BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: FISERV INC.
State: WV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I was charged an " Account Maintenance Fee '' for {$5.00} on XX/XX/XXXX and XX/XX/XXXX. I had never been charged any fees before. I did not agree to these fees as this account was set up by my employer to distribute per diem money from a US government contract. 

I read over my card agreement and NOWHERE does it list this fee. It talks about a fee schedule but it is not included in the paperwork I was sent. 

I called Money Network on XX/XX/XXXX as there is not option to contact them through their website or social media. I stayed on hold for 40 minutes and no one ever answered.

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 2022-04-27
Company: Atlanticus Services Corporation
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:
I have paid a {$820.00} settlement on XX/XX/2022 towards an account that was with Fortiva Retail Credit. I have disputed this account with XXXX and Fortiva has refused to update my Credit Report to Legally paid in full for less than the full balance. Yet they just refuse to update my credit report at all. This was what the XXXX representative has told me on my phone call XX/XX/2022 at XXXX. 

On XX/XX/2022 around XXXX I called Fortiva as I saw the results of my dispute and nothing was changed or updated. The woman on the phone refused to help and kept saying call the 3rd party company that bought my account. I explained this was paid to them ( XXXX XXXX ) and they advised me that Fortiva would handle updating my credit report. Another woman got on the phone also and just kept saying call another company. I asked to speak with the credit reporting department and they refused. XXXX told me they do not update Credit Reports at all. It is Fortiva Retails job and they would. 

I have paid this responsibility and would like Fortiva Retail Credit to do their job and update my credit report as every other company in America does when you pay off your account. It is hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX closed Late dates : XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XX/XX/XXXX Balance XXXX {$4400.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom it May Concern According to my most recent credit report, your company is currently reporting That I applied for credit with the listed below organizations. I did not grant them authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept these inquiries. If a signed authorization can not be found please remove these inquiries from Equifax. 

I have listed the inquiries below : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX , XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Property Address : XXXX XXXX XXXX XXXX XXXX IN XXXX Loan Number : XXXX XXXX mortgage subserviced by LoanCare Account shows 6 months of unpaid mortgage ( XXXX XXXX ) LoanCare confirmed that autopayment was successfully set up on the site with correct banking information. 
o Per Loancare, because of a timing issue, the autopayment never took, however : The site allowed me to set up automatic payments The site never stated or warned that although autopayments were successfully set up, they would not go through. 
I found out my mortgage was sent to foreclosure only when I contacted LoanCare on Monday, XX/XX/XXXX. The situation above was discussed and I was told I would hear back no later than Thursday, XX/XX/XXXX. I did not hear back. 

I have no problem paying the full amount owed immediately. My primary concern is that because of a website error, my XXXX credit has now been destroyed. I would need the credit delinquencies and/or any other issues removed and restored and if not, will unfortunately be required to hire an attorney and escalate legally both a ) resolving the mortgage payments and credit impacts and b ) how a confirmed website glitch caused financial and emotional hardships.

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 2022-04-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXXXXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: AL
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:
This account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet XXXX, Equifax and XXXX  continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at that!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: Torriere Holdings INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I received an email and phone call TODAY XX/XX/XXXX from a debt collector called Spire Recovery Solutions or SRS about something that was owed since XXXX that I had already had removed from my credit report due to identity theft. The number they called is a new number I received in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed these inquiries on XX/XX/XXXX due to identity theft/fraud that Im currently dealing with but the dispute results came back saying they will not remove it. I have made a police report and have an ongoing investigation and we actually know whos doing this to me because she put her cell phone number down for a capital one inquiry. 


My case # is XXXX with the XXXX Police Department XXXX XXXX I would like these inquires be removed from my credit report because it is identity theft/fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX Requested on XX/XX/XXXX and XX/XX/XXXX CAPITAL ONE BANK USA NA XXXX CAPITAL ONE XXXX XXXX VA XXXX Requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Requested On XX/XX/XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: NC
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:
According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELFREPORTED XXXX Balance : {$280.00} ; XXXX SELFREPORTED XXXX Balance : {$220.00} ; XXXX SELFREPORTED XXXX Balance : {$190.00} ; XXXX SELFREPORTED XXXX Balance : {$21.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2021-01-19
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 4. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XX/XX/XXXXon XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This past XXXX ( XXXX ), I closed my credit card account with Bank of America ( BOFA ). While on this call, I asked the customer service representative when I could expect to receive my {$100.00} security deposit back. They informed me that I would receive my deposit back within 30-90 days. 

I waited approximately 90 days, and called BOFA again on XX/XX/XXXX. On this call I asked about the status of my {$100.00} security deposit. I was informed that I should have received the {$100.00} by check in XXXX of XXXX. I confirmed with the customer service rep that the address on file was correct. I was informed that the check had never been cashed. I was then told I would be receiving a new check within 5-7 days. 

By XX/XX/XXXX, I had still not received a check. I called customer service hotline again, and received a different answer. Customer service said that I should have received the original check in XXXX, not XXXX. Again, it had not been cashed. I was then told that I would be receiving the {$100.00} deposit to my checking account within 5 days. 

It is now XX/XX/XXXX, and I have still not received my {$100.00} security deposit back. 

It is very difficult to get ahold of a customer service representative, yet alone a representative who I can inquire to about my {$100.00} credit card security deposit. There is not an option in the call menu for this situation, and their AI phone menu does not recognize any key terms related to security deposit. I also did not receive a follow up email from the last two calls I had, which was slightly concerning to me.

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 2021-01-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent out a round of letters to each credit reporting agency ( XXXX, XXXX  and Experian ) requesting that all collection accounts provide : The name and address of the original creditor, the account number, and the amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. I requested ALL information over 30 days ago an have not received any information from any credit reporting company to validate the debts.

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 2023-12-18
Company: Army and Air Force Exchange Service
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe the account is invalid. MILITARYSTAR needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be update from my credit & their records.MILITARYSTAR 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 2021-01-19
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 information incorrect

Complaint:
XXXX XXXX Balance : {$0.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX  XXXX  XXXX Balance : {$690.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX Balance : {$260.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 
XXXX XXXX XXXX XXXX Balance : {$4500.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX : {$100.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

XXXX XXXX XXXX : {$420.00} - There should not be any outstanding medical bills as ALL bills are covered under my workers ' compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees & HIPAA authorization or Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XX/XX/XXXXXXXX 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 explanation