BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, I check my credit through XXXX XXXX  website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX  directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am Attaching several documents for proof I was scammed by a fake/ fraud/ illegal online company that stole {$390.00} out of my Edd account. Your dispute resolution team In XXXX arizona failed to look at the documents in full. 
I am demanding my dispute be reopened and resolved in my favor. Im even attaching document proof that XXXX is NOT a real company. I contacted the address of the office building where this company is located and the building manager said there is no such company named XXXX here. You owe me my {$390.00} back for dispute number 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 2018-03-21
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: Account information incorrect

Complaint:
Multiple incorrect addresses on my report. 

Four addresses related to Post Office Boxes that have never belonged to me. 

Incorrect employment record : I did not work for either XXXX and XXXX or XXXX and XXXX in 2004 Finally, this is the only credit bureau that has seen fit to invade my privacy and report 7 phone numbers!! Most of these are not even mine and I want ALL OF THEM REMOVED!

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 2018-03-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started paying these loans back in XXXX. I wondered why I still owe almost {$2000.00}, when I only borrowed {$11000.00}. I pay $ 79 monthly. This loan was transferred to Naviet in XX/XX/XXXX. from XXXX XXXX with a {$10000.00}. balance, which I just found out by reading their web site. Interest rate is XXXX. I looked back some months it was high as {$25.00}. in interest and some months as low as {$6.00}. I really don't understand what they are doing, but extending my payments and stealing my money. I graduated college 21 years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: NY
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/2019, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX  with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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 2022-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I discovered {$630.00} of fraud charges on my credit card and contacted my credit card Fifth Third Bank. They closed that credit card and issued a new credit card. 

XX/XX/XXXX I received a letter from Fifth Third Bank Dispute Resolution XXXX XXXX XXXX XXXX, GA XXXX stating they have initiated an investigation and have requested information from the merchant and I would be notified when matter resolved. 

I was never contacted and called them at XXXX on XX/XX/XXXX, XX/XX/XXXX ( was told it would be corrected in 2 days ) called back in 2 days on XX/XX/XXXX not resolved. Told to call back in 3 days. Called on XXXX resolved and would not give me details of dispute. Called again on XX/XX/XXXX, XX/XX/XXXX. I can not get answers and informed Fifth Third they have exceeded the allowed 60 days. 

on XX/XX/XXXX, {$630.00} of fraud charges that were transferred to new credit card were credited then they put {$550.00} of the fraud charges on the old credit card. I called them and they stated they closed the previous case due to time restraints and opened a new case. WHAT-is that legal! I have read the Fair Credit Act law and it clearly stated they have 60 days to resolve. 

XX/XX/XXXX, I called them with no return call. it has been almost 90 days and no resolution and they have been very rude. Fifth Third customer service is horrible. 

Is this how they valued a 25 years+ customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I called Citi Cards customer service on two separate occasions ( on XX/XX/XXXX and XX/XX/XXXX ) to dispute and resolve the issue of why my 10 year credit history with their Citi XXXX Card was no longer being reported to XXXX, XXXX, and XXXX credit reporting agencies. My Citi XXXX Card was opened on XX/XX/XXXX. This issue has significantly effected my credit score in a negative way. Following my second conversation with Citi Cards customer service department, I faxed and mailed a dispute letter to the Citi Credit Bureau Dispute Team as instructed by the customer service representative. I also mailed and faxed a copy of two XXXX credit reports, and an XXXX credit report to prove that my Citi Card credit history was once reporting to XXXX, XXXX, and XXXX credit reporting agencies but it's not now.

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 2022-07-05
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: Information belongs to someone else

Complaint:
I have been disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: EQUIFAX, 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:
XXXX XXXX put the wrong date on a bill. If they put the right date insurance would cover it but they wouldnt fix it. Years later I tried to dispute it through equifax. They took less then 3 days to investigate it and decided it was correct. When I called to get details they refused to give it to me over the phone and refused to give me copies in the mail. I asked what they investigated and they said they made sure it was my account. Once I talked to a supervisor they said they had not checked they dates just to make sure it was mine. I asked them to read off the details of my dispute and it clearly stated the dispute was about the date. I then asked for a copy of what XXXX XXXX sent them and I was denied. They refused to reopen the investigation and refused to open another dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Bank of America XXXX  XXXX credit card account in XX/XX/2018 and in my 1st month charged well over the {$1000.00} required to qualify for the bonus miles offered. Later that month there was a return that reduced my credit charge balance. Viewing my account online, it still showed more than {$1000.00} charged. I called Bank of America to confirm that my total charged was still above the minimum required. Their representative confirmed it. 

My XXXX online transaction record also showed my total charges were over the {$1000.00} minimum, but I did not receive the bonus miles reward. Still within the period to qualify, I called the bank again to check their record so I could make another charge if needed. I spoke with the bank 's credit card agents on 7 different calls to confirm that Bank of America showed - even with that return charge - that I had met the minimum needed to qualify for the bonus. On each of the 7 calls I was assured that I had qualified. 

After 6 months of calling, getting repeated apologies and promises from agents and from their managers, I was very surprised to receive a letter stating I did NOT qualify for the bonus reward. According to the bank my charges during the bonus period were just under the required {$1000.00} minimum. For over 5 months I was told something they now claim is not true. 

If Bank of America 's agents had not misled me, I could have easily made another small charge to ensure that I would receive this valuable mileage bonus. The bank 's misinformation or negligence cost me a loss of bonus mileage equivalent to at least {$500.00} in airfare. 

From my experience with Bank of America, I can only assume that their agents and managers are either poorly trained or are encouraged to deliberately mislead consumers.

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 2018-03-20
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:
Re : XXXX XXXX XXXX apparent amount of XXXX re : account # XXXX ( from XXXX   credit report as obtained on XX/XX/XXXX Credit reporting Agencies : experian and XXXX Date Credit reports Ran XX/XX/XXXX ( experian ) andXX/XX/XXXX Called XXXX XXXX XXXX, no information given other than the account not belonging to me.

The {$15000.00} from XX/XX/XXXX does not belong to me ( new and just starting to build credit ). XX/XX/XXXX thru inaccurate reporting to experian and XXXX caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX   was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX I am currently trying to dispute transactions that were not made be me With Bank of America for XXXX that was stolen off my card I am looking to make a police report and get that information I need to make these disputes so I can Recieve my funds back I have been trying to open them back up over and over I was requested to report to start another investigaton I took {$600.00} off my card the rest was stolen I stayed on the phone with an operator while I got the {$600.00} off I was to revive another card Im the mail cause the funds were deposited on an old card With the Remainding Balance cars card the next following week the XXXX was gone off it and didnt spend not a dime of it XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX my contact 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 2019-11-18
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is in foreclosure. 
In XXXX of XXXX, SLS Mortgage was sent an offer for the purchase of my home, with an approved buyer who had the funds ready. An offer of {$340000.00} was made. The company said the offer was too low. They also advised the house was worth {$410000.00} after they had done an appraisal. An offer was made of {$390000.00} based on all the repairs that would be needed and the fact there is a halfway house across the street from the property. 

The buyer 's lender had the house appraised and came in with a value of {$390000.00}. 

At the end of XXXX, they said they would've accepted the offer of {$390.00} if we would close by XX/XX/XXXX. There were other appraisals that needed to be completed by the buyer 's lender so we were not ready until XX/XX/XXXX. 

SLS advised me that they would not approve the offer until I went to court and used my last adjournment. After I used my last adjournment, I received word from SLS today that they are going move forward with the foreclosure. 

I have been given a runaround and all sorts of misinformation every time I call them. They always say they didn't have the right paperwork or something ridiculous.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: TN
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 Account # XXXX, has violated my rights. 
15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USX 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2019-04-24
Company: Experian Information Solutions 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:
These accounts are fraudulent ( Original Creditor : XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX  XXXX XXXX  {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a negative entry on my credit report from Synchrony Bank. I have never received any letter from them saying I owed money. They provide no proof that it was my debt. The debt was sold to XXXX XXXX and that account is closed but the negative information that Synchrony Bank reported is affecting my credit and the only answer that I get from them is that they sold the account. I need them to remove the negative information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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 status incorrect

Complaint:
My business closed in 2017. XXXX Bank and I were negotiating payments, the amounts were charged off. Three years later XXXX Bank still files a late payment each month which is killing my credit score. I am not late on any account I have and I pay my bills on time. XXXX is preventing me from getting credit. Because it was charged off when you call they don't see the account and tell me they can't help. Frustrated!

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