BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
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}, {$10000.00}. 
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. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

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

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -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 2020-02-20
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: Personal information incorrect

Complaint:
Tried to update my address by using Experian online service to upload the IDentification and couldn't do it the system will take me back to the origin of the screen

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 2020-02-20
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2019, I was charged my normal fee for a subscription to XXXX that I had forgotten about. I no longer had a physical Citibank Credit Card so forgot that I had anything charging to it. When I realized that it was charged, I made the payment with the late fee. I also used my cash back rewards to clear the card. I've emailed, chatted online and called into Citibank to request that a {$39.00} late fee be removed. The fee was understood to be waived ; however, wasn't waived. There is now a balance of {$100.00} which are fees charged on top of fees. They won't waive the fee as previously agreed and feel that I'm being taken advantage of by being charged fees on top of fees without any goods or services being offered.

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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX-PRIVATE CRED, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX 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 2019-05-14
Company: Source Receivables Management LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with three different collection agencies as the debt is not mine. I have completed a fraud packet with XXXX as well. I sent that information in to the previous agency. XXXX XXXX XXXX. This debt has reappeared on my credit report again. I again disputed and asked for the validation of this debt several months ago. I have still not received any validation. This is fraudulent and violates my rights under the FDCPA and FCRA. I am asking that this be rectified and removed the erroneous debt from my credit report. I will also be filing a XXXX complaint as well since this company did not do what they were required to do with the previous dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CITIBANK, N.A.
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:
XXXX XXXX there is no balance owed on this 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 non-monetary relief
Consumer complaint received 2018-02-28
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind with out mortgage payments due to an unforeseen illness in XXXX. I reached out to my mortgage servicer FAY Servicing LLC in XX/XX/XXXX to seek help for several months with no luck. The lack of response from our mortgage servicer led to hire attorney thinking they would respond to an attorney because they have had shown no interest in talking to us directly. In XX/XX/XXXX our attorney submitted a loss mitigation application i. After 4 months of back and forth with our mortgage servicer FAY Servicing LLC claimed  they did not receive all documents requested and in XX/XX/XXXX they sent us a letter stating our application expired and we would have to start the process all over again. We resubmitted an application for loss mitigation help and only seven days after they claimed they received our complete package they denied us and said we were not eligible for any programs because of lack of income. Throughout the entire second application attempt we were getting what appears to be foreclosure related documents leading me to believe we were being dual tracked during the mitigation process and they had no intention of making an honest attempt at a workout option. I have had to pay my attorney approx 5k to date in fear of the servicer filing a foreclosure action before a mitigation option was presented. This servicer is despicable and had zero intentions of trying to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Contacted by voicemail only ( dialed directly into the voicemail on my cell phone to leave message ) two times with messages threatening legal action if I did not call their client. These messages were from " XXXX with XXXX XXXX XXXX '' and directed me to contact her " client '' at XXXX " regarding case # XXXX. When I called the number a very gruff man answered and identified the business as XXXX and XXXX. After I gave him the case number he transferred me to the " litigation department ''. A woman answered and said this is concerning " a Walmart credit card that you didn't pay ''. She said with fees the balance is " about {$2500.00} '' but that I could settle with a {$1000.00} payment now. Otherwise I will be sued and they will garnish my paycheck. She then threatened to contact my employer and have 25 % of my pay garnished. This is for a debt that was charged off by the original creditor in XXXX, 2013, no payment arrangement has ever been made on this account and it is well beyond the statutory four year Statute of Limitations. When I refused to pay and hung up, the company called my ex-wife on her cell phone and similarly threatened her, they then called my current wife on her cell phone and similarly threatened her. this behavior is harassing and illegal.

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 2019-05-14
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: Information belongs to someone else

Complaint:
I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently obtained a copy of my credit report on XX/XX/2020 from and the collection agency by the name of Diversified Consultnts reported that I owe {$1400.00}. I have asked on numerous occasions to the collection agency to provide me with something with my bearing signature and I have yet to receive it, the only proof they have provided me is a itemized printout and a billing statement. The itemized printout does not represent verification. Also the name of the statement is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I believe the account was the result of identity theft. I didn't receive written notification about debt so I can dispute debt. 

The 3rd party customer service representative ( XXXX XXXX, Waypoint Resource Group ) would not provide ( flat out refused ) the address the debt was from. He stated I had to give him my address, phone, etc. I asked how am I supposed to know he's not changing the information to match what he insisted I give him. He stated he could not escalate the issue to get it removed from my credit report if I didn't give him my address & phone number. He said to just trust him-I DO NOT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 the following companies made inquires into my credit without my permission. 

Wells Fargo 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 non-monetary relief
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 DISPUTED ACCOUNT AND INQUIRIES BEING DISPUTED WAS NOT AUTHORIZED BY ME. THE ACCOUNT HAS BEEN HARMING MY CREDIT AND IS CONTINUOUSLY REPORTING ON MY REPORT. PLEASE HAVE THIS ACCOUNT AND ALL THOSE UNAUTHORIZED INQUIRIES REMOVE OFF MY CREDIT.

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 2018-08-10
Company: KEYCORP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX XXXXXXXX XXXX ( which no longer exists ) has 4 outstanding loan of mine from the University at XXXX and the consistently refuse to lower the payments, work out any type of income-based repayment schedule or defer the loans in any way shape or form. It's almost criminal they way the operate and the only reason they did not sell off these loans was due to the fact that I had my father co-sign on them many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Conn's, Inc.
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:
In XXXX of 2019 my identity was stolen and used to open three accounts at a Conn 's HomePlus in XXXX XXXX, TX. These accounts were opened on three consecutive business days : XX/XX/2019 in the amount of {$3300.00}, XX/XX/2019 in the amount of {$5100.00}, XX/XX/2019 in the amount of {$10000.00}. 

I became aware of the fraud and reported it to Conn 's on XX/XX/2019 after receiving payment books. That same night I reported the fraud to the major credit reporting bureaus and put a freeze on my credit. I also filed an Identity Theft Report with the FTC and the next day I went to my local police department in an attempt to file a police report. 

Conn 's Fraud Department sent an Identity Theft Victim 's Complaint and Affidavit which I filled out and had notarized before I returned it along with copies of my state ID, Social Security Card and the FTC Report. 

Conn 's Fraud Department acknowledged in an email that my identity had been stolen, but insisted they would not investigate because my local police department did not let me file a police report. I was able to secure an " Event Report '' from the police, but was told by the Conn 's Fraud Investigator that it was not sufficient. 

The three credit bureaus have since concluded their own investigations and all three agree the accounts are fraudulent. All three removed the Conn 's accounts from my credit report. I informed Conn 's of this, but I'm still receiving bills from them in an attempt to collect money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Bread Financial Holdings, Inc.
State: VA
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:
On XX/XX/XXXX, I received an updated copy of my Equifax credit report. I had disputed the XXXX 's Account because the account status was being reported incorrectly. I even mailed a letter to Comenity Bank to advising them of the error. When I looked at the results the XXXX stated the original creditor had verified the status was being reported correctly. I question the validity of that because I have letter dated XX/XX/XXXX that refutes that. The date on my credit report is dated XX/XX/XXXX. How did XXXX  verify something that Comenity had already agreed to correct after the XX/XX/XXXX letter. 

I called Comenity Bank on XX/XX/XXXX and I was told by some person named XXXX that the status should be reported as a charge off, I told him he was wrong because the account had been included in bankruptcy in XXXX which was well after the charge off in XXXX. 

XXXX was wrong and he needs to be retrained. I called back and was transferred to another representative who did know what she was talking about either. 

I feel like I am being jerked around and rights are being violated by Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
my loan was recently sold to freedom mortagage company in virginia and I was told by my previous lender my payment would not change. Online it showed to pay XXXX, my paper bill shows XXXX. When I call they say it is XXXX. The company says I owe three different amounts and claim my escrow is behind which was never a problem with my original lender. I have only been with this company two months and they have managed to XXXX up my entire mortage. When i reported it I suddenly lost access to my online account and they stopped returning my calls. The paper statements dont even match what their system shows. I feel this company just buys loans to try and foreclose their homes and charge unnecessary fees.

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 2021-08-19
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 during a phone conversation with FHA representative the Real Estate Settlement Procedures Act was brought to my attention. Specifically, that all borrowers are entitled to an itemized statements of actual settlement costs. The one I received is for lack of a better word a joke. ( See Attachment # 1 ). I contacted escrow/title officer XXXX XXXX at XXXX XXXX XXXX via email and requested she give me an itemized settlement showing who was paid and how much and was was paid from cash to close and what was to be paid from the loan amount. She directed me to contact the servicer.

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 2021-03-08
Company: Experian Information Solutions Inc.
State: AR
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:
Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA

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 2021-08-19
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hello, During the process of trading in the vehicle and paying it off. It appears a late payment notification was added to our Credit report. The account has never been late and is paid off in full. 
May you please update the 30 days past due in may Thank you very much!

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
Consumer complaint received 2020-09-22
Company: CULLEN/FROST BANKERS, INC.
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 contacted this company several times, by phone calls, and the last attempt was a certified letter and police report where it shows this was identity theft, I have not heard from them, Don't know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY I have reported in the three credit  companies XXXX, Transunion and XXXX an account for {$500.00} XXXX XXXX XXXX XXXX XXXX. That account I do not recognize

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