BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.

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 2020-02-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a credit card from synchrony bank that was opened over a year ago. I have notified the company that I did not opened this credit card and that I never knew about this credit card until I started getting bill about past due balances. 

I live a single life and unfortunately I have had many girls I meet stay over at my house. I have had many different girlfriends stay at my previous home and one of them could have opened credit cards in my name without me being aware. I pay all my bills on time and take my credit seriously. However, in this situation, I did not incur this debt and need your help in helping me resolve this with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$400.00}, XXXX XXXX {$7300.00}, XXXX  XXXX {$190.00}, and XXXX XXXX XXXX {$200.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint specific to all three major bureaus- minor ones ALWAYS INACCURATE and unknown- this Experian who I am working on disputes with before trying to resolve with the others. Example- + email- Sign In to Your Account Sorry, we're unable to process your request right now. Please try again later.

Username forgot username Password forgot password  Remember my username next time

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 2017-11-16
Company: LD Holdings Group, LLC
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 is missing that should be on the report

Complaint:
I apply to refinance my home laon with this morgage company loandepot has a program called HARP. Harp program is for people that have mortgage problems or issues in 2007. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when loandepot person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because XXXX XXXX XXXX screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where  supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why XXXX XXXX XXXX was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Experian sent me an email notice about a derogatory report of a 90 day past due collection account by " XXXX XXXX XXXX '' in the amount of {$310.00}. 

I called them and was told they had no idea who I was and had no record of any kind in connection with my name or any other. 

This is a bogus claim from a company I never even heard of let alone did any business at all. 

Please have them remove this unfounded claim from my credit history and restore my FICO credit score. 

Thank you, 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
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In my credit report, show an account, it's not my, is Bank Of America, I don't have any credit card from them. 
The account for {$10.00}, I don't recognize this account.

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 2021-10-19
Company: Lendmark Financial Services
State: NM
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have paid a closed acct from Bank of America and its reported the XXXX  and XXXX XXXX XXXX but it comes up as fraud .. I would like it changed from fraud to abuse so I can continue banking. I dont need it removed I just need the reason changed

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 2020-04-28
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I never received a letter, email or phone call when they took over the debt back in XXXX, and it just showed up on my credit report in XXXX. They are charging me interest rates on a medical debt when the original debt collection agency ( XXXX  ) was not, and they say the interest charges will never stop if i don't pay. They refuse to take any type of settlement payment, and when i asked for a written statement disclosing the process of what happens ( he owes this much, on this payment and this is what happens after you pay, etc ) and he said no. They also told me that the derogatory mark in collections will stay there even after 7 years? ( I thought it wouldn't be considered a derogatory mark after i payed it ) He then oppressed me by saying he thinks i'm insecure because i'm asking them for confirmation they wont steal my money like so many other people claim have happened. This is completely unacceptable.

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 2021-10-19
Company: EQUIFAX, 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:
This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: SUNTRUST BANKS, INC.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past several months I have attempted to log into the online banking portal to pay my mortgage. Every time I log in there is an issue with the system that says my account is restricted due to too many login attempts. Each time I'm forced to contact SunTrust to have them fix the issue. I am only able to do this Monday - Friday during normal business hours when I am working. The issue is apparently a known issue with SunTrust that they state they are " working on '' however it is yet to be fixed. In order for me to pay my mortgage I have to call them, have them reset the online banking platform then login. This has happened for the last three months without any fix. It feels as if SunTrust does not want me to pay my mortgage since they are making it extremely difficult to submit a payment. This has been occurring ever since they combined their traditional online banking portal with their SunTrust Mortgage online banking portal.

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 2018-11-18
Company: Nationwide Debt Reduction Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice titled " Credit Settlement '' instructing me to pay {$510.00} a month to a company called Nationwide Debt Collection Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX for {$33000.00} in credit card debt. It claims to be a settlement of debt from various credit card companies. 
I believe this is totally bogus and I have no such debt so I do not plan to respond. I'm concerned that others might be taken in by this and ripped off so I am notifying you. 
The notice is XXXX Dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: ENCORE CAPITAL GROUP 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 recently noticed two OPEN collection accounts on three of my credit bureau reports stating that Midland Funding/Credit Management has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to yet alone two separate accounts with two different debt amounts. I was puzzled. OnXX/XX/XXXX I 've sent Midland Funding LLC two separate letters via certified mail regarding the two separate collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on onXX/XX/XXXX. On XX/XX/XXXX, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm even more puzzled. It is now XX/XX/XXXX and I still have yet to hear from them with my reply of this agreement I am asking for. On the 31st day, if they do not reply I will have to take the next step to excercise my rights. This is very damaging to my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: Credit Wise Recovery Solution LLC
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:
In my credit report, show an account, it's not my, is XXXX  XXXX XXXX, I don't have any credit card from them. 
The account for {$10.00}, I don't recognize this account.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Reference : XXXX We issued the captioned complaint against Chase who has engaged in a widespread practice to solicit credits cards, open credit card accounts, collect fees, then close the accounts without disclosing the reasons and keeping the fees. It is hard to understand why this is not a national level financial scam. I submitted one of  the many articles I found from around the country complaining about this. 

We issued the complaint. As far as we can tell, Chase did not respond meaningfully other than to say the account will remain closed and to not mention the fee. You responded by accepting Chase 's word without question and closing the complaint without discussing this with us. 

The fact remains that Chase has engaged in this financial scam on a national level and yet this agency has done nothing. As a minimum, Chase should : 1. Nationally announce it engaged in this deceptive practice.

2. Nationally announce it will no longer do so.

3. Unilaterally refund the fees to everyone it has collected from under this scam, plus interest and a 100 % inconvenience fee.

4. Pay triple damages to the US government to fund this consumer organization.

5. Not close this complaint until Chase has completed these requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Bank of America recently notified me of a breech of security at some unnamed merchant and they were issueing a new credit card and cancelling the old one.

This is a recurring problem with BOA.

When I called to find out which merchant i was refused the information.

I had to change pay accounts for 12 companies I had on auto pay and this was not the first time. 
Why are the consumers affected not entitled to know which company mishandled their information or had poor security?

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 2020-10-25
Company: MST Financial Services, L.L.C.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to the hospital on a work related incident, I XXXX and slipped off the ladder at work. I got sent to the hospital. Once i got to the hospital i got an ekg, because I have a XXXX XXXX I was told at the hospital the my insurances covered my Bill 's, which I had state and XXXX insurance. I didnt get a bill or anything from XXXX insurance which is XXXX or from state. I recently reinstated my insurance from the state a month before. One day out of the blue I get calls from random numbers saying I owe money for a debt 4 years ago. I had no idea what they were talking about and didnt ask for my name, address, or anything that would confirm my identity. I asked them what they were talking about and said I had a XXXX XXXX 4 years ago, went to the hospital and now owe XXXX plus. I was upset. The hospital said I was fine, and that there was no need to pay.

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 2021-10-19
Company: EQUIFAX, INC.
State: PA
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 personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions 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 credit card ending XXXX appeared as Fraudulent charges in amount of XXXX incurred and will absolutely NOT my responsibility for the account, i have reach out to the bank institution notify all the fraudulent activities. I have completely Paid in full all of my account to zero balance except for Fraudulent charges. Any charges arise out of fraudulent account will not be in my responsibility.

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 2017-11-18
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a vehicle on XX/XX/XXXX and requested to be financed through XXXX XXXX. Because they financed my previous vehicle that was totaled on XX/XX/XXXX. I have received multiple notices from financial institutions that were not authorized to access my credit 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
Consumer complaint received 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX I was notified of my bank account being shut down within the letter it says date of deposit XX/XX/XXXX {$5700.00} was deposited date available for that amount was XX/XX/XXXX it was a whole put on the check this is a check that I did not know about. And this was my business account that this happened to

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 2020-04-28
Company: Experian Information Solutions Inc.
State: NC
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 previously contacted XXXX  XXXX  XXXX  prior to disputing this negative account with Experian, they keep telling me my dispute results came back as being verified when I sent them a letter response from XXXX XXXX XXXX saying that they could not locate an account that Experian says that they verified that I had with 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
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: PA
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:
There is an fraudulent car loan on my credit report I sent the credit bureaus the information they needed from me & still no progress please help me with this matter

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