BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-03
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/XXXX I checked my credit scores via XXXX XXXX. It showed a 52 point drop from XXXX to XXXX. The message on the site was that a note was reported by XXXX that I have an account in collections. I do not have any accounts in collections. This is the second credit reporting bureau I have had to dispute recently added derogatory notes to my report which are not accurate. These so called notes are causing my score to drop and at this time I will be closing on a house in XXXX and I need my score to reflect what if actually is .I called XXXX and I was on the phone for an hour for them to tell me that it seemed like identity fraud where it was false reporting on their part. Equifax needs to check facts before they put derogatory notes that are not valid on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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 reached out to the Bureaus on XX/XX/2022 regarding an account that is on my credit report. The account in question is XXXX, which according to my credit report, is from XXXX XXXX XXXX XXXX. I have no clue what this account is nor what is being claimed that I owe or why. As a consumer I have the right to a Credit report that is 100 % accurate and mistakes like this are unacceptable. What makes matters worse is the FCRA explains in depth the process for dispute. According to the FCRA the bureaus have 30 days from receiving a dispute to notify me, the consumer, of my right and that their status of the investigation. In the event the information is unverifiable the Bureau is required by law to remove the account. If the Bureau is able to " verify '' the account then they are to inform the consumer of their finding and the status of their disputes. It has been over 60 days since this Bureau has received my complaint. The fact that they have not notified me of their finding I believe it is because they were not able to " verify '' this account which then means that they are reporting information that is inaccurate and against the law to be on my report. I am on the market for a new house and discrepancies like this are very damaging to my credit profile. This Bureau is deliberately breaking the law and violating my rights. I am documenting this complaint for my records in the event this has to move further. I am hoping this can be resolved in the CFPB and we don't have to move further. It has been OVER 60 days that the bureau receive my dispute. It has now move past the XXXX  amount of time the FCRA allows Bureaus to handle dispute. For this reason, the Bureau has a duty to delete this account Immediately!

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 2018-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Filed Chapter XXXX Bankruptcy in XXXX case XXXX. I signed a reaffirmation agreement with Bank of America on XX/XX/XXXX taking the amount of the loan from {$68000.00} to {$45000.00} leaving a cram down amount of {$23000.00}. Per the debtors confirmed bankruptcy plan docket XXXX filed on XX/XX/XXXX Bank of America had the right to place the {$23000.00} with the Class 7 unsecured claims and failed to do so. By Bank of America not petitioning the cram down amount to be placed in the Class 7 claims at confirmation of the plan as stated in the Class 7 claims and Class 2 claims that debt should any lender not file a proof of claim, not contest any amendment disputing their claim, nor contest an objection made to their claim, such claim shall be treated only as a Class 7 claim, if allowed, and such lender shall be bound by the 524 injunction issued at confirmation of the Plan. At this time Bank of America,  XXXX / XXXX and XXXX XXXX have all violated the plan by asking for this discharged debt. XXXX XXXX has included this cram down in my payoffs and in the foreclosure action taken against my loan. As I stated in my previous CFPB complaints BAC placed insurance on my loan per the loan history in XXXX while this property was under a federal stay. This was an encumbrance on the debtor and the asset and a direct violation of docket 382 ARTICLE IX section 3 ( iii ) ( iii ) creating, perfecting otherwise enforcing in any manner, directly or indirectly, any encumbrance of any kind against the Debtor or the assets of the Debtor or the Trust or any direct or indirect successor in interest to any of the Debtor, or any assets of any such transferee or successor other than as contemplated by the Plan ; The plan prohibited Bank of America to place insurance and charge the debtor while the debtor was under a federal stay. The Plan prohibits XXXX to collect the amount of {$19000.00} listed as BK cost under FEE DETAILS.

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 2023-10-24
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
XX/XX/XXXX I requested a payoff from Roundpoint mortgage. I received notification that they received my request, and they would email the payoff.. they keep telling me they email it but it has not been received.. their email also said this payoff would be available to access thru my customer portal. once again they lied..it is not. I spent over two hours on the phone with them today ( XX/XX/XXXX ) and they said they see the payoff and email its..tried two different emails that are BOTH working fine, and no receipt. I asked to speak with a supervisor who was supposed to call me back within the hour..its now been over two hours and no phone call..nothing... I asked them to fax it and the person on the phone was incapable of making this happen..I asked them to upload this into the portal as they said it would be and the person was incapable of making this happen.

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 2023-02-07
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Claim Number : XXXX File Date : XX/XX/2022 Claim Type : Trip Cancellation/Interruption I put in vast quantities of information to recover {$5300.00} from my credit card company due to a trip cancellation that I had in XXXX. The flight to XXXX was cancelled due to strikes in XXXX for me & my husband. Due to airport delays & weather, we could not get on a new flight to XXXX in time for vacation. Due to this, I needed to cancel our flight home from XXXX back to XXXX. My return ticket from XXXX was nonrefundable as was my hotel. My card company specifically states that they will reimburse me in these types of matters, but after XXXX weeks of talking to multiple claim agents, I only get a refund for {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Nelnet, 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 information incorrect

Complaint:
I have a student loan account that is currently in Forbearance,. There are XXXX accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all 3 Agencies ( XXXX, XXXX, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi there, I have had issues with Trans Union not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that XXXX did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for Transunion no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.

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 2022-04-19
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Repporting Act XXXX  account XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX 60 day 2 30 day laypayments, XXXX XXXX 6 30 day late payments, XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX 120 day late payments 1 90 day 1 60 day 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: National Credit Adjusters, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an email about a loan/debt collection from a person claiming to be XXXX XXXX from National Credit Collections Collections & Legal Department XXXX XXXX XXXX # XXXX, XXXX, TX XXXX However, the email does not say who the original debt is supposed to be with and threatens legal action if not paid within 24 hours. The email also includes the last four digits of my social security number. 

I believe this is an email scam attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: Continental Finance Company, LLC
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
FIT XXXX issued by Continental Finance Company ( hereafter 'CFC ' for this complaint ) has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. FIT XXXX has XXXX since XX/XX/XXXX which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau XXXX XXXX the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains XXXX its enforcement authority. I also have the right to Opt Out under XXXX CFR XXXX deriving authority from XXXX XXXX XXXX. Also, under XXXX XXXX XXXX ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with FIT XXXX XXXX XXXX open-ended credit line and the credit application became a security the moment my signature was obtained. FIT XXXX XXXX XXXX in violation of the XXXX XXXX XXXX of XXXX for the sale of my security on the secondary market.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: VA
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2021-06-10
Company: Colony Brands, Inc.
State: DE
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:
Hello, Im having discrepancies with XXXX and the creditor Seventh Avenue and I reached out to XXXX by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from Experian about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at XXXX all Im being told is lies majorly of the representatives from XXXX doesnt even want to give consumers there name. XXXX went into my credit score constantly changing my score to high to low, over a company called Seventh Avenue that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, Seventh Avenue is reporting it to the credit bureaus as a paid charge off. Seventh Avenue owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was homeless sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and Seventh Avenue still want remove this account off my credit after being told they would very XXXX people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need XXXX to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: SC
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:
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. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2022-01-13
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I have been trying for months Experian has ignored my request for physical validation as well as ignored accounts that I have identified as Identity theft and this organization refuses to remove them. In addition to this is my second attempt for this company to send me the information I have requested for these accounts that are not validated and they should be removed immediately. They have not conducted any investigations as well have used XXXX XXXX to validate these accounts when I already informed them via writing that that was not an acceptable form of determining these alleged accounts to be validated. They have responded with speculative assessments contrary to my clear written instructions to justify not responding to my issues raised in my complaints. Please remove all unauthorized, fraudulent accounts promptly pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent farther legal action. It is a fact with the included CFPB report Published XX/XX/2021 I have Proof that I previously submitted both an identity theft report that Experian responded was a third party which was not as well Experian has made it very difficult to removed items that are both unauthorized and are affecting my ability to obtain any credit. This organization has caused me many troubles I have been disputing these accounts for the past 6 months.

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 2023-05-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the Equifax and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY

Company response to consumer: Closed with explanation