BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Fairway Independent Mortgage Corporation
State: AZ
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX I reached out to the XXXX branch to resolve a matter involving an inquiry reported on my credit report I do not recognize. This inquiry has the date listed of XX/XX/XXXX. They did not provide the third party, XXXX XXXX, whom they sent it to, proof that I authorized this. This meaning in accordance with the FCRA they must have my signature authorizing the credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: CA
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:
As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my dying father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of XXXX when the account was closed inXX/XX/XXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XX/XX/XXXXXXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 I had a phone call with sprint about my phone bill account they sent me to ICS we spoke about an agreement of {$100.00}. a month and it wouldn't go on my credit report I made my first payment on XX/XX/XXXX it comes directly out of my bank account and they didn't take it out til XX/XX/2019 and I just made another one payment on XX/XX/2019 which made 2 payments I'm not the one in the wrong if they waited to take it out of my account so late then he is arguing with me telling me we made a different arrangement amount which isn't true I told him to listen to the recording he said he didn't have to and is telling me I can't keep sending {$100.00}. A month it has to be {$280.00} some dollars if we have to honor an agreement how is it they can change it and make problems for me when I'm trying to do the right thing..thank you if I am in the wrong then I'll fix it but I'm not and I'm making an obligation you pay it

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 2017-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX i deposited checks for my aunt because her id was ex she just came out of a homeless shelter in XXXX ny the XXXX XXXX paid a years rent the checks are made payable to her old landlord and her the landlord renigged on her place and left her and her XXXX children in the cold streets she was able to get a new place the bank released tge first three checks of XXXX they have been holding the other XXXX for the past tgree weeks human resource administration cleared the money for her but the bank refuses to let tge funds go this is federal money homeless act we gave the bank everything they asked for and still refuse to let the money go in order for XXXX XXXX case in ny to be closed she needs the money to pay her new landlord and send proof to hra in XXXX  please help us

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 2018-03-17
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to get a modification from Caliber Mortgage. I believe they intentionally stalled so that I could not get the modification. I gave them all of the information they asked for. They said they resended the foreclosure XX/XX/XXXX. And because I did not submit certain documents ( And I did ) they presumed the foreclosure. I was never notified about the XX/XX/XXXX foreclosure. They did not do things correctly. If you look on the previous complaint and their response you would see that they said they resended it in XXXX.Yet, they sent me a letter saying they did it in XX/XX/XXXX, and XX/XX/XXXX. ( All confusing ). I am very upset about all of this. They really never tried to help. If it was foreclosed in XX/XX/XXXX I should have been notified before XXXX. Please look in to this situation for me. My husband passed expectantly, they know about it and I believe they are taking advantage of me in my weakest, and during my time of bereavement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, 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:
I have sent numerous letters to the three credit reporting agencies and also the companies involved asking to remove inquiries. I keep getting the run around credit bureau says to contact customer who put the inquiry on, the company says they ca n't remove to contact the credit bureau. 

None of these inquiries have been marked as disputed on my credit report, I do believe these are supposed to be verified just like any other thing on my report that I dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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: Their investigation did not fix an error on your report

Complaint:
Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX and I just had my XXXX  XXXX almost 2 weeks ago. I and my girlfriend are ready to purchase our first home. There are so many inquiries, accounts, and student loans, collections listed on all of my credit reports. Please remove these fraudulent items from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: BB&T CORPORATION
State: DE
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 want the " late payment '' changed to " current '' on all credit bureaus. This is what happened : After speaking with a representative of XXXX XXXX, XXXX XXXX, on XX/XX/2018, she sent me the wrong payment contract ( see attached ). A week later, another representative called to inform me that XXXX XXXX sent the wrong contract. I reviewed, signed and sent back the corrected contract ; however, it was too late because XXXX XXXX had already reported to the credit bureaus that my accont was late ( XX/XX/2018 ). I was devastated as I worked very hard to bring my score up to XXXX over the past year and a half. 

I contacted the company to correct a " late payment '' to " current '' after having a conversation with VP of Center Manager, XXXX XXXX. He informed me that this issue would be corrected. It was corrected within the company ; but, not with the credit bureaus. It is reporting as " late payment '' on my credit report and caused by score to decline from XXXX to XXXX ( XXXX ) ; XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ). As you can see, this late payment has seriously harmed my credit score due to an error on their part. 

I sent a certified letter to XXXX XXXX explaining above and they still refuse to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: PENTAGON FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pentagon FCU XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax lied to me they took off my bankruptcy, but still on my report! Other credit bureaus deleted them! Plus Equifax compromise my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 first noticed an entry on my credit report that was furnished by a company named Midland Credit Management , INC . I then went ahead and contacted their company to further investigate this item on my credit report. I know first and foremost that no item can be put onto my credit report without permissible purpose and upon submitting a dispute with midland credit they have completely and utterly ignored me, the consumer. I sent my letter Via USPS Certified Mail and the tracking number is # XXXX and was left with an individual on XXXXXXXX XXXX. on XX/XX/2021. I still have not received a reply which puts them further than the 30-day period they have to investigate the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XX/XX/XXXX I OPENED A CHECKING. EVERYTHING WAS GOOD. 
ON THE XXXX THE XXXX I DEPOSITED A CHECK FOR {$1200.00} INTO MY WIFE 'S ACCOUNT. THE CHECK WAS RETURNED UNPAID, THE REASON IRREGULAR SIGNATURE.ON XX/XX/XXXX I MADE ANOTHER CHECK FOR MY BROTHER FOR {$430.00} CHECK WAS PAID. ON XX/XX/XXXX I DEPOSITED ANOTHER CHECK FOR {$1200.00} TO COVER FOR THE RETURNED CHECK. I ALSO VISITED THE WELLS FARGO BRUNCH TO MAKE SURE THE CHECK GETS PAY IF IT IS ANY PROBLEM TO PLEASE LET ME KNOW. THE VISITED TO THE WELLS FARGO BANK WAS A WASTED OF TIME. AGAIN THE CHECK FOR {$1200.00} WAS RETURNED UNPAID SOME REASON IRREGULAR SIGNATURE. THE TWO TIMES THAT THE CHECKS WARE RETURN BY WELLS FARGO BANK UNPAID CREATED A LOT CHARGES TO MY WIFE BANK ACCOUNT XXXX  XXXX  XXXX. {$200.00} I DON'T UNDERSTAND WHY WELLS FARGO BANK NEVER CONTACT ME ABOUT THE RETURNED CHECKS THEY HAVE MY E-MAIL MY CELL PHONE.

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 2018-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was given a credit card in my XXXX year of XXXX school when I was just XXXX  years old through bank of america. I was briefly told about the benefits of the card then given a card with a {$700.00} credit line. Over time I was not able to pay the bill on time because, of my not many work hours and being so focused on school. By the time I knew it a collection agency was calling me during class, at home asking for me to pay {$900.00} for my bank of america credit card & I was young I didn't know who they were or how they got my number. I called bank of america to figure out the situation but, I found out my checking & savings account was closed along with having a red flag through XXXX XXXX  because, of fraud. Which was another shock I couldn't / didn't know how to handle properly. They told me after countless days of asking what happened that someone tried to cash a check in my name through the mobile bank of america app. That I had no idea about & explained to them various times, they told me that it would be taken care of but never was. I called but was told I would have to call XXXX XXXX and talk to them which I tried but had no response. Ever since those actions were taken place my credit has been bad. I haven't been able to open a new credit card to fix it or even a new bank account within a national branch. I am now XXXX years old I am married and have a XXXX months old XXXX. I own a business and work along in multiple other business as well in the advertisement and music. I have grown and now I'm trying to go back to correct all the wrong doing that has been done in my name on my credit still affecting me till this day in my decisions moving forward in life. 

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 2019-05-09
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Dear sir or madam to whom it may concern. 
I filled for Chapter XXXX bankruptcy and received my court ordered discharge on XX/XX/2019 I have told NAVIENT many times to please stop harassing me and calling to collect. 
I filled for Chapter XXXX bankruptcy because I have no money to pay them, by law I am not to be contacted for debt collection for a period of 5 years to my understanding as told by my attorney. I have IRS tax debt also in part because of my Student Debt and I can not handle any more financial hardship. 

I can not get them to stop calling me every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CITIBANK, N.A.
State: MN
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: Problem with personal statement of dispute

Complaint:
Dear XXXX Im writing to file a complaint I have been disputing CITI BANK ACCOUNTS I have been disputing this account with you since XX/XX/XXXX XX/XX/XXXX I need to Know how is these 3 accounts reporting on my credit file per the FCRA 623 AND FDCPA B state that the creditor MUST MUIST enter a noticed of dispute. IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT I REPEAT CAN NOT REPORT ON THE CREDIT REPORT this has been since XX/XX/XXXX Please delete these THREE Accounts ASAP 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 2017-11-20
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: Account information incorrect

Complaint:
I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via XXXX. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting screwed. When will you do something about 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 2021-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
USAA closed my account in 2020 end of XXXX At the time of account closure done by USAA due to fraud happened to me, check with {$2000.00} and some changes is supposed to be mailed to my address on file. {$2000.00} includes military XXXX and social security XXXX. However, only {$43.00} check was received from USAA in early XXXX. I contacted thru phone in XXXX, but the response was unsatisfactory and stated that {$43.00} is all I would get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
Chase agreed to settle the balance which I paid on my account was current on XXXX 2015 they report charge off instead paid in settlement. 
law states account must be 180 days before charge off. On XXXX XXXX,2015 chase sent to collection agency XXXX XXXX Ref. XXXX to collect the debit but collecting agency closed the case on XXXX/XXXX/15 send back to chase they stated this account unlawfully charge off. Chase want it damage my good credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on Equifax. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.

Company response to consumer: Closed with non-monetary relief