BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: August Real Estate Investments, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
so i paid my behind mortgage on XX/XX/XXXX after i received a NOI from AUGUS REI. August Realstate I as it shows on my credit.they confirmed they received the check on the phone for XXXX $ on XXXX XX/XX/2023 that would clear all the balance due and fees and make my account current and since it was before the NOI deadline no further action should have been made by the company. but the company kept sending me wrong statements after and ignoring this huge payment. i kept calling couple of times at least 4 times and they said they will process the check and the wrong statements was an error. on one ocasion they said i have not made the payment to them!!! then they checked again and said they received it!!! but nothing happens after 45 days. they sent me a wrong notice of acceleration letter on XXXX XXXX although my account was current at the time ( XXXX XX/XX/2023 ) and i had paid every single balance due for each month as well. they are reporting my account as late to the credit bureau XXXX and damaging my credit as well. i dont know what to do really. i keep calling them but no results. last time i called 4 times in a day and they said that their account department is busy they are going to call back they never called back. i am frustrated. i have paid my balance in full and keep paying the balance every month and they are trying to ignore my XXXX $ check and sell my house illegaly. also they are reporting this account as late wrongfully since and damaging my credit. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: NC
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 have been disputing fraudulent accounts in my report but I get no response from either creditor nor the bureaus. The problem is still there and nothing has been done to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
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:
A credit builder account was open through the platform " XXXX " which I, XXXX XXXX did not authorize and upon contacting the company/business and bringing the fraudulent activity to their attention, the matter has yet to be resolved. 

* Disputes has also been open with related entities and credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: MD
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 purchased a XXXX XXXX device from Amazon and decided to return it with another Amazon item, a cell phone cover. 
The order was delivered back to Amazon on XX/XX/XXXX, per a Supervisor I spoke with today, but they say that the XXXX was not in the package and requested that I return it or else they would reverse the refund. 
I've gone back and forth with them on the phone and now in email, letting them know that I do not have the XXXX, they have it. I can not return something I do not have. If there was a mix-up in the packaging, then both items would be in question, not just the XXXX Truth is, I did not mix them up. I've returned numerous items over the 10-plus years that I've been a prime member. I know what I'm doing. Plus, mix-up or not, they still should have both items. 
I had requested that they send back the packages so that I can review them and straighten them out if needed, but they won't do this either. 
They can not have both my money and the item, not fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: HCFS Healthcare Financial Services of TeamHealth
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:
I would like all of my unauthorized Inquiries, my derogatory remarks, late payments public records and student loan accounts removed. Many of these account lack addresses and account number so I am filling them as regular basic removals.

Please apply these laws to my accounts

the fair debt collection practices act law 111-203,title X 124 Stat. 2092(2010) fair credit reporting Act (FCRA) 15U.S.C 1681("FCRA")

please removed all this thing on my credit report.

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 2023-10-27
Company: EQUIFAX, 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:
Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my consumer credit report. It has come to my attention that an account has been deleted from my report without my authorization or request. 
I recently reviewed my consumer credit report and noticed that the XXXX XXXX  has been deleted from my consumer credit report. I want to clarify that I did not initiate this deletion, nor did I provide any consent for such action. This unauthorized deletion has raised concerns and questions regarding the accuracy and integrity of my consumer credit report. 
As a responsible consumer, I understand the importance of maintaining accurate and up-to-date credit information. It is crucial for me to have a comprehensive and reliable consumer credit report to make informed financial decisions and ensure the accuracy of my creditworthiness. 



I kindly request that you investigate this matter promptly and provide me with a detailed explanation as to why this account was deleted without my consent. Additionally, I would appreciate it if you could reinstate the account on my consumer report until a thorough investigation is conducted. 



Furthermore, I would like to be informed of any steps taken to rectify this situation and prevent similar incidents from occurring in the future. It is essential that Equifax maintains the highest standards of accuracy and security when handling consumer credit information. 



I expect a prompt response within reasonable timeframe to address this matter and provide me with the necessary information. 



Thank you for your attention to this matter. I trust that you will handle this issue with the utmost professionalism and resolve it in a timely manner. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: NC
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 have been disputing fraudulent accounts in my report but I get no response from either creditor nor the bureaus. The problem is still there and nothing has been done to address my concerns.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
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 i believe XXXX XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: MI
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:
THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE 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 2023-01-09
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
JPMCB Card XXXX hard inquiries on XX/XX/XXXX, and XX/XX/XXXX, are reported on my experian report. I spoke with a representative at JPMCB, and they recommended I report fraud. They stated they did not have any credit application history in my name. I also credit submitted a fraud dispute with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 i believe XXXX XXXX XXXX  XXXX and account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2021-02-11
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Two XXXX  loans originated in XXXX. Entered bankruptcy in XXXX. Ch XXXX in XX/XX/XXXX followed by Ch XXXX in XX/XX/XXXX. XXXX  loans paid in full according to Bankruptcy Trustee in XXXX, XXXX. 

No communication from servicer AES for 5 years. In XX/XX/XXXX received letter from collection company XXXX. Contacted XXXX who explained XXXX loan transferred back to AES. Could not explain why no communication. Advised I needed attorney to address. I informed them would not be spending money on attorney when bankruptcy court sent servicer regular payments, ledgers. XXXX advised loan transferred back to servicer. What is XXXX ' role? To pad accounts w interest, fees, charges etc? 

Contacted AES which stated have two loans remaining with balances due. Loan 1 has balance of XXXX while Loan 2 has balance of XXXX. No statements provided. Documentation received upon my request to AES stops at XXXX. No statements provided after XXXX showing payments made, fees, charges etc. 

While I can easily pay both amounts, the point is these accounts have already been satisfied through bankruptcy court payments. Why is AES now trying to collect on phantom charges? Im receiving letters from AES on an almost weekly basis. 

Letters now stating payment will be late as of XX/XX/XXXX. Ive worked hard to recover from bankruptcy, hope AES wont destroy my credit with their " error ''. XXXX XXXX legacy tom foolery at work? I trust your agency can assist. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
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:
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. 

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 has violated my rights. Or a 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: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NY
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:
Recent complaint ID : XXXX Equifax Information Services LLC Hi , Thank you for your response to my complaint submitted through the CFPB Complaint Portal. I appreciate the completion of your investigation regarding the inaccurate items on my credit file. However, after reviewing the results you provided, I am still concerned about the presence of these disputed items on my credit report. 
In your response, you mentioned that adverse accounts that have been paid in full will be automatically deleted seven years from the date of the first delinquency. I would like to clarify that the disputed items in question were not paid in full and should be removed from my credit report based on their inaccurate reporting. 

Regarding the accounts where additional information was provided from the original source, I kindly request that you provide me with the specific details and supporting documentation that substantiate the accuracy of these items. It is crucial for me to review this information to ensure the validity of the reported data. 

Furthermore, the non-reporting disputes you mentioned indicate that the disputed items are not currently reported on my Equifax credit file. In light of this information, I request that these items be completely removed from my credit report to ensure its accuracy and fairness. 

I would appreciate your prompt attention to this matter and a comprehensive resolution to remove all disputed items from my credit report. Please provide me with a detailed response and any necessary actions I need to take to ensure the removal of these inaccuracies. 

Thank you for your cooperation and prompt assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: LA
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:
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.

has violated my rights. Or a 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: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX account PAID IN FULL!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Bread Financial Holdings, Inc.
State: LA
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:
On XX/XX/19 two balance transfers to my XXXX account for {$2900.00} and {$3000.00} were suppose to occur. Comenity Bank charged my account for these transactions but XXXX never received them. XXXX has told Comenity that they were not received, I also filed a dispute with my local Sheriff Department and they were also told by XXXX that I did not receive these funds. The Sheriff detective then told Comenity. Comenity is still refusing to refund these amounts. They say that it's a banking issue but will do nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: KS
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. 

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: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I contacted XXXX and XXXX let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to Experian, XXXX and 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 2022-12-06
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: Account status incorrect

Complaint:
I contacted XXXX and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief