BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
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 am writing to file a formal complaint with the CFPB concerning several inaccurate items that have been reported on my credit report. I regularly monitor my credit history to ensure its accuracy and upon reviewing my credit report recently, I discovered erroneous information that is negatively affecting my creditworthiness. Please see the attached form with the accounts in question. In an effort to rectify these errors, I have already initiated the dispute process with the credit reporting agencies and creditors. The attached forms were also sent to these parties. However, the resolution has been slow, and the credit reporting agencies have not responded adequately to my concerns, leading to further frustration. 

Therefore, I kindly request the CFPB 's intervention to thoroughly investigate this matter and ensure the prompt and accurate correction of the inaccuracies on my credit report. Enclosed with this letter are copies of my credit report, clearly highlighting the inaccurate items. I trust that this documentation will aid in your investigation and resolution of this complaint.

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I don't know how many times I had sent letters to TransUnion to delete the information that is not accurate on my credit report and they are not even sending me a validation letter. I don't even see that the account is been investigated. Every month I send a letter and no response from 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 2022-09-24
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today, Saturday, XX/XX/2022, I just received a debt collection notice in the mail from a company called Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX XXXX, Minnesota. XXXX. The notice states I owe {$1100.00} from a purchase I allegedly made from XXXX XXXX XXXX. 
The notice indicates a different name than mine, but it's very similar to my name. The address they mailed it to is my address. 
I called the company and explained that I never made such a purchase from any company, and do not owe the money, and I told them to remove it and not communicate with me again. 
The representative said they would only remove the name. 
Then, I hung up. 
I went to XXXX reviews, and read page after page of complaints about this same company that apparently, looks like a scam ; either that, or someone stole my address. Now, I need to check my credit report to see if they tried to put something adverse on it. 
They also gave an address to mail payments at : Jefferson Capital Systems , LLC, XXXX. # XXXX, XXXX XXXX XXXX, XXXX, AL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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 XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is incorrect! I've never been late on this one! I'm always on time with my payments. This is incorrect information. By reporting this false information, you are harming my credit.

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 2022-06-08
Company: EQUIFAX, INC.
State: NC
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:
XXXX accordance with the Fair Credit Reporting act US DEPT ED Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.

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 2022-07-04
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked repeatedly for proof of debt from Rash Curtis over the years, detailed bills, invoices, etc, but they have not provided it. They went as far as to call my out-of-state parents trying to find me. They are notoriously rude and my alleged debt is nearly 7 years old. Since they did not provide the original invoice of any of the debts, I've been righting these off my credit report for years only for them to put them back on sneakily. I have been sending dispute letters to them for years none of them were answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX open date XX/XX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX open date XX/XX/XXXX, Account # XXXX XXXX, Account # XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-12-05
Company: Synovus Bank
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On the date of XX/XX/XXXX, a letter was sent to me by First Progress Card in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per XXXX records

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XXXX cash advances were made on XX/XX/2022 to my Citi XXXX XXXX, both to XXXX, XXXX for {$550.00}, the other for {$740.00}. I did not authorize either charge and immediately called Citi. I told them that my computer was hacked on XX/XX/2022, taken over by scammers, there was possible identity theft, and my credit card information was obtained directly from my XXXX account, where it was stored. Citi told me that the charges and fees would be deducted, and I then paid the amount shown on my XXXX statement minus the fraudulent charges and fees. I canceled my Citi XXXX, my XXXX XXXX XXXX XXXXXXXX card, and my Macys card. Because of the possible identity theft I notified Social Security, the FTC, the XXXX XXXX XXXX and froze my credit at XXXX, XXXX and XXXX, My XXXX, 2022 Citi statement showed that the charges and fees had been reversed. 
When checking my Account Summary online on XXXX XXXX I saw a pending charge for an unauthorized cash advance of {$64.00}. I called Citi and was told that the charges were related to the XXXX cash advances that were placed back on my account. I asked for a supervisor and spoke to XXXX XXXX, a XXXX XXXX XXXX at XXXX. After explaining that the scammers had obtained my Citi account information directly from my credit card account information stored at XXXX she assured me that the charges would be reversed. I received a letter, dated XX/XX/2022 saying the dispute has been closed and the charges would be rebilled to my account. I again called the fraud department at Cit and was advised to send a letter asking them to re-open the case. The letter is in the mail, addressed to XXXX XXXX XXXX in XXXX XXXX, SD XXXX. 
Citi is basically calling me a liar and I want to alert the CFPB to this issue in the event that Citi fails to reverse the charges and associated fees and interest as required by law.

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 2022-07-29
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My ATM/XXXX XXXX  card will not work for the last few years. I only use it to withdraw funds at the ATM maybe six times a year. I must go into a branch or call the fraud department whenever it fails for an unknown reason. I go to the same branch every time. XXXX XXXX never works, and Wells Fargo keeps holding my account hostage and forcing me to speak to someone whenever I need cash. This needs to stop as it has been happening for years and is intentional on the part of Wells Fargo to prevent access to my funds. I have close to XXXX in the bank. I should not be stopped whenever I want to take out {$100.00}. It is deceptive and unethical on the part of Wells Fargo. These are not fraud controls but rather handcuffs.

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 2022-09-22
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fmb Omaha bought out the bank that my credit card was with, which I had set up with auto pay. I had never been late in paying the card because the auto payments came out of my checking account each month. I received no notification that my auto payments would stop after the buyout. I then received a call that my account was past due and immediately paid the past due amount but the delinquent remark had already posted to my credit report. I called the bank to ask that the remark be removed, since it was not my fault that the auto pay stopped with no notification, but was told there was nothing they could do about that. It is now affecting my credit score drastically. I am asking that the delinquent remark be removed as I immediately made the payment once I was notified that the auto payment did not go through

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 2022-06-08
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity has been stolen and is being used my Social Security number I have several hundred inquiries every day on my credit report Im not able to do anything with my credit all my accounts are hacked credit cards have been made in my name that I dont have anything to do with I cant keep an account without somebody breaking into and stealing information there have been banking accounts opened there have been major blocks on companies that Im never allowed to use again because of whoever messed with it created a lot of problems and had me locked out for life like XXXX XXXXEtc. I dont know what to do I tried to fix it myself and reach out to the company and the services and let them know that I was not the one making the accounts in creating everything under my name and Social Security number please help or let me know what I can do this has been going on a long time I have just been in denial Also I was reported deceased on my credit report at one time on experian.com and I have mail coming to the house for car insurance and things that I dont even own and Im constantly being profiled

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TransUnion Reporting Agency is Reporting False and Misleading Credit information on my credit report this is a direct violation of U.S.C. 15 1681. There are 3 accounts that are reporting False and inaccurate information to my credit report. the accounts in this matter is as follows : * XXXX Violating 15 U.S.C 15 1692d and Violating 15 U.S.C 1692E and also Violation of Regulation F 100.14 and Regulation 1006.34 and Violation 15 U.S.C 1692f. This account is now involved in litigation documents attached.

* XXXX XXXX - Violation 15 U.S.C 1692E and Violation 15 U.S.C 1692G and Violation Regulation F 100.14 and Regulation F 1006.34.this account is also now involved in litigation documents attached.

* XXXX XXXX- Violation 15.U.S.C 1692E. This company is falsely reporting 4x on my credit report 2x as positive which is accurate but then its also reporting 2x Negative which is inaccurate I have reached out to the empire finance in this matter and they have stated that this is inaccurate and it should not been any accounts on my report reporting negatively and that they have an glitch within they system I am demanding that these accounts that they are removed from my credit report immediately it is damaging and effecting my credit score and if this matter is not corrected this account will also be involved in litigation for damages and fraud reporting there should be only one car which is paid off on my report from XXXX XXXX and an accurate account which is a joint account on a car which I co-signed on which is also current only two with XXXX XXXX is 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 non-monetary relief
Consumer complaint received 2018-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Starting in the month of XX/XX/XXXX, for all Online Bill Payments delivered via paper check Bank of America stopped debiting my account for the payment on the Send On Date. In addition while these transactions were processing Bank of America removed all references to the payment from Online Bill Pay site, leaving no record for the consumer to tell what amounts had been requested be sent to merchant ( s ). The combination of these two changes without prior notification resulted in several overdraft fees. 

In talking to Bank of America representatives on XX/XX/XXXX, it was stated several times that nothing had changed and all the merchants must have changed their relationship with the Bank. In addition they stated they had no control how payments were sent out nor was there any way to tell whether my account would to debited on the Send On date or the date the merchant cashed the check. 


The following is how Bank Of America describes Online Bill Payments made with Checking, Money Market, Home Equity Accounts The Deliver By date is the estimated date that the Pay To account will receive the payment. 
The Send On date is the date that funds for the payment are withdrawn from your Pay From account. If there are not sufficient funds in your account on the Send On date, your payment will not be made.

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 2022-06-08
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: SN SERVICING CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I lost my husband XXXX XXXX XXXX. I notified the mortgage company, SN Servicing of his death. His was the only name on the mortgage. I wanted to take over the loan and get a loan modification since I would no longer have his income to pay. I don't recall the date I contacted them, but spoke to a gentleman named XXXX who assured me he would get the paperwork I needed to me. My husband and I were in bankruptcy at the time of his death. I did not receive any paperwork. I continued to pay the mortgage as best I could while dealing with social security on another matter that affected my finances. The mortgage company contacted the bankruptcy attorney and stated that I had not been making payments. I pulled the online documentation showing that I had made the payments in question. In XXXX of XXXX, I voluntarily dismissed the bankruptcy case to try and get a favorable deal with the mortgage company or find another company. I was contacted by XXXX XXXX from SN Servicing. She did send me the paperwork that was needed to modify and take over the loan. She stated in our phone conversation that the company would not reduce the interest of 12.6 % on the mortgage. I completed all of the paperwork and returned it to the company. I was sent an agreement that increased my payment from {$1100.00} a month to {$1500.00} a month. This agreement included my huband 's ex-wife 's name. I signed the agreement for myself and notified them that she had signed a quitclaim deed when they divorced. I was contacted and told I had to send a copy of the quitclaim deed. I did so and made the {$2000.00} good faith payment. I have attempted to make the payment and was told that I had missed my 1st payment to them. I have a son who receives a survivor benefit from his father 's death, but he will turn XXXX  in four months and graduate XXXX  school in 7 months. This income will no longer be a part of the money we have to pay bills. I am struggling to pay bills because of this payment plan. I have attempted to get a mortgage with another company, but am unable to do so because of late or missed payments to SN Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CarMax, Inc.
State: AL
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:
Wouldnt work with me due to me being out on XXXX  leave from work after XXXX XXXX

Company response to consumer: Closed with explanation