BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-08
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is an offshoot of my previous complaint to the CFPB ( Complain Number : XXXX ). Today, XX/XX/21, I received a letter from CITI, dated XX/XX/21, asking for me to " provide '' to CITI " with copies of complete bank statements from the date of payment cleared through the most recent payment statement, '' in order to resolve the case of FRAUD, THEFT perpetrated by CITI against me. I sent all the documents to CITI back in XX/XX/21 via USPS Certified Mail ( USPS Tracking # : XXXX ) ; when CITI told me it needed the same documents it's asking from me now. And CITI, according to USPS records, received these documents on XX/XX/21. CITI just stonewalled, when I sent it the documents the last time. And it's trying to do the same thing again, when it conducted its sham, fraudulent, biased " investigation. '' My bank, XXXX XXXX XXXX ( XXXX ) already conducted and concluded its thorough, unbiased, forensic, intensive investigation into the CITI case and found in my favor that CITI did engage in FRAUD and THEFT. And XXXX told me that since it found in my favor I don't have to pay CITI anything. CITI knows all this since I sent it my Written Error Billing Notice ( WEBN ) along with my Complaint against Citi to XXXX and XXXX XXXX conclusion from its intensive investigation as I mentioned earlier. I sent CITI my WEBN, dated XX/XX/21, via USPS Certified Mail, Tracking # : XXXX. And according to USPS Tracking records, CITI received my WEBN letter on XX/XX/21. I'm sending this complaint because CITI is just delaying, stonewalling, and sending me busy work for its sham, fraudulent, biased, XXXX, XXXX " investigation. '' I need CFPB 's help in stopping CITI 's corrupt, egregious, unlawful activities against me by sending this case to the proper federal authorities who will enforce U.S. laws, if CFPB is powerless to do anything. CITI is filled with a bunch of crooks and liars!

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 2019-02-19
Company: Experian Information Solutions 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:
This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file. 

Thank you.

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 2020-09-02
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: SYNCHRONY FINANCIAL
State: SC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-12-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im filing this complaint against experian XXXX XXXX and XX/XX/XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect outdated information on my credit report and about fraud. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints.

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 2023-01-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Account information incorrect

Complaint:
I need credit report update XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: WA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; ACCTSRECVBLE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; AUTOMTD ACCT  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX ; ( Original Creditor : XXXX XXXX ) XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I received a letter from Wells Fargo in response to my complaint about their unfair practice of payment allocations of credit card 's promotional balances. 
I have two zero-interest promotional balance offers with Wells Fargo. One promotional balance transfer will expire on XX/XX/XXXX. The second zero interest promotional balance transfer will expire on XX/XX/XXXX. When I make payments, a larger percentage portion of the is applied to second promotional balance transfer balance. Making it possible for Wells Fargo to apply interest to the first promotional balance transfer that expires sooner. My payments are allocation unfairly ; 70 % to 90 % of my payment is applied to the second promotional balance and only 30 % to 10 % is applied the promotional balance that will expire sooner. I wrote a letter to Wells Fargo, a credit card billing Manager acknowledge my complaint and concerns but my payments are still being allocated unfairly.

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 2017-08-07
Company: Navient Solutions, LLC.
State: TX
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:
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX/Navient and XXXX XXXX XXXX loans. My Navient loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with Navient that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to Navient, Navient did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance XXXX Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at Navient on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CONTRACT CALLERS INC
State: UT
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:
Contract Caller Inc is reporting an erroneous debt on my credit file. I recently check my credit file and noticed this debt. I never received my phone calls, notices, or letters about this debt. If I would have know of this debt I would have paid it so that it doesn't report to my credit file. I have called and paid it immediately after seeing it on my credit file and it is still reporting a balance. I need this fixed/removed from my credit file ASAP as it is interfering with my finances.

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 2020-12-06
Company: WAKEFIELD & ASSOCIATES, 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: Account information incorrect

Complaint:
I am an XXXX XXXX veteran and a XXXX XXXX sworn to protect the public. Wakefield & Associates is knowingly and willfully reporting a fraudulent collection to my credit report. Why their license to do business has not been revoked after numerous complaints is beyond my comprehension. 

While residing in California I was rear ended in my car in XX/XX/XXXX as I waited at a red light. The other driver was 100 percent at fault. Due to the severity of my injuries and the damage to my vehicle, I hired a personal injury law firm who immediately entered into litigation on my behalf. I was hospitalized, sent to therapy, and saw various specialists and healthcare providers as a result of the accident. ALL medical bills were the responsibility of the other driver 's insurance carrier until a settlement could be reached. 

Wakefield and Associates illegally and fraudulently reported a related medical expense of approximately {$100.00} to credit reporting bureaus, severely lowering my FICO Score which has damaged me financially. I disputed the collection with XXXX on XX/XX/XXXX, the dispute number is available if needed. The dispute results indicate Wakefield and Associates verified the collection as being valid, which is easily proven false! 

Because of Wakefield & Associates ' fraudulent reporting practices and the state of Tennessee 's refusal to revoke their license despite numerous complaints against them and the lives they continue to adversely impact with their fraudulent practices, to date, XXXX refuses to remove the erroneous collection based solely on the word of this fraudulent reporting. 

Hold, in my opinion, this corrupt, unlawful, despicable business accountable. Force them to remove their unlawfully reported collection from everywhere they reported it IMMEDIATELY! Because of this and the multitude of complaints against them, I further request revocation of their license to conduct business and their executives be put in prison for reporting false information resulting in financial hardship for unsuspecting consumers. For each individual who takes time to monitor their credit report, dispute information, and file a complaint against this company, I imagine there are many more who have been adversely impacted, unlawfully, by Wakefield and Associates just as I have been.

Any governing body or oversight institution that allows this to continue is complicit in Wakefield and Associates ' unlawful and unethical practices. Imagine what may have happened if I was seeking employment with this collection on my reports? This matter needs to be taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: AL
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 filed multiple complaints on the Creditor accounts included. None have ended with any resolve. I have filed police reports and sent them to credit bureaus along with supporting documents of ID theft packages and these accounts continue to appear after XXXX rounds of disputes. Equifax refuses to remove the erroneous accounts listed in the reports previously provided to them nor have they updated my report to block the items in question. XXXX XXXX XXXX is reporting a fraudulent account despite several disputes on my behalf for this to be removed. XXXX XXXX has also been informed. This bill has been previously disputed when it was being reported by a different creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep receiving phone calls from United Collection Bureau ( XXXX ). I have repeatedly told them that the number they were calling was a work number and they are not to call it. I contacted them once again today, XX/XX/2020, and explained that I do not owe this debt or any other debt. I said that they need to stop contacting me. When I refused to provide my date of birth and current address, the gentleman refused to do anything. This is some alleged debt that I do not owe. They are constantly calling and sending mail to family 's houses, where I do not live.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Colony Brands, 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX located in XXXX, WI This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
- Credit Score won't appear on web page through XXXX for TransUnion - When I tried to check on TransUnion 's website I was automatically signed up for monthly credit monitoring for {$20.00} a month without my knowledge or permission! This is never made explicit or clear to the consumer when navigating their website and seems completely fraudulent

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 monetary relief
Consumer complaint received 2019-06-06
Company: ERC
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:
On XX/XX/XXXX, I received a notification from my credit monitoring service that a new collection account had been placed on my credit file. Upon investigation, I was able to determine that Enhanced Recovery was attempting to collect a debt from XXXX XXXX XXXX. I never received notice of this account in the mail to provide me with an opportunity to dispute it prior to it appearing on my credit report ( s ) as per FCRA guidelines. I explained to the representative, XXXX, via telephone on XX/XX/XXXX that this same account had been disputed as fraud with XXXX XXXX XXXX last year, and I had no idea why they would now attempt to send it on to a different collection agency for collection. XXXX stated that she would mark the account as fraud and collection efforts would cease by their company pending an investigation into the matter. However, she was unable to provide me with a date for when the information would be removed from my credit. I explained to her that I was in the process of seeking financing which was why I am watching my credit so closely. It is important to note that this is the only negative account on any of my three ( 3 ) credit files at this time. As such, this account is having a severe impact on my credit score. This account remaining on my credit file for any length of time will cause my family a severe undue hardship. As I never received notice of this account prior to its being placed on my credit file ( s ),  along with the fact that it was previously reported to XXXX XXXX XXXX as fraud, I need this account removed from my credit file ( s ) immediately. I can not wait 30-45 days for their investigation to conclude ; the update needs to happen now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief