BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
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: Their investigation did not fix an error on your report

Complaint:
I disputed the XXXX account # XXXX and XXXX account # XXXX with Equifax XXXX XXXX on XX/XX/2021. Both XXXX and Equifax responded that these accounts were verified as accurate by XXXX. I then mailed letters to XXXX on XXXX XXXXdisputing these accounts and ALL Letters were returned to me via USPS because the address this creditor provided on my credit report is vacant with no forwarding address. I have attached copies of the envelopes. According to the FCRA, I must be able to contact any creditor who reports informatoni on my credit report. Since I am not able to contact XXXX using the contact information that's on my credit report ; these accounts should be removed for FCRA violation. I have attached copies of the dispute letters sent as well as the envelopes that show that the address on my credit report for this company is invalid/vacant with no mail forwarding options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CITIBANK, N.A.
State: NC
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:
I received an incoming international wire on XX/XX/2022 credited my Citibank Global Executive Banking checking account. The amount credited to my account was supposed to be for {$18000.00}, however {$18000.00} was the actual amount credited. I called Citibank and asked what the {$18.00} fee was for as my account was supposed to be fee-free ( see attachment 1 ). They said it was not Citibank who levied the fee ; that it must have been deducted at the outgoing bank. I called the client who made the payment and they sent back their transmittal advice showing that the full amount of {$18000.00} was indeed debited from their account. 

Unsure of what happened, I called Citibank again on XX/XX/2022. I spoke to a woman named XXXX who informed me that this was actually an {$18.00} XXXX ( XXXX XXXX XXXX XXXX ) commission. She explained that certain banks negotiate this commission between themselves and that it is not a 'fee ' as my account is fee-free. I asked which bank benefited from/received this commission and she replied that it would have been Citibank. I stated that it then acts like and behaves like a fee. She insisted it was not a fee but rather a commission. 

I asked if I had been informed of this Bank to Bank commission and she said that I would not have been made aware of this. I asked if there was a list of XXXX commission banks and she responded that there was not. I asked how I could avoid this fee in the future and she said that there was no way of knowing. I was unhappy that while this account was ostensibly fee-free they had assessed an {$18.00} " fee '' disguised as a Bank to Bank Commission and that it could potentially occur again in the future. She said that I would not be able to make a case to have this commission refunded and confirmed that I may be subject to this type of commission in the future. 

She opened up an investigation for me, ID # XXXX the same day. I received the confirmation of the case in my securing messaging ( see attachment 2 ), but then nothing thereafter. 

This XXXX commission appears to be a way for banks to apply a fee on otherwise fee-free accounts. Worst of all, there is no way to know in advance that this fee exists or under which circumstances it will be assessed.

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 2022-09-06
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I reached out to this company today, XX/XX/2022, to set up a payment arrangement on my account as I am unable to pay it all at once. I was told by the extremely rude collector that they will not accept a payment for anything less than the balance in full. I tried explaining it but the collector was so rude so I just ended up hanging up. I called back a few hours later and asked for the mailing address so I can mail in payments since they are refusing to schedule the payments for me on the dates that I am able to pay. I was told that if I mail in a payment they will just shred it and not apply it to my account. I have no issues paying, however, I am unable to pay it all at once and this company is not working with me whatsoever. I also asked to speak with a manager multiple times but was refused that option as well. I feel extremely bullied by this company and their practices.

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 2019-12-02
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Macy 's Department Store Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted.

Please advise.

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 2022-09-06
Company: EQUIFAX, INC.
State: GA
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:
I am disputing the following items on my Equifax consumer report ( credit report confirmation # XXXX ) under the basis that Equifax did not follow the permissible purpose law under the Fair Credit Reporting Act. 

Accounts : 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 XXXXXXXX XXXX XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX Hard inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX " ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. '' According to this definition Equifax is a consumer reporting agency because you have assembled and furnished my credit information. Seeing as how you are defined as a consumer reporting agency you are subject to following FCRA guidelines which includes permissible purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

If you can not provide me proof of my written instructions giving you permission to furnish each of the following 16 items I mentioned in the beginning of this letter then I request that you delete the accounts and inquiries immediately.

15 U.S. Code 1681n - Civil liability for willful noncompliance says that : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} According to the Civil liability section of the FCRA it says that I am entitled up to {$1000.00} per violation, If you can not prove that your agency had permissible purpose then I would like a settlement of {$16000.00}. ( {$1000.00} per violation for the 16 items i disputed )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2021-05-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed disputes with EQUIFAX about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted FTC and am now sending this information to EQUIFAX. on XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then changed information stating I had made a payment of {$50.00}, which was then put on my report with another credit bureau ( XXXX ) to them and then changed and updated information on my report. 
THIS IS COMPLETELY FALSE! I Have never dealt with this company and This account if fraudulently on My credit report. I am requesting that EQUIFAX remove this information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: WELLS FARGO & COMPANY
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an old debt of XXXX dollars with Wells Fargo XXXX XXXX XXXX # # # # # # # XXXX I called them to resolve this issue & they offered me XXXX payments @ {$560.00} per month to settle the account with a zero balance. I paid as agreed {$3300.00} ... wells fargo then went back on their word & reported incorrect information to the Credit Bureau I had been monitoring my credit report each month & they were reporting as paid as agreed each month. After I paid the said amount of {$3300.00} the went back and reported as CO= charge off not paid with XXXX balance ... I called XXXX on XX/XX/XXXX@XXXX talked to XXXX. explained as it reads above. I was told they would research phone conversations & return my call within 48 hrs. That did not happen. I called them back on XXXX @ XXXX I was told they were still researching info. No call was returned from wells fargo to me during this time frame. I called them back on XX/XX/XXXX @ XXXXXXXX XXXX   asked to speak with a supervisor spoke with XXXX XXXX & was told they were still looking for phone data @ that point I asked to speak to his supervisor spoke with XXXX. was told same thing still researching for phone data, went to next level of supervisor XXXX XXXX on XX/XX/XXXX XXXX was told again they were still trying to find phone data. called her supervisor XXXX XXXX & still getting the deception run around excess as to they are having trouble getting data. 
My complaint is based off of Wells Fargo is the one who offered me the reduced rate ... with a zero balance paid in full. Now they are incorrect reporting on my credit report & are using the excess of phone data no to report to credit reporting services .Wells Fargo deceptive business practice has cost me to miss closing date on home for my family .... Thank you Wells Fargo case # 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 2022-09-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
They ran my credit without my consent and lowered my credit limit without notification. I carry a balance which was less than half the limit, but have never been more than 30 days late on a payment.

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 2022-09-06
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
The account is not being reported correctly on my credit report. The account number, date opened, payment terms, date last reported, date of last activity, date of last payment, and payment history are different across both credit bureaus. I have written the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report or deleted. I have not received a response from the credit bureaus. Isn't it true legislation passed during the pandemic requires Navient to remove all late payments from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I requested a cashier 's check for {$2000.00} to be delivered to my work at XXXX XXXX XXXX, XXXX, CA XXXX, I never received the package and later found out it was shipped to XXXX XXXX XXXX, XXXX, CA XXXX. 
Capital One bank said they wanted me to fill out an affidavit to attest that I didn't have the check and to have it notarized. I told them that the check never made it to me and it was returned on XX/XX/2022 to Capital One and accepted by a " XXXX XXXX '' with a XXXX tracking number of XXXX. I refused to attest for a check that the company received regarding my check. 
I asked for the check to be redistributed to me, but now they are saying that they can't and can not release the funds for 90 days. 
XXXX said they would accept responsibility for delivering to the wrong address, but Capital one did not respond to the case, and XXXX denied the claim and closed the case. 
I asked them to get the check from XXXX XXXX In your company and verify that it is the check and return my money. 
I still have not received any follow up and I still have not seen that {$2000.00} deposited into my checking account. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Account information incorrect

Complaint:
I filed a dispute letter with the 3 major credit bureaus about a collection that was never properly validated or verified. The account contained inaccurate information ; I contacted the original creditor XXXX XXXX XXXX and asked for full disclosure on my account and to disclose a itemized list for the charges they allege I owe them. They failed to provide me with proper documentation within the required time frame that the law requires.I then sent a letter to Equifax informing them that the account has not properly been verified and is not accurate and that they failed to respond in required time. The collection was closed a few weeks later and then re appeared two weeks later. This time it was actually reported twice. XXXX XXXX XXXX was reflecting twice on my consumer report. I filled another letter to Equifax notifying them of their mistake and received a letter stating that the account was validated and verfied. I was then sent a letter from Equifax stating they created an error on their end by making the mistake of duplicating that XXXX XXXX XXXX collection account reflecting that I owed double the amount that was already inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: OPORTUN FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Delete Late payments from Oportun from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states XXXX ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was pre-qualified with the Illinois Hardest Hit program on XX/XX/XXXX, but in order to fully qualify for their program of which they were willing to pay {$35000.00} of my arrears, in addition to ( 4 ) future months of mortgage payments @ {$1000.00} ( TO BRING MY MORTGAGE CURRENT ), due to the lenders fees being in excess of what would qualify me for the program, I requested for the lender to waive or reduce their attorney fees of {$4400.00} as of XX/XX/XXXX, in order for me to qualify, since Illinois Hardest Hit Program does not allow homeowners to pay any fees to offset overages. <P/>In summary, I received a letter from a XXXX XXXX at Wells Fargo on XX/XX/XXXX stating that they were not able to waive or reduce their fees. With no further explanation being given. <P/>I am filing this complaint as this is extremely malicious behavior from the lender Wells Fargo, NA to intentionally not reduce their " inflated '' unrealistic attorney fees, and choose not to receive an immediate payout of {$39000.00} ( {$35000.00} to resolve the arrears, plus an additional ( {$4300.00} for ( 4 ) future monthly mortgage payments ), yet instead making a corrupt choice to choose to leave a homeowner, who has the immediate means to resolve her Mortgage Foreclosure arrears, be denied a logical resolution, and cause a homeowner to run the risk of losing their home. This is totally unacceptable behavior and it is illegal that this lender is allowed to get away with this type of MALICIOUS unlawful practice!!! <P/>There are many homeowners like myself who are working diligently to try and save their homes from foreclosure, and this lender has a normal practice of denying loan modifications, wasting precious time, playing the " I did n't receive those documents '' game, even when a homeowner has had those requested documents notarized by a legal entity, causing further hardships to occur for homeowners. It is very apparent that this lender is not willing to assist homeowners, and in my case they have laid it out in black and white, that they would be willing to try and foreclosure on my home, choosing to not waive {$4400.00}, than to accept {$39000.00} to resolve all of my Arrears and bring them to {$0.00} on the property. Who does that??? <P/>Thank you for pausing your day to allow me to file this COMPLAINT, and I will continue to seek justice against this unjust corrupt corporation, and I will also help as many individuals as I can to fight against this corrupt lender Wells Fargo, NA.

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