BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 non-monetary relief
Consumer complaint received 2021-12-11
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:
These 3 agencies Experian, XXXX and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts 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 2022-11-02
Company: Experian Information Solutions 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:
This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$220.00}

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 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$30000.00} cashiers check online XX/XX/XXXX with Bank of America, which we have done numerous times. Money was shown in my account and I wrote checks against it. Then BofA on XX/XX/XXXX put a hold on the funds until XX/XX/XXXX at XXXX. BofA is arbitraging the funds deposited from a local credit union which is borderline criminal. We are BofA preferred customers and have never had a check put on hold. I went to the main BofA office in XXXX XXXXXXXX and was told to contact customer service and that would resolve the issue, it didn't.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-21
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: Account information incorrect

Complaint:
Hello., This is my 3rd attempt reaching out to the CFPB regarding the reporting of XXXX Account Number XXXX. XXXX deleted the account after conducting a proper investigation and the account was deemed to be non-verifiable/reporting inaccurate information. However, XXXX and Experian keeps stating that the account has been verified which Im confused by if all the credit bureaus are conducting the same investigation and reaching out to the same creditor. 

Ive took it a step further and decided to reach out to XXXX myself via certified mail to verify/validate the reporting of the account ( tracking information attached ). 

The letter was delivered on XX/XX/XXXX and I received a letter from XXXX stating that they would respond within 10 business from the date they received the letter ( XX/XX/XXXX ). Its been well over 10 business days and I have not heard anything back from XXXX. According to the FCRA this is a violation and Im requesting to have the account removed from my Experian and XXXX report immediately!! 

Also., It is my understanding that Under the FCRA 15 U.S.C .? S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The account is 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 explanation
Consumer complaint received 2021-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i've had auto-pay enabled on my Cash Rewards credit card from BoA, where I also have a checking and savings account. On XX/XX/2020 a late payment was reported on my credit report due to the failure of the auto-pay system. I did not notice this failure on time because previously it never had an issue. I am attaching the auto-pay logs. 
In XX/XX/2020 I called the local BoA branch and scheduled an appointment to address the issue. The customer representative explained to me that it is not a problem and the record will eventually be removed from my credit report. It has not happened yet, and the late payment is affecting my credit score.

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 2017-12-29
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a payday loan with XXXX on XXXX/XXXX/XXXX. I received an email stating the loan was finalized. I never received the funds so I called the company. They said the loan was denied and I would receive an email detailing the reason for the denial. I did receive the email and the reason for the denial was that I had another outstanding loan. I then called XXXX XXXX and was told that I have an outstanding loan with XXXX, even though the loan was never approved. No one at XXXX seems to be able to resolve this issue and no one has been able to assist me with having this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: EQUIFAX, 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:
XXXX XXXX XXXX. I do not owe this debt and I have made numerous attempts to have this addressed through company listing and each credit bureau reporting. This is also a violation of my HIPPA rights as they have provided medical information in which I did not provide them consent to hold or obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: Neighborhood Assistance Corporation of America ("NACA")
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with NACA for over ( XXXX current XXXX ) a year to acquire a mortgage loan. My mortgage counselor XXXX XXXX XXXX asked me if there was anyone I can add as a co-signer. When I told her I didnt want to add anyone else, she went through my income and saw my child support. My mortgage counselor XXXX XXXX, then began to continually ask me to put my XXXX XXXX on my mortgage application for income reasons. I qualify on my own as the sole borrower, and told her I was completely comfortable with the amount I qualified for and could afford with my income. I informed her multiple times that I am not comfortable reaching out to my XXXX XXXX, nor am I comfortable with having him on my mortgage. I informed her I wanted to be on my mortgage loan by myself. XXXX XXXX did not respect my feelings about the matter. She continually asked on multiple occasions to add him as a co signer, informing me that I would qualify for a much larger loan to get a bigger house by adding his income. She said she was trying to help me get a bigger house. I told her I could not afford to pay a larger mortgage on my own. I informed her I could only afford the amount I qualified for by myself. She still continued to push for me to add him fully aware that it would put me in a position to be struggling tremendously to make the mortgage payments that were out of my affordability. Also I have payed NACA multiple fees as well as monies to obtain a mortgage loan as well as to run my credit report. I did not receive one nor did I even come close to receiving one in the entire time I tried working with NACA.They advertise that they offer free mortgage loan assistance. This company has pulled my credit multiple times for no reason as well. Since I have reached out to her supervisor, she refuses to return my email or calls. My counselor has canceled multiple appointments without reason. This company is still taking money from my account and I am still unable to get in touch with my counselor. I have requested for a different mortgage counselor, and I have reached out to her supervisor in regards to this situation and have not received any response since reporting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  is reporting incorrectly to XXXX  ; XXXX  and Transunion a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) There was a flood and a claim had been filed for damages. I had insurance that covered the damages and the insurance company paid XXXX XXXX  directly. There is no balance due and owing. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-08-20
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was offered a price of {$65.00} ( including shipping ) for two swimsuits purchased from " XXXXXXXX XXXX XXXXXXXX, '' if I opened a credit card with them. The swimsuits were returned ; but the first statement arrived with a balance of {$75.00} -- not {$65.00} Several days and hours-per-call later, I have not been able to get the matter resolved -- different persons at Comenity give different nonsensical answers then transfer me to someone else to begin the cycle again. On XX/XX/23 after over 10-minute discussion with XXXX, he transfered me to the " dispute dept. '' where XXXX said he would close the account ( per my request ) but the late fees and interest charges would remain. On XX/XX/23 at about XXXXXXXX XXXX., I answered a call from " XXXX '' who demanded payment on a balance in excess of {$88.00}. She was told I would not be paying that outrageous disputed balance. Over the past two weeks I have received 5 or more calls DAILY from Comenity. I have sent a letter and email requesting they stop by they persist. The original balance was incorrect and getting a correction was impossible. They even continued with late fees and interest charges AFTER I told them to close the account. 

Now they have even placed negative reports on my credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
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 belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$1000.00}

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 2021-04-05
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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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 third time requesting your company to BLOCK the information on my credit file that I have identified as identity theft. The law requires any consumer reporting agency to block information in the file of a consumer that the consumer identifies as identity theft, no later than four days of the receipt of an identity theft report, identification of the information, a statement that the information is not related to any transaction completed by me and appropriate proof of identity. I have provided all of the above mentioned documents and your company is not complying with federal regulations. You are requested to BLOCK the information in my report within 4 days of this notice. My request to block is not being made in error, nor is my request to block made on the basis of material misrepresentation of fact by me relevant to my request to block. I have not received or obtained any services, goods, or money from the companies identified in my FTC report. I received a response from your company to my last request for you to block this information. Your company states that I previously asked you to DISPUTE this information that I have identified as identity theft. I AM NOT ASK YOU TO DISPUTE ANYTHING. I AM NOT ASKING FOR VERIFICATION, I AM REQUESTING A BLOCK OF INFORMATION THAT IS A RESULT OF IDENTITY THEFT. IF SOMEONE ASKED YOU TO DISPUTE ANYTHING IN THE PAST, IT WAS NOT ME. I AM REQUESTING A BLOCK OF THE INFORMATION PURSUANT TO 15 USC 1681c-2. I will be filing a complaint with the XXXX, Attorney General and seeking litigation if my request is not taken seriously. Please see attached supporting documents.

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 2022-09-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention 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

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 2021-12-11
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for Covid loan forbearance regarding my XXXX XXXX backed mortgage online from my account on XX/XX/21. OnXXXX I called to check the status and was told they don't have record of my online request. I asked to file the request again manually thru the rep and was told I will receive documentation within two weeks. Its XX/XX/21 two weeks of business days have passed and I have not received any documents. I have called several times waiting for the docs to come and I was told I was approved. The problem I have is I don't have written proof and when I log onto my mortgage account online it says nothing about being in forbearance. I have asked to receive docs via email but was told to wait on the mail. This is my mortgage not something I take lightly It should only take a week for the docs to reach me. I have been waiting for 2 weeks now and need to see something in writing regarding forbearance from loss mitigation. Email would be perfect and instant and they also have a document tab on the XXXX website that I should be able to view and download documents from. I have registered, requested forbearance, and logged into this site but Ameris loss mitigation is saying they don't see my request. I am requesting immediate written proof regarding my covid forbearance request and approval for with my XXXX XXXX backed Mortgage via email or download on XXXX website. This is something that should be available to me as per the federal government and Ameris has verbally told me I was approved from XX/XX/21 to XX/XX/21. Also when I log into my regular mortgage there is no mention of the loan being in Covid forbearance. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: MD
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:
For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply. 

I wrote to them on XX/XX/2022 and sent a follow-up correspondence XX/XX/2022 and another one XX/XX/2022 and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXXXXXX XXXX XXXX under 15 U.S.C 1681 section 602 A. 
according to this section my rights of privacy are recognized. 

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX XXXXXXXX XXXX never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX XXXX XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXXXXXX XXXX XXXX 


I NEED THIS ACCOUNT DELETED

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