BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2021-09-29
Company: Financial Credit Network Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Navient, who owns XXXX, calls me multiple times per day, using new numbers to evade my block. Then, yesterday and today, immediately following an unsuccessful call to me, a private number called and left threatening voicemails, pretending to be fake attorney XXXX XXXX and telling me to call this number before they showed up on my property. 

I am 99 % sure this is them initiating the robocall. It has happened both days within minutes of me not answering their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened my business account 2 years ago and since then Bank of America has been very poor on services and supporting my business. Since recovering from a pandemic, the business has already crossed the {$300000.00} revenue but Bank of America continues carelessness. I asked for a credit card so many times until giving up and find other cards elsewhere, including from other banks. Recently, I received an invitation to join one of Bank of America 's cards and decided to apply, and surprisingly got denied. Where is the rep to call me and understand my business needs? Why all other banks and institutions gave me credit cards like XXXX XXXX, XXXX, XXXX XXXX, XXXX, but the bank where I have 3 accounts, 2 businesses + personal have zero support and care?? Hasn't offer one single product to support a small business like ours in spite of our growth. Why sending invitations if even the cheapest card can not be approved?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
I have multiple negative lines or marks on my.credit report that not only have " aged-out '' only to reappear on my report under a new account. I know about debt buyers reselling almost aging debt right before they do infact age out, but whoever had owned the debt before, did NOT sell it before it aged out, it was after! 

Not only that, but when I disputed the debt a couple years ago asking for them to verify the XXXX, and the XXXX, and location of medical treatment, they refused. Isn't refusal to verify the debt illegaal? 

I also have two line of debt that are the exact same date entered to collections and amount ; that is a double charge. I've never in my life went to two different hospitals in one day for the exact same treatment. That dispute was also wrongfully denied. 

Also, A new act has passed called the No Surprises Act, which protects people from surprise billing when receiving services from am put of network provider while at a facility that is in network ( might be strictly for emergency services ). I have also had XXXX for the last 12 years, therefore that affords me another level of protection, because if I have medicaid, there is no services that are not covered. If you aren't covered for A specific procedure under medicaid, they dont do the procedure. Also, all of my uncovered medical bills are from an emergency room ( I believe all are for XXXX services ( rendered in an emergency setting and situation ). That is also covered under the act. 

I acknowledge that response time can be prolonged, but I want the person taking my email/case to know I appreciate any amount of time spent on corresponding with me regarding this. And ANY amount of help is more than I have now, and I need it. I can't wait to hear from you. Please email me with a subject line in ALL CAPS to stand out better.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my report contain errors : XXXXXXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. The FCRA requires that credit bureaus investigate disputed items and correct any errors within 30 days. 

I believe that the above-listed accounts contain errors in the form of incorrect balances, inaccurate late payment reporting, and/or incorrect dates. As such, I request that you investigate these accounts and correct any inaccuracies as soon as possible. 

I also want to express how deeply concerning and stressful it is to have inaccurate information on my credit report. It affects my ability to secure loans and credit, and it can impact my financial well-being. I urge you to take my dispute seriously and promptly investigate and correct any errors on my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I had a credit card with Capital one. I authorized capital one to take XXXX XXXX from my checking in XXXX. After paying my credit card in full and closing my account with capital one, I noticed they are still taking {$100.00}. Each month from my checking. I tried contacting them and stopping them from taking money from my account but they did not. I had to close my checking account so they stop taking money. 14 months and {$1400.00} was taken. I further investigate prior 2 years on my statement with XXXX AND CAPITAL ONE. Found that the XXXX  XXXX was not applied to my credit card and had caused late fees and interest charges added to my credit card eve though capital one was taking money out of my checking account. From XXXX capital one fraudulently took money out of my checking account in access of {$4000.00} - I have tried to get my money back from them for 2 years. XXXX provided documentation with transaction ID # to capital one to prove capital one has taken money from my checking account. Still no resolution. They open a case and close it, asking me to resubmit document. I have proof that received all document via USPS- I would like capital one to pay back the money they took from checking as well as reversing all late charges and finance charges that I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: JPMORGAN CHASE & CO.
State: VA
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:
I filed a dispute over 30 days ago and have not heard nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXBalance $ XXXX Opened : XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: General Motors Financial Company, Inc.
State: MA
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:
On XX/XX/2021 AmeriCredit has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Goal Structured Solutions, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I overpaid {$2500.00} and the company didnt notify my of my balance or overage charge until I detected it. So I contacted Launch customer service and they are saying it takes 60 days to just get the refund check processed. So I called XXXX  XXXX XXXX and they made a claim and told me to file a claim with cfpb as well to flag the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently reviewed my credit report and identified inquiries that I am not aware of where it came from. Listed below are the Inquiries appearing XXXX  # XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX XX/XX/XXXX ( Equifax Inquiry ) XXXX  # XXXX XX/XX/XXXX ( Equifax Inquiry XXXX XXXX XX/XX/XXXX ( Equifax Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) XXXX XXXXXXXX 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 XXXXXX/XX/XXXX ( XXXX XXXX ) Please investigate and Delete these items on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: CO
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 Credit Companies are not complying in their own policies in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have two credit cards that were suddenly sold to a debt buyer known as Midland Credit Management Inc. I am here to state that the two original creditors, hereafter known as XXXX XXXX and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. Midland Credit Management is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$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 2021-09-29
Company: AMERISAVE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Servicer : Amerisave Mortgage Corporation Loan Type : Conventional Loan Tenure : 30 yrs fixed at 2.5 % Issue : Incorrect tax assessment. 

I purchased home in the city of XXXX XXXX on in XXXX. My loan amount is {$420000.00}, and my monthly payments are calculated to be {$2900.00} which includes PMI, {$130.00} ( Homeowners Insurance ), and county taxes. 

Currently county taxes for my home is {$11000.00} which is very close to previous year taxes ( {$11000.00} ). 

My loan servicer is claiming based on new escrow analysis done by them in XXXX that taxes for the year is {$17000.00} which is completely wrong. And because of this they had increased my monthly payment to {$4100.00} from {$2900.00}. So basically, I must shell out extra {$1200.00} every month. 

When I look closer at the statement, they have provided to me, they claim that they paid {$11000.00} in taxes on XXXX and again in XXXX {$5700.00}. Not sure why? 

I tried to call them multiple times and they said its a mistake but dont know how to fix it. I am not sure what needs to be done at this point.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 


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 2023-06-25
Company: EQUIFAX, INC.
State: KY
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The Credit Companies are not complying in their own policies in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was the victim of identity theft in XX/XX/2018. I placed 90 day fraud alerts at all three credit reporting agencies. I then attempted to place credit freezes at all three credit reporting agencies. With XXXX and XXXX  there was no problem and they allowed me to set the freeze and obtain a pin. With Experian after multiple attempts to do online freeze I have been unsuccessful. So I complied with request to send ALL of my personal data through the mail to them. That was 7 weeks ago and I have heard nothing from them. I have attempted to call them at all listed numbers but after going through their phone tree and giving my name, address, SS #, age, etc I am told they can not help me on the phone. I am not sure what to do or who to contact. I need this credit freeze placed but seem to be blocked from doing so by Experian. Their refusal to allow any contact with consumers seems quite abusive given that they have all of our information and huge control over our lives without our express consent. I am asking you to help me find a way to obtain the freeze with Experian. 
Thank you.

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 2022-12-29
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called XXXX for addresses that did not belong to me. They mailed a whole report to a incorrect spelling of my name. Several names that were incorrect. One company has 3 different account numbers that do not belong to me. One company has 9 different account numbers that do not belong to me.

Company response to consumer: Closed with explanation