BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-05-27
Company: CITIBANK, N.A.
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:
In XXXX of XXXX, my identity was stolen and several fraudulent accounts were opened in my name. One of the fraudulent accounts was with SHELL/CBNA. While I have managed to get all of the other fraudulent accounts removed from my credit report, the SHELL/CBNA account remains. I have contacted them several times. Most recently I sent them a second dispute letter on XX/XX/XXXX. I have still heard nothing from them and the fraudulent account still appears on my credit report. 
The fraudulent account with SHELL/CBNA was opened XX/XX/XXXX. It is now listed as " closed, '' with no outstanding balance. I wish to submit a complaint about this and still hope to get this issue resolved.

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 2021-05-27
Company: MoneyLion 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:
Hello, I have been a victim of identity theft for 4 years now and someone keeps opening accounts in my name. I have never opened a account with this company and the person is using my identity. I have filed several police reports and have submitted them to Reporting credit bureaus. Please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have inquries on my report dating back as of XX/XX/2016 that is not tied to any open account because I did not authorize them I asked them to be removed, the only 2 inquiries that I have authorized are XXXX XXXX XXXX and XXXX, the rest I did not give authorization.

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 2020-05-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I've sent several letters to the CRA '' S concerning incorrect and unverifiable public information. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX or XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the courthouse and they assured me they do not report full social security numbers to third parties or make social security numbers public records. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy you must verify with the actual furnisher of the information. The law is very clear and states from the date of adjudication or date of order of relief. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. You have injured me in so many ways I can not count! See attached letter from the court!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( 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 XXXX  unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A XXXX XXXX  account was listed as " charged off XX/XX/XXXXXXXX  '' and has remained in that status until recently when the status was changed to " charged off XX/XX/XXXXXXXX  ''. The change in " charge off '' date caused my score to drop more than XXXX points. Due to the age of the account and the last payment, the account should be removed from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to express my concern regarding a significant issue I have encountered with the credit reporting system. After reviewing my credit reports from all three major credit reporting agencies, XXXX, XXXX, and XXXX, I have noticed a substantial inconsistency in the findings and information they have reported. 

It has come to my attention that certain accounts and transactions, which are accurately reflected on XXXX credit report, are incorrectly represented on the reports from the other agencies. This inconsistency has raised doubts about the accuracy and reliability of the credit reporting process, as it appears that discrepancies exist among the reports issued by the different agencies. 

As a consumer, I rely on accurate credit reporting to make informed financial decisions and maintain my creditworthiness. The inconsistencies among the reports from the different agencies create confusion and uncertainty about my true credit standing. This situation not only affects my financial stability but also undermines the integrity of the credit reporting system as a whole. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take necessary actions to ensure that all three major credit reporting agencies provide consistent and accurate information in their reports. Consumers should be able to trust that the information presented to them is reliable and reflective of their financial history. 

I believe that addressing this issue is crucial for maintaining transparency and fairness in the credit reporting industry. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and consideration. 

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 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX  is reporting a debt that is fraudulent. i contacted XXXX XXXX XXXX   of which they said they have no record of my information. i want this negative item removed.

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 2018-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2018 I logged onto my capital one 360 money market and checking account and noticed that it said my funds were not available for me to withdraw. I called capital one this same.day and was told to submit a driver 's license photo, verify my identity through a list of questions ( which I did ) and after all that I was told that my account was being investigated because of two XXXX payments that failed to process on my account. I was told that because of this I would no longer be able to have a relationship with capital one bank, but they were still not giving me access to the over {$5700.00} I have in my money market and checking accounts. If capital one is going to close my accounts, why is there an investigation going On? It makes no sense. And then when I asked when my funds would be available for me to transfer the said they had no idea and it could take weeks sometimes months. Banks have guidelines and know exactly how long they are able to withhold money from people. They are being very shady and I need access to my money. Every time I call they give me an attitude and treat me like a an idiot. They are taking advantage of me and still have no answers for me. They put my account under investigation for an outside XXXX payment that didn't go through and are now keeping MY money from me indefinitely even though I was told my account would be closed. THIS MAKES NO SENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Consumer Finacail Protiection Bureau fined Wells Fargo XXXX XXXX dollars for is illeagal practices as a bank.

Six years Wellsfargo continued to charge me maintenance fees saying if I didnot use my debit card at least six times a month I would be charged a fee. I was some times in the negative each month because I would not use my debit card 6 times a month. Wells Fargo has not paid me the money that is owed to me from the Order Consumer Finacial Protection Bureau ordered them to pay all effected by Wells Fargo Illegal practices I received something in the maill about the controbution last year but Wells Fargo hasnot sent me any money for damages.

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 2021-05-27
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any response from the investigation of the credit bureaus on these false collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One is reporting inaccurate information on my Consumer Credit Report.

By Definition the IRS Clearly says a Cancelled debt or charge off/written off debt is Income. The reporting of this account as a debt is in accurate. 
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain Credit for personal and house purposes. PLEASE delete this inaccurate account within 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, On XX/XX/XXXX i received letters from multiple credit cards companies stating that they are closing my account without any explanation some of the accounts were more then 30 years old. The accounts which were closed are as follow. 
1, Sears ( Citibank ) 2, Costco ( Citibank ) 3, Home Depot ( Citibank ) 4, AT & T ( Citibank ) 5, Best Buy ( Citibank ) On XX/XX/XXXX I wrote back to the companies requesting the reasoning of this decision! 
Even though the credit cards were belonging to different companies the one thing in common is the bank which is ( Citi Bank ) for all the above cards. 

On XX/XX/XXXX I received a reply back from the bank stating " During a recent review of your account, we discovered information suggesting that you pleaded guilty to conspiracy to distribute prescription pain medication to patients without examination or medical need. As a result, the above- referenced account was closed on XX/XX/XXXX. 
We appreciate the opportunity to respond to your inquiry. 
Sincerely, Card Services '' I am XXXX year old XXXX XXXX XXXX XXXX  with NO knowledge of medicines/ prescriptions neither have i been writing or giving out prescribed medicines nor have i ever been convicted or plead guilty of any such crime. I believe banks have got my information mixed up with someone else. 

I seek help from your department to get this issue resolved for me. 

Thank You Best Regards, 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 2021-01-23
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage d/b/a Mr. Cooper alleges to have acquired servicing/ownership rights to an alleged loan that was RESCINDED in writing XX/XX/2006 at XXXX XXXX ( see attached confirmation sheet ) from SETERUS INC.

SETERUS INC WAS finally made to surrender their license by both Federal and State regulators, but not before they passed their heavily flawd and fraudulent servicing platform on to Nationstar Mortgage d/b/a Mr. Cooper. 
XXXX XXXX was notified of the RESCISSION that took place in 2006 and was provided a copy via CERTIFIED mail. NATIONSTAR MORTGAGE d/b/a Mr. Cooper was also notified of the rescission. 
I have had more than {$200000.00} cash dollars extorted from me by XXXX before and the alleged loan was identified as a part of the national mortgage settlement agreement. ( see attached ). 
My home has no unpaid mortgage on it. SETERUS HAD NO ENFORCEABLE CONTRACT TO DEMAND MONEY NOR DOES NATIONSTAR MORTGAGE d/b/a Mr. Cooper. 
NATIONSTAR MORTGAGE d/b/a Mr. Cooper IS WILLFULLY with full knowledge filing fraudulent documents into the XXXX County Ga land records ( See attached ) IN VIOLATION OF GEORGIA 'S The Georgia Residential Mortgage Fraud Act ( O.C.G.A. 16-8-100 et seq. ) Under the Georgia law, a person commits the offense of residential mortgage fraud when, with the intent to defraud, the person : Files or causes to be filed with the official registrar of deeds of any county of Georgia any document the person knows to contain a deliberate misstatement, misrepresentation, or omission ... 
Nationstar Mortgage d/b/a Mr. Cooper is demanding I submit payments to them using a loan/account number that has no legal contract tied to it. Nationstar Mortgage d/b/a Mr. Cooper has assigned a void contract in my county land records to itself on behalf of XXXX XXXX. XXXX XXXX disavowed that fraudulent claim by SETERUS INC and XXXX XXXX confirmed and clarified its previously provided history with the former XXXX transaction in writing, making the assignment of NAtionstar a total fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: MS
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:
Equifax XXXX XXXX and XXXX have not been completely moving old accounts from my credit report and even ones I submitted on there website stating those things werent mine but never got responses and I want them removed immediately and automatically because its a brand new year and I submitted and complained last year to only still have those things on my report something I dont recognize on my report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Filed complaint against capital one/Walmart on XX/XX/XXXX.the complaint id number is XXXX.requested a copy of the authentic signature of original contract and it was not provided.instead they opened a fraud investigation and I did not ask for a fraud investigation.applicable federal and state laws states that if requested documents not available that account has to be deleted off the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: NJ
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 would like to request proof of original debt in addition to the original contract that I signed, including providing billing statements for the last several months and the original contract I signed when opening the credit card account with 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} Medical XXXX Balance : {$500.00} Medical XXXX Balance : {$130.00} 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: FL
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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