BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-29
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:
My correct address is deleted FCRA violation please see attached document FCRA VIOLATION. Correct right address is : XXXX XXXX  XXXX XXXX, TX XXXX and remove wrong address below or pay me {$1500.00} PER violation accordance to FCRA law. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX << -- - NOT Correct address. 
XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3800.00} written off. {$3800.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$3800.00} Date OpenedXXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$1500.00} Date OpenedXXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$430.00} written off. {$430.00} past due as of XX/XX/2020. 
Account TypeUtility Balance {$430.00} Date OpenedXXXX

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 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is currently with Bank Of America. I was notified that my homeowner 's insurance had lapsed and that Bank of America would put force placed insurance on the mortgage. I renewed my policy on XX/XX/2019 and I have sent Bank of America servicing the declaration page showing the effective date but Bank of America has not removed the force place insurance which is being billed to me at {$330.00} per month which is a Reg X violation regarding escrows. Forec placed insurance must be removed immediately upon being shown proof of homeowner 's insurance in force by the borrower. This has not been done

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 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I wrote Equifax on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: National Credit Adjusters, LLC
State: OH
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 THIIRD TIME disputing this account : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, NCA # XXXX. This account is fraudulent and I have no contract with this company. I do not recall doing business or applying for this account XXXX  XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, NCA # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Kohls Department Store charge card. I have tried several attempts to get Kohls to remove 2 late payments from my credit report under Humanitarian illness, which would rehabilitate my account. I sent in documents showing I was out of work do to XXXX. I XXXX XXXX XXXX and had extensive XXXX to put in a metal plate and screws. I work customer service, 8 hours a day 40 hours a week. I was off work for almost 4 months going through extensive rehab. I understand policies but Kohls under these conditions and by law should be able to remove and rehabilitate my account to remove delinquencies do to these reasons. I have never asked for them to do any of this before. I am feeling discriminated because of an I jury that prevented me to work. The only time since I had the account in XXXX, I was ever late was XX/XX/XXXX and XX/XX/XXXX, which were during the injury downtime. I ended up paying in full my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XX/XX/2013 30 days late payment XXXX XXXX XXXX Account # XXXX.The information is incorrect.I was never late.

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 2020-11-29
Company: Resurgent Capital Services L.P.
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:
Lvnv opened a collections account on my credit reports in the MIDDLE OF A PANDEMIC!!!. The only reason I know this is because I have credit monitoring account. ( XXXX dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Lvnv has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with Lvnv. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I 've been trying for years to have the PMI remove from my mortgage loan, and I keep getting the runaround from Nationstar ( Mr. Cooper ). 
They change the name because of their toxic company. 

A couple of times in the past before Nationstar got my mortgage XXXX XXXX XXXX had me complete 2 appraisals and even had me mail a payment of {$25000.00}, because they claimed I did n't have enough equity. 

Now with Nationstar I 've tried several times to get the PMI removed but it still the same issue just keep getting the runaround. 

Can the CFPB please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and I haven't received any investigation results.

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 2021-11-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On about XX/XX/20 there was a rental credit check pulled from XXXX XXXX and some how I got denied rental due to inaccurate information on my credit report of an civil judgement against me which is false inaccurate information this has been deleted from my file years ago due to there was no judgement against me I have never been evicted in the history of me renting please remove from my credit file this is on experians file so I called experian today XX/XX/20 to inquire and they stated that they don't see such file on there side there is no report filed that was a civil judgement against me so how is XXXX XXXX seeing this on my report if u look at all my disputes in the past this was one of them i disputed and it was removed and I have no judgements on my record from ither credit bureau why is this still showing up it needs to be removed immediately u will see in the photo its clearly from experians report and I have my proof that it was cleared as well if its needed its call XXXX XXXX XXXX case number XXXX XXXX XXXX XXXX XXXX in amount of XXXX $ i have my solid proof it was settled the same day it took 10 minutes in the hall way of the court this should not be on my credit report we never stepped foot in the courtroom for a judge to even bring a judgment against me so im baffled as to why its there

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 2019-10-24
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX Barclays Bank {$2800.00} XX/XX/XXXX XXXX XXXX  {$2000.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX Remove from all 3 credit reports

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 2023-01-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are on my report and they were not authorized by me. 
XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
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:
I have a chase Ink business credit card. 
Opened this account XX/XX/XXXX. 

When the pandemic hit, we went through hardship and my wife and I were on unemployment. We were receiving money from unemployment. This was used to survive during XXXX. 

So we could not pay as we would have wanted to. So Chase closed the account. I have had a long history with Chase bank and this is the first card that has been like this because of situations outside of my control. 

So because we could not pay, we deferred payment and had many late payments on my credit record. 

We sold our house for extra short term income in XXXX and paid a lump sum to the card through those proceeds on XX/XX/XXXX. 
I paid {$8100.00} on XX/XX/XXXX to the card. 

My wife and I have started our own businesses to try and make ends meet from the proceeds of our house sale. The reason there was a gap between when we sold and when we paid the card was because survival was our focus. 

I called XX/XX/XXXX to chase to see if there was anything that could be done to remove the late payments from my credit records but Chase said nothing could be done. In order for me to continue to do business and expand, I would need credit cards but because of this, I am not able to open or qualify for a business credit card. 

I have the funds to pay it off now but wanted help. what would be the amount i would need to pay if they accept so that they could remove all the late payments on my reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
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:
After looking at my credit report I found many accounts that are reporting inaccurate that aren't mine. These accounts are causing serious harm to my credit profile. On XX/XX/2020 I wrote Equifax about these inaccurate accounts reporting that aren't mine. THEY HAVE FAILED TO RELPY BACK WITHIN 30 DAYS. PLEASE DELETE THESE HARMFUL ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPT OF EDUCATION/XXXX : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-09-11
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: Account status incorrect

Complaint:
I have an open charge off on my report that has since run its term. The account is with XXXX XXXX XXXX. The amount is approx {$2200.00} and it was charged off on XX/XX/2013. It has run its time of 7 years and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.

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 2020-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi, The credit bureaus have been misreporting my accounts on credit reports. 

I have started to dispute the bad information in it and I demand that you send me a response within the next 30 days of the status of my disputes and that they also correct / erase all errors in my 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 2019-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
I received my VISA bill from Bank of America Due date was XX/XX/2019 I realized there is a late payment charges from previous month, because I always pay my bills prior to due date. 
I called customer service I told them that I never received any bills from you. I paid them my bill for previous and recent month by phone on XX/XX/2019 And bank refunded the late fee charges to my account. 
I received a cancellation letter from bank. I called several time. I could not get any reasonable answer from bank. 
I am retired XXXX financially I am doing very good, my house is paid off. 
I am very upset about their decision, that does not make sense to me. 
I do have other credit cart for past almost fourth Years that I never had any issues with any of them.

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 2020-08-03
Company: Sequium Asset Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset solutions claim I owe them {$350.00}. I dont owe them and never did business with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership ( XXXX XXXX XXXX  ) along with XXXX 's support team could not fix. With help from XXXX XXXX XXXX XXXX through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX ( which owns XXXX  ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made XXXX XXXX payment, but XXXX XXXX requested a check from XXXX financial because the account was placed in a protective status and I was not required to make XXXX XXXX payment. The car was returned on XX/XX/XXXX. Due to the car being defected, all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.

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 2022-08-05
Company: AMERICAN EXPRESS COMPANY
State: MS
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 company said my name was added as an authorized user and it was without my permission from Amex and its showing that the account balances is mines! They closed the account and it shows closed account but the account was never mines

Company response to consumer: Closed with non-monetary relief