BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX, Equifax, XXXX, & XXXX each with separate letters describing all the information that is incorrect on each of my 3 individual credit reports. 

I sent the first set of letters over 70 days ago, to each of the bureaus, with no response. 

I sent a second set of letters over 31 days ago, again with no response. 

Showing in detail the Inquiries that are fraudulent, the accounts that do n't belong to me and addresses, phone # 's, and Names that are not mine. 

I also sent copies of my SS # My AZ state ID, and a current household bill showing my Address. 

Despite each of the Credit reporting agencies placing a " Fraud Alert '' on my account, without me asking. They have not removed all the incorrect information, and they have not provided and signatures showing I have an account or a contract with the Companies in question. 

I feel this is a serious abuse of my legal rights and I am hoping to find some resolve with this complaint here and now. The following are all the misreported information on my 3 Credit Reports. 

The following are miss-reported and or 100 % inaccurate Inquires Alleged by EQUIFAX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Names Alleged by XXXX ; XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Phone # s Alleged by XXXX ; ( XXXX ) XXXX, ( XXXX ) XXXX The following are miss-reported and or 100 % inaccurate Addresses Alleged by XXXX ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following are miss-reported and or 100 % inaccurate Accounts Alleged by XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: TN
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 trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are 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 explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 trying to buy a house and had my credit report pulled. I noticed several items on my credit that absolutely should not be there because they don't belong to me. I've never even heard of these companies before. Please delete these items as soon as possible. as they are causing me hardship, I've also taken the liberty to repoty this to the police where I live and the FTC. The items on my credit are 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 explanation
Consumer complaint received 2018-03-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On XX/XX/2018 I opened a Checking Acct. with Wells Fargo Bank for the Advertising by SAME a {$200.00} BONUS to be PAID after 60 DAYs, I HAVE IN MY POSSESSION a VALID CONTRACT for SAME and WELLs FARGO is REFUSING to HONOR the CONTRACT, FALSE ADD, SCAMMING the PUBLIC, SCREWING the CUSTOMER, now 6 Mos. LATER they ARE STILL REVIEWING and RENEGING their CONTRACT, RIP OFF, USERY ... ... ... ...

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 2019-05-07
Company: EQUIFAX, 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:
This is my thrid written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection. 
Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID and SS. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a federal consolidation loan. My wife and I went through a chapter XXXX bankruptcy. We made the student loan payments as part of our monthly amount dictated by the federal trustee. We made 60 consecutive payments. However these payments do not count towards our 120 payments for PSLF program according to Fedloan. This is absurd. 60 straight monthly payments, directed by a federal Court, should absolutely count towards the 120 necessary for the PSLF program. 

This is criminal that they do not count. Please help me get the credit for payments that I deserve. 

Current interpretation amounts to financial double jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report shows an open equity line of credit account with Bank of America. The account should have been closed over a year ago when Bank of America foreclosed on my home in XX/XX/2017. 

The circumstances were very unusual and did not make any sense. I only mention this because the misreporting on my credit report is just one more damaging mistake made by Bank of America in regards to my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: JPMORGAN CHASE & CO.
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:
Chase Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Good morning, There are a few unverified, unauthorized accounts listed and multiple inquires on my credit report, I have disputed with this account for over four months this particular account, they refuse to remove it, now I am coming to you all to help resolve this problem. What would be a fair resolution to this issue, I want this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic Recovery Solutions working on behalf of XXXX XXXX XXXX, XXXX sent a dunning letter on behalf of an original creditor, XXXX XXXX XXXX regarding a debt of {$770.00}. I do not owe this debt and know the company is violating my rights according to the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 

After completing research on the company, I learned the XXXX XXXX XXXX reported 670 closed Dynamic Recovery Solutions complaints over the previous three years, including 128 closed complaints over the previous 12 months. The XXXX  gave Dynamic Recovery Solutions a B rating. Additionally, XXXX listed 23 DRS complaints filed in federal court in the previous year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) listed 174 closed complaints for 2016. 

In the meantime, I will file with the XXXX XXXX XXXX and consult with an attorney regarding the issue with Dynamic Recovery Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, {$530.00}, I have contacted XXXX XXXX XXXX several times requesting proof of a debt for several years and I have been told it is my responsibility to prove I do not owe the debt. I have not had service with XXXX XXXX XXXX for over 10 years, however, the company is reporting service with them as early as XX/XX/XXXX. I have written a dispute to the credit bureau-XXXX-with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts 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 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from TransUnion. 2Nd XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. Therefore, the 2Nd XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion.. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX data breach and am therefore requiring TransUnion to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, a fraud alert was also placed on my XXXX credit file. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.

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 2017-11-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To : LOANCARE our mortgage servicing company. 
Since XXXX XXXX, XXXX you have increase our monthly mortgage payment from {$3600.00} to {$4400.00} by incorrectly calculating our property taxes. I have enclosed all the County contact information and documentation that would be required to correct this matter forthwidth. 
My wife and I have made serveral attempts to contact your Customer service department and have forwarded any information under ( Ticket # XXXXXXXXXXXX ) XXXX/XXXX/XXXX that you would need to correct this matter but yet you have continued to collected escrow monies beyond legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ) We are DUE are refund from our escrow account Under the legal limits of Federal Real Estate Settlement Procedures Act ( RESPA ). 

We are once again are needing to send additional information to your escrow deptment since we are not alllowed to speak to anyone in your escorw department. 
Below here are escrow calculations XXXXX Mortgage COMPANY who you aquired our mortgage Calculated our Escrow monthly payment of {$880.00} based on county property taxes for just the land of 2 annual tax payments of {$1600.00} and 2 annual supplemental property tax payments of {$2000.00} the last supplemental tax was due XXXX XXXX, XXXX in spite of the fact you had excess money in our Escrow account and To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Tax The supplemental tax payments were temporary until the XXXX XXXX tax year after which re-assesment of the land and home combined in a supplemental tax would no longer be required. 

We have in XXXX XXXX forwarded you our new County property tax Statement under ( Ticket #  XXXXXXXXX ) for your escrow department to correct your Escrow calculation errors. You have yet to adjust our monthy automatic checking account withdrawal. 

At the begininning of the tax year we requested that you pay our suppliment property taxes and you reluctantly did make a tax payment of {$2000.00} by XXXX XXXX, XXXX but told us that you would not make the last supplemental tax due XXXX XXXX, XXXX in spite of the fact to had excess money in Escrow account. To avoid a 10 % penalty + {$20.00} fine We have PAID on XXXX XXXX, XXXX our County Property Taxes We have attached our our County Property Tax receipt to show we have Paid our Taxes That you refused to pay. 

Escrow County property tax Calculations {$5100.00} Due XXXX XXXX + {$5100.00} Due XXXX XXXX, XXXX = {$10000.00} / 12 = {$850.00} {$850.00} * 2 = {$1300.00} {$5100.00} + {$1300.00} + XXXX = {$7300.00} maximum allowable escrow balance Current Escrow Account Balance : {$15000.00} If you have any questions about our past or current property taxes you have the information of our county tax collector including phone number and addresses.

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 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions 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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.

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 2019-03-28
Company: PNC Bank N.A.
State: NJ
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:
This is regarding an {$89.00} fee. The credit card I mention was closed in XXXX of XXXX. Yet, an automated transaction went through on the account XX/XX/XXXX. This means the bank and the bank card approved a transaction on a closed credit card account. There is still no available credit balance on the account. The account is still closed. The bank refuses to remove the charge. This is their mistake. When I called them about it they refused to do anything about the transaction because the company sent the merchandise. How can a credit card company let a transaction go through on a closed account, when the consumer is not expecting a charge to go through at all? 

In all of the years I've used credit cards, I've never seen a credit card company allow a charge on a closed account. 

This company is PNC Bank, and their PNC Cashbuilder card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-28
Company: Experian Information Solutions Inc.
State: AZ
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 have on multiple occasions reported to XXXX card that all charges on my credit card were fraudulent ( XXXX Credit Card ) I have always been told that it is being investigated but there has been no resolution. The fraud dates back over 6 months and XXXX will not complete and correct the account. I tried disputing with Experian and they advised that XXXX said the I formation was accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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: Information belongs to someone else

Complaint:
I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.

Company response to consumer: Closed with explanation