BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: Experian Information Solutions 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:
I am reporting against ( XXXX  XXXX XXXX ) on a collection account which was on my credit from a collection agency called ( XXXX XXXX XXXX  ) I have told XXXX XXXX XXXX that this account is false account it doesnt belong to me and them have refused to remove it on my credit and I also asked them to provide me any kind of envidence documentation about the false account so that I can file a law suit against XXXX XXXX XXXX and them experian also refused to mail me documentation concerning this false account, please I am in the pick of filling a law suit against experian on this false account so my lawyer ask me to contact ( CFPB ) before going ahead with the legal precedents on this matter.

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 2023-06-07
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During my trip to Hawaii, someone stole my book bag from my rental car. I have attached a police report to support my claim. I discovered that an account had been opened in my name with a company called XXXX XXXX XXXX XXXX, which uses Monterey Collection Services to manage their collection accounts. I contacted them to inform them that this account was not mine and requested its removal from my credit report. 

The company informed me that they had reached out to me once and that I had set up a payment plan. However, I must have been extremely busy at that time and confused it with something else. It wasn't until I noticed the account on my credit report that I reached out to them and discovered its true nature. I explained that this account was not mine and provided them with the police report as evidence. Unfortunately, they did not remove the account despite my efforts. 

Later on, I found another document that indicated the contract they had in place should have been voided. This document, which I have attached, was signed after they initiated the contract. Despite presenting this evidence to the company, they continued to report the account on my credit file. 

I have tried multiple times to dispute this issue with the credit reporting agency, but they have not removed the account. Furthermore, the company has been unable to provide any evidence of my usage of the account and has not produced any documents that support the cancellation of the contract. 

In summary, my book bag was stolen in Hawaii, and as a result, an unauthorized account was opened in my name. Despite providing a police report and evidence of a voided contract, the company has refused to remove the account from my credit report, and the credit reporting agency has been unresponsive to my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out a mortgage pre-qualification package through USAA during the first week of XXXX. 

After finding my ideal home, signing a contract ( with a closing date of XX/XX/XXXX ), setting up an inspection, and filing all requested paperwork USAA notified me on XX/XX/XXXX, the day before my inspection, that I would be ineligible for a VA loan despite my certificate of eligibility. My date of military separation has been posted on their banking app since opening my checking account through them in XXXX. 

Their reasoning for denying me my loan is due to my inevitible seperation from the military approximately six months after the contract closing date. USAA is also expecting me to have a job offer accepted six months in advance as a work-around to requirements set by them, as a lender. USAA is, however, blaming this requirement on the Dept. of Veterans Affairs despite the VA, as a guarantor, accepting and approving my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Attempting to improve my credit score has revealed negative reporting in the form of a chargeoff account with Sears in the amount of XXXX. I contacted the card issuer on both on XX/XX/XXXX and XX/XX/XXXX and was transferred numerous times finally arriving at credit report.com. 
I request that this s chargeoff be removed from my credit report as the original charges are in close proximity to the 6 year mark and they consisted of late charges that were the result of poor communication from the lender. A suitable resolution would also be for me to pay any outstanding balances less the egregious late fees for the removal. The number I called was XXXX and I received unsatisfacory assistance with resolving my issue.

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 2023-08-24
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credence calls me once a day Monday through Saturday. Sometimes like today they call me twice. The numbers are from different area codes. 

They are trying to collect a medical debt from 3 years ago. I was not aware the this bill. 

When I spoke to them I was confused to why this is coming into line when I thought it was dealt when the original company got the current date of birth for my child to where they can bill it correctly to my insurance. They told me if I dont pay it will affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
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: Investigation took more than 30 days

Complaint:
I have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NJ
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: IL
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 hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern regarding the presence of fraudulent items associated with my profile. I have recently become aware of the existence of these items and am deeply troubled by their presence. 

The fraudulent items in question include unauthorized transactions, false information, I have attached supporting documentation. 

I understand that your company takes matters of fraud seriously and is committed to maintaining the integrity of its services. However, the current situation has caused me significant distress, and I am seeking prompt and effective resolution to rectify this matter. 

I urgently request that the fraudulent items be removed from my profile at the earliest possible time to prevent further harm and safeguard my personal information. 

I request a thorough investigation into the origin and circumstances surrounding the fraudulent items. Understanding how this occurred is crucial to prevent future occurrences and to hold responsible parties accountable.

Clear and timely communication throughout this process is essential. I request regular updates on the progress of the investigation and the steps being taken to address this matter. I am asking for your assistance to remove these fraud items : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been trying to get an explanation about a negative entry entered on my credit report in the status and comment sections that says " Legally paid in full for less than the full balance '' this account is paid in full so why is there a negative remark and what does it mean? please provide me an explanation as to how an account can be legally paid in full and still be considered negative. the account is # XXXX Please remove the false, misleading, and inaccurate negative remark before it can do any more harm to my reputation and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Bank of America, I am writing to express my deep dissatisfaction with the way my credit card account has been handled by your company. As a consumer, I expect to be protected by the laws and codes that are in place to safeguard me from debt and financial instability. However, I feel that your company has violated these protections in several ways. 

Firstly, I am currently not able to work due to medical issues, and I have been struggling to make my credit card payments as a result. Despite my efforts to explain my situation and request assistance, I have not been provided with any viable solutions. Instead, I have been subject to aggressive collection tactics and have received threatening letters demanding immediate payment. 

Secondly, I recently closed one of my credit card accounts with your company, only to find that the interest rates on the remaining accounts have skyrocketed. This sudden increase in rates has made it even more difficult for me to keep up with my payments, and I believe it is an unfair and unethical practice.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: WI
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:
EXPERIAN INFORMATION SOLUTIONS , INC. Is reporting these fraud accounts on my credit report. XXXX XXXX, {$3500.00} XXXX, XXXX XXXX {$5700.00} XXXX XXXX XXXX {$14000.00} XXXX, Experian is violating FTC rights & my personal rights. I have made several attempts to dispute & correct this matter & Experian continues to ignore & disobey the law. Experian knows by law these companies have not legally verified that these fraud accounts belong to me. This fraud is causing a multitude of stress for my family & I & my future endeavors to use my credit. I have cancelled my membership with Experian, why should I pay {$30.00} a month & they don't seem to care about my life. 
Thank You.

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 2019-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a predatory interest only loan from JP Morgan Chase in 2006. They loaned me {$460000.00} on a property that was my Life Estate. They distributed the money to my 5 brothers and paid a {$180000.00} loan off. When I modified my loan 3 years after it was not a modification it was a refinance and they added an additional {$60000.00} to the loan. I made payments ( during the teaser years I have come to learn ) in the amount of {$1500.00} for 9 years and they then sold my loan to XXXX XXXX XXXX ... My payment went up to {$2300.00} and I struggled to make payments. I lost my home two years after it was sold to XXXX. 

It has been 4 years now since JPMorgan serviced my loan and they have sent me a check for {$120.00}. And it infuriates me that they would send me a check for this amount after they sold my loan after adding {$60000.00} to the balance and after 10 years of making payments my loan went from {$460000.00} to $ XXXX+! 

So what is this check supposed to represent? I Phoned JP Morgan to inquire and people on the other end of the line have no idea why they sent me the check! I called twice! 

This institution ripped me off on my loan, sold me to XXXX ( what a name XXXX ). To me it was like a gun pointed at my head!!! I have lost my home my credit is ruined and they send me a check for {$120.00} for years after they serviced my loan! 

Can you please assist me with this matter as I am absolutely astonished that they would try and settle something or remediate their actions with a check for {$120.00} I look forward to your response! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I obtained a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.

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 2023-11-15
Company: EQUIFAX, INC.
State: MD
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:
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 XXXX  and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 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 2023-11-15
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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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  ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
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: 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 explanation
Consumer complaint received 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a Visa Bank of America - Alaska Mileage Plan Credit card without applying for one - the letter was dated XX/XX/2022 with an enclosed credit score from XXXX dated XX/XX/2022. Which required me to activate the card which I have not done. 
On {$75.00} of which I needed to pay half by XXXX 2022 I recieved a statement from Bank of America XXXX Alaska Mileage Plan that my fee for XX/XX/XXXX through XX/XX/XXXX was {$75.00} of which I had to pay half by XX/XX/2022 or I will be charged a 29.99 % late fee. 

I have not applied for this card - I have not activated the card The mailing address for the fee is Bank of America XXXX XXXX XXXX XXXX De XXXX and the phone number for more info is 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 2023-08-24
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 submitted a letter to the Credit Bureaus to correct this erroneous account. I think you have not validated this account 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 them again. 

XXXX XXXXXXXX

Company response to consumer: Closed with explanation