BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CT
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:
The company for months claimed I owed them {$5400.00} XXXX kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX bank supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AFNI at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX has been sending me collection notices in the amount of {$4400.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EOS Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed this reporting XXXX of 2018 and my XXXX  removed this account from my report. However XXXX and XXXX   refused to remove the account even though I left them know that XXXX had removed the account because it wasnt correct. I have called XXXX and requested they take the account off as well since XXXX did but they refused. I am trying to figure out why one company will remove the account but the other two will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX initiated an ACH from our XXXX XXXX XXXX to a Chase Bank account. We were given the wrong account number and Chase Bank FAILED to reject the transfer when the account number and the account name did not match. XXXX XXXX maintains that they have no way of knowing that Chase Bank will do their due diligence and make sure ALL information matches the ACH instructions. Chase Bank did not perform their " best practices '' and failed to red flag the transaction. This ACH was for {$13000.00}. 

I would think ACH transfers over $ XXXX should be flagged if the recipient does not match the account number given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: PA
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 am corresponding regarding the INQUIRIES section of my consumer report. After reviewing my consumer reports today, I do not recognize any of the following inquiries listed. Furthermore, I can not find any record that gave them permission to pull my credit report, or to report my information to any 3rd party, thus making them unauthorized.

UCC 1-201, 18 USC 1028a ( a ) ( 1 ) ( c ), 15 USC 1681d , 15 USC 1681c-2 , 15 USC 6802 ( a ), 15 USC 1681b ( 2 ), 15 USC 1681q, As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. I do not wish to have a fraud report to be placed on my reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As I did not give permission for the following inquiries to appear on my consumer report, I ask that the remedy be that each inquiry is deleted immediately. 

I do not wish to have a fraud report to be placed on my reports. Should I, in the future, wish to have a fraud report on my account, I will do this myself. 

Should this deletion not occur, please respond to me within 30 days citing detailed and specific reasons for not deleting each line.

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 2023-06-15
Company: FORD MOTOR CREDIT CO.
State: PA
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 XXXX XXXX XXXX, Lincoln Financial, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent request about removal incorrect information on me credit report. I checked it and find out a few medical collection which I never belong to me. I always paid my bills in full and never had a dept. All of them opened like fraud accounts.

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Please remove as soon as you can every fraud accounts.

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 2022-12-06
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-06-14
Company: EQUIFAX, INC.
State: ID
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 have submitted XXXX requests to remove all addresses from credit report that are old and not deliverable by postal mail per the fair credit reporting act. They have not removed my information despite the XXXX requests made to XXXX XXXX and equifax. They also have not removed inaccurate information pertaining to my name. 

I am also requesting an updated copy of my credit reports for my review as proof they have complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank of America Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with Bank of America. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as  directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

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 2023-10-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX - XXXX - XX/XX/2023 - On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
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: Their investigation did not fix an error on your report

Complaint:
I had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind on my mortgage and I reach out to get help from my morgage company my husband not able to work he hurt and told them this they do not want to help or offer me a loan modification I ask for a forebearance to help me get cought up till my husban can return to work they said I can pay all the bills ( electric, water, my lot payment of {$330.00} and Mortgage at {$810.00} on just my pay and by food and gas. I really need some help.

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 2019-05-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i have a credit limit of {$1000.00}. I made the minimum payments for a few months after spending 90 %. i communicated with them after my bank account declined the minimum payment so i received payment. A little over a month later i stated in a phone call i will pay off the entire balance instead of just minimum. With my lack of financial literacy i made the entire payment a night before the month ends.It wasn't for a few days, the missed payment on my credit report and also wasn't get credited until 10 days after. I believe in good faith so the action of trying to pay off the entire amount and not just the minimum should be given grace for a missed payment that vastly affects my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$63000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went to pay my bill, which was a few days late ( like 5 ) and found they had closed my account. Citibank claims I filed a cease and desist with them, which I did not. 
They said they sent it to a collection agency because of this cease and desist.

The Recovery Department " escalated my case for review '' but said it will be 7-10 days before they get back to me. This is unacceptable. Someone should be able to restore my account immediately. I need the records for filing my expenses ( by the end of XXXX ), and now they are unavailable to me. Plus, this will XXXX up my credit score if it is not fixed. 
I believe this was part of some sort of fraud, but I can't get anywhere with Citibank - just " we'll get back to you in 7-10 business days ''. 
I made a payment on this account less than a month ago. I have another account with them in good standing. I have been a customer for over 30 years. I mean come on ...

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-27
Company: EQUIFAX, 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 submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of an account for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and correct the listed account : XXXX XXXX XXXX : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting incorrect information on my credit report. 
The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
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 contact Equifax credit breau and the creditors that pull my file and they summit the inquiries as fraud and yet Equifax remain it on my file

Company response to consumer: Closed with explanation