BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % Correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? Missing payments from a closed account. DFCU account closed.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-02
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute a fraudulent account with National Credit Systems that has been listed under my name in my credit report. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and delete the account from my credit report, as I do not have any contract with National Credit Systems, nor is any money owed on my part. 

This is fraud and damaging my credit report unfairly and I wish to prosecute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the removal of unauthorized inquiries from my credit report, specifically in relation to Expirian, one of the major credit reporting agencies. I believe these inquiries were made without my consent and are in violation of the Fair Credit Reporting Act ( FCRA ).

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 2023-08-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings! I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. The accounts in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the XXXX, Equifax and XXXX Bureaus to remove these specified accounts below : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX XXXX XXXX  XXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Encompass Mortgage Services Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted the requested information/documents for myself and my co-borrower and the processor knowingly input false information, which resulted in a false pre-approval. With this false pre-approval I found a home which I paid the required deposit and inspection for the property. 72 hours prior to closing I was asked to submit more documents/information, however i was unable to provide the information because it was false. My documents that i submitted from XXXX to XXXX never indicated the information submitted on the mortgage application. I was denied for the loan and I was unable to receive my money back for the deposit and inspection.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Amsher Collection Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
you asked the collection agency to send me proof of the original contract from the original creditor. With my written signature. I also asked for proof of ID and Social security card which must be present when trying to obtain a service from t mobile and that I have never done any business with XXXX XXXX  or amshercollectionservices also The FCRA states that if they provide proof of original documentation that I am allowed to sue them. I want collection removed from all credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The complaint is about the XXXX XXXX XXXX account reporting as an individual account when it shouldve been reported as authorized user because it was a corporate account. It is still being reported falsely. Its also being reported as in collections/charged off with a current late payment history which is also false reporting. This account should be deleted 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 2021-07-14
Company: ENCORE CAPITAL GROUP 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
these things are wrong on my report I dont have not late payments and I should not have delinquency accounts at all tell all ur information sources that is wrong and they must provide proof of contract & their info & Id must match attached Id and address of my account must be removed any accounts that doesn't match my current address or name on ID when my credit is ran this is what is being reported from your agency LENGTH OF TIME SINCE MOST SERIOUSLY DELINQUENT ACCOUNT HAS BEEN ESTABLISHED IS TOO SHORT INSUFFICIENT PAYMENT ACTIVITY OVER THE LAST YEAR REVOLVING ACCOUNT BALANCES ARE TOO HIGH IN PROPORTION TO CREDIT LIMITS NOT ENOUGH AVAILABLE CREDIT!!!!! 

this is what is reporting and none of this is true!!!!!!!!!

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 2021-09-08
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
The Collection Company They committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.

I have never give them a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

I have disputed the alleged collection with XXXX and Equifax several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked the Agency to remove incorrect information and provide proof that they have my permission to share, sell, or use my personal identifying information. I originally asked on XX/XX/2022 and have been ignored and been sent stall letters and none of the FCRA rules seem to apply to this Agency This is the request I submitted to each Agency This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. 
You have no permissible purpose by law to contact third parties with my private or personal information.

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX {$0.00} XXXX  XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2021-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had two credit cards with BoA, They had a XXXX balance and were on autopay and paperless. After a year of non use BoA decided to change my accounts without notifying me to ones with fees. When changing them they changed everything address etc and dropping the auto pay. They finally contact me by snail mail that I was late. I contacted them, we went over the situation. They agreed that they were wrong and said that they would contact the credit agencies to correct the reporting of late payments. I received Letter saying so. both credits cards were treated as the same thing. I closed the accounts and I forgot about it till I recently checked my credit report. I found that they had only corrected one not both of the credit cards. I contacted BoA they said they could see the mistake and would fix it. After several weeks I got a report from the credit agency saying they will not change the late standing. I contact BoA they said higher management had review it they changed their mind and it stands. They wouldn't explain why or discuss it at all. They then chanced what happened.saying it was up to me to go online and find out that they had changed my accounts and they won't review it. After multiple calls to BoA I finally got someone to review my case again.. They finally agree again I was right and they said they would change it. This was made to me by XXXX BoA case # XXXX. ( I have other case # ) waited two weeks and Nothing was done and when confronted, they said they No nothing about it or other case numbers when I confronted them with their own case numbers they refused to even check on them. I asked for my file that would cover these cases and agreements they said NO. this has been going in circle for months I need help. When I get someone who is honest they agree it should be changed but then they have something that reverses it and will not honor what they agreed too

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 2023-09-14
Company: Experian Information Solutions Inc.
State: MD
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2021, I changed the my auto-payment bank account ( i.e. the account from which my balance was paid every month ) and lost my Bank of America Visa, thus getting a new account number. 

On two occasions in winter, I entered information concerning my new auto-payment bank account and spent more than 10 hours trying to pay automatically. Each time, I appeared to be successful, the automatic payment appeared and was then refused, adding late fees and returned check charges. I refuse to pay any late charges since late payment was caused by their software problems. 

I have sent them three letters and have opted out of further electronic communication with them. 

In addition, during my last conversation with their representative, I learned that their file contains erroneous accounts. It reports that I was called at work ( I have been retired for 15 years ) and that I claimed my wife handles the bills ( I am divorced ). I have notes on the actual conversation. I was told that this information was supplied by a vendor, but it was clearly fabricated. 

I have sent them a check for full payment of my original balance, and told them to close my account. I have not heard back.

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 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I called to request a credit limit increase and the agent refused to process it for me. Lastly, I noticed my credit report shows a delinquency on my two accounts ending in XXXX and XXXX. On the account ending in XXXX, it shows for XXXX and XX/XX/XXXX. On account ending in XX/XX/XXXX. 

If you require my orders to document, please let me know and l will forward to you as proof. 

To the best of my knowledge this occurred when we were relocating on XXXX XXXX military orders to and overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: CT
Product: Credit reporting 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 account to see what my balance was because i was making sure it will still at {$0.00}. When I signed into my account I noticed they charged my account a monthly fee of {$4.00}. I called XXXX XXXX XXXX XXXX XXXX they told me I have a negative balance and it needs to get paid or they will have to put it in collections so the same day I went to XXXX XXXX XXXX XXXX and did a money order for {$4.00} I paid off my balance which is- {$4.00} from XXXX XXXX XXXX XXXX XXXX in XXXX, ct on the same day because I did not want it to go to collections. I waited a couple of days and I tried to sign into my account but it did not let me so I figured the account was closed and they received the money order. 

I tried to open a bank account XX/XX/XXXX and they told me they are unable to open an account for me because I need to contact ChexSystems about XXXX XXXX XXXX XXXX put that I left the bank in bad standards and the balance is unpaid. It is not letting me open any bank because of it. 

Today on XX/XX/XXXX I called XXXX XXXX XXXX XXXX about the balance they told me that the amount is paid in full so they dont know why ChexSystems said the account is not paid. Also on XX/XX/XXXX I called chex systems right after they told me they will have to call charter oak because it is weird if they recieved the balance a year ago why they never contacted them to update the information.

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