BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: Innovis
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
THESE COLLECTION RECOVERY COMPANIES ARE DISGUISING THEIR NAMES UNDER DIFFERENT NAMES TO CONTINUE TO POST COLLECTION AMOUNTS THAT WERE DELETED FROM MY CREDIT REPORT 7 YEARS AGO IN VIOLATION OF THE FAIR CREDIT REPORTING POLICIES. 

THESE DEBTS ARE FRAUDULENT AND WERE REMOVED FROM MY CREDIT REPORT FOR THAT PURPOSE, HOWEVER THESE AGGRESSIVE DEBT COLLECTORS CONTINUE TO HARASS ME ON A CONTINUAL BASIS. i AM NOW PREPARED TO FILE A LAWSUIT IN THIS MATTER, FOR HARASSMENT IF THIS CONTINUES. 

THIS DEBT ATTACHED ID FRAUDULENT AND NEEDS TO BE REMOVED 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 2023-03-28
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 status incorrect

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2020-11-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, 2020, I requested that my mortgage payment to Chase be suspended due to COVID-19. Subsequently, I requested that it be suspended for a total of six months of no payments. Chase had stated on its website that I would be able to resume payments with a choice of either paying the full amount of the forbearance or placing the forbearance at the end of my loan. 

Towards the end of XXXX, I logged onto my account via the Chase website and tried to state that I could resume payments and that I wanted the forbearance amout to be placed at the end of my loan. The website had some sort of " glitch '' and would not allow me to do this. I then called their automated number and made the request. I never received a written response. On XX/XX/XXXX I logged in again and noticed that Chase had an old XXXX XXXX for my contact information. I wrote a letter and sent it via XXXX XXXX to both the payment center in XXXX, Kentucky and to Customer Service in XXXX, Louisiana. I included my payment which was applied to my account on XX/XX/XXXX. 

My address was updated and I received a confirmation letter dated XX/XX/2020. I never recieved any other correspondence. Therefore, I wrote another letter on XX/XX/XXXX and sent it to the same addresses, via certified mail. I included my original letter and again, requested that my payments resume and that all forbearance payments be placed at the end of the loan. 

Approximately one week ago, I logged into their website and the " glitch '' was fixed, so I was able to state that I could resume payments and that I wanted my forbearance amount be placed at the end of the loan. 

Today, I logged into their website and there was a letter dated XX/XX/2020, for a " Trial Payment Plan ''. This letter was NOT there a week ago. Also, this letter is addressed to my XXXX XXXX , even though they claim to have updated my address. The letter states that I am now in a trial period to modify my loan. It has lowered my payment amount ( which is NOT what I want ) and it states that I must make the payments by the XXXX of the month for the next three months or I will no longer be eligible. It also states that my credit could be affected. 

I do not want any of this. I simply want to make my payment, as usual, and have the outstanding amounts be placed at the end, just like they promised.

I am now sending my payment via overnight delivery and sending a certified letter to Six Chase addresses, since they use so many different addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I open this bank account online to manage my finances because I got a new job being XXXX I have Got a new job so I needed a checking account however Citi bank closed my checking account and savings as well but theres one big major issue I cant access my funds and I cant get reach of anyone : ( I have my social security XXXX  funds and my own savings all in that one checking account, I cant pay my bills Im geting notices of repossession from XXXX and Citi bank is still allowing deposits to come through a closed account instead of doing the right thing and sending it back they also opened back the savings but my checking is closed this is nonsence

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 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
These people want to destroy taxes and banks My child support payments People think I'm the oregon person on 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 2020-10-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have two accounts with Synchrony Bank for a store called XXXX XXXX. One account has my husband as the primary and the other has me as the primary. We have been paying these cards down for over a year and on XX/XX/2020 I overpaid my husband 's account by {$440.00}. I realized this and called Synchrony Bank on XX/XX/XXXX. I asked them if they could move that money over to my primary account and they said no. They said we only refund through checks. I waited four weeks and no check came. During that time we did not have funds for my primary account to get paid and I received a letter saying my credit limit went down {$3000.00} and I was reported to the credit bureaus and received harassing phone calls daily. We are down one income and Synchrony bank purposely XXXX  me. I want my credit limit back up, the credit bureaus told it was their fault and made right. On XX/XX/XXXX when I called into synchrony about the overpayment, they said they would send out a check to be here within 7-15 days. I said ok. I counted on that check and because we didn't have the money in our account at that time, we were charged {$200.00} bank fees. On XX/XX/XXXX I believe it was I called synchrony bank back and told them I never received the check. I told her to overnight it to me as I needed the money and she said no, they don't do that. They will send out another check which I will receive in 7-15 days. They refused to overnight it again even though it was their error. Today is XX/XX/XXXX and I called again only to be told oops, they did mail it out, but not sure what happened. During these three months I have received every statement for each month without a problem, but no check. I am told constantly that it can't be their XXXX up and it must be the post office. I'm sorry, but everything else makes it to my mailbox so doubtful two checks just didn't get here. this is a multi-billion dollar company that uses offshore assistance to save even more money and they can not handle giving someone their money back? They XXXX me one way and now another. Their interest rates are already appalling. This is theft and fraudulent accounting to credit bureaus. Why do you let them get away with this? At this point I should be able to get a check overnighted or a transfer of funds back into my bank account since that is how they are paid. During covid they have no ability to do be honest, do their part as best they can and give grace to customers that they have made plenty off of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: TX
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:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: TX
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've recently reached out to XXXX, Equifax, and XXXX  in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
All three consumer reporting agencies are in violation of the FCRA laws as they have stated per their initial investigation into the accounts listed below that these accounts are valid. Per my investigation, confirmed by my credit report, all three consumer reporting agencies are reporting inaccurate information, even after stating they have validated these accounts. Either the furnisher to whom they are getting their information from is providing inaccurate information or the agencies themselves are knowingly reporting inaccurate information. I demand these accounts be deleted because there are being reported inaccurately and are in violation of the FCRA. 

DELETED the following accounts because of INACCURACY in the following categories : DATE OPENED - DATE LAST ACTIVE - DATE LAST PAYMENT - PAYMENT HISTORY - ACCOUNT STATUS - PAYMENT STATUS - BALANCE - HIGH CREDIT - CREDIT LIMIT XXXX XXXX XXXX Account number : XXXX ( In accurate payment history ) XXXX  XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX Account number : XXXX ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX XXXX XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX  ( Also reporting inaccurate balance on a closed account that shows differently on other credit reports- must be deleted ) XXXX  XXXX Account number : XXXX ( Payment history missing XX/XX/XXXX yet reporting still active as of months reported as collection ) XXXX  XXXX Account number : XXXX ( 3 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( 2 months of payment history missing prior to 30 days late report - also reporting active during a month account shows in collection ) XXXX  XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) XXXX  XXXX XXXX  XXXX Account number : XXXX ( Also reporting a inaccurate balance on a closed, written off account that shows differently on other credit reports- must delete ) All hard inquiries being reported by XXXX and XXXX must be deleted because they are reporting inaccurate 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 non-monetary relief
Consumer complaint received 2020-10-20
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is my complaint. The company is XXXX XXXX XXXX, a debt collections company. I owed a bill, which I was not even aware of until it showed up on my credit report. I paid the bill On XX/XX/2020. I was told that it would be reported to the credit bureaus within 30-45 days, and that it would also be removed. I have made several calls, spoke to several reps, and supervisors, which, I have names, dates, and times, and NONE OF THIS HAS BEEN DONE!!. I keep being told that they sent a letter in XXXX, however, I have checked my credit report bi-weekly, and it has not been reported at all. Please assist me in this matter, or give me some direction as to how to get them to do what they are suppose to do. Thank you in advance. The amount was for {$300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Spring Oaks Capital, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring Oaks Capital that bought an alleged account with XXXX Bank has put an account on my credit file that does not belong to me. I have never received a dunning notice or a letter stating that I owe this debt. According to the FDCPA a creditor must send a dunning letter and allow the consumer to respond within 30 days. On XX/XX/2021 I sent a debt validation letter and asked that they send me proof that the debt belongs to me. They received the certified letter as of XX/XX/2021. As of XX/XX/2021 they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts

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 2023-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-04
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-01
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX and Experian are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.

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 2021-02-12
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 belongs to someone else

Complaint:
I am extremely upset! I was looking at my credit yesterday morning and I saw an account that was not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My car just broke down and i cant even get a new car because of this problem! Please help me and investigate this outrageous problem.

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