BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
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:
As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. Equifax and XXXX are both reporting a collections account for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX, XXXX EQUIFAX MORTGAGE XXXX XXXX, XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXXXXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In the middle of XXXX ( XXXX ) my husband and I deposited two checks from XXXX from one of our XXXX to help with XXXX XXXX/few other expenadures. B of A put a hold on them and said wed get x amount in 3 days and then the difference something like 8 days later. It was around XXXX. Thats all fine and dandy, figured that was going to happen. However, on the day before we were set of get the first deposit, I tried to log into my account and couldnt on my XXXX. My card also got declined. Embarrassed, I tried to log into my app but it would it wouldnt let me either. After trying multiple times, resetting the password, and going to the ATM to withdraw money- I went into the bank for help. They pulled me aside and put me on the phone with the fraud department. The fraud department said they had closed our joint account as well as my personal checking. I was flabbergasted. They refused to tell me why and said it was at B Of As discretion and in our terms. Fast forward, were 86 days into this. B of A admits the checks had cleared from XXXX but theyre still processing the closure. They cant return our money until the account had been closed. We asked for a review three separate time, even asked for a hardship review. All denied. One of the supervisors let it slip a few days ago that B of A thought the checks were fraudulent. One of them suggested my husband go to XXXX and get proof ( out side of the fact that the checks cleared XXXX and they havent pulled them back yet ) XXXX said no, as XXXX cut the check and we werent customers. Called back B of A they now claim theyll call XXXX. We even offered to show them the emails from XXXX  verifying the amount, etc. They declined that. Weve been calling almost every day and B of A keeps pushing out the closure date, and telling us theyre entitled to reasonable amount of time to do so. It will be 3 months here in a few days. 
This has caused us a substantial amount of hardship.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: CT
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 am writing to dispute the negative items on my credit report. Specifically, I am disputing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these items are inaccurate and unfairly damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these items and request that they be removed from my credit report. 

I have never been 60 days late on my payments with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . In fact, I have always made my payments on time and have never missed a payment with any of these creditors. 

Furthermore, I have never had any dealings with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX. XXXX, XXXX. I have no knowledge of these accounts and believe they may be fraudulent or a result of identity theft. 

Regarding the charge-off account with XXXX XXXX, I have made several attempts to resolve this account with the original creditor but have not received any response. As per the FCRA, a charge-off account must be removed from my credit report after 7 years. The date of first delinquency on this account was more than 7 years ago, and therefore it should have been removed from my credit report. 

Additionally, I believe that the inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unauthorized. I did not authorize these inquiries and have no business dealings with these companies. 

In accordance with the FCRA, I request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2021-03-03
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: Information is missing that should be on the report

Complaint:
XXXX, XXXX  and Experian  removed my correct address at XXXX XXXX XXXX, XXXX, Ca XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX by mistake and I need the address, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXd placed back on my credit report. The correct and current address is XXXX XXXX XXXX, XXXX, Ca 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 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XXXX XXXX a avp at XXXX XXXX  in XXXX of XXXX Accessed my bank account, credit cards, and rent by using stolen accounts from people applying for mortgages at XXXX. I stopped working for the company back in XXXX and starting in XXXX he stole peoples information and use me and my information as a cover-up for fraud. He got into my bank accounts and credit cards, doing test deposits, making fraudulent charges and tried to make payments before I could find out. When it cleared he went to XXXX and XXXX XXXX to commit bigger fraud. I wasnt aware of the situation and I didnt know how bad it was until my bank accounts were frozen and credit cards canceled due to fraud. As the months went on I started getting updates from my credit report and banking institutions along with the police and feds About how deep the fraud went. I was cleared of all charges and capital one refuses to delete the 90 day negative payment history and charges off my credit due to they keep confirming its my credit card which I never denied. I have had this card since XXXX with outstanding report history. But the fraud charges that was committed on my card and payments fraudulently causing my cards to close I dont accept accountability for. I lost my {$300.00} deposit and want me to pay over {$800.00} suggesting that I make payments for fraud activity to stop the negative reporting then waiting for possible reimbursement is a scam due to they can take my money and never pay it back leaving me more in debt than the damage already caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Reporting a credit bureau after several attempts to change my personal and legal information. Equifax lied and send other falsified information to my house pretending they have made changes under my name. Which causes severe damage to my financial and personal information. Now, creditors, lenders, and Landlords soon banks might not be able to verify my personal information. Every other company but Equifax refuses to change the wrong name that they have on file. CFPB advised me that they sent all this information to Equifax yet still Equifax lied both to CFPB and myself the consumer that my personal information was an agent. I have received pushback. An Equifax agent placed me on 30min hold waiting on the supervisor due to pushbacks. Their own system has issues matching my mailing address with my social. I'm very scared that Equifax trying to still my information. Equifax is providing the wrong information to creditors and lenders. Creation defamation of Character puts me at very high risk for someone to still my identity. I have no control over what Equifax is providing. They have hidden my information on their website. Equifax is violating Creditors give reporting agencies inaccurate financial information about you. The investigation needs to be done on Equifax. I believe they are retaliating because of the data breach lawsuit and Now, they are over verifying, and bullying consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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: Reporting company used your report improperly

Complaint:
The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

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

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking 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 explanation
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I received emails from Bank of America stating that a new account has been opened and they were verifying my email address. I do not bank at Bank of America, nor did I open an account. I forwarded the emails to the email provided by Bank of America. 
On XX/XX/XXXX, I received an email that the bank account that was open was now closed. 
On XX/XX/XXXX, I received a check for {$450.00}, which was the leftover funds from the account. 
On XX/XX/XXXX, I talked to the fraud department at Bank of America. The representative stated the account was closed and they had marked it fraudulent.

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 2021-11-29
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I have reached out to Caine & Weiner several times requesting debt validation and have received no response and they continue to report inaccurate information on my report which is a violation of the XXXX  and violation of the Fair Debt collection practice. This company is violating my consumer rights and causing defamation of character making it difficult for me to purchase a home. XXXX and XXXX removed the account and it came back a few days later like a brand new account. Still no debt validation no contract or anything bearing my signature that I owe them anything. I have not done business or signed anything with Caine & Weiner. If I have done business with them why is it so hard to validate the debt that I have wrote several letters requesting this information. My claim continues to be ignored and this is a violation of my consumer rights if I owe the debt please show me validation of the alleged claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NY
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. 

When I recently called XXXX directly, they said they had no account under my name ENHANCED RECOVERY COMPANY , LLC says XXXX internet/cable bill was for the address at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX But I never lived at # XXXX, I lived at # XXXX, so obviously ENHANCED RECOVERY COMPANY , LLC is either charging me for someone elses account and they never sent me a notice to the right address. 

Account Information : ENHANCED RECOVERY COMPANY , LLC account : opened date : XXXX XXXX, Balance {$51.00}, This situation for me is stressful, it has affected my credit score. 
I want the remove acccount from all bureaus ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am having problems working with my mortgage company, Rushmore. At the beginning of the pandemic, I did receive my COVID forbearance for 3 months but after that period they haven't allowed me to continue with the COVID forbearance even though I have been contacting them continuously. 

The end of the three month period was in XXXX first and even we contacted them to continue with the COVID forbearance they did not continue with the plan. I am getting set tons of paperwork stating that I am behind in my mortgage and it is impossible to any proper documentation stating that it has been extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
EQUIFAX CREDIT BUREAU - My credit file information has not been updated since XXXX 2018. I didn't pay much attention to this when I would pull up on XXXX XXXX. I Thought because of the security breach etc. that it was just on sites like XXXX XXXX. 
Recently i went to apply for a mortgage, and the Equifax Report came back reporting outdated information from XXXX 2018 ; and had my overall credit card debt recorded at over {$4000.00} higher than what it was and compared to what XXXX and XXXX should of been. In addition they had a collections on there, that had been canceled. When I contacted the Company they stated they sent Equifax a letter back in XXXX to delete off my credit. 
I have reached out to Equifax on many occasions even by confirmed priority mail and my account is still not updated. I have called several times and each time i get an inept person telling me ; they can't verify my information and i'm not who i say i am. I have sent copies of my SS Card, Drivers ' License and all correct balances. 

I am so frustrated as this has affected my overall interest rate and mortgage application and they are taking their good old time with no Actions to correct and had. Equifax had not updated any of the information ; therefore making my overall monthly debt to income ratio look bad, as well as my overall score lower than what it update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Certain remarks were not properly verified or confirmed negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief