BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
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 belongs to someone else

Complaint:
I've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXX v XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have 5 business days to remove the said account XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Bank of America redid my escrow analysis for my mortgage account. The escrow analysis completed had included some updated information from my taxing authority for the XXXX XXXX  XXXX. Included in my tax payment was a one-time charge from the XXXX XXXX  XXXX XXXX XXXX for late fees, which was my responsibility. The one-time charge amount was {$1300.00}. Subsequently, I paid back the escrow account by myself to cover the charges. The total overage paid from the escrow account totals {$1800.00} for the end of last year ( XXXX ) which was in the form of an escrow advance. I have since returned the {$1800.00} to the escrow account which left the balance at the beginning of the year at {$0.00}. Monthly escrow payments in XXXX have been paid based on the previous tax rate every month. 

The tax principal for the account increased to XXXX from the previous XXXX. So there will be a difference there that will need to be adjusted but only needs to be based on this amount. Also to note, the insurance payment of {$1000.00} for XXXX XXXX needs to be included. 

Bank of America continues to refuse to update any information regarding the account. This has been an ongoing problem with them not even attempting to resolve issues. I had to previously file a regulatory complaint for the same reason. The only way to resolve these issues is to file these complaints. I already advised Bank of America that if they do not update the information, they would be getting a complaint. To this day nothing still has been done since I called last month.

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 2020-08-04
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying to refinance my house for several weeks now. I have been unable to unfreeze my credit with Equifax - even after unfreezing this account online ( and it says it is unfrozen ) and several phone calls with Equifax requesting to unfreeze my credit my credit has remained frozen. I have spent hours on the phone with them and there is still no resolution to this issue. Here is a timeline of events : Thursday, XX/XX/XXXX : XXXX XXXX online through myEquifax Friday, XX/XX/XXXX : Bank still unable to run credit due to Equifax Freeze Saturday, XX/XX/XXXX : Called equifax because I noticed the myEquifax information listed for me was incorrect - all of my credit history after XXXX was missing - Every account and credit utilized. When I called they realized there were 2 credit profiles for me and they had to combine them. they told me this would take 48 hours to update and then the bank should be able to run my credit. 

Monday, XX/XX/XXXX : Bank is still unable to run my Equifax credit report due to freeze. 

Tuesday XX/XX/XXXX : Called Equifax again to remove credit freeze. Here is that confirmation number : XXXX XXXX XXXX Wednesday XX/XX/XXXX. XXXX : Bank is still unable to run Equifax credit report due to freeze. I called Equifax again to remove the freeze in the morning. Here is that confirmation number : XXXX XXXX XXXX. They told me after this one to wait 2 hours and have the Bank try again. The bank tried to run a report several hours later and got the same result - credit is still frozen. I called Equifax for the second time in one day and this representative noted the issues and thought there might be an underlying issue with my profile because it was split and combined. He told me that he would escalate the issue and that Equifax would CALL ME back within 72 hours. 

Tuesday, XX/XX/XXXX : Equifax never called me back - they said 72 hours and I gave them 3 business days and still hadn't heard anything. I called Equifax again. I spent 40 more minutes on the phone with them. They were still unable to fix it and the phone call ended because they said their systems were updating and they couldn't help me anymore. This is at noon on a Tuesday that they say they are unable to help me and I have to call again. 

I've spent HOURS on the phone trying to correct this. Every time I call I have to explain my issue multiple times and everyone is always confused about why they can't remove the freeze yet nothing is ever done about it. I'm trying to refinance my house and I can't move forward with anything because Equifax can't get it together. XXXX   and XXXX were able to remove the freeze on my account without an issue. Equifax business practices are causing me harm and it is unacceptable that they have this level of power and can not complete a simple activity after multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Mid-Atlantic Finance Co., 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 belongs to someone else

Complaint:
I contacted MIDATLANTIC FInance and also XXXX and XXXX   during the month of XXXX regarding an auto loan that is reporting on my credit report. XXXX and XXXX were both disputed and responded that MidAtlantic verifies this auto loan was for me. I contacted Midatlantic and verified that an auto loan exist with them under someone elses name. The name that is listed on my credit report is XXXX XXXX, her birth year is XXXX, and there is an address in Texas on my credit report that I am not affiliated with. I do not know how this womans information and an auto loan ended up on my credit report but Midatlantic is not doing anything to correct this information as I have called them multiple times. This account to my knowledge is fraudulent and I have done my part to dispute with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY

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 2023-02-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was scammed by a phone call on XXXX  @ XXXXXXXX XXXX by what I thought was a customer rep from Chase bank since my caller ID on my cell phone number was the identical number for Chase bank. The caller instructed me that a wire transfer was happening in real time from a female in Florida named XXXX XXXX who was attempting to fraudently wire transfer {$9.00} from my checking account with Chase. I was driving down the street when this call occurred doing an errand and then I was planning to go back to my XXXX shift as a school bus driver on duty at XXXX XXXX. i was in a frenazy mentally my min d racing at this sudden bad news. The caller then instructed me to initiate another wire transfer to a supposed new Chase routing number and account number by doing a reverse transaction and submitting it to the new account which I did. Afterwards I started thinking after I parked the car and thought this couldn't be right and I hung up the phone on the caller but it ended up being too late since I submitted the wire transfer. The caller called me back within a minute or two and asked me if i indeed submitted the transfer and at this point I finally started to realize that this could well be a scam and I hung up the phone again. I hurriedly called off my job that afternoon and drove to the nearest Chase bank branch in XXXX XXXX XXXX to report this incident and I was hoping that somehow they could stop this transaction to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX but it was too late I learned later through their bank website security messages. I haven't heard anything since now being 3 weeks apparently since I was tricked into doing this wire fraud they refuse to get my funds returned to my account. i had impending bill withdrawals the next morning from my account so I had to get an emergency credit card cash advance to deposit into my personal checking account so my debits wouldn't bounce. I'm writing this story to this site in the hopes somehow I can get my {$1500.00} back since i had read on internet similar stories where the bank did refund the customer 's money. Thanks for whatever help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1977 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX TransUnion XXXX. The dates the account was opened & closed are different as well Also all different last date of payment

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The inquiries were not authorized. Please remove it 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 explanation
Consumer complaint received 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 2023-03-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back over seas has been in shambles with the loss of family members, XXXX, AND dealing with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name- XXXX XXXXXXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXXXXXX Account # XXXX Account name- XXXXXXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX  Account # XXXX Account Name- XXXX XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and EQUIFAX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I closed my XXXXXXXX XXXX card back in XXXX of XXXX, and did mistakenly miss an interest payment ( I believe ) from XXXX of XXXX, therefore interest incurred as well as a late fee. Unfortunately their phone lines had been down all through the end of XXXX but I was able to reach one representative who told me she couldn't help me as my account had been closed. She transferred me to another line that was never answered. 

I then tried to call numerous times, but my calls were always answered by what sounded like an answering machine stating that they apologized for the inconvenience, but we needed to make a payment we could do so by making payments online ... which unfortunately I was unable to do because I no longer had access to the online login function being my account had been closed. During this time the pay by phone function was down as well, so I paid the balance in full by mailing a check on XX/XX/XXXX. My check was cashed on XX/XX/XXXX of {$47.00} and the due date wasn't until XX/XX/XXXX, so I knew this should take care of it. However, I received a statement via email yesterday, XX/XX/XXXX account asking me to sign into my account online and pay a {$2.00} charge - interest from XXXX. I'm concerned that this is going to keep happening if I can't catch the {$2.00} fee, which shouldn't be happening as the account has been paid off - officially as of XX/XX/XXXX. When I paid the {$2.00} fee by phone today with a rep ( the system is back up apparently ) she told me the {$2.00} charge was interest ... I didn't dispute the charge but I am concerned. 

I guess I just wanted to start a record of this in case this continues to happen. There shouldn't be interest on a balance that's been paid off well before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Their investigation did not fix an error on your report

Complaint:
Credirt report is reporting inacurate information on my credit report. It is reporting a XXXX XXXX XXXX Account both late and charge off. 
The account was closed and has a XXXX balance. 
Complaints sent regarding this to Experian. 
XX/XX/XXXX letter sent XXXX complaint XX/XX/XXXX XXXX complaint XX/XX/XXXX complaint case XXXX Fax sent to experian XX/XX/XXXX Experian has refused to cooperate and fix the error I need this to be delete and updated from my file for failure to comply.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In accordance with the rules of the Fair Credit Reporting Act, I am filing this complaint to request that the listed account, which I believe is erroneous and incomplete, be investigated and updated on my credit file as soon as possible. 
XXXX XXXX Balance : {$330.00}.

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