BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE CONTACTED XXXX XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF XXXX XXXX.THIS ACCOUNT ORIGINAL CREDITOR WAS CITIBANK, N.A.THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.

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 2019-06-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I HAVE CONTACTED XXXX XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF $ XXXX.THIS ACCOUNT ORIGINAL CREDITOR WAS CITIBANK, N.A.THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES.  PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.

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 2019-06-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TD Auto Finance issued an auto loan to someone using my identity in XX/XX/XXXX. I disputed the debt and received notification that TDAF found I was not responsible for the debt and it would be removed from my credit report on XX/XX/XXXX. 

Over the past two weeks, I have twice had a repossession agency XXXX XXXX stop at my house to look for the vehicle at TDAF 's behest. This constitutes harassment for a debt acknowledged as not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
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: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with Equifax, XXXX, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr. Cooper Loan Service. My current mortgage was sold to this servicer. They have recently charged thousands of people this past week thousands and thousands of dollars by accident they are claiming. This is incredibly scary for people who live paycheck to paycheck having huge sums of money being deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
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:
I submitted a court decision document that released me of any debt to a creditor that I closed a account on due to fraudulent activity, and charges ... XXXX, XXXX XXXX XXXX ... they closed it in XXXX, then reported it as a charge off in XXXX, I had it removed off credit bureaus only to see a new amount listed again in XXXX XXXX ... they are engaging in erroneous info and fraud

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 2020-11-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Wells Fargo reported to the credit bureau that my account was in forbearance. According to Wells Fargo, they reviewed my account and can confirmed that the COVID-19 short-term payment assistance was initiated online on XX/XX/2020. This is a lie, I clicked a button. Also per Wells Fargo 's letter dated XX/XX/2020, Wells Fargo put me into forbearance " based on an incomplete application for assistance. '' I never wanted to be in forbearance. I never consented or completed an application to be in forbearance. I want it removed from all my credit reports immediately. 

I am going to sue Wells Fargo for violations of the FCRA. Pursuant to the FCRA : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

This has been on my account since XX/XX/2020 and continues to remain on my account. 

An incomplete application, which was in reality a button saying ask for more information, is not consent to forbearance. 

Wells Fargo has already admitted this will impact me. " If you apply for credit while on a forbearance plan, however, the lender will see the account in forbearance comment on your credit report, and the fact that your account is in forbearance may impact your ability to qualify for new credit or refinance. '' This needs to be remedied. The word " forbearance '' needs to be removed from 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 2020-12-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses. This will now be my third attempt to resolve my concerns ...

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2020-11-18
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Three years ago on XX/XX/XXXX my son was taken to XXXX XXXX XXXX XXXX ( cuaf # XXXX ) due to an injury incurred in a Baseball game. Once in the emergency room, the insurance information was collected, copay was paid, we were instructed that the league insurance was going to cover any outstanding balances as he was covered by the team league insurance. Come to find out on XX/XX/XXXX, this balance was never covered and on my credit report. I had not received any statement or notice on this debt before this reporting on my credit. This recently showed up in XXXX on my credit report. On XX/XX/XXXX, I called to make sure to settle the debt and get it taken off my report, and I would find a way to fix with league from three years ago. I recorded the conversation ( and my financial advisor XXXX XXXX with XXXX XXXX where he stated, " It will be taken off the credit report once the debt has been settled and paid in full. '' He also stated that a letter would be mailed to me stating that the debt was paid in full and the credit companies were notified to remove this debt from my credit report. He made it clear that he could not email me such notification or letter on behalf of the agency. I was told this could take 2-6 weeks before I would see it removed. I had been checking on my credit reports and no change had been made. I called approximately on XX/XX/XXXX ( XXXX weeks XXXX, XX/XX/XXXX ( 4 weeks ) and XX/XX/XXXX ( 7 weeks ) as there was no follow thru. Each call was redundant information and never received the letter where it was even paid in full. In speaking to XXXX on XX/XX/XXXX, I come to find out that no such letter had been sent at all and for 20 minutes they had me on hold with various excuses until finally they were able to email me a letter ( when initially they said they could not generate an email ). I had to constantly be calling back as they said it would take 10 minutes, then an hour, then 30 minutes each time I called until I finally received the email stating only that the account had been paid in full and nothing with regard to removing it from my credit report which was agreed on from the start. He also stated in this call that he was going to contact the credit agencies and it would take 10 days for it to be removed. Again, this was supposed to have been done from the beginning on XX/XX/XXXX. Here we are XX/XX/XXXX and still the debt is on my credit report 8 weeks later. We spoke to XXXX XXXX again today ( XX/XX/XXXX ), he asked again for another week to take care of the issue ( every call I have had with this agency it was always another week, another week, more run around ), I asked to speak to his supervisor and he stated, " His boss does not take calls and does not have an email we could reach out to. '' He also stated that I had three years to take care of this debt, which is not true. I was unaware this even existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: OPORTUN FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have contacted customer service repeatedly over a series of a few months pertaining to a temporary hardship when husband was laid off which affected my income. 
I continued to receive emails, texts, letters, stating that they would reduce my payments substantially to help out. Each time I contacted customer service they would not honor anything that was stated in writing. My account was charged off recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened this account with Chime because of their advertised 1 % interest rate for savings. Once opened, I began to transfer my savings to my new Chime account - an amount of {$33000.00} in total. On XX/XX/XXXX I received an email that they required information related to my deposits. I provided this information. I later received an email on XX/XX/XXXX that vaguely requested documents. I queried this email and asked for a list of documents that they needed to resolve the matter. They did not respond and my account was suspended on XX/XX/XXXX. 

I called on XX/XX/XXXX to follow up with them, since I had not heard back. On this call, they told me what documents they needed. These were sent on XX/XX/XXXX and they told me that I would have a response within 24-48 hours. I have not had a response since. 

I have made contact multiple times by email and phone. Every time I'm told that my case has been escalated and someone will get back to me in 24-48 hours, but this does not happen. I have provided all of the identification and documentation that they have requested in order to verify the account, but still I receive no reply. 

This company is now acting in bad faith and unnecessarily restricting access to my account and my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Reported my debit card ( XXXX XXXX ) lost at XXXX XXXX Friday XXXX XXXX. Today on XX/XX/XXXX my card is still active, and can be used online. Bank failed to deactivate it like it was supposed to. On XX/XX/XXXX. 

Didn't actually lose it, was more of juggling bills and not allowing a large bill to go through as I just got a loan from my boss to help me pay up my car payment which I now can't pay, cause those funds went to my extremely large phone bill ( XXXX XXXX ) which I was process of talking to my phone company about lowering the bill when, when my boss 's loan to me elsewhere. 

Might not be the right way to juggle bills, but everyone else 's opinion on the matter irrelevant because they did not deactivate a card that was reported lost, still on 3 days later. Insulate disgusting it's either company the problem I was having, XXXX XXXX is the most outrageously expensive phone company I've ever seen in my life. If you use a lot of data, don't you ever go to that company. {$400.00} for what XXXX charges {$60.00} for. Which is hilarious because that's the network XXXX XXXX  uses most of the time in XXXX Arizona so I noticed.

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 2019-06-09
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:
A late payment shows on my credit report with XXXX XXXX. The error was XXXX   fault and I have a letter from them stating the same. Upon showing this letter to the credit reporting agencies, nothing has been corrected. The correction has held me back from refinancing as well as other damages. 
Another item was also the error of the creditor The statement was mailed to the wrong address. This also caused a late payment which is not accurate.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 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 2019-06-10
Company: ALLY FINANCIAL INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
To Whom It May Concern, I am writing **again** about Ally Financials illegal business practices, as they contacted me again about a debt that they claim XXXX XXXX XXXX owes them. I originally opened a complaint on XX/XX/XXXX. You can find details from the original complaint by using the following CFPB File # XXXX. There you will see that I reported that the company contacted me and illegally disclosed Mr. XXXX 's debt and demanded not to be contacted by the company again. Ms. XXXX XXXX responded that she did not believe the company disclosed a debt but did state " we have taken the steps required to place a Do Not Call on the phone number ending in XXXX. No additional calls should be made to this number. '' Nevertheless, I received an additional call on XX/XX/XXXX, again requesting that I contact them about Mr. XXXX. 

I have kept the message sent to me through a fake phone number, XXXX, and contacted them today about **AGAIN** violating the FDCPA. The caller 's name was XXXX XXXX, or something like that, and her extension is XXXX. XXXX requested that I call her back at XXXX. I recorded the conversation just as their recorded message says the company does when someone calls back. The recorded message also VERY CLEARLY discloses the fact that they are trying to reach Mr. XXXX about a debt, as the message say they are recording the conversation for that purpose. In the recorded conversation, I notified another speaker who took the call for XXXX that they violated the FDCPA by contacting me AGAIN after I demanded no more calls and Ms. XXXX stated very clearly in the original correspondence that I would not receive any further. 

This is too much. The FDCPA has been violated and the company must be held accountable for their predatory practices. I do not owe them a debt and have requested that they stop contacting me, which they have not done. Instead, I have been harassed again about something that has nothing to do with me, and the constant harassment is deleterious to my health and well-being. This is **unacceptable. **

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 2017-12-20
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: Old information reappears or never goes away

Complaint:
I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.

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 2019-06-10
Company: FMA Alliance, Ltd.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am reporting a violation on the F.T.C. Fair debt collection Act.FMA Alliance ltd, file # XXXX is billing me for a account balance of {$760.00} that ; s already paid to XXXX XXXX XXXX account number XXXX, also paid to XXXX XXXX/XXXX account ending in XXXX three in a federal code B with the Internal Revenue Service since XXXX XXXX XXXX is reporting to all 4 credit bureau 's XXXX balances.fma alliance , ltdXXXX XXXX XXXX is billing me to get money that's not owed, no legal debt.this company got their 1099-c by certified mail.XXXX.

Company response to consumer: Closed with explanation