BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 ( 1 yrs, 5 mos ago ) I received a derogatory remark on my credit report from XXXX XXXX XXXX a debt of {$91.00}, and is now in collections with Allied business services. XXXX XXXX had put me on a payment plan of {$18.00} which I never agreed to especially when I have insurance to cover all copays and medical bills they were charging me late fees for not paying the payment plan and without any notice, I was missing payments and ended up finding out about debt when my mom received the bill. We went online and paid the bill completely and canceled the payment plan for the next time I went into Metro services but the bill still made collections I tried to call and get it removed and they wouldn't and I have received no help. It's not fair that I have to live with debt and remark on my credit that I paid and was refunded all of the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: REGIONS FINANCIAL CORPORATION
State: LA
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 filled a dispute in regards to the incorrect items on my XXXX  credit report. It had been well over 30 days and i haven't received any investigation results

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 2022-10-10
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-02-24
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-02-09
Company: CORELOGIC INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
CoreLogic sent me a copy of my consumer disclosure report. On that report, there were numerous variations of my name, address and phone. This is information they have " mined '' from various sources or were given for some illicit reason or another. I am requesting an official investigation of the personal information data that appears on my credit report. I have 1 name, 1 address and 1 phone number that should be on this report ; any other variation ( s ) that are NOT removed from my report will constitute a blatant disregard of consumer reporting laws.

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 2018-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX XXXX XXXX XXXX service sent 2 people to my house to clean for 3 hours. They only cleaned the house for 2 hours. I was told by the vendor they would credit me back {$40.00}. Bank of America denies my request for assistance because it was done over the telephone and their VISA vendor does not provide receipts via email or US mail. I'm entitled to my {$40.00}. The vendor appears to know this because they have ceased corresponding with me. I've posted feedback on XXXX and XXXX XXXX XXXX but still nothing. Refund 1 hour of cleaning services not rendered in the amount of {$40.00}. My alarm and door entry records proved when they entered and left. I've told Bank of America this and the Vendor. This is why the Vendor agreed to the refund me but didn't for an unknown reason. Bank of America didn't consider those facts ... only a hardcopy receipt ... makes no sense except to rip me off.

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 2023-10-03
Company: EQUIFAX, INC.
State: MD
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To provide some context, I have thoroughly reviewed my credit report and discovered numerous inquiries and accounts that I did not authorize or have any knowledge of. These items have negatively impacted my creditworthiness and have caused significant distressed inconvenience in my personal and financial life. It is worth noting that these fraudulent entries are clearly not reflective of my credit history and are therefore erroneous AND misleading. Moreover, it is important to note that these inquiries and accounts have bee reported without a permissible purpose. According to the FCRA, credit inquiries AND account reporting must be conducted with a legitimate reason, such as in connection with accredit application or account review initiated by the consumer. In this case, I have neither applied for credit nor requested any account activity that would justify the presence of these items on my credit report. The unlawful reporting of these fraudulent and unauthorized inquiries and accounts not only damages my creditworthiness but also exposes me to potential financial harm. It is imperative that you take immediate action to rectify this situation and remove these inaccurate and unauthorized entries from my credit report. I request that you conduct a thorough investigation into this matter and provide me with a detailed explanation of how such erroneous information was allowed to appear on my credit report. Additionally, I expect a prompt resolution, including the removal of all fraudulent and unauthorized inquiries and accounts, as well as a written confirmation of the correction made. Please be advised that the FCRA provides consumers with certain rights and remedies in cases of inaccurate and unauthorized credit reporting. I am prepared to exercise all available legal options, including filing a complaint with the Consumer Financial Protection Bureau and seeking appropriate legal redress, if necessary, to protect my rights and ensure compliance with the law. I trust that you will treat this matter with the urgency and seriousness it deserves. I expect a prompt response within [ reasonable timeframe, e.g.,30 days ] from the date of receipt of this letter. Failure to address this issue adequately may result in further legal action. I strongly urge you to rectify this violation of my consumer rights promptly and to take all necessary steps to prevent such incidents from occurring in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
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: Information belongs to someone else

Complaint:
This is a section/copy from my credit report : A request for your credit history is called an inquiry. There are two types of inquiries - those that may impact your credit rating/score and those that do not.

Inquiries that may impact your credit rating/score.

These are inquiries made by companies to whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

Company Information Inquiry Date ( s ) XXXX XXXX  XXXX XXXX XXXX XXXX RI XXXX XX/XX/2021 End. 
I have disputed with EQUIFAX and they found this to be Factual? Yet Equifax has Not proven this was me. I strongly dispute this, it was not me! 
My 2nd option was to Contact : XXXX XXXX, which I did and they too have failed to prove this was me. 
I am me, I have said multiple times in writing and vocally that I did not apply to XXXX XXXX for any type of loan/credit. Yet, this must remain on my credit report for 2 years. 
I filed a complain with Pennsylvania Attorney General XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In the month of XXXX, I have reach out to XXXX XXXX asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that XXXX XXXX defer payments by 2 months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be one time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the one time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards XXXX XXXX reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After XXXX XXXX noted on my credit report about the deferment of my payments, I then paid the one time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the one time fee upon my due bill date. 
I contacted XXXX XXXX  after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.

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 2021-01-08
Company: BMW Financial Services NA, LLC
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: Problem with personal statement of dispute

Complaint:
I have reached out to BMWFS several times via mail corresponds ( attached ). I want to start off my saying Im honored to be a part of the BMWFS  family and would love to continue proving my loyalty to BMW by purchasing another vehicle. 

Having said that i have been treated poorly by BMW and Im having an issue stomaching the idea of getting another vehicle with BMW after being treated poorly. 

In the summer of 2019 i was in XXXX for an internship. I made a mistake i regret and take full responsibility for which is not setting my account on AUTOPAY. My payment was over 30 days late. BMWFS reached out to my emergency contact and he was able to take care of the balance in full. 

Ever since this incident occurred i placed my account on autopay and have not missed a payment. 

BMW  wants to XXXX XXXX XXXX for making one mistake and paint my entire account as negative. Thats unjust and not fair. Im asking for a kind gesture. We all make mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: JPMORGAN CHASE & CO.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22, I received a text, from chase fraud department, asking if I made a purchase at Nordstroms, I didnt think so but went to look online on my nordstroms account, and I didnt so I replied no, a few minutes later I received a call from chase bank and it said, chase bank the same number on the back of my chase card. They said they were calling to verify. We hung up, about XXXX minutes later, same number etc, called and asked for me, said that there was more activity and it was my daughters account linked to me, saying there was a wire transfer for XXXX. I immediately said absolutely not, started to panick, I said how do I know this is chase, they had my info etc said I could call back etc, hung up was on hold, for a while calling same chase number back, they called in I said I was on hold still, etc, hung up, called the number again, back and forth we played phone tag, finally I realized it was chase, well thought so, I asked what can I do, they said they could, walk me through it, very nice and obviously impersonated chase and I had no idea, sent me a like to say no it was fraudulent, another line to stop the transaction, code a code gave code they said it was a one time code etc and they said it was all done, stopped, call back if I have any questions, a hour later I went online to look and realized XXXX was taken out, I called chase, on hold forever, they gave me he run around different departments back and forth for over an hour, finally someone said go to the chase branch, I go they filled out a form for a reverse wire, banker called an hour later told me to go online to fill it out, I called emailed etc no response from the wire department, called the bank it wired to and they couldnt help, basically run around, chase was absolutely no help at all cold etc, a few weeks later or idk 10, days I get an email wire reverse denied, I called furious, no help the letter said contact the other bank, I email, them they say this is the business office law office dont contact us, I called chase agsin and emailed no help they absolutely waited too long for wire reverse etc .and have not helped at all and we want the XXXX back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: U.S. BANCORP
State: LA
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 filled a dispute in regards to the incorrect items on my XXXX credit report. It had been well over 30 days and i haven't received any investigation results

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 2018-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about Portfolio Recovery Associates. They have called my home phone about once a week for the past 2 months, but I have a fax machine on my home phone. Their latest call was on XX/XX/18. I know who is calling because of Caller ID. I have no outstanding debt. My phone number has been on the Do Not Call Registry for at least 2 years. Portfolio Recovery 's phone number is XXXX. Can't you get these phone calls to stop?

Company response to consumer: Closed with explanation