BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have multiple Fraudulent account on my credit report and Experian is refusing to Accept my Official FTC Identity Theft Report Sayin Quote ''The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : '' " It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' These are the Fraudulent Accounts Account Info Company XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$3200.00} Account Info Company XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$2200.00} Account Info Company XXXX XXXX Bank Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$7900.00} Account Info Company XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$8200.00} Account Info Company XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Balance on XX/XX/XXXX {$2000.00}

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 2020-05-21
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with Simple Bank about a month ago. I transferred money in from another bank ( XXXX XXXX ) and my unemployment benefits dd into the account. for some reason, my account has been 'flagged ' and is 'under investigation '. I am single father and laid off. The money that is in the account is all i have to live on - i can not pay my rent, feed my family, or anything right now. All of my transactions are legitimate. Transfers are from national banks, Arkansas unemployment, the federal government, etc. Not only can i not speak to anyone - i am told that there is no eta until the 'investigation is complete '. 2 weeks of unemployment are being held by them. plus all the money i have in the world. they will not release MY FUNDS back to me or unfreeze the account.. THIS IS INSANE. I am no criminal - I am a XXXX XXXX, single father, with no way to feed my family. PLEASE HELP ME. they have literally put me in a desperate situation. I have done not a thing wrong and they have literally stolen my money. I HAVE NOBODY TO HELP ME - this is wrong and i need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: PR
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:
XXXX XXXX XXXX Account has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I use XXXX to collect rent from tenants on a monthly basis. PNC Bank no longer works with XXXX and I am not able to collect my rent, and income. There was no written notice of cancellation or policy change prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: NEW YORK COMMUNITY BANK
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ohio Savings Bank, a division of New York Community Bank ( NYCB ), is getting out of the loan business because of their own financial problems. They just announced the sale of their mortgage business to XXXX XXXX, and they are laying off 200+ mortgage employees in XXXX . However, long before that, they started calling in loans last year. Even though our HELOC was in good standing, they called in the loan -- forcing us to refinance -- which in turn will cost us closing costs and hours and hours of time. We started refinancing in XX/XX/XXXX. However, for a variety of reasons beyond our control, the refinance did not close by their XX/XX/XXXX deadline. Now they are threatening collection activity, foreclosure, negative reporting to credit bureaus -- all for a problem they created. We are basically waiting for one document -- a XX/XX/XXXX tax transcript from the IRS -- to finish the refinance. I have talked to the tax advocate office, but they say they ca n't speed up the process. We 're probably talking about 6 weeks at most, but NYCB is unwilling to give us that time. Instead they are requesting reams of more documentation so they can provide " mortgage assistance '' that we do n't even want. All we need is time to finish the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
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: Was not notified of investigation status or results

Complaint:
I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX/Equifax/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
BARCLAYS BANK DELAWA is reporting me late XXXX and XX/XX/XXXX and XX/XX/XXXX. I was never late ... I have a great history with them. They were unable to verify my inquiry when I asked for proof. I have asked multiple times. I have proof I paid on time.

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 2023-01-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX AND EQUIFAX IS CONTINING TO REPORT UNVERIFED INFORMANTION ON MY CONUSMER REPORT. XXXX AND EQUIFAX NEVER HAD MY PERMISSION TO PLACE XXXX XXXX XXXX ON MY CONSUMER REPORT. I SENT XXXX A DISPUTE LETTER AND A CEASE AND DESIST LETTER. I HAVE NEVER DID ANY BUSINESS WITH XXXX  AND HAS NEVER SIGNED ANY CONTRACTS. I NEVER GAVE XXXX PERMISSION TO HAVE MY PERSONAL INFORMATION... EVEN WHEN IN DISPUTE, XXXX  NEVER REMOVED THE COLLECTION ..NEVER PROVED THAT THE DEBT WAS OWED TO XXXX. XXXX XXXX HAS NEVER DID BUSINESS WITH XXXX XXXX XXXX. NEVER SIGNED ANY AGREEMENT WITH XXXX BUT YET THEY HAVE VIOLATED MY PRIVACY BY HAVING MY INFORMATION..EQUIFAX AND XXXX HAS ALSO VIOLATED MY CONSUMER RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT. EQUIFAX AND XXXX USED UNAUTHORIZE INFORMATION TO CAUSE XXXX XXXX SUBSTANTIAL HARM AND INCONVENIENCE BY REPORTING FALSE INFORAMTION ON MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
i tried to open hsbc cking acct, gave the wrong phone #, so i when in again. as i would not get that tx, When in to correct the phone # and app denied. I am tried of this bank pullls erroneous info on your cr bur. This is the 2nd time this happen. No other bank XXXX, XXXX, ask questions of erroneous info. I don't know where they get this XXXX from, I want this acct open and XXXX that comes wit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been sending dispute letters for 3 months now and requesting verifiable proof and more than 40 days have passed and nothing from this company. I have been sending dispute letters for 3 months now and requesting verifiable proof regarding 2 accounts under XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX. Experian/XXXX/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. More than 40 days have passed and nothing from this

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 2018-02-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have 3 Citibank credit cards and have been victimized by them over charging customers and would like to be included in the class action suit. I also want to know if I can have those debts removed from my credit in light of the companies latest deception? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
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 onXX/XX/XXXXXX/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  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

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


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -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 2018-07-24
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company is XXXX XXXX. Have disputed debt on credit report and requested validation. Company has continued to report debt on credit reports without providing any communication or responding to requests.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am requesting that XXXX, Trans Union and XXXX room bankruptcy reporting information from my credit profile. I have disputed in the past and all three keep advising they verify the information with XXXX XXXX I have reached out to validate with XXXX XXXX and have confirmed that they are not reporting a bankruptcy in their system. XXXX, Trans Union and XXXX need to reverify their information with XXXX XXXX and remove the incorrect information from my credit profiles. Per FCRA correct and accurate information must be reporting and that is not the case with my credit reports.

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 2020-09-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card company Citicard refuses to provide a satisfactory resolution regarding my ongoing dispute with XXXX XXXX. I had 2 dispute claims with Citicard : XXXX for {$320.00}, XXXX for {$200.00}. These disputes were ongoing since XX/XX/XXXX. Both the incoming and outgoing flights were cancelled by the airline however they refused to refund my payment despite the order from transportation.gov. On XX/XX/XXXX the claim for {$200.00} was decided in the merchants favor as the final decision by Citicard. On XX/XX/XXXX the dispute of {$320.00} was closed and decided in my favor. I am still owed {$200.00} and I am shocked and disappointed with the way Citicard is handling my dispute. I have been a loyal customer for 13 years. Citicards refusal to assist me has caused me to file this formal complaint against Citi. I hope with the help of this complaint, Citi will take the necessary action to properly resolve my issue so that additional actions are not required.

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 2020-09-03
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for chapter XXXX to clear my debt..became current last year..phh accept my plan for 3 mth trial for XXXX mth payment..so i was doin good doin my payments ..On XX/XX/XXXX i had which was suppose to b a minor XXXX truned to major jad to get a big XXXX XXXX  off my L shoulder my dominant hand side..so my recovery took lil longer..i wrote them to tell them my XX/XX/XXXX payment would b late due to that all they would say is im sorry u XXXX pay an i told them when i could pay..so i paid in XXXX for XXXX so once i got bac to work on my feet i was XXXX to pay to current then covid happened n XXXX i was still workin then n XXXX i kept getton letters from XXXX my payment been sent bac ..i sent my XXXX payment an they sent all bac wont except them they wamt the whole amount..even durim Covid time..so in XXXX i was outa work on FMLA for my XXXX an covid i jad a hard time breathing an i got nac now XX/XX/XXXX ..til this day phh mortgage wont tak a payment ..I owe bout XXXX I cant get a loan to pay it off my bac pay so now i just gota hope an pray i get some help to pay my rears off to start over..if the government dont care bout us lil people why should anyone else..all they want is $ $ $ $ we don't have during this time those who was anove us are mow living like us..welcome to lower class income. 
Thanks for listening XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 filed Chapter XXXX Bankruptcy it was reported to all credit bureaus Transunion is reporting on my auto loan account from XXXX XXXX XXXX XXXX as, in payment plan status with Chapter XXXX bankruptcy in the comments section,

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 2020-09-03
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went into XXXX XXXX in XXXX ct. XXXX XXXX XXXX was running a promotion that if you switch your cell provider to them they would pay off remaining balance to your current cellphone provider on all the lines. They sent me the agreed gift card in the mail for switching service to them, but never paid off XXXX outstanding amount. Now it is in collection and being reported as {$300.00} that I owe. They have transferred to XXXX XXXX and to Jefferson Capital systems LLC. They are breaking FACRA and falsely reporting that I owe it and that It is a new debt incurred In XXXX of 2020. I changed carriers and this all took place over 4 years ago. XXXX XXXX XXXX needs to pay XXXX and they need to remove this off of my credit. I only switched to XXXX XXXX XXXX for the promotion that they paid off XXXX and did not due so. I did not go into the mall that day with intentions to switch and then was convinced and lied to and now is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A TREMENDOUS DROP IN MY CREDIT SCORE. I HAVE ABSOLUTELY NO IDEA OF WHO WOULD HAVE GAINED ACCESS TO MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING SO DAMAGED. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2020-09-03
Company: EQUIFAX, INC.
State: IL
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 following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX 5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Back in XXXX I consolidated all my student loan debt with Wells Fargo, which included a pay off, from them to XXXX in the amount of {$30000.00}. 

Recently, I discovered that XXXX never received such payment and for the last several years I have been having to pay both Wells Fargo and XXXX for the total consolidation amount. 

Wells Fargo has been unable to provide me the information i.e when it was cashed or to whom, although they have provided me a check number and date of payment. I have asked on multiple occasions and they keep saying they will keep looking .... and now they are selling my loan to a new servicer. I need proof, of the chain of ownership in this matter. 

Thank you for your help 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