BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
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 status incorrect

Complaint:
To whom it may concern : I believe my rights as a consumer are being violated by XXXX. Specifically, I am trying to purchase my first home. During the mortgage application process, while applying for a home mortgage, I learned that there was a delinquent item from XXXX reported on my credit report. This delinquent item is severely impacting my ability to secure a home mortgage. In addition, even if I am approved for a home mortgage, I will be paying a higher annual percentage rate ( APR ) for my mortgage due to inaccurate reporting by XXXX. My credit profile and my credit scores are being negatively affected and as a result of the erroneous reporting. As such, I demand that XXXX remove this erroneous reporting immediately. 

As a consumer, I take great pride in my credit and realize that the cost of credit is partially based on my credit history and my credit score. I am praying that Consumer Financial Protection Bureau ( CFPB ) take immediate action to cure the injustice to my credit report. 

Please note that I was a longtime customer of XXXX for many years. In 2016 I moved from my apartment and into a new residence. Upon moving I completed an address change with the United States Postal Service to ensure my personal mail was forwarded to my new address. 

Further, when I moved, I canceled my XXXX plan and moved my cellular phone service to XXXX XXXX XXXX. I received a final bill from XXXX and paid it accordingly. After moving, I had no subsequent communication of any kind from XXXX. Then, approximately 90 days after moving and being on the XXXX XXXX XXXX plan, I received a call from the collection department at XXXX. I was told that I was liable for an early termination fee of approximately {$200.00}. It should be noted that I was not aware of the fee, nor did I ever receive any billing of any kind whatsoever. At the time, I didnt want to fight with XXXX so I paid it. 

However, prior to paying the alleged amount due, I specifically asked XXXX if anything was going to detrimentally affect my credit. XXXX assured me that there would be no reporting of any derogatory items to any of the 3 credit bureaus ( XXXX, Equifax, XXXX ). As such, I paid the amount they claimed I owed them. I assumed that the amount was paid in full and the account closed and no derogatory reporting on my credit report. 

Thank you in advance for your review into this matter. I sincerely appreciate your help in resolving this matter. Please do not hesitate to reach me should you have any questions or require any additional information. 

Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: National Enterprise Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor for this debt is XXXX XXXX  XXXX. I spoke with them in XX/XX/XXXX and they instructed me to turn instrument in to local music store and said they would remove debt. Debt was originally reporting over {$2000.00}. 

After turning instrument in on XXXX XX/XX/XXXX, I thought everything was cleared as they said it would be. In XXXX, I found out that XXXX ( XXXX ) claimed I owe {$390.00} and added that to my credit report! I contacted them and explained I turned instrument in. They told me everything was fine and it would be removed from report. I called back because it was not removed but was told they could not talk to me about this issue anymore because National Enterprise Systems ( NES ) was handling this account. 

I spoke with NES and sent them proof of receipt for returned instrument. They in turn sent a bill to me for over {$2100.00} when XXXX is reporting {$390.00}. I called and asked them to provide in writing the details that could sum my owing what they claim. I scanned to them proof that XXXX is reporting {$390.00} on XXXX XX/XX/XXXX. 

My initial conversation started with NES on XXXX XX/XX/XXXX. They always transfer me to about 3 to 4 different people per call before getting some type of information about this debt. They end up telling me that XXXX have been contacted with my concern and they were waiting to hear their response. I have scanned them what XXXX is reporting and they said they will contact XXXX again with this information. 

I am exhausted dealing with this debt that has been taken care of. If XXXX is reporting this account then why is NES involved which is a collections company as well. I would like this removed from my credit report. 

Thank you in advanced!

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 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2017-04-05
Company: Winona Holdings, Inc.
State: LA
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
Had an agreement with CheckCare Systems in  XXXX   XXXX   GA. F or a $  XXXX  /month f ee they would guarantee payment of any NSF check writte n to my  business as long as I had the proper information recorded on the check and it was {$100.00} or less. We also had an agreement if they were able to collect on checks that did n't meet those criteria they would pay me for them if they were able to collect them.They were supposed to issue me monthly checks along with reports showing which checks they received from my business. My bank automatically sent all my returned checks to CheckCare Systems for collection. They stopped sending me the money they collected on my behalf so I told them to stop drafting my account the $  XXXX  /month  service fee until they paid me what they owed me. In  XXXX  of    2016 I  spoke to  XXXX   XXXX  who said he was  a manager th ere and told him to deduct the monthly service fees from what I was owed and send me the money they owed me. He said he would do that. Since out conversation in  XXXX  of    2016 I  receiv ed 1 p ayment from CheckCare Systems for {$70.00} I believe it was. They currently owe me over over {$1000.00} and refuse to pay me. I know they owe me {$600.00} for a check {$300.00} for another check and {$70.00} for another. These are checks I collected on at my business from the customers who wrote me NSF checks that CheckCare Systems later electronically swiped from their accounts. In each of those cases I reimbursed my customers the money they paid me because they were charged twice once by me and once by CheckCare Systems. For their collection efforts they change me $  XXXX  /month  and charge the customers a collection fee. I sent them a certified letter demanding all the money they owed me along with all the NSF checks they were holding for m y business that they were unable to collect on. I 've made many phone calls to without success and I hope you can hel p me settle this matter.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: NJ
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:
Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the XXXX XXXX and equifax regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I incorrectly disputed a credit card charge from XXXX XXXX  XXXXs aka XXXX in XX/XX/2021. On realization it was my mistake, I contacted my credit card company in XXXX to release the payment. Unfortunately, this release was not processed until XX/XX/2021, and XXXX received payment according to the credit card statement on XX/XX/2021. 

On XX/XX/2021 I received a notice from a debt collection company called McCarthy , Burgess & Wolff, address The MB & W Building, XXXX XXXX XXXX, XXXX, Ohio XXXX. I contacted them by telephone on XX/XX/2021 about XXXX, and told them that the invoice had been paid. I emailed to their customer services email address with proof of payment shortly after speaking to a representative. I also sent to both XXXX  and MB & W a  letter stating I disputed the debt as it had been paid, and provided a copy of the payment from my credit card statement. On XX/XX/2021, I received another letter from MB & W saying that the debt was due. I called them the next day and spoke to their customer services. They informed me that the account was " closed '', indicating that it had been settled. 

This morning, XX/XX/2021, I received a call from XXXX XXXX XXXX saying I owed payment. I told them that I did not. They did not provide any evidence that the debt was due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an ID Theft Report. Please find the ATTACHED documents to assist in the removing and blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This complaint is regarding the investigation of my disputed submitted on XXXX XXXX. I disputed the account with XXXX, XXXX and TransUnion. All three companies allowed XXXX to verify the reporting information as accurate. I requested that the credit bureaus send me the information used to verify the account along with the contact information for everyone involved in verifying the account, but did not receive the information. The information is not accurate. The open date is different with all three credit bureaus. Also, the open date is reporting as XX/XX/XXXX. However, there is no payment history reporting until the following year in XXXX when the account went negative. XXXX is the original creditor. Since they are reporting the account to the credit bureaus, they MUST report ALL information. The payment history is incomplete, which is a violation of the Fair Credit Reporting Act. There should be a payment reporting each month from the open date on XX/XX/XXXX, but it is not. Also with XXXX, the payment status has been reporting as 120 days late for over a year. This is obviously inaccurate.

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 2023-05-05
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXX NV I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX XXXX phone app Photos from XXXXt XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: GA
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:
ON XX/XX/2022 I SENT OFF A VERIFICATION LETTER TO CHECK ALL MY OF MY ACCOUNTS WAS CORRECT. THE CREDIT BUREAUS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE ADDRESS IS INCORRECT AND THE OPEN DATE IS INACCURATE THE LAST DATE IS INACCURATE. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2.

THIS LAW CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MT WRITTEN INSTRUCTIONS. 

I HAVENT GIVEN THESE ACCOUNTS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: PA
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 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 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 2023-05-05
Company: EQUIFAX, 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am writing in regards to the fraud case that was mishandled by Bank of America. The fraud issue happened on XX/XX/XXXX and XX/XX/XXXX in XXXX XXXX, Nevada. A total of {$690.00} was taken out of my checking account. I don't live in XXXX XXXX, Nevada, nor have any family member or friends in that state. I live in XXXX, GA. It was impossible for me to be in two states and make purchases in one state and withdraw money in the other. I called Bank of America 's Fraud department and was told I will be reimbursed and sent a new card. They told me it would take 2-3 months to resolve. It has now been 4 months and I have not been reimbursed or called upon. I also faxed them all the information they asked me to in the prior call. They have been idle and unwilling to reimburse or assist me any further. I also had my XXXX card  also attacked in the same duration dates. I called XXXX XXXX    Fraud department and they helped me resolved my problem, reimbursed, and assisted me in getting a new card. XXXX was completely professional compared to Bank of America. I even faxed my XXXX letter to Bank of America 's Fraud department, with the unauthorized actions that happened on my account. 

I have attached the XXXX 's letter. The investigation proved that the fraudulent actions were not by me, and they have reimbursed the funds back onto my account.

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 2023-05-05
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:
This account is reporting late as reported in my Equifax and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation