BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
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 is missing that should be on the report

Complaint:
My XXXX XXXX XXXX XXXX Account was removed from reporting on my Equifax back in XXXX of 2021 for not reason. Although it was removed from Equifax and they refuse to provide a reason as to why, the only way the Equifax will restore reporting of the XXXX XXXX XXXX Account is to have XXXX  send them a reinsertion letter and updating the account information. I have tried for several months to get XXXX to do this yet the keep giving me the run around and repeatedly tell me that since Equifax removed the account, it's Equifax 's problem. This of course is not true since Equifax is telling me that the only way they'll start reporting the XXXXXXXX XXXX  XXXX XXXX account again is if XXXX submits a reinsertion letter. For nearly a year XXXX and Equifax has blamed the other for the account not reporting on my Equifax Credit Profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'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 2022-11-28
Company: EQUIFAX, INC.
State: SC
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted in accordance with US code 1681 c-2. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the Identified transactions are not information related to any transaction by me as a consumer. I have Submitted an identity theft report and put a fraud alert on my credit profile through XXXX. XX/XX/2022. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I've been sending letters but they keep on being ignored so this time I'm seeking help from government agencies for you guys to take action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Mr. Cooper Group 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:
Ignorant applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, XXXX and XXXX by Seterus, Nationstar and Mr Cooper. ( ref to complaint XXXX, missing primary documentation submitted through CFPB portal XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
There are several accounts reporting incorrect information on my credit report and if one agency is reporting a different balance or status than another agency, I ask how did any of the agencies validate the information being reported? It is obvious that proper validation was not completed within my credit report. Please remove the accounts completely. 

XXXX XXXX original balance, limit and last payment dates do not XXXX reporting on Transunion but XXXX and XXXX have already deleted this account due to the account being paid and also considered a certificate of indebtedness and income due to the charge off status. 

XXXX XXXX reporting on XXXX but Transition and XXXX have already removed this account XXXX- original balance and monthly payment reporting different on each report XXXX  condition wrong XXXX current balance, original balance, limit, monthly payment and last payment all reporting different

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 2023-07-17
Company: Cedars Business Services, LLC
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:
Debt collecting on a debit that has been obtained through identity theft. Attached is a copy of my FTC XXXX, Dispute & Notice of XXXX info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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:
Reached out to Equifax and XXXX multiple times for multiple months via CERTIFIED MAIL regarding FRAUD ACCOUNTS and FRAUD INQUIRIES. They advised me to file an FTC report which I did. It has been months and no responses nor removals. Spoke to XXXX from the Attorney Generals Office and he is going to dig deeper to see why the reporting agencies are neglecting me and violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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: Account status incorrect

Complaint:
This company have violated my Federally protected rights on more than one occasion.

There are late payments on my account where that information should not be reported based on US code 6802. This law also states that no non-public information should be shared with credit agencies or 3rd party organizations. US code 1666b also states that that no credit card payment under an open end consumer credit plan should be treated as late for any purpose.

15 USC 1681 also states I have a right to privacy and also state that a credit agency can put furnish anything without my written instructions. 

I have moved forward in filing a lawsuit on Experian and XXXX. XXXX did remove items but if they do not continue to remove items I will be filing on all 3. This will be my second lawsuit on Experian after one successful settlement.

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 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with Experian today, but I keep getting an error message. This is such an inconvenience. Also I tried calling Experian and it doesnt give an option to speak with a live representative. I should be able to dispute something on my credit report without going through a 3rd party.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 did not open ANY account with " THE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. TransUnion 's and XXXX 's and XXXX 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with XXXX XXXX XXXX, TransUnion, and XXXX. on XX/XX/2023, Transunion investigated ( File Identification Number : XXXX ) and THE XXXX XXXX verified the account as accurate when it was not. The XXXX XXXX account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Two internet purchases I made were located in foreign countries. I was unaware of this status. When Bank of America later sent me an email about the purchases I responded to decline the purchased. The ban declined the purchases but then without warning shut down my credit card without warning. I did not find out about the termination until later in the day when I was trying to make a purchase at a local store.

Trying to call customer service was a disaster. Initial hold time of 30 minuted followed by subsequent delays. The bank refused to reestablish the credit card insisting that they would have to send me another card with a new account number. I have numerous reoccurring charges tied to the account and it will take me hours to change all the information. There was no fraud involved and no loss on the part of the bank. Failing to have procedures to reestablish the account because of computer issues is their problem, not mine. 
Bank of America has shown poor customer support in the past and recently sanctioned a substantial amount. Apparently it was not enough. I request that you reexamine their procedures and once again fine them heavily again to get their attention to these constant short fallings.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: VA
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 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 explanation
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { capital once LLC }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ capital one LLC ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
Company: GOLDMAN SACHS BANK USA
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased an XXXX form Apple.com in XXXX. I signed up for the Apple Credit Card ( Goldman Sachs ) It was supposed to be interest free for 24 months. Goldman Sachs started charging me interest in XXXX ( the first full month I had the card ). I contacted them and they told me it was not set up as interest free. The representative said they would refer it to manager to see if they could switch it over to interest free. I waited a week and never heard anything. I contacted Goldman Sachs again through text. A supervisor asked me to give them a moment to review my account. That was two days ago. I have stilled not heard anything. I contacted Apple and I was told it was supposed to be interest free from the beginning. They transferred me to Goldman Sachs and there is a two hour wait time. They have already stolen {$30.00} from me and now I supposed to wait two hours to talk to someone that refuses to help me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: TN
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:
I contacted credit reporting agencies to remove accounts I never gave consent to be on my credit report. They are furnishing this report and it has caused my score to crash. They are violating my privacy and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Capital Management Services, LP
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX XXXX, a natural living and breathing woman, submitting this complaint on my behalf without any influences from any third party or its agencies. Capital Management Services , LP is violating my rights under FDCPA and the FTC- Gramm-Leach-Bliley Act by having my personal private information without my consent, contacting me without my consent, accusing me of owing an alleged debt, continuously harassing me after I told them that I didn't want to receive any communications or CORRESPONDENCE, sending me false and deceptive statements with my name and address, sending me correspondence with harassing and accusing words " Our representatives are trained to offer assistance regarding this obligation '' also stating " For payment arrangements or account inquiries, please call Capital Management Services , LP XXXX XXXX XXXX ) XXXX '', also stating " Should you wish to discuss the manner in which your account has been handled, please call ... '' I do not have an account with Capital Management Services , LP nor did I sign any contract or agreement with Capital Management. I've never had not one contact or communication with this company a day in my life and they just randomly send me a letter accusing me of an alleged debt. This company is conducting deceptive and bad business practices by not providing me with any verifiable proof of the alleged debt and continues to cause me harm by harassment, coercing, misleading and deceiving me into paying them money for something I don't owe. They are stressing me and my family, causing me emotional and mental distress damages and defaming my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: NV
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:
I have contacted the Courts and have included their response. According to the United States XXXX  XXXX XXXX XXXX XXXX. The XXXX  XXXX does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. 
I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights.

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 2023-07-05
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I am writing to request the removal of a recently missed monthly payment from both my credit history and that of my sister, who kindly cosigned the loan for me. Due to financial hardships, I temporarily fell behind on payments. However, I have now brought the account up to date and am financially capable of making consistent monthly payments going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
loan # XXXX this mortgage company is not applying my payments since XX/XX/2019 the moment they receive my payments. PHH mortgage is saying agent XXXX ID # XXXX they have my payments on hold and they haven't applied my payments. I tell them why they haven't applied and they transfer me with someone else and hangup on me. I'm submitting document proof of my payments from my bank that PHH have received my payments and dates from my bank account chase

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 midnight, there were 9 unauthorized XXXX transactions from XXXX Bank of America checking account, 7x {$25.00} and 2x {$20.00}, ttal of {$210.00}. Luckily I woke up around XXXX, and saw text messages from BofA XXXX if I authorize online activity on my account. I responded NO right away to two of the messages sent ( messages attached ). I checked also right away my checking and saw the 9 transactions which I never authorized ( transactions attached ). Once the bank opened at XXXX, I called and reported the fraud activities on my account. I filed a claim of fraud and followed the banks instructions to change my password etc including destroying my debit card, and they will mail me a new one with different numbers. I was calling the bank on a daily basis to follow up. 
BofA responded to me on XX/XX/2022, stating that as a result of their research, it was determined that they were unable to honor the claim ( letter attached ). 
Please help me with this. I am afraid ths can happen again not only to but others. I have been a customer of BoA for 30 years and its very frustrating they can not help me. What if I didnt wake up that early morning.. all of my savings will be wiped out. yet i responded to the banks text message, NO, as soon as i can

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