new rate approval expiration date. On XX/XX/XXXX, a message arrived that the closing would be rescheduled for XX/XX/XXXX at XXXX XXXX. A draft of the closing disclosure was sent on XXXX XXXX which confirmed the closing date of XXXX XXXX with a rate lock extension now to XXXX XXXX. I heard nothing and finally wrote to them on Friday, XXXX XXXX. A few hour later a text message arrived from the title company which indicated a person would drop by my home to sign the paper work. However, 30 minutes before the closing the the agent from the title company telephoned that they did not receive the paper work from Citibank and hence the closing was canceled. 

Citibank has cornered me because theyve collected my fees upfront, now there is a tax on all refinances in XXXX. My monthly mortgage payment is higher than the refinanced rate, and the amount of time spent on this transaction is beyond reasonable. In fact, their unprofessional behavior and consistent inability or desire to resolve these issues should be addressed and remediated. They have every incentive to continue with this behavior without penalty since they financially gain from the delay. I look forward to you looking into this and helping protect consumers against fraudulent behavior that causes financial and emotional stress.

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 2023-09-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 Fifth Third account since XX/XX/2023. I recently received a letter on XX/XX/2023 from Fifth Third stating that per their investigation, they have the understanding that the account was not opened by me and that i wasn't being held accountable for the account. The stated that they were contacting the credit bureaus to delete the information off my credit file. The account was deleted by all 3 credit agencies, however it has been placed back on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: RIA FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX of XX/XX/2021, I made an international transfer of {$200.00} from Ria XXXX XXXX to XXXX XXXX. I received a message that the recipient has the money but the recipient did not receive any money so I called Ria to inform them. They told me they will contact the recipient bank and call me in one to three business days. So I did not hear from them as they promised so I called them again, they told me they have not heard from the recipient bank so I should give them another one to seven business days. Seven business days passed but no action was made so I called them for the third time, they told me to wait for another one to ten business days and it has passed I have not heard from them, my recipient still doesn't have the money, they have not refunded the money either. So I want them to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from PORTFOLIO RECOVERY. I have no knowledge of this account nor have I done any business with this. I do not have a signed and dated agreement from PORTFOLIO RECOVERY. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX  and XXXX  are ALL reporting false owed items. 

Dispute # 1 Company : Wells Fargo account # XXXX opened XX/XX/XXXX. I have no recollection of this account being mine, also it should be dropped off of credit report being it's over 7 years old. 

Dispute # 2 Company : XXXX/XXXX  account # XXXX opened XX/XX/XXXX I was on time on this account not delinquent. 

Dispute # 3 Company : XXXX XXXX  account # XXXX opened XX/XX/XXXX Account reported open and closed the same day. Over 7 years old please delete. 

Dispute # 4 Company : XXXX XXXX XXXX account # XXXX Never been late on this account. 

Dispute 5 Company XXXX XXXX XXXX XXXX XXXX  account # XXXX opened XX/XX/XXXX I was never late. 

Dispute # 6 account # XXXX, Company  : US Department  of  Education  opened XX/XX/XXXX No recollection of this account. 

Dispute # 7 account # XXXX, Company : Department of Education The amount reported is incorrect to what I truly owe, Dispute # 8 account # XXXX Company XXXX No open date to give payment status is incorrect. 

I want all past 7 year items removed ASAP also I have sent them ALL Certified letters..

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 2021-02-10
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 45 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 ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 45 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 data breach and may have got into the wrong hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Can you update my address and name on my credit profile.

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