BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$7400.00} ; XXXX XXXX  Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$7400.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If you feel there area possibility these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I donot take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Before coming across fee my account was well over XXXX. then I started investing into my business '. 

since I don't have a lot of money and that if I spend any thing over what's in my account that my other account can make up the difference. 

the issue with the app if i had access to the app on a secure working phone. 

ideally I'd look at my account and see how much I had on balance and purchase. 

not having a working device verified by capital on or having amazing abilities required to sign in. 


you can't really manage your account, maybe you can but for personal reasons its not that easy. 

so I call capital one a few times and then i was like why not just walk in there, so I was waiting for a refund. 
for the account to be XXXX $ balance cause i only need XXXX $ to avoid the fees for a XXXX $ leger. 

so without the ability to access my account or be notified or to prevent or to protect my credits. 

so I feel that the company policy pretty much creates a risk, or some what of a trap. 
its no excuse if i had complete understanding and the device and app to reflect the services that they provide. 

the service in relation to balance is not updated to the processing expected of a business. 

for instance if I have XXXX refunds with in the past week. the balance isn't immediately reflected. process of delay. 

I was also expecting refunds on these accounts in which can not be collected because of the banks harsh penalties. 

I am a XXXX, XXXX, recently homeless, business person and i need my account like I need the keys to the front door of a house. 

I came to this company with a goal and my Dreams and all the money I have, I have not received any funds from the IRS nor do i have a job. but without my account I can't make vital choices for my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-21
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022

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 2023-02-22
Company: EQUIFAX, INC.
State: MD
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:
Delete these inquires 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
Discover clearly stated that when the account was revoked, the {$600.00} deposit was applied to the balance, resulting on an ending balance of XXXX. I do not owe the amount they continue to reflect on my credit report and it has hindered my ability to get new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
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 non-monetary relief
Consumer complaint received 2023-04-23
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a credit card from XXXX XXXX XXXX that I did not apply for. Later received a replacement card that I did not request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All credit bureaus aren't resolving the issues stated in contracted letters sent via to all XXXX bureaus. Multiple unauthorized accounts keep piling up in credit reports. Decreasing Fico score as well as my credit profile. Identity theft problems have with my identity since the freeze of account. XXXX XXXX XXXX XXXX XXXX If it's not directly to XXXX  anything else authorized is 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 2023-04-21
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:
I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-08-02
Company: Local Management, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Due to being a XXXX XXXX with a child who has had numerous sicknesses and XXXX causing me to miss work, I have been struggling. I try to pay every time I have extra money to keep it current but they ( Local Finance ) harass me with repetitive phone calls that disrupt my work day. They have called family members, even family out of state, repeatedly. I have received over 25 calls in the last 7 days. They also come to my home in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX system attacked my credit with no warning in early XXXX. They never sent debt verification and when I disputed then they flagged my account for more money. These flags damaged my credit so bad I am still trying to recover. Due to this company not having debt validation they were removed from my credit reports. They then waited and in XXXX they sent my information to another company XXXX XXXXXXXX XXXX which practices the same abusive tactics, no information two 5 year old accounts with no debt validation. I am trying to secure my sensitive information because of this company so This is a California consumer privacy Act request, opt out ( do not sell my personal information ), Right to Know, Right to delete. IC system will have 30 days to comply with no extra days allowed.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been a victim of XXXX of the worst wire transfer frauds involving Wells Fargo and allowing fraud accounts to be set up in XXXX California XXXX banks where my money went and ultimately sent to XXXX Criminal Call Center location scams I believe. Over XXXX of them were just busted. The story is unbelievable and multi-layered with imposters from XXXX and higher authority Wells Fargo impersonators. Wells Fargo did nothing to protect me as this took place over XXXX weeks when I was being sent to my banks to do things to supposedly protect myself, yet no one at XXXX different Wells Fargo locations questioned me. Over XXXX figures are gone and FBI and local detectives are also on the case, as it's part of a ring I was told. I am on a mission to bring this to light so that banks have to take responsibility and change the way they do things when someone comes in to wire or money is wired. This is a worldwide epidemic. There are recent articles about the XXXX call centers and on XXXX being involved in other types of Frauds as well. XX/XX/XXXX started with fraudster until XX/XX/XXXX when in all imploded. Wells Fargo was informed once I found out about the scam and that he was not with Wells Fargo on XX/XX/XXXX and claims were filed and XXXX after a few contacts with me did nothing and closed the case. I have all the wire transfer documents and letter from XXXX closing my case which I can send over. I attached the most recent letter they sent by wire paperwork has confidential info I can cross out and attach.

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 2023-07-26
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Payments for mortgage / loan are based on the average of the XXXX XXXX offered rates for six month US dollar. 
I am requesting reference and information how this loan is calculated from XX/XX/XXXX to XX/XX/XXXX I am requesting information how this loan is calculated from XXXX XXXX XXXX to XX/XX/XXXX. 
XXXX rates XX/XX/XXXX are 5.43000 % And on XXXX is 5.85951 %. 
Why I am charged 8.750 % now for next 6 months And for last six months 7.750 % Where Mr Cooper is obtaining information about rate for XXXX Please provide all explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with comenity Bank due to my XXXX XXXX XXXX  being sent to collections in the amount of XXXX. The debt was transferred to a debt collector by the name of XXXX XXXX 

On XX/XX/XXXX, I made a settlement payment in the amount of {$1300.00}. Was told that this will reflect on my credit report and they will notify comenity as well. 

I checked and noticed this was not updated as said. I disputed said account with XXXX. However, comenity did not reflect the status to show that the debt was settled. However, reflects that the amount is charged off at XXXX and written off. 

XXXX refuses to redispute. I'm simply asking for my account to reflect accuracy of payment. 

If they continue to report as if I never made a payment or tried to resolve, why would I have even bother to do so? Is extremely frustrating so I'm asking for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
In XX/XX/XXXX, we initially wanted to take out a mortgage between $ XXXX. We communicated this to XXXX XXXX, the mortgage lender, who advised us to apply for the largest amount of money that we would possibly need and then provide citibank with a finalized loan amount XXXX week prior to closing. When the time came to provide this new amount, XXXX alerted us that the terms that we had locked in would not apply if we dipped below the jumbo loan minimum ( {>= $1,000,000} ). This was the first time we had learned of this citibank policy. To save our rate, we requested to borrow only {>= $1,000,000} on XX/XX/XXXX. On XX/XX/XXXX, we received an email from XXXX XXXX, another mortgage broke, on behalf of XXXX XXXX to let us know that changing the loan amount would trigger a 10 day freeze on the account which would put us past our initial closing date of XX/XX/XXXX. Given this information, we were forced to take out a loan for {>= $1,000,000} which is about {$800000.00} more than we need. 

The problems continued from there including but not limited to XXXX repeatedly asking for information that we had provided previously, delays in receiving the required paperwork to close as scheduled which resulted in two last minute cancelled closings, multiple days taken off work for me and my husband or the above mentioned closings that did not take place. With the lack of an approved mortgage and the jeopardy of losing our house, we started mobilizing cash assets at a cost as well.

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 2023-05-12
Company: TransferWise Ltd
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
hello my name is XXXX XXXX XXXX I had an account with Transfer wise bank a few days ago I made an account all the verification has completed but recently for some of my personal work I used a XXXX for the XXXX to change in XXXX suddenly they deactivate my account they need my national id passport and my selfie with documents I submitted all the documents they required but after wise team review my case may take a decision to keep my account closed without any reason so I req yo that please activate my account thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FIFTH THIRD BANK ILLEGALLY FORCE-PLACED HOME OWNERS INSURANCE 2 MONTHS BEFORE THE RENEWAL DATE OF MY OLD SLIDE POLICY, DISREGARDING THE FACTS THAT I TOLD THEM I HAD A XXXX XXXX XXXX XXXX CITIZENS XXXX AND IT WAS BETTER AND LESS MONEY AND THAT I WOULD SUBMIT TO FIFTH THIRD WELL BEFORE THE EXPIRATION OF MY OLD SLIDE POLICY. WHICH I DID PERFECTLY ON XX/XX/2023. AGAIN, MY SLIDE POLICY WAS UP ON XX/XX/2023. I HAVE HAD THIS XXXX. WITH FIFTH THIRD BANK FOR 30 YEARS AND HAVE ALWAYS PAID THEM ON TIME IN SPITE OF TAX AND INS. INCREASES. I SUBMITTED BOTH XXXX AND XX/XX/2023 PAYMENTS WITH THE CORRECT AMOUNT THAT I HAD PAID EACH MONTH ALL YEAR. THEY SENT BOTH PAYMENTS BACK SHORTFALL. FIFTH THIRD TOLD ME I DID NOT HAVE TO XX/XX/XXXX AND THAT I NEEDED TO PAY THE RENEWAL OF SLIDE THEY FORCE-PLACED INS. THAT INCREASED MY XXXX AND XXXX PAYMENT {$1000.00}. MORE A MONTH. THIS IS WRONG, I KEPT THEM UPDATED AS I WAS GOING THRU THE DOCUMENTATION OF THE THE NEW HOME OWNER, CITIZENS AND PROFORMED PERFECTLY AND ON TIME WITH THE NEW POLICY. NEVER DID I AUTHORIZE FIFTH THIRD TO DO WHAT THEY DID AND IN FACT NOTIFIED IN ADDITION TO FIFTH THIRD BANK, SLIDE AND THE INS. AGENCY CONNECT TO ME AND SLIDE MULTIPLE TIMES!..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  : I opened my account on XXXX XX/XX/. I didn't even receive and start using my credit card until XXXX XX/XX/. My usage was suppose to be reported 29 days later to the credit bureaus how ever my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXXXXXX XXXX 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though by the due date I had made a payment for the full balance. 

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 13 DAYS LATER after opening up the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citi bank closed a brand new account without warning. 
Was told I would receive a letter in the mail, along with my frozen deposits. Have yet to receive any form of communication since XX/XX/XXXX with the account was closed with no reasoning / communication. 
As a single mother, it set us back financially, months, and kept my paychecks from being deposited. 
I have called multiple times and emailed now 5+ times.

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