BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-28
Company: LEXISNEXIS
State: AR
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 Records : Bankruptcy Date Filed : XX/XX/2016 Reference Number : XXXX Type : UNKNOWN Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR
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:
CHEX SYSTEMS, XXXX, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.

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 2018-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX 2017, I paid off 2 Capital One credit cards ( last 4 digits, XXXX and XXXX ). In the meantime I had canceled my XXXX XXXX account, deleting all credit cards listed on this account. As time passed, my XXXX XXXX ( which had been canceled ), came up for " automatic renewal '' I assume XXXX searched my account the account ending in XXXX, I would hope ans assume, if not there's another issue. On XXXX I was billed for the renewal, I called both XXXX and Capital One dept 's. service and explained, After multiple attempts to close both of these cards, which have not been used since being paid off, I have continually been forced almost monthly to close both accounts. I just got off the phone with XXXX XXXX, i was instructed to contact XXXX, sorry, I'm finished with his issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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: Personal information incorrect

Complaint:
You are violating my rights you do not get to keep taking 60 days to investigate incorrectly 2-3 times in a year. You don't get to accuse me of using credit repair when I am not. The court clearly confirmed the info you have is inaccurate so there is no way you could have verified it as accurate.

I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.
Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

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 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Failing to address an issue of threatening behavior from one of their associates and the police report I had to file in XXXX, FL bank was a failing of the first closed investigation by cfpb.

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 2019-08-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Information about balances and on time payments is not being recorded correctly or consistently between XXXX, XXXX and Experian. All three say they only report what they are given. The Accounts say they give the same information to all agencies. The result is my credit reports and scores are not the same. This causes financial damage to me personally when I have paid my payments on 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 2019-08-25
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: Account information incorrect

Complaint:
Information about balances and on time payments is not being recorded correctly or consistently between XXXX, Equifax and XXXX. All three say they only report what they are given. The Accounts say they give the same information to all agencies. The result is my credit reports and scores are not the same. This causes financial damage to me personally when I have paid my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I pulled my credit report on XX/XX/2018 and noticed some collection accounts that I have never heard of before. The collection company in question NCC BUSINESS SERVICES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XX/XX/2018 via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: NCC Business Services, 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:
I called the company today to tried and get this fraudulent information removed they stated that the apartment complex never responded to the fraud request back in XX/XX/XXXX. I told the rep that as you are not able to verify this info to please remove it they told me they would not. I requested that the credit companies send over the police report filed. They have this information and are refusing to have the information removed from credit.I am at a crossroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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:
I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX  XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX  XXXX {$250.00} XXXX   XXXX {$100.00} XXXX  XXXX {$26.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: AFNI 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Experian Information Solutions Inc.
State: NJ
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 have disputed inaccurate items on my credit report dating back to XXXX. XXXX and Experian has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet XXXX and Experian has not deleted or mailed by results to me. XXXX  and Experian has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31
Company: Clarity Services
State: AR
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:
XXXX XXXX, CLARITY, XXXX ETC.. ARE SHARING NEGATIVE INFO AND PULLING EXCESSIVE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
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: Account information incorrect

Complaint:
I have had a fraud alert on my file for over 10 years and somehow creditors pull my file without my consent. I've contacted the creditors and asked that they remove these inquiries as they aren't factual request made by me. I've called the credit bureau on several times demanding removal as this violates the FCRA. The FCRA clearly states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order and the following inquiries DO NOT FIT ANY SCENARIO LISTED ABOVE. 

XXXX XXXXXXXX & - XX/XX/XXXX ; XX/XX/XXXXl XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX-XXXX XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXXXXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXXXXXX XXXX-XX/XX/XXXX XXXX=XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX=XX/XX/XXXX XXXX XXXX=XX/XX/XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
XXXX XXXX has reported to my XXXX credit report that I was over 30 days late on a car payment I was not late I filed a claim for lemon law for that car and XXXX bought the car back because of the problems with the car. The offer was made to buy the car back on XX/XX/2008 I turned the car into XXXX I have no idea why it took them past the 30 days to pay off the the car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: EQUIFAX, INC.
State: MD
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 filed an Identity Theft Report with The Federal Trade Commission in XX/XX/2017. Equifax has a copy of My Report and has since not helped me with fraudulent accounts such as XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX ). 

XXXX XXXX is allegedly a loan for Home Improvement. Ive never owned a house. 

XXXX XXXX XXXX has refused to talk to me after calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: Real Time Group, Inc.
State: MD
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 was attached to an old property address of XXXX XXXX XXXX, XXXX, DE XXXX. This property went into foreclosure in the year ofXX/XX/XXXX and  XXXX owned this loan. At the time of the foreclosure, my ex-husband, was responsible for this account which then was owned by XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged inXX/XX/XXXX. Since I was the co-signer on this account, it is showing still active on my credit report. I have spoken with the previous representatives of the owners of this account which led to them agreeing to remove this account from the delinquent status and list it as a " charge-off ''. I requested for a letter to be sent to me to verity when this was complete, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
J.P Morgan Chase has withdrawn and is currently holding money from 4 bank  accounts. On XX/XX/2020, all of the accounts were froze and then subsequently closed XX/XX/2020 without any written notice or explanation of this. ( Checking Account, Joint Checking, Savings account, and my adult daughters custodial account ) We have called many times and visited local branches, but there has been no clear explanation. 


We have called Chase customer service, who directed me to Chase Loss Prevention ( XXXX ) many times, with no resolution. Eventually, my case was given to the executive office and assigned a Tracking # XXXX assigned to XXXX XXXX XXXX XXXX. 

From the clues that I have evaluated from my Chase interactions, it started with a deposit from Virginia un-employment deposit on XX/XX/2020 in the amount of {$12000.00}. 

Chase will not give explanation in writing. I was told Chase wanted proof that I was the person the meant to receive the deposit. I sent them a letter from VA UI department that verifies my approval of benefit. Now they are asking for verified endorsement of funds from VA UI department. Unfortunately, I am unable to reach anyone in VA UI. This action from Chase has caused real hardship in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 inquires that I did not authorized nor do I have any accounts with these companies. Please remove from my credit report. I have contacted those companies and they have verfied I do not have any accounts opened. 

XXXX XXXX XXXX IN XX/XX/ XXXX XXXX XX/XX/ XX/XX/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 2018-10-31
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called back in XX/XX/XXXX and requested to have the PMI removed because the house had increased in value and paid for Broker Price Opinion which they reflected a lower value and I do not believe they did a good job which was related to Arvest ( my concerns via phone ). Later I told them that I had filed for BKXXXX and was one payment behind and would like to see if a modification was possible and they conveyed optimism to me that this would be possible. after I submitted all the information they came back stating that all alternatives were denied except a short sale or deed in lieu which is not an option because I am only behind one payment and need to keep my home. I also received a new BPO price that would allow the removal of the PMI so I am confused as to why they have not removed the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a copy of my credit report after being denied credit and found a collections account which I did not know existed. The account on the report is from XX/XX/XXXX for a balance of {$1000.00}. I have not received any information from them or the company collection is for : XXXX XXXX XXXX XXXX. I made a phone call to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XX/XX/XXXX requesting paperwork on the original debt because I believed that the debt may have been covered by Insurance. They both promised they would send paperwork on the visit and the debt but I never received anything, and the collections company is still calling to collect the debt. Also in about XXXX when I got the credit report I filed a dispute with experian, and they reconfirmed the debt. On XX/XX/XXXX I called the insurance company, XXXX and they said their records show all claims paid to XXXX XXXX XXXX, called back XX/XX/XXXX and was told they have no record of the debt. All I want to do is get the information on the visit, the billing to insurance and determine if I actually owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple requests to XXXX XXXX XXXX XXXX, XXXX, and TransUnion to correct an error on the reporting on my mortgage payments for the months of XX/XX/XXXX and XX/XX/XXXX. The months of XX/XX/XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XX/XX/XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to XXXX XXXX, they replied XX/XX/XXXX, that  the XX/XX/XXXX payment would not be corrected as it was more than 30 days late and the XX/XX/XXXX payment was not reported to any either XXXX or TransUnion as being late, that it was reported as an on-time payment. I contacted XXXX XXXX by telephone approximately XX/XX/XXXX and  submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my XXXX and TransUnion reports. XXXX XXXX stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. XXXX XXXX stated that I needed to submit the letter from XXXX XXXX to XXXX and TransUnion for correction on the reports. I submitted all documentation to both including documentation of the payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Both Experian and TransUnion will not correct the reporting of these two months. All Reponses state that both XXXX and TransUnion confirmed with XXXX XXXX that the payments were reported correctly. XXXX and TransUnion completely ignored the letter from XXXX XXXX stating there were not reported correctly. During the last dispute, Transunion changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.

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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In XX/XX/2016, my account with XXXX XXXX was closed for default. Rather than sending the account to collections, XXXX chose to forgive the debt and I was sent a 1099-C. As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, XXXX continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.

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