BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: EQUIFAX, 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:
As of today, XXXX  and Equifax are still reporting an fraudulent account and inquiries on my credit report, regardless of the fact that I sent in a police report, FTC REPORT as well as all supporting document to support my identity. Equifax has been giving me the run around stating that I need to supply multiple ftc reports with on " 5 '' items on each. much to my dismay, I did exactly as they asked and they are still reporting this fraudulent information. XXXX  keeps doing investigations and verifying this item as accurate. These companies are taking advantage of consumer by reporting this negative information during the worst time ever. I have included documents to support my complaint below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: NV
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XXXX, XXXX, and Experian are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs 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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : XXXX XXXX Date Opened : XX/XX/2005 Balance : {$0.00}

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Pending an ongoing investigation, Bank of America closed my Bank of America MasterCard that I have had in good standing since 1989! I was given NO notice regarding the closure of this account, and was told that the account would merely be 'frozen ' pending the investigation. The card had a CREDIT of {$19000.00} on it due to accidental overpayment on my part. The matter of my stolen funds by Bank of America bank employees is ongoing which I REPORTED, and once I reported the theft and fraud, my accounts were closed! I suspect the closures originated at the branch level by employees who stole my funds, which I reported in my original complaint. Automatic reporting has been done against me to the credit bureaus that is ruining my good credit that I will now have to resolve. This is an outrage and I require immediate assistance.

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 2018-07-19
Company: Experian Information Solutions Inc.
State: IN
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 XXXX XXXX XXXX account number : XXXX is being reported as being delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XXXX XXXX credit report, XXXX has the account listed twice, one with the delinquency and one in good standing ; which they all should be in good standing with no delinquencies. The account has been closed and paid in full. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX have removed the late status. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/XXXX, they had removed the account delinquencies and later put them back on my report driving my score down. XXXX and Experian only sent me a report stating that the accounts were verified. They did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the delinquencies be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NCC BUSINESS SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello! My identity was stolen from me and I noticed alot of fraud on my credit report. I have filed for Identity theft. Please help me by removing the accounts from my credit report. I have attached my Identification accompanied with my federal trade commission report. This is a serious matter as I can't move on with my life.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts have been opened in my name due to someone stealing my identity. Please remove them off my report. 
- 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 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 XXXX XXXX XXXX account number : XXXX is being reported as being delinquent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XXXX XXXX credit report, Transunion has the account listed twice, one with the delinquency and one in good standing ; which they all should be in good standing with no delinquencies. The account has been closed and paid in full. I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. XXXX have removed the late status. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/XXXX, they had removed the account delinquencies and later put them back on my report driving my score down. TransUnion and XXXX only sent me a report stating that the accounts were verified. They did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the delinquencies be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello my name is XXXX XXXX my birthday is XX/XX/1977 my ssn is XXXX my address is XXXX XXXX XXXX XXXX XXXX ca XXXX my phone number is XXXX Bank of America refusing to return my money that I received from edd Bank of America sent my card to the wrong address and the person was able to take all of my money out of my account it was over {$21.00} and I reported that I never received my card but Bank of America continued to let the person to make transactions after I reported my card stolen and I made police report and I still have not got my money back I am sick with XXXX and I have XXXX kids to support by myself and I really need my money to pay my bill 's I don't know what else to do I have done everything I was asked to do please if someone could help me I would really appreciate it thank you

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 2020-01-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There is a error on my Equifax credit report. This account is reporting because my information was stolen. I am stating I had nothing to do with this and if they verified my information on file that is because someone stole it and used it without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018 freedom mortgage asked me to remove verbiage on all three credits reporting agencies, after I was approved and in underwriting. The the result was my score dropping more than 50 points and they informed me that I would no longer be qualified at the locked in rate and I could not look elsewhere due to my score dropping. This seems predatory as I was locked in at the rate upon agreement. And they had me ruin my score as to get an unfavorable rate

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 2018-07-19
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter today from " XXXX XXXX '' saying that I owe a debt to them, through XXXX, of {$620.00}. 

That is frankly impossible, I currently have an active account with XXXX ( had it for years now ) which is auto-paid directly from my bank account every month. 
I also check online to make sure everything goes through, I have never missed a payment. They'd bill me before sending it to collections, I have never heard about any debt or seen anything on my ( again, *active* ) account about any outstanding debts. 

The debt mentioned in the letter from Convergent is obviously, and completely, false.

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 2022-10-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company multiples times, also XXXX XXXX sent out letters on my behalf at the beginning of the year and in XXXX with no response. There were multiple accounts that had been broken up into smaller amounts ranging from {$25.00}, {$75.00}, {$470.00}, {$260.00} and etc and the bureaus deleted for lack of verification It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX XXXX XXXX.The account was deleted from the credit bureaus again last month due to not being able to verify yet it was re-inserted on my reports without me being notified prior to the action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company has contacted me several times pertaining a debt I don't owe. I have notified them several times to cease and desist yet they still continue to contact me by mail and by cell phone. they are also reporting negating information to the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: JPMORGAN CHASE & CO.
State: TN
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:
I have one disputed charge first submitted in XX/XX/2018. Six months later, the issue has not been resolved. Fraudulent charge is still listed on my balance. Have requested escalation numerous times. Have been passed from dispute to fraud department in an endless loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: DISCOVER BANK
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Just a few weeks ago, Discover reviewed my Account, and my excellent credit and payment history, and increased my credit limit by {$300.00} to a total of {$2800.00}. I have a XXXX balance. On XX/XX/XXXX, I was told they had done another review, just a few weeks later, and found I had started a new unsecured loan, which was not true, and I had a new negative item, a medical bill. The medical bill was paid but the credit bureaus are slow to remove it. They ignored my excellent credit score and payment history, and the fact that they had given me an increase on my credit limit just a few weeks ago. This is the first time in 35 years of having credit cards that I have seen a company mis-treat their customers this way. They should be investigated. 







i

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank chose to close my credit card after 5 years of current payments, with no reason or advance notice in XX/XX/XXXX. 
At first it was told to me that I was not current on minimum payment. Untrue. 
XX/XX/XXXX Citi operator said it closed due to suspicious activity. 
I have yet to be temporarily credited or documents on dispute I addressed in XX/XX/XXXX by XXXX XXXX for {$560.00} in XX/XX/XXXX, unauthorized. They closed the account, issued new card w/ account, but denied me $ 0 % liability on unauthorized transactions. 

1. I am NOT paying the disputed amount plus interest on the XXXX XXXX charge. 
2. Explain why Citibank choose to close my account. 
IN WRITING OVER CFPB ONLINE AND TO MY MAILING ADDRESS. 

Regards

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 2018-07-19
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: Investigation took more than 30 days

Complaint:
XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has been reporting late payments on my 3 credit reports for 2 months now. 
The financed car with XXXX XXXX was involved in accident back on XXXX and XXXX XXXX found it total loss and paid off the car back on XXXX. But this company is ruining my credit history without valid reason.

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 2018-08-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy that does not belong to me. I have tried to dispute and remove the bankruptcy with all three of the credit bureaus. They have told me the information has been verified. I have PROOF that the Bankruptcy Courts have not verified anything, and that this lawfully should be removed.

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 2018-07-19
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company multiples times, also XXXX XXXX sent out letters on my behalf at the beginning of the year with no response so I sent my last and final validation letter on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail tracking. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and 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 2018-07-19
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dates on credit report are wrong. They do not provide a delinquency date which has re-aged the account. 
" Section 623 ( a ) ( 5 ) requires a creditor that reports a chargeoff to a CRA to notify the agency ( within 90 days of reporting the account ) of " the month and year of the commencement of the delinquency that immediately preceded '' the chargeoff. Section 605 ( a ) ( 4 ) provides that the credit bureau may report the chargeoff for seven years. Section 605 ( c ) ( 1 ) provides that seven year period begins 180 days from that date. '' There is no report last delinquency date. 
They have also changed the date of when the account was opened. I do not have an account with XXXX XXXX and I did not open an account with them in 2014. 

They are in violation, creditors and debt collectors are responsible for reporting information to the bureaus that will them update the 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