BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
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:
It appears that/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$410.00} XXXX  XXXX XXXX  XXXX Balance : {$10000.00}

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 explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I started a dispute with Equifax on XX/XX/XXXX regarding a collection account that has been reporting since XX/XX/XXXX. I was unaware of this debt and specifically asked for verification. However, on XX/XX/XXXX they responded with a letter saying the account was verified with no supporting documents. 

I then submitted another dispute on XX/XX/XXXX asking again for any documentation verifying the account. They again responded on XX/XX/XXXX with an automated letter saying the account was verified. Again, with no documentation verifying the account was mine. 

I continued my dispute and sent my 3rd letter asking for verification for this collection account in XXXX, following their response. I again received a letter on XX/XX/XXXX stating the collection account was verified without any supporting documents verifying the collection. 

I continued to pursue Equifax demanding verification of this collection account and sent another letter on XX/XX/XXXX. I received a response on XX/XX/XXXX with the same letter stating the account was verified with no supporting documentation. 

This collection account needs to be deleted and Equifax is not being fair and abiding the fair credit reporting act. 

I can and will provide documents of my letters and persistence. However, the website will not upload at this time for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Credit Bureau, Regarding the following account ( s ) : XXXX XXXX / XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, Equifax, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX of 2021 Phoenix Financial Services violated my rights and damaged my credit report by insinuating I owe them {$1100.00} without my permission or written consent. 
I attempted to dispute the items on multiple occasions, yet they verified the information was correct which continued to damage my credit report and score. 

According to 15 U.S. Code 1681 Section 602a 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CBC Companies, 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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I SRECEIVED A COPY OF MY INNOVIS REPORT AND NOTICED THAT THEY ARE REPORTING LATE PAYMENTS FOR XXXX XXXX AS WELL AS COLLECTIONS PLEASE SEE ATTACHED IS MY FTC REPORT WHICH WAS FRAUD AND THE LETTER FROM XXXX XXXX STATING THIS WAS SUPPOSED TO BE FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
citi Card places a 14 day arbitrary hold ( payment float ) on my credit line for purchases when I make an electronic payment on my balance prior to the due date. When I call they advise me because I am a " new customer and we do n't know you or trust you yet so we have to wait 14 days to verify the information from your bank XXXX, due to my payment pattern on auto pay '' * in broken English/XXXX. I made my last payment on XX/XX/XXXX the due date and the funds were transferred from my XXXX account on that date and cleared my bank on XX/XX/XXXX. I was provided a note that my balance was paid and no late fee and payment of {$6000.00} received, however when I went to use my citi visa non XX/XX/XXXX I it was declined I called citi and was told it was due to a 14 hold on my payment, which citi received on XX/XX/XXXX from wire transfer from my checking account XXXX.  Basically, citi is committing fraud by " floating '' my payment of {$6000.00} for 14 days and denying me credit for future purchases why I have made on time payments.

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 2017-12-25
Company: EQUIFAX, INC.
State: UT
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:
Equifax is reporting accounts that arent mine and i am asking for them to remove the accounts that i have listed below Public record Chpt XXXX Bankruptcy ( Not Mine ) 1. XXXX XXXX ( 2 ) accounts 2. XXXX XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX ( 2 ) Accounts 7. XXXX XXXX XXXX/XXXX ( 2 ) accounts 8. XXXX XXXX XXXX. 
9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX. 
12. XXXX XXXX XXXX 13.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Associated Credit Services, 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: Account information incorrect

Complaint:
ASSOC CRDIT ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. See the reporting inaccuracies below and how each bureau is reporting Date Opened : XXXX=XXXX XXXX=XX/XX/XXXX Last Reported : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX Date Last Active : XXXX=XX/XX/XXXX XXXX=XX/XX/XXXX See attached credit report for proof of inaccurate information that is  affecting my ability to obtain new credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My account with National Credit Adjusters was paid in full. ( See attached ). The loan was a payday loan from The XXXX XXXX XXXX {$1300.00}. It is showing closed and with a XXXX  balance from the attachment from XXXX XXXX that was reported by XXXX. It is still showing in collections from XXXX XXXX, XXXX, XXXX, and XXXX. I called the ( 3 ) credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections. I mailed the ( 3 ) credit bureaus the paid in full letter. I would like help of removing it from collections on all ( 3 ) credit reports. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the debts and received bills. This is not sufficient validation.

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 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I requested that a Personal Statement be added to my report. I submitted this previously but TransUnion Failed to even acknowledge my request. Please add this to my 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 2022-04-27
Company: DISCOVER BANK
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 status incorrect

Complaint:
Discover has violated my rights under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose They continue report late payments when its illegal to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Ocwen Financial Corporation
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX Ocwen Loan Service was paid $ XXXX XXXX by by XXXX XXXX XXXX ( ck # XXXX, They were instruceted to send to me, XXXX XXXX a letter of Release of Lien. When I went to remortgage the house in order to get ex-wife removed from mortgage, it was discovered that I had never received the release from ocwen Loan. 
I made tow phone calls to Ocwen customer service in XX/XX/XXXX to no avail. I have sent two letters to Ocwen, registered mail on XX/XX/XXXX and XX/XX/XXXX. Both were reeived and siggned for. They have not had the curtosy of even acknowledging that they received the request for ( A ) Release of Lien or ( B ) a copy of origial letter, if they sent one. I am informed that this is a viloation of both State and Federal Law ; I have no way of sending you the documentation electronically as I do not have a scanner. 
All I am looking for is some sort of documentation so that I can proceed to remortgage the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Global Lending Services LLC
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:
I sent a dispute through XXXX XXXX and XXXX to remove my auto loan Global Lending Service and even though its paid off they didnt remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: IL
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NJ
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:
My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.

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 2022-04-27
Company: EQUIFAX, INC.
State: NJ
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:
My credit report still contains items that supposed to not be there the federal laws states that if I sent you dispute to correct my file you must comply to. I am enclosing an Identity theft report and my ID because I'm a victim of Identity theft. These charges are not included in my report since I did not make them. I meet the standards for Blocking and Removal of the below information under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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:
In XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX XXXX XXXX in the sum of {$3500.00} in the file Equifax maintained under my social security number. 

I was informed by Equifax on XXXX XXXX that the item WAS deleted from my Equifax credit report. 

Now I have discovered XX/XX/XXXX that the item has been reinserted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-04-27
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: Information belongs to someone else

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: BARCLAYS BANK DELAWARE
State: CA
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:
My dispute is with Barclays Bank, XXXX XXXX. It concerns what I believe to be an erroneous payment for {$69.00} to XXXX internet services posted to my card by the Bank on my XX/XX/2020 statement. When I received my XXXX credit card statement, I recognized that the charge was an error and made multiple attempts to contact Barclays by phone. Unable to reach them because the company ( per their phone message ) wasn't taking any consumer calls. I then wrote them on their internet website, explaining why I believed the charge was an error and requesting they contact me by phone. The company has not contacted me in response to to my written online request. 

After writing Barclays, I entered a stop-payment order with my bank instructing them not to pay what I believed was an incorrect charge. However, when Barclays put the payment through a 2nd time in XXXX, the bank paid the charge together with penalties and interest fees. Barclays has still not attempted to contact me regarding this disputed charge I have never before dealt with a credit card company that was not accessible by phone to its cardholders. Such behavior is unacceptable by any reasonable standard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX0.00} / XX/XX/2021

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 2022-04-27
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX of the current year 2022, I submitted a request for a Business Line of Credit to MY bank Navy Federal Credit Union. After an extended review period, I was informed that in order to receive final approval the application required a standard letter of good standing with the state of Massachusetts because MY bank incorrectly characterized MY previously established business EIN as a Corporation rather than a sole proprietorship LLC. Regardless of the bank error, a letter of good standing was provided for Custom Care and Coach. Once received by the bank, all of MY accounts were closed and to date, MY sole proprietorship status ( although previously recognized for over ten years ) accounts are denied restoration regardless of any supporting documents supplied by either the XXXX of XXXX or the XXXX of Massachusetts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
in XX/XX/XXXX I paid to cardinals financial theamount of {$5500.00} due to payments missing. After that month I been paying the monthly payments. On XX/XX/XXXX I was notified that my loan again was in process for foreclouse. I contact their deparment and i was informed that my loan only was missing XX/XX/XXXXand XX/XX/XXXX payment. I contacted their law fim XXXX XXXX XXXX and they send me reinstament quote for the amount of {$9100.00} per their statement I am behing 666  payments which does not make sense. Their refuse to give me a history of payment starting from XX/XX/XXXX to now to see how and what payments are missing. I was told by this law firm that I have to pay this, but why if I dont own them this amount. the loan # XXXX with Cardinals fiancial ( XXXX ). their aw firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, GA XXXX Fax : XXXX XXXX XXXX

Company response to consumer: Closed with explanation