BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
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: Old information reappears or never goes away

Complaint:
I have 3 closed charge off accounts that are passed the Florida statute of limits for revolving accounts. I have disputed them with the 3 credit agencies in XX/XX/XXXX. These accounts started being reported again on my credit report in XXXX of XXXX. The accounts were all charged off in XX/XX/XXXX. I went through a divorce and lost my home. I have written the collectors and ask for these accounts to be removed and they are still reporting as of XX/XX/XXXX. I have been negatively impacted by Covid-19 and have had to self quarantine 2 times besides the national emergency shut down. I have lost pay. The 4th company is reporting the account as open when it was charged off on XX/XX/XXXX. They wrote me back still trying to collect and stating they would not report or sue me. But they have reported as of XXXX. the companies are : Bank of America XXXX. XXXX   XXXX XXXX TX, XXXX CO XX/XX/XXXX. 
XXXX XXXX XXXX. XXXX  XXXX XXXX OH, XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX NY, XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX SC 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 2022-10-06
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Can not get an accurate update as to the status of the refund that was requested as per the XXXX student debt relief plan. All information that has been given is that it is in progress and was initially going to be 4-6 weeks. The latest call ( XXXX ) has changed the estimated time to 65-70 days. 


XX/XX/XXXX - Initial refund request call XX/XX/XXXX - called for refund status update - in process XX/XX/XXXX - called for refund status update - in process XXXX - called for refund status update - in process XXXX - called for refund status update - no change, now XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i went to use my amazon XXXX  credit card thru chase and it went to the amazon XXXX  card instead ; i then called chase finding my balance to be {$8400.00}, my credit line is XXXX XXXX.at no time did they text, call, or e mail me to determine if these charges were authorized by me as discover and XXXX XXXX had, after their investigation they concluded the charges were made by me even though i received no product, or confirming e mail or signed for anything i reported this to yhe police, the internet crimes division etc the charges were billed in XXXX and i now find i must employ a attorney to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On multiple dates as follows : Date : XX/XX/2020 & XX/XX/2020 Company : Portfolio Recovery Debt amount : XXXX Date : XX/XX/2020 Company : Portfolio Recovery Debt amount : XXXX The companies mentioned above added derogatory marks on my credit report as per XXXX Upon further research, I discovered these accounts were transferred/sold and I ' am no longer responsible for said accounts. Debtor 's creditor did not verify these collections. 

Also there were NO written forms of communication, contract, or signature for the accused debit at all. A bill without a signature does not validate a debit and anybody can send a bill and say it is mines. According to the FCRA, Companies mentioned above has violated my rights as a consumer and I'm requesting legal action to remove these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: NBT BANCORP INC.
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Long story short.. NBT Bank partnering with XXXX XXXX and did not have a proper procedure to investigate or vetted a local solar company for licensing. They partnering with an UNLICENSED solar company name XXXX XXXX XXXX  XXXX XXXX and put me in over $ XXXX loan and the solar systems in INOPERATABLE but they want me to pay for the loan? I filed a complaint with State of Hawaii Department of Consumer Protection and they investigate that this XXXX company does not have license to install solar and also that company hire unlicensed contractors to install solar for both of my properties. Fast forward, the state investigator told me that I do not have to pay until the system is operational or at least pass and closed out the permits with the state. I email them multiple times but they only extending my loan and now they report it to my credit report that I did not pay. This causing a tremendous negative impact on me as I am in the middle of applying for a mortgage for my investment property. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is related to Experian Account Freeze.1. I do not know who and when someone put the account freeze on my SSN.2. I called them the whole day (10+ times) but only got automated system.3. then tried to get to website to unfreeze my account. No help, but at the end asked if  I can send many documents physically to their postal address (which will take many days to get my credit unfreeze)4. I called them again as i needed my credit freeze lifted today itself,  but again automated phone message they told me I can get the unfreeze online today itself and i need to goto website (circling )5. Issue is I can not talk to anyone in experian. I did not place the freeze, someone is playing with my credit and experian is taking too long to respond. there is no email contact and no phone where you can talk to any human person.Result: my niece was supposed to move to apartment and rental office was conducting a credit check. She could not get the rental and had to spent night in hotel.

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 2019-08-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hi,The person from XXXX came to fix the hard drive to us on XX/XX/2019. From the next day of his visit, my XXXX account was hacked by someone. Someone hacked our XXXX account and our identity and then started to use our accounts and made a XXXX XXXX, opened new checking and savings account. We filled a case with XXXX, Police station and added our account to https://www.identitytheft.gov/, Credit report and so on. We took all necessary actions and still, he's using accessing our credentials, I want to catch the person. But I don't know how to do. We have some information about him, I don't know how to track him. Please do the needful. XXXX XXXX Taken in my XXXX XXXX XXXX. Transferred to a savings account and transferred to his XXXX, then created he created new bank account on XXXX XXXX in my name and used this account for making a transaction. Also tried to open a account on XXXX with XXXX XXXX, it got rejected because id mismatch, he has used our old state id. later he changed our mailing address in USPS as per our old ID to use for further transactions, after changing the ID with a previous address he opened one new account with XXXX XXXX.We registered Identity Theft with XXXX on XX/XX/XXXX.But the recent transaction happened on after XX/XX/XXXX with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: DISCOVER BANK
State: MO
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:
My name is XXXX XXXX, and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. The DISCOVERBANK account is reporting late as reported in my 3 Credit Bureaus. Lets correct this now. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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 status incorrect

Complaint:
I settled my account with XXXX XXXX XXXX and would like for this information to be removed from my Equifax and XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I went to the car dealership and I had my credit ran more times than I agreed to. Here are the companies that I did not authorize the dealership to run my credit with XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : Dispute of Unauthorized Credit Inquiries- Violations of Fair Credit Reporting Act ( FCRA ) I am writing because XXXX, Experian, and XXXX did not remove unauthorized inquiries from my credit report, after I told them I did not give permission for my credit to be ran. I am requesting that these be deleted from my credit report immediately. 

These inquiries were made without proper authorization and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these inquiries were conducted without my consent, and I have not initiated any business or financial relationship with these companies to warrant such inquiries. 

These inquiries were made by the following companies : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XX/XX/2018 I sent my first dispute letter to TransUnion. In the letter I requested that they send me copies of the documents that they have on file verifying the accuracy of the accounts I listed. I have send a total of 4 letters and they refuse to send me proofs or delete the accounts.

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 2020-10-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. Effective XXXX, 2020, XXXX XXXX XXXX Mortgage sold/transferred my home loan to XXXX  XXXX XXXX. - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 

3. My XXXX  report reflects a good Fico score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to Equifax, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from Equifax. 

5.. After XXXX XXXX XXXX started reporting to XXXX, XXXX XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at XXXX  can explain to me why other than the XXXX XXXX XXXX Mortgage was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the XXXX  and Equifax credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2018-02-25
Company: Experian Information Solutions 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please reverse the late payments reported for this particular account:XXXX XXXX XXXX  The account was never past due, i never made a late payment to this company ever please change this , i have a good relationship with this company.

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 2020-10-28
Company: Experian Information Solutions 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 information incorrect

Complaint:
Why is the account XXXX XXXX XXXX  XXXX Missouri still reporting to my credit report when XXXX  XXXX told you to delete this account due to ID theft? I've attached the letter from XXXX XXXX below. Also attached is 2 forms of government ID. Delete this account immediately.

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 2019-08-15
Company: MIDCOUNTRY FINANCIAL CORP
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was entered into a loan with XXXX XXXX XXXX XXXX through Mid-country Bank back in XX/XX/XXXX. The account was paid up on time by automatic withdrawal ( which is required by their services in order to obtain the loan ) all the way up until XX/XX/XXXX. At this time I was almost done paying off the loan and was suggested to refinance the loan to borrow more when another issue aroused. When I did such the bank supposedly paid off the remainder of that loan with the new loan amount ( a roll up ). A few months later they kept calling me and sending me letters saying I still owed for the older loan and refused to delete that amount or remove it from my credit report. I was still paying on the new loan by automatic withdrawals until they kept adding interest did the prior loan at this time when my bank account was closed for fraudulent activity they closed out both my accounts and placed them on a charge account for two separate loans that are on my credit report as we speak. I feel that they have violated my military lending rights as well as predatory trying to collect a debt that was already included into a new debt. As a result of this Mid Country Bank is reporting to the credit reporting agencies that there are two outstanding debts ( charge offs ) on my credit report potentially affecting my financial records which could affect my job.

Company response to consumer: Closed with explanation