BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian open on XXXX the account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1300.00} I provided the information over the phone do dispute this collection since the online dispute did not allow me to input the info myself. The investigation was completed in one day. I received and answer to the dispute on XXXX XXXX. I called Experian on XX/XX/XXXX and asked them about their investigation. They said they requested verification that this was my debt and that the collection company said this was my debt. I asked them do they not investigate or do they take the word of the collection agency. They said they are suppose to get verification from the collection agency but it was not in my file so they didn't receive anything. They said they would file a better dispute than the original one. This information is being taken over the phone by a person who does not speak very good english and does not understand me well. I did not want to be rude and ask for another person but i think this is a hinderance to the process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
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: Information belongs to someone else

Complaint:
The bankruptcy and accounts aren't mine.

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 2020-11-06
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The bankruptcy and accounts aren't mine.

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 2018-06-12
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made attempts to have this issue resolved with XXXX XXXX regarding a collection account listed on my credit file. I sent a letter to the company dated XX/XX/18 regarding this fraudulent account and my ID theft report showing that I am a victim of identity theft. The account is not my account and I have never had any business with XXXX XXXX ; which is indicated as the original creditor on my credit file. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated and I would like a resolution regarding this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Prior to mortgage being paid off in XXXX, for the months of XXXX, XXXX, and XXXX of 2020 the mortgage company listed on my credit report that those payments were late when my mortgage was actually in a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, 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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with XXXX and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted XXXX directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with XXXX due to this issue and consolidated my loans w/ another Student Loan company. My XXXX balance has been paid but the late reporting is still showing on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a tenant who paid rent via cashapp. He used cashapp in XX/XX/XXXXand cash app took the money. He again paid rent via cashapp in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX He has proof he paid, the problem is the money never was sent to me the landlord. He called a number for cashapp on line and the representative was most helpful in hacking into my bank accounts. When i contacted customer service at cash app, they only respond via email. I was told via email that my account was compromised, I needed to open a new account and the money would be transferred. That never happened. In fact cashapp wanted my bank account information and all corresponding passwords. I refused to share this information and was told the sender would receive a refund. That has not happened. 

I email cashapp weekly asking for assistance and my money and I don't get a response. 
I am talking about over {$4500.00} in missing cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CBNA/CITI Best Buy credit card account Citibank , N.A . Office of the President XXXX. XXXX  XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX - XXXX XXXX, SD ( XXXX ) XXXX I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00} 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 and 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 ). 

The only current CBNA account card I have that's in good standings ending in XXXX, I never authorized a second account do not own any other CBNA account and the account being reported in collections as of XX/XX/2020 on my credit report is not mine and when I called they were unaware of where this account came from. Please investigate this matter and correct the reporting error and remove this account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Pressler & Pressler, LLP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I live in XXXX, Illinois and my sister XXXX who lives in XXXX, New Jersey received a certified letter ( on XX/XX/19 ) from XXXX XXXX XXXX stating that the law office of Pressler, Felt and Warshaw, LLP submitted a lawsuit to collect on a a credit card debt that was settled nearly 3 years ago, now. My sister scanned the info and sent the digital copy over to me to confirm all of the incorrect information in the lawsuit and the fact that it was sent to an address that I have never resided at, and where the debt was never originally carried. I made several attempts today ( XX/XX/19 ) to contact the law office to straighten this out and finally got through to the individual named in the lawsuit, and the individual that I spoke to, XXXX XXXX, told me that I must appear in court or pay the disputed amount. She even said, " don't XXXX call back here unless you are looking to settle your debt, you XXXX piece of XXXX! ". I know, words that you would not expect to hear from a professional law office. I then went to search their reputation on the web to see if I could find out more on them and this law office used to exist under a previous name and apparently has been sued for fraudulent debt collection practices. That is when I decided to file a complaint here. 

To reiterate, this debt was settled and created in XXXX where I reside. The lawsuit summons was sent to the address of my sister in XXXX, NJ. They are attempting to sue me in a place that I do not reside as a tactic to win a judgement against me for a debt satisfied in order to do further harm to me, my credit, and financial status. 

I do not have account numbers since the debt was cleared some time ago. Attached you will see their reference to that in the summons received by my sister. In addition I will attach my current driver 's license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Experian Information Solutions Inc.
State: SC
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:
Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XX/XX/2021. Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past 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 2019-09-17
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit 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:
1 : On XXXX XX/XX/XXXX I signed a contract with XXXX XXXX through The Home Depot to replace my Air Conditioner for {$4700.00} with 2 years no interest. 
But on XX/XX/XXXX the home depot consumer credit card charged me all at once instead of spreading on 24 months. [ Refer to A-4 ] Then my bank account bounced costing me :  Several hundreds of dollars in NSF charges, cashiers check and lost wedge from work. [ Table part 2, attachment B ] Then I filed complaint to XXXX on XX/XX/XXXX ; The Home Depot must refund me the money I lost and take responsibility for any future financial charges associated with this case. 
And case closed without any agreement on XX/XX/XXXX. [ Downloaded complaint ] The Home Depot refer the problem to Citibank and the Citibank answered the auto pay system caused it. So, they blame me ( their victim instead ) not to have fixed the problem. Despite my contact with their customer services at least twice to address my concern and sought help. 
As I investigated later ; I found out the same thing happened in XXXX promotional purchase of a refrigerator for {$1300.00}. 
I was continuously charged deferred interest for more than 3 months after full payment. [ C-1 to 6 ] 2 : The agreement with XXXX XXXX through The Home Depot and the letter from The Citibank specifies no interest if paid within 24 months. 
But why should I have to pay, the so called deferred interest? [ Table, B1, C1 ] I found this a lie and deception. 
Why didnt The Home Depot Credit Card personnel mention earlier or help me, as I contacted them at least twice to express my concerns ; after I saw the posted balance notice [ A-1 ; onXX/XX/XXXX & XX/XX/XXXX ; A-4 to 6 ]. 
What they later said the autopayment has caused that, and blaming me? 
3 : My checking account bounced costing me money, time and daily life routine disruption.

4 : The Home Depot and Its consumer credit card handler The Citibank of South Dakota. 
5 : Customer Service PersonneXXXX ; XXXX in XXXX KS store, XXXX XXXX XXXX from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: AmeriHome Mortgage Company, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I filed for a loan modification because of a {$92000.00} loss in revenue I suffered due to a jealous employee. I have made many calls to Amerihome and each of those calls were inconsistent with the previous. This was so alarming that I believed Amerihome was purposely misleading me so as to to take my home. Terrified, I sought the advice of an attorney and was advised to contact HUD and record names, I.D . numbers and dates. Back in XXXX I called in to make a {$5000.00} payment, however, the person I spoke with indicated I couldn't make a payment while in loss mitigation. As well, on XX/XX/XXXX I  spoke with Ms. XXXX # XXXX she told me to send equipment loss documentation as well, she told me because my balance was so high that I probably would not get a modification. On XX/XX/XXXX I spoke with Ms. XXXX # XXXX she confirmed the equipment loss docs had been received. However, when I checked in on XX/XX/XXXX Ms. XXXX # XXXX informed me that my file had been closed on XX/XX/XXXX and they were foreclosing, she also explained that Ms. XXXX should've made me aware of the closing of my file when I spoke with her on XX/XX/XXXX. Ms. XXXX advised that if I met certain criteria, I could have entered into a payment plan that would have allowed me to get back on track without having to go through a modification. In sum, I am very fearful of losing my dream home ... I've provided every document that has been asked of me. Noteworthy, there were serious omissions on part of Amerihome that would've changed the outcome. I had been back and forth with Amerihome for 9 months and was asked to submit the same paperwork over and over. When asked to speak to a supervisor, I was placed on hold for over 45 minutes each time. Amerihome is consistently inconsistent and their unethical and predatory practices are so apparent in all the complaints I have read. I never, ever received a response to my loss mitigation application that I have submitted three times over! It shouldn't take over 9 months to review an application and make a determination. They now tell me that I am in foreclosure after never even trying to offer me a solution or give me any results of my application. This is unfair! I have all of my submitted documents and proof of all of the faxes being submitted. I am extremely stressed and worried about losing our dream home and becoming homeless with my wife and son. I have contacted HUD, XXXX and a lawyer and I do not want to claim bankruptcy over such a nominal amount of money. I XXXX XXXX XXXX and have the means to pay my mortgage now that things are back on track but Amerihome seems to want to take my home and haven't given me the proper service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is no longer assigned to this account. I have attempted numerous times to reach out to them to have information updated and their company removed from my tradeline. The current company assigned to this account is XXXX XXXX  XXXX XXXX. Attached is the documentation for verification as well as account update information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I went to local Wells Fargo ( XXXX, UT ) to open savings account attached to checking acct. After account was opened I deposited a foreign check into that account for the amount of XXXX XXXX. This check was an interim check for a settelment offer from the XXXX Government for XXXX 's XXXX survivors. The branch converted the amount to USD in the amount of {$16000.00}. This amount was posted to account on XXXX, on XXXX I was informed by branch manager that now the check had came back as a stop payment. They informed me that not only an I paying returned check fee of XXXX I now owe XXXX because the conversation had changed, however statement shows XXXX was return payment. I contacted them and customer service could not give any information as to what had happened so I contacted the issuers of the check. XXXX has the undertaking to disburse checks to claimants, they stated that there should be no issue with the payment and the bank in XXXX XXXX XXXX XXXX and perhaps there was a clerical, human or computer error and no stop payment was issued. They ( XXXX  ) stated they would contact Wells Fargo to inform them payment legitimate and to reprocess the payment. I then contacted wells fargo again to inform them that they would be receiving a call from XXXX to verify payment, I was told they would not do anything as they use a third party to deal with international checks and a new check would have to be issued also that they did not remove the fees for this transaction. If wells Fargo neglected to confirm check via wire or contacting bank any issues should fall on them not customer.

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 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
my husband and I have received three letters from bank if America stating " we have made the decision to close your deposit account ending in XXXX ... ''. WE DO NOT HAVE AN ACCOUNT WITH BANK OF AMERICA.Also, that our names will be reported to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am inquiring about XXXX XXXX Acct # XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

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