BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
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 {$16000.00}, {$9300.00}, {$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 ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. 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 2020-07-21
Company: CITIBANK, N.A.
State: OR
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:
XXXX/DSNB received payment of {$1200.00} by cashier 's check from my bank ( XXXX XXXX ).

When contacted they denied receiving payment. On subsequent contact on JuneXX/XX/2020 DNSB again denied receiving payment. When informed that I had received a copy of the cashier 's check showing that it hD been deposited on the second of XXXX, the representative told me to fax a copy to them at XXXX ; the representative then said it would take 51 days ( no explaination of the reason or what resolution ). 
The transmission was on XXXX XXXX at XXXX local time. On approximately XX/XX/XXXX I received a letter informing they are unable to process my inquiry. Please contact them at a number on the letter. I did not do that, since this is not an inquiry, it is a statement that they have been financially irresponsible. I am now in receipt of a bill for {$1000.00}, due XX/XX/2020. While I am capable of paying that amount immediately, I believe that they would then have {$2900.00} to clear what was a {$1200.00} amount. 

( As additional information, I had a similar problem with DSNB 's parent bank CITI.  When pressed Citi spent approximately two minutes, and responded the they had a cashier 's check in my name for the amount due. Two weeks later I received a new statement showing that the account ( at Best Buy ) had been paid. )

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 2020-05-04
Company: EQUIFAX, INC.
State: FL
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:
AFFIDAVIT OF TRUTH In response and correspondence too investigation results. These results are unlawful I XXXX, XXXX never entered into a contract with third party creditor therefore there has never been an agreement for debt. Produce an original contact that this creditor has produced to you. I also sent you an affidavit asking for the bonds of these banks, my affidavit ask for Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation, Freedom of Information Request For SEC Registration Status & Securitization Inquiry Freedom of Information Request Regarding General Obligation Bonds-CAFR. according to the federal trade commission  regulation I have not seen these bonds produced therefore all of the debts being claimed must be removed from my credit report, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have not proven to be operating correctly in commerce. This correspondence is being reported to the federal trade commission I look forward to the removal of all third- debt, non-bonded and Obligated creditors thank you. 
I am officially requesting the following : 1 ) You produce the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law 2 ) Provide an Affidavit Certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions 3 ) Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp of convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. 
You are bound by law to provide this information upon a request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX   ACC # XXXX XXXX XXXX ACC  # XXXX XXXX XXXX ACC # XXXX XXXXXXXXACC # XXXX XXXX XXXXACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX   XXXX  ACC # XXXX XXXX XXXX XXXX   ACC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Cornerstone Home Lending Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage is currently managed by Cornerstone Home Lending , Inc. serviced out of XXXX, NJ. I have a had a series of issues with this mortgage company from them not paying my home insurance from my escrow account with an available balance to not providing me with my requested documents. In addition, we are exempt from paying taxes and this documentation was provided in XX/XX/XXXX. In XX/XX/XXXX, we received a letter stating that our new mortgage rate was increased to account for the XX/XX/XXXXtaxes. I had to spend nearly on hour online trying to figure out where to re-send this documentation I have been contacting Cornerstone since the beginning of XX/XX/XXXX. My online account has been turned off. I have never received confirmation as to why my online account is turned off ; however, I believe that it is due to my current bankruptcy. Please note, THIS HOUSE IS NOT INCLUDED IN THE BANKRUPTCY CASE. 

I need a 30 day payoff statement. We have complied with the requirements to send in an official request first. I have called Cornerstone regarding this request seven individual times. Each time I am transferred around and ultimately placed on hold. The hold times have ranged between 45 minutes to an hour and half where I ultimately end up hanging. I have talked with the Director of Regulatory Affairs, XXXX XXXX ; however, I still have not received the 30 day payoff statement. This has now caused an adverse effect on my ability to refinance my home with a new company. The new company is unable to complete my refinance paperwork without a 30 day pay off statement. Since Cornerstone has refused to send my 30-day payoff statement, they are forcing me to remain finance through them. I do not want my home financed with Cornerstone any more. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called back and emailed to request PMI be removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest. previously I told them that I had filed for XXXX and I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI. I was also inquiring about COVID-19 relief and was told someone would call me back and I have not received a call back so disappointing. I am also being charged a late fee during COVID-19 and requested time and relief. This is serious no response when customers need it please help I can only imagine that I am not the only person this is happening to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 this account that is not mine and i wan it to be remove from my credit report. 

1. Identity Theft CAP ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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 {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -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 2023-08-07
Company: WELLS FARGO & COMPANY
State: CA
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/2023 I was at a local bar and was scammed by two patrons there. While my XXXX  was unlocked and I was checking the online banking app, I was intentionally distracted by one patron while the other was able to get my loose, unlocked phone. Phone was out of my possession for over 10 hours and there were two unauthorized XXXX transactions that occurred during that span for an amount up to {$1500.00}. 

I got my phone back from the bar the next day and reported the transactions as soon as I seen them. My online banking with wells fargo was turned off immediately although they denied my fraud claim for the transactions. They refuse to escalate the case and have not been helpful. I have NEVER asked for refunds for anything on the account and I feel like refund was denied just because the online banking app was open. My bank should support me during this hard time in my life were I was frauded. 

Wells fargo needs to take responsibility and understand that these things can happen and give me my money back.

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 2020-07-21
Company: Ditech Financial LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and during XX/XX/XXXX my home in XXXX XXXX FL was destroyed by Hurrican Micheal. My loan with XXXX XXXX was placed into Forbearance starting in XX/XX/XXXX. My home was repaired and livable again in XX/XX/XXXX. At that time loan modification paperwork was done to add the months of forbearance payments to the end of the loan. While the modification paperwork was being completed Dietech Finacial placed my loan in delinquent status showing it 120 days late. I started my payments in XXXX of XXXX during the time while waiting on the loan modification to be completed. I was informed that in XX/XX/XXXX that delinquency was an error and that the error would be corrected and that since it was a state of emergency and a natural disaster that the delinquency was a mistake. I have been unable to reach XXXX XXXX as it filed for Bankruptcy and since that time it has closed down and transferred my loan to XXXX. I have also contacted XXXX  on XXXX XX/XX/XXXX to inquire if they could place an investigation into the negative post on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: MS
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: PA
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 am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts List As Follow : XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: LDF Holdings, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX has repeatedly called my cell phone during working hours after I asked them not to. Then began calling our office phone at work and in one case left a voicemail stating that his name was " XXXX and to call XXXX ( and I have the recorded voicemail ) '' ; that I was past due with my account to XXXX XXXX XXXX and subject to be sent to collections. This message was heard first played and heard by a co-worker, who then played it for my supervisor. I've stated to XXXX XXXX XXXX plenty of times to call me after XXXX XXXX. CST to discuss a possible payment restructure and they have refused. Now they're calling my employer and personal financial information on my employers ' voicemail.

Company response to consumer: Closed with explanation