BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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:
You are reporting incorrect and accurate derogatory information on my consumer report and I have already made you aware of it and you continue to report that derogatory and accurate information on my customer report and now youre defaming my name and character 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer. 

FINAL Complaint. NEXT LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft, as a result many accounts such has banks and credit cards were opened in my name. I have directly sent documentation as well as letters to this company and the credit bureau maintaining my financial information and the item is still being reported and even was sent to another company to collect on the account. This has adversely affected my credit rating. Notarized affidivats were mailed directly to the companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Fidelity National Information Services, Inc. (FNIS)
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:
check systems has denied deleted a fraudulent account. ( XXXX XXXX XXXX   ) in have ask them even. sent them over a FTC identity theft report and they did not want to except this. at all, I just file a dispute with them to remove this account and inquiries, all these were done with out my knowledge, checksystems has gave me problems, muy identity was used by XXXX XXXX and other banks I have sued XXXX XXXX for fraud and identity theft, please have check systems remove this account and have disputed other accounts on check systems like XXXX  XXXX XXXX and family savings as fraud please make sure these are remove to please XXXX ) this is the confirmation number for my dispute please help I'm tired of getting treated badly, also other inquiries, XXXX XXXX, XXXX  XXXX, XXXX  XXXX also the checksystems report numberer is ( 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 2023-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello, I have filed 3 previous complaints with the credit bureau regarding Carrington Mortgage. Carrington Mortgage bought my mortgage from XXXX XXXX XXXXXXXX somewhere around XXXX or XXXX. The home was foreclosed in XXXX. There was a surplus owed to me in the amount over {$21000.00}. But the money was not given to me. In other words the home was sold for more than it was worth. In XXXX, I submitted an application for an apartment and was asked if there was a second mortgage on the previous home. I said no. in fact, I lived in the home that was foreclosed on for 20 years and never took out a second mortgage. Lately, I have been receiving monthly emails from Carrington Mortgage. XXXX XXXX alerted me that Carrington Mortgage is on my credit record as active. The credit bureau has not dealt with this issue. The credit Bureau note to my credit reported that the matter was resolved. The credit Bureau has never reached out to me via email, us mail nor by telephone to inquire about the matter. I do not owe any money to Carrington Mortage and the report show show that there was a bankruptcy in XXXX. Thank you for your help. 

XXXX XXXX formally XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I discovered that my checking account was usually low of funds. After investigation, I discovered that someone had opened up a XXXX XXXX count that was tied to my bank account and moved most of my money out of my checking and savings accounts. I went back in time and review all charges on my account and found that someone was moving small sums to overseas accounts starting back on XX/XX/XXXX. At no point did Chase raise any red flags, or warn me about these strange transactions that did not align with my past transactions ( despite claiming 24/7 Fraud Monitoring or Zero Liability Protection ). I called Chase to dispute these transactions, but after their investigations, they told me there is nothing they could do as Chase is only liable for up to 60 days from the first incident. The issue is a majority of the money was moved during this last month. Now my account is standing at a loss of over 80 % of where it should be and I have no path to recover the stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
There is incorrect information on my reports with TransUnion XXXX XXXX  pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate XXXX XXXX accounts, and XXXX XXXX XXXX, and XXXX XXXX XXXX Missouri. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is 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 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  has violated my rights.

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

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
theyre still reporting missed payments thee major credit reporting companies. when in really they sold it to a deft collector. And in all honesty. I didnt sign any legal agreements with said buyer of the debtXXXX XXXX XXXX is still to this day pushing 120 days late on 36 payments. Its killing all efforts to buy a home. Please help with this and take XXXX XXXX off of my XXXX and XXXX credit reports. Please

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 2020-12-14
Company: EQUIFAX, INC.
State: AZ
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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:
I am writing to bring to your attention a concerning issue regarding my credit report. A previously disputed collection account has reappeared on my credit report, and I would like to address this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The collection account in question was previously disputed, and after a thorough investigation, it was removed from my credit report. However, I recently obtained a copy of my credit report and was dismayed to find that the same collection account has resurfaced, negatively impacting my credit score. 
I kindly request that you investigate this matter once again and provide me with a detailed explanation of why this collection account has reappeared on my credit report, despite our previous dispute. If any new information or documentation has become available, I would appreciate your sharing it with me. 
I would also like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for Equifax or XXXX to furnish this account information. I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: OH
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:
I have been sending information about some accounts that appear on my credit report to the bureaus for months, and they didn't answer about my requests, not even by email. By law they have to report about my requests. It is unfair I have to come to this to be took into account by these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: SYNCHRONY FINANCIAL
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
NEVER USE PAYPAL!

We purchased an electric lawnmower for {$2200.00} using PayPal. This turned out to be a fraud. We never received anything! We filed a dispute in XXXX of XXXX with PayPal. Paypal agreed it was fraud and reimbursed us. Then they billed us for the no show lawnmower again and our auto pay from our XXXX XXXX  automatically paid PayPal for the incorrect charge. We have been filing disputes and getting refunded and re- billed ever since. We have spent hours and hours trying to resolve this. We have all the documentation to prove we do not owe PayPal anything, in fact, they owe us for interest they charged and {$50.00} they neglected to reimburse us. Now Paypal has charged us twice for this and our account reads that WE owe THEM {$4500.00}!!! We are a retired couple on XXXX income. My husband is XXXX with XXXX. This grievous abuse is causing us so much stress. PLEASE PLEASE HELP US!

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 monetary relief
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2022, and XX/XX/2022, I, XXXX XXXX XXXX sent Experian, and XXXX a letter stating to remove the incorrect addresses. Later on in the month, I spoke with XXXX and he stated they received the letter on XX/XX/2022. He told me that I would have to wait 30 days from then for the dispute to process. It is XX/XX/2022, and they have yet to deleted the inaccurate addresses. I have attached the letters asking them to delete this information. This is a violation of my rights under the FCRA 15 USC 1681b ( a ) ( 2 ). I never gave Experian and XXXX written consent to report any addresses let alone these inaccurate addresses. They also have a name by XXXX XXXX XXXX and XXXX, XXXX are not my names and it needs to be deleted as well. Experian is well aware of the disputes as they have said they received it and are now in violation of 15 USC 1681n for knowingly reporting this information as it has caused me to miss out on multiple opportunities with finding housing. I seek remedy as a protected consumer. Please contact me as soon as Experian and XXXX responds.

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I had been checking my account balance at the atm machine around me throughout the day. When I got home I checked again and it gave me a message its was unable to verify my account so I chose the option to be connected with an agent and he told me I wasnt able to check anything on my card because I had ordered a new card I told the agent that I didnt authorize that and how was that done he said online I then told him I did sign up for an account and have been trying to get access to log on but have been unsuccessful so it was not me who ordered the card and to cancel what was ordered cause I still have my card and I dont need a new one and he then told me nothing can be done about it cause the new card was sent already. And thats when the unauthorized transfers happened on my account. I filed a dispute on XX/XX/XXXX and the date keeps changing every time I call and everything thats told to me also. BofA agents has not done anything for me Ive spoke with agents, supervisors, managers, and every department there is but am still getting no where with my claim I have tried to resolve this matter and I get nothing but the run around from BofA they do nothing but put me on hold and tell me its gon na be handled and taken care of just so I can get off the phone and find out the next time I call they havent done nothing but taken notes. Please help me resolve this matter because I need my money back from BofA ... .they should have a copy of all my conversations with them recorded and they know they are doing nothing for me.

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 monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
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:
Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account and no contract for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
our MONTHLY STATEMENT dated XX/XX/2021 total amount was {$1500.00}. 

On a statement dated XX/XX/2021, it became {$1900.00}, because they added Escrow ( Taxes and Insurance ) for the amount to {$400.00}. 

We paid our regular monthly payment of {$1500.00} and we did not miss a payment. 

We received a letter, dated XX/XX/2021, from XXXX, sub serviced by LoanCare XXXX LLC, cancelling the insurance coverage that they ordered and the amount charged to our account has been reversed. The impound/escrow account was also cancelled. 

We received the monthly statement dated XX/XX/2021, the errors were not corrected and a late fee was also added. We were never late in our payments. Our bank statements can prove it. 

On XX/XX/2021, we wrote a letter about the errors that were not corrected. We included a copy of our insurance coverage as evidence, which XXXX acknowledge on XX/XX/2021. 

On XX/XX/2021, we received a " payment reminder notice '', we do not know why, because we never missed a payment. 

Another letter arrived on XX/XX/2021, about being delinquent in our payments. 

On XX/XX/2021, we called Loancare and talked to XXXX and later on to XXXX. They said that everything will be corrected. 

On XX/XX/2021, we wrote another letter about the escrow and late fee errors. we filled the guidelines by CFPB, and we have not recieved any response. 

As of today, nothing has been corrected. I need your 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