BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : 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 2022-07-27
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 sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance XXXX {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After submitting two written formal complaints XX/XX/XXXX and again XX/XX/XXXX with Citibank I gave up and decided to make arrangements to get the merchandise I have been paying for since XX/XX/XXXX. However when I went into the store on XX/XX/XXXX and spoke with the store Manager at XXXX XXXX he stated they credited my account back on XX/XX/XXXX and provided me a receipt to evidence. He further stated I was NOT obligated to purchase any furniture from them. So on XX/XX/XXXX I contacted Citibank and provided evidence XXXX XXXX credited back the {$4000.00} ON XX/XX/XXXX and requested they provide me the {$4000.00} credit I had been due for MONTHS. About two weeks later I received a letter stating they did there so called research and I still owed the money. FURTHERMORE they told me they would no longer accept calls or written communication pertaining to this dispute. Then about one week later I got another letter stating to contact them because they needed to collect additional information?? I called and spoke with the representative who re-opened the dispute and claimed it would be investigated properly. Today I received a letter dated XX/XX/XXXX telling me to contact the sales manager at XXXX XXXX about my credit???? At this point the store and Citibank appear to be in cohorts because now they are back to trying to brow beat me into purchasing an item I NEVER authorized from the beginning. I am appalled at the deceit and dishonesty both companies have displayed since the start of this transaction. I never signed the credit authorization giving Citibank the right to charge my account, but they INSISTED an order for furniture can be used in lieu of a I signed credit authorization slip. I told them an order does NOT give you the authority to charge the card, but they are ONLY interested in only BROW beating consumers in order to turn a profit. I did NOT AUTHORIZE the initial charge and provided evidence of the UNSIGNED authorization form. They then claimed it was the stores policy for NO refund, however I have evidence the store credited it back the FULL amount on XX/XX/XXXX and I have been making payments since XX/XX/XXXX for merchandise I do not have and apparently I should have had a XXXX balance since the 1st initial dispute in XX/XX/XXXX I used my debit card with XXXX for part of the transaction and they gave my {$700.00} back in XX/XX/XXXX. Why does CITIBANK think they are entitled to {$4000.00} of my money when I don't have merchandise NOR did I authorize the charge AND they received the money back from 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 2015-09-19
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mid land continues to re age my account the XXXX XXXX debt was {$900.00}. They keep trying to increase the amount and keep changing the account open date. 
XXXX XXXX card was from XX/XX/XXXX and was paid off in XX/XX/XXXX. It was XXXX XXXX issued card under XXXX XXXX. 
Here is how it appears on my credit report : MIDLAND FUNDING LLC {$2100.00} $ XXXX Your Account WithMIDLAND FUNDING LLCCall ( XXXX ) XXXX or Visit Agency XXXX account reported on XXXX XXXX, XXXX account reported on XXXX XXXX, XXXX # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX XXXX DateXXXX XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionRemarksNoteSee something wrong? 

Learn more about how to dispute items on your credit report. 
OpenAccount # XXXX $ XXXX XXXX XXXXOriginal Creditor $ XXXX BalanceXXXX XXXX, XXXX DateXXXX XXXX, XXXX ReportedIndividual Account. 
ResponsibilityCollection accountRemarksNoteSee something wrong?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX Case Fraud number : XXXX Bank of America Fraud Case number : Claim # XXXX and Claim # XXXX I was involved ( the buyer ) in a real estate transaction where XXXX XXXX called my title company and said they wouldn't release the funds to the seller because they were running a deed fraud scam and the name on the account did not match the account number. Today has marked 7 weeks. This was not able to be recorded obviously because it was flagged as fraud. A wire recall was supposedly requested by Bank of America as requested by XXXX XXXX over 6 weeks ago. I cant get any information at all. The title insurance wont pay out because its fraud and XXXX XXXX said theyd return the funds. Bank of America won't answer any questions regarding this case either. Both are pointing the finger and saying the other bank isn't responding. If XXXX XXXX is looking to make sure the case was fraud before returning the funds my title company sent hold harmless over two weeks ago, but also if you need proof that it is fraudulent ( and it's the first thing I noticed that the title company should have caught ) is that the notary stamp on page 6 ( below ) you can look up commission ID 's on Pennsylvania 's department of State website and can see that the name does not match the commission number. If you call the notary with this commission number ( her number is in the department of state directory ) she confirms she did not notarize this transaction. The Driver 's license provided as ID to the closer the DL number does not exist according to the records. I can't get any answers from anyone on this they keep telling me to speak to my bank, but my bank has said XXXX XXXX and Bank of America aren't responding. Thank you for your attention to this matter, 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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was purchase by Bank of America from countrywide. The arm loan Bank of America refused to let me refinance and sold the arm loan to XXXX XXXX. After numerous attempts Bank of America and XXXX XXXX would not allow a refinance loan. My home I had no choice but to sell due to the ballon loan. 
I was rendered XXXX with XXXX  children for 6 weeks in 2021. Now Bank of America after several attempts 6 calls and an in person bank branch meeting refused to give my mortgage tax information to me preventing me from filing 2 years of taxes, Im now facing fines.

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 2015-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Was denied credit because Equifax did not have the correct amount owed, made a complaintfor the to investigate..the results came back the same amount owed even though I paid the bill on a couple of my accounts, they completed there investigation XX/XX/2015. which proved they lied..I called my creditor, on my account it shows the correct long before Equifax claimed to have done a investigation..I have a copy of my account proving they did not do an investigation, they just lied and reported what they wanted to..that is fraud will send a copy of my other account as well, this is fraud, they are not reporting the truth even if you make a complaint ... This is fraud in my book..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1100.00}

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 2022-01-25
Company: OPTUM BANK, INC.
State: CO
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I called them to send me the remaining amount from my prepaid credit card that was paid directly into credit card. They had refused since I dont remember old address. They refused accepting my new address to update. They required old address! XXXX! It took months later then I found my old address from file. I called them. I called them to close acct and mail me the entire amount which was about over {$350.00}. They did update the address and would mail me the check. The confirmation nbr is XXXX XXXX XXXX. I called on XX/XX/XXXX only to learn today on XXXX that they did not close my acct!!! The guy does not even have the info of why the acct was not closed! Nor check was not sent to me. They still have my money! I suspect it is their way to charge lil by lil for it is for THEIR WORK. Dirty! It is a sly work of theirs. I need the check to deposit before I move to Alaska this XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1100.00}

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 2022-08-17
Company: EQUIFAX, INC.
State: NJ
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:
After reviewing my credit report from XX/XX/XXXX, XX/XX/XXXX I noticed that the report has credit inquiries that I did not authorize. I sent XXXX letters to Equifax because I previously disputed these inquiries stating : XXXX XXXX recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or DELETE the following inquires highlighted in yellow : Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

I asked that these inquires be verified and proof be sent to me, they have failed to send me proof on both occasions and I have not received any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After the financial relief of the mortgage that was authorized by the government, I benefited from said aid for 5 months, my mortgate was XXXX per month, which when I started my payments again, it rose to XXXX and they opened a second mortgage for me of which I was not notified. for the sum of XXXX, which is why I have contacted you since I have communicated with XXXX to clarify this situation and to date I have not received any clear answer. 

I attach bank statement documents from 2020 in which I have a single mortgate and I attach 2020 with the second mortgage

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 2022-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am appalled by the ability of the Credit Bureaus to ignore my request of correction on my Credit report despite the multiple letters I have been sending to them. The last letter I sent to the Credit Bureaus was XX/XX/XXXX2022 with complete attachments of my personal information but I see here that the Credit Bureaus have been ignoring my letters. I am submitting this complaint in response to the recent " investigation '' done by the Credit Bureaus. I do not agree with the result they present and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that report these information on my Credit file. I am submitting this complaint to ask that more information from the Credit Bureaus with regards with the the matter I am disputing. I need the following items in question to be COMPLETELY INVESTIGATED AND CORRECTED FROM ERRONEOUS REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: MN
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:
equifax has refused to do a proper investigation into information obtained in my equifax credit file. They are not verifying properly the fraudulent information that they are continuing to report and that is a violation of the FCRA. Every single inquiry listed on my equifax credit report is fraudulent. I didnt do a single one. they claim the information is being verified, however i can assure you it is not. they are just checking their internal records and not properly investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: ALLY FINANCIAL INC.
State: CO
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:
Ally Financial XXXX reported my XX/XX/2020 auto payment 30 days past due on my credit report when my account shows I have always been on time for making payment. I am trying to obtain a lease and a loan to help keep my bills afloat during COVID and to move and this is hindering my ability to do so. I have to be out of my current home in less than 2 weeks and I am unable to get a lease or loan because of this past due reporting. 

Ally reported this in incorrectly and falsely and is refusing to assist me timely. 

The attached account shows I made my 2020 payments timely including 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 2020-01-03
Company: RAS LaVrar, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019, I mailed a certified Cease and Desist Letter to RAS LAVRAR Law Offices in connection with credit card charges identity theft. ( See exhibit 1 attachment below ) However, RAS LAVRAR Law Offices did not honor the letter and mailed a second collections letter out to me on XX/XX/2019. ( See exhibit 2 attachment below ) Therefore, I am demanding {$1000.00} in statutory damages within 10 days for violating Code Section 805 of the Fair Debt Collection Practices Act and Title 15 U.S. Code Section 1692k ( See exhibit 3 attachment below ) Furthermore, this has caused me significance stress and embarrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new Account with Regions Bank and told them to Deposit {$500.00} in the Checking Account and {$50.00} in the Savings Account. They took the {$50.00} for the Savings then a error occurred where they took out 2 {$500.00} amounts from my account. They claimed the first {$500.00} amount was declined but my other financial institution said they were both approved. They then fixed it then within  24 hours of fixing it they did the EXACT SAME ERROR AGAIN. I have been fighting tooth and nail with them for 4 days getting this resolved and the entire time they have " forgotten '' about the first bank error and told me flat out to file a dispute. But I need this {$500.00} to pay bills and this has turned my life upside down and all I wanted to do was open a bank account to make my life easier. In reality the opposite happened.

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