BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: EQUIFAX, INC.
State: ID
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 filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
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:
In 2019 I was let go from my job while on maternity leave so there for bills got tight. I got in a program with chase which prevents my account from becoming delinquent. After advising of hardship I was put on payment plan and was told that my account would report past due. But after reviewing my credit report I discovered it was indeed reporting delinquent on my credit report for several months. 

I reached out to chase spoke to the credit reporting department and they acknowledged the issue that the representative set the payment plan due for a date after 30 days which it resulted in my account being reporting late every month which I was unaware of. 

This is an error by chase and not mines and should not was the consequences. These late payment hurts my credit score and chances of buying a home. I have showed exceptional payment through out my time with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited via mobile App image my paycheck in the amount of {$1500.00}. This paycheck is from an employer that I have been working for since XX/XX/XXXX. The bank has infomed me they have placed a hold on the depsited item for 10 days so that they may be able to verify the integrity of the deposit. 

I spoke with the bank, and subsequently escalated my concern to a suprevisor, where I was told there was nothing they could do to hasten the verification of the deposit.

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 2020-12-09
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from XXXX XXXX ( XXXX ) of a collections on my credit report from XXXX  ( Sequium Asset Solutions , LLC ). I am only aware of 2 accounts that I have had for the past few years : Auto Finance XXXX XXXX XXXX XXXX-closed ) and XXXX XXXX XXXX XXXX ( Open- Good standing ). I am not sure why they had this placed on my credit report. If, I did owe on this account why didnt someone get in contact with me via mail, phone or email before it went to collections. I have had issues with XXXX i the past and placed coplaints on XXXX ( complaint ID- XXXX ) and XXXX ( complaint ID- XXXX ). I am not sure if these are related to the issue at hand since its XXXX. I need some final resolution to this problem with XXXX completely and want this collections off my credit report. I will also be sending letters the Reporting Agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX MARKET STCHANNELVIEW, 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 2019-08-19
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A card was opened in my name in XX/XX/2014 -Discover financial services LLCIt was used regularly.I did not use this card. It was fraudulent.On the date it was opened, I was not in the country -I have provided my the confirmation of my flight leaving the US-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX  account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ... 

I need to find out who did they speak to? 
how was this information verified? 
who completed the investigation from the credit bureaus? 

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX serviced by LoanCare, is constantly late with their statements. The issue I have now is I made payment in late XX/XX/XXXX for payment due XX/XX/XXXX. Payment still not posted and I try to call to discuss. They are non-responsive. Can't get through to anyone. Have made +10 calls in the last 10 days. Online inquiries go unanswered. Now they are assessing fees. They say to call back in low volume hours but I call morning, afternoon, night, and weekends and no one answers and force you to limited choice online experience with NO option to speak with someone in customer service. What options do I have?

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 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, we made an additional payment of {$1200.00} towards the principal of our BOA mortgage. Due to a BOA system glitch, this amount was double posted and then incorrectly reversed twice, instead of once. Since then, Ive been calling BOA customer service numerous times and the wait was almost 2 hours each time and the need to repeatedly explain the same story. Some reps could easily understand the issue but some couldnt. However, they all needed to create case # to escalate this issue. We had received 4 cases # on the same issue because some of them were closed without any resolution. 

After 3 months of back and forth, this issue was still not revolved by XXXX when we refinanced our mortgage with another bank. In the past two months in XXXX, we even went to our local BOA branch seeking for the managers help. However, BOA mortgage department now claimed they couldnt do anything since our mortgage account has closed. BOA may consider {$1200.00} not a big amount for them, but its critical for me as a retiree especially during the current pandemic. The key issue Im fighting for is our customers right. We desperately need your help to resolve this for us. Thanks.

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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
SOMEONE STOLE MY ID AND SOCIAL AND LATER OPENED UP ACCOUNTS IN MY NAME.

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 2021-01-26
Company: MRS BPO, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted two different collection agencies XX/XX/XXXX and XX/XX/XXXX about the collection attempt for XXXX XXXX. Neither one has back down from Collection attempts after sending letters to the agency. XX/XX/XXXX contatcted XXXX XXXX Bankruptcy division and the rep was not knowledgeable about her job. The supervisor told her to not transfer her to me because she was getting off early.. 

The first letter was from XXXX XXXX XXXX XXXX MN dated XX/XX/XXXX. the second letter was from MRS Associates XXXX XXXX NJ Dated XX/XX/XXXX XXXX.forwarded from the very last address that we had service before we totally resolved our relationship with XXXX XXXX  XXXX XXXX  is not a reputable company very bad experince with hem and their collection agency. I am XXXX rs old. I do not work I get a very very small pension

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have talked to many customer service reps as well as managers concerning my payoff amount. My man concern was my interest rate each day being charged, the amount owed, also Ally financial pulled a hard inquiry in XX/XX/2017 withour my consent. Also, I am also one of the consumers that was victim of the discriminatory investigation which caused them to have a civil lawsuit suit. The consumer must be an XXXX XXXX, have low income, and over charged. I have requested documentations on numerous occasions and has been unsuccessful. They were very rude and refused me a few times to speak with a manager. There were several times they were not able to explain why the amount due was high.

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 2020-05-15
Company: ID Analytics, Inc.
State: IN
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:
XX/XX/XXXX. Went to buy truck. XXXX XXXXXXXX, said approved at XXXX XXXX XXXX XXXX an XXXX XXXX XXXX. Then received letter from XXXX XXXX saying I was denied. Said they used SageStream, where my credit went from XXXX at XXXX, to XXXX at SageStream. I am complaining about Sagestreams Reasons of key factors that adversely affected your credit score. They said I had limited history at address and phone, length of residence too short, and limited history at phone and too few active accounts. This is All false. I have 10 active personal account. I have lived at same residence with same since XXXX and same phone number over 20 years. Never been late on any payments in last 30 year. Who is SageStream? Are they legitimate? On their web site they want my drivers license, social security card and recent bill to even look at complaint. Tried to call wont call back. Also on paper from XXXX has wrong street address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SUBJECT : Complain against TransUnion-Consumer for abating reduction of credit score, reporting delinquency and negative remarks resulting Rejection of Auto Loan by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, and rejection of small credit by XX/XX/XXXXXXXX XXXX ( my own XX/XX/XXXX XXXX XXXX credit card ). 


Hello CFPB, Because of negligence by TransUnion-Consumer, both XXXX XXXX and XXXX XXXX XXXX XXXX, declined my New Vehicle Loan Application based on discriminatory facts. 
XXXX knew about the Fraud that took place and some minimal Debt that was direct result of Identity Theft. There is Fraud alert put by myself. However, XXXX XXXX XXXX XXXX discriminated me possibly assuming that i am a person who is prone to Fraud. 

In fact, all Credit Beaureaus ( including TransUnion-Consumer ) are aware of the fact that i was an Identity Theft victim and Fraud Alerts that i have put on my SSN in XX/XX/2020. 
With respect to the Fraud alert and 2 negative remarks on my credit, explanation that a small debt ( late fees and interest only ), were a direct result of Identity theft. These agencies ( including XXXX XXXX XXXX XXXX XXXX are aware about this. Copies of these documents have been submitted to CFPB and Credit Bureaus in XX/XX/2020 and XX/XX/2020. Also, copies of these documents shall be submitted to the Lenders who have declined me Credit because of XXXX 's negligence, including XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) In spite of full knowledge and documentation and proof that transactions were unauthorized, TransUnion-Consumer futher victimized the victim of identity theft ( myself ) discriminated me as a problematic person who is prone to identity theft? 
TransUnion-Consumer abaited the Auto Loan Dept. of companies such as XXXX XXXX services and XXXX who went on to reject my Loan based on negative remarks that XX/XX/XXXX reported to TransUnion-Consumer, in spite of full documentation and proof that i was in fact victim of identity theft and XX/XX/XXXX has acknowledged this by refunding all 33 transactions ( proof attached ) and acknowledged that the Debt ( late fees and interest ) were direct result of the Identity Theft, which is clear in consumer testimony to the Credit Beauraus including TransUnion-Consumer.

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 2021-02-23
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:
I submitted a certified letter to all three credit bureaus requesting how they verified a public record. There response was this section includes a public record items obtained from local, state and federal courts through a third party vender, XXXX. 

I contact XXXX XXXX and they could not verify and removed the public record. 

XXXX XXXX submitted 3 disputes 3 times to the credit bureaus they never responded. 

I also contact the XXXX Tennessee Bankruptcy Court and received a letter from them that they also do not verify. 

so, how can the bureaus verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * XXXX XXXX XXXX TXXXXX * XXXX XXXX XXXX, TXXXXX * XXXX XXXX XXXX, TXXXXX  * XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Amount past due {$1000.00} XXXX XXXX XXXX $ XXXX REPORTED * 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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ftc violations wrong addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX accounts : not mine XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX   Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment {$590.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment XX/XX/XXXX Creditor Name XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$2300.00} Term Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Creditor Name XXXX XXXX XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$700.00} Term -- XXXX XXXX XXXX  Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date -- Limit {$400.00} Term -- Monthly Payment -- XX/XX/XXXX Creditor Name XXXX Account Type Unsecured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 12 Months Monthly Payment {$0.00} Responsibility Individual Accoun XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX TX Status Open Opened Date XX/XX/XXXX Closed Date

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 2018-12-04
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is incredible ... I'm a consumer of the worst bank in Puerto Rico and the worst mobile company too.

Look at this. A twice charge of what? In the same day.

Why this people is working ... if that's what can it be call. XXXX XXXX!  AND I TRIED TO REACH THEM BUT THEY NEVER, NEVER FIND MY 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 2022-02-01
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:
I want to validate both of these debts listed in the letter I have the right to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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:
I sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm highly upset and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it.

Company response to consumer: Closed with explanation