BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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:
XXXXXXXX XXXX  XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX and XXXX have removed this account from my credit reports but, Equifax continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX has removed the account but, Equifax and XXXX continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX Delaware account in my credit report ( account # XXXX .... ) which is reporting as included in Bankruptcy. The bankruptcy was filed in XX/XX/2015 and according to the FCRA, accounts included in Bankruptcy can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the Bankruptcy public record for the Chapter XXXX Bankruptcy filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have reviewed a recent credit report and someone has been illegally using my information to try to gain credit as they have illegally obtained my personal information because Of this I have several un authorized inquires reporting to my Transunion credit report not done by me, these inquiries are putting me in a financial hardship as they are negatively affecting my credit report, The following are 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 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 2022-09-16
Company: JPMORGAN CHASE & CO.
State: PA
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:
XX/XX/13 I applied twice for a Chase Bank Disney card. After receiving an error it stated that my account was frozen from XXXX. I had also applied for an XXXX XXXX  XXXX  around the same time, unknowingly I also was blocked due to the freeze. 

I was able to unfreeze my credit report with XXXX and spoke with Chase bank. They asked me which inquiry to approve, on a recorded line I stated my initial application is the one I wanted submitted. 

Chase bank approved multiple HARD credit inquiries without my consent and it has damaged my credit. I have worked very hard to get my credit to where it is at. I also do not have a history of delinquency that isnt more than 7 years old. 

I really would like these inquiries from Chase bank removed and if possible the XXXX XXXX XXXX inquiry. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Fees or costs after closing

Complaint:
I have had a HELOC with Band of America since XXXX. I have paid the installment on this loan upon until XX/XX/XXXX since I was laid off from my job. I requested a forbearance or 3 months. Then when I still didn't find a job I requested an extension while I am trying to sell the house. I was given the extension. Meanwhile I sold the house and will payoff the loan at close of escrow on XX/XX/XXXX. When I requested the payoff quote, I was told my loan is in foreclosure as of XX/XX/XXXXXXXX  and I was charged an additional XXXX for foreclosure lawyer. At any point I was not tole that my loan is going to be foreclosed and I had discussed the sale of my house and paying the loan off and the extension would be safe for me. I am .disputing the fee and having my loan in disclosure. BofA is not doing an honest business and even when a consumer does every effort to pay off the debt despite of the financial hardship they foreclosed and charged me additional fees.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-11-19
Company: Experian Information Solutions Inc.
State: MI
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 have reached out to XXXX numerous times. Regarding an account XXXX also know as XXXX. This account is reporting unlawfully. I have sent letters in regards to this issue. This account should be removed from my credit report.

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXXXXXX 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 2023-09-23
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX 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 2023-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the reported information on my credit reports regarding the XXXX XXXX Account # XXXX. The dates of last activity for this account are reported inconsistently across XXXX, XXXX, and Equifax as follows : - XXXX : XX/XX/2019 - Experian : XX/XX/2019 - Equifax : XX/XX/2019 These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This inaccurate reporting is negatively impacting my good name, character, and my ability to qualify for new credit. The persistent discrepancy raises concerns about the reliability of the furnisher of this information. I call attention to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which states that a consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' upon receipt of a notice of dispute from a consumer. To date, the action taken by your agencies has failed to rectify the inaccuracies identified and, as such, appears to be in breach of this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-23
Company: EQUIFAX, INC.
State: FL
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 submitting this complaint against XXXX, Equifax, and XXXX credit bureau regarding the hard inquires on my credit within the last couple of years. I am submitting this complaint because I have contacted all three credit bureaus dispute department via telephone several times to dispute hard inquires that do not belong to me, nor did I authorize these companies to review my credit report. I have disputed the hard inquires on the website on my account. Nothing gets processed or resolved, I receive dispute resolution within hours after filing the dispute online. On the XXXX website under disputes on the members account, it states " Inquiries can't be disputed online. If you believe an inquiry is the result of identity theft, contact us at XXXX. '' I have attempted to resolve this matter several times by calling the disputes department and I was advised that members are not allowed to remove hard inquires on credit reports. All hard inquires stay on the credit report for two years. I am submitting this complaint because there are hard inquires on my credit report that I did not authorize nor belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: CA
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 HAVE IDENTIFIED INFORMATION ON MY REPORT THAT ARE A RESULT OF IDENTITY THEFT THESE items ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME : 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 2023-02-26
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
My identity was stolen and two consumer loan accounts were made in my name. The lender 's name is Affirm. The first account was opened on XX/XX/XXXX for {$130.00} and the second on XX/XX/XXXX for {$310.00}. When I saw these fraudulent accounts on my credit report, I contacted Affirm, submitted a dispute with the credit bureau, and filed and submitted a police report. Not only did Affirm demand that I pay off the fraudulent accounts, they also refused to remove the fraudulent accounts from my credit report. When I contacted Affirm, they said I needed to pay off the accounts because they were in my name. I did so because I didn't want any more negative impact on my credit report ( there are months of late payments on the two accounts because I was unaware of the accounts/ I didn't open them ). I've since paid them off and they both have {$0.00} balances. Can you please remove these two fraudulent Affirm accounts from my credit report. It's frustrating to have my financial life impacted by something I didn't do. And I've gone above and beyond to fix the issue. I contacted the creditor ( Affirm ), submitted a dispute with my credit bureau, filed and submitted a police report ( attached ), and even paid off the accounts even though I didn't open them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Dynamic Recovery Solutions, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I got an alert on my XXXX  credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about XXXX. So I did some investigating and found the company Dynamic Recovery Solution as the collection company. There is no original lender listed and there is no company listed as the entity that sold these false accounts to Dynamic Recovery Solution. So I disputed this info directly on the XXXX  website ( am waiting results ). I reached out to Dynamic and requested the original loan docs for the 3 accounts that they were reporting for me, and they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I am not even able to contact the original lender because there is not one listed!! I explained this to XXXX  and am hoping they can remove these accounts asap, but I wanted to make a formal complaint with the CFPB to make this issue known on a larger scale. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accounts then they should not be on my credit report. PLEASE HELP!! As this is not the first time I've had to report false collection accounts on the CFPB, the same issue arouse in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent, significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Documentation from the XXXX XXXX XXXX confirms that these debts have been consolidated attached.

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 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/2019 I sent 2 certificates letters ( XXXX and XXXX ) regarding US BANKRUPTCY XXXX AND XXXX listed on my credit reports by them. The Trans union credit bureau needs to provide me with copies all documentation associated with these public 's records accounts bearing either a court order to place this information in my credit report. They passed 30 days I never get replying by them. On XX/XX/2019 I sent another certificate letter ( XXXX ) tell them that they have violated federal law and also fail to provide me in 30 days a copy of any viable evidence, bearing my signature showing those accounts is bearing reported accurately. In this occasion they sent a letter file number XXXX asking for a proof of current mailing address. That answer is totally unacceptable!! They are clearly dilated in giving me the proofs of the veracity of those accounts. Clearly Trans union XXXX XXXX is violating the FAIR CREDIT REPORTING AGENCY PRIVACY LAW ( attached documents to support my complain )

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 2023-09-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX I began making monthly payments on my student loan, to XXXX my student loan lender. XXXX claims they report to all XXXX credit reporting agencies once a month, on a specific day for activity from the previous month. 

I began noticing that the Credit reporting agencies were not updating the balance properly, causing a negative impact to my credit score. I contacted XXXX at the number they provided in a letter, but the number was not a working number. I was able to locate a different number. and after many hours on the whole and speaking to over 4 superviors each month from XXXX to XXXX, I was able to get XXXX to send an update to all XXXX of the credit bureaus. 

Unfortunately the credit bureaus still do not show the correct balance on my XXXX student loan account. XXXX still does not show the correct balance amounts from previous months. 

To make matters worse since paying over XXXX my credit score dropped XXXX points with one credit bureau, XXXX points with the second credit bureau and XXXX points with the third credit bureau. All three credit reporting agencies are using FICO XXXX model. 

There is only one FICO XXXX model, why do I have 3 different scores? Why after paying thousands of dollars on my student loans ( over XXXX XXXXXXXX between XXXX and XXXX ) would my credit score drop so drastically. I tried reaching each credit bureau for an explanation, the only thing they can tell me is that my balance goes into the scoring model and generates a score. 

Every time I make a payment, instead of my credit score going up, it is dropping drastically. This is causing me financial hardship because I am unable to finance a car at a normal interest rate. My mother is elderly and recovering from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. We need a car to transport her to her medical appointments. It is causing me mental and emotional stress. I need help resolving this issue. 

Currently, there is no Governement oversight or regulations over the FICO XXXX scoring model and its inconsistencies amongst all three credit reporting agencies. 

I need help. please contact me. 

This is causing me a financial hardship.

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