BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX I mailed my monthly payment to XXXX as I have always done for my student loan payment. I have always paid my student loans on-time every month with a 100 % on-time payment structure. On XXXX XXXX I receive a notification saying that my five of my accounts with XXXX are 90-140 days past do. I called XXXX and they stated that it was reported as a mistake. They show that I am a full-time student with loans in deferment mode. They showed that they are receiving a {$30.00} payment per month as well. Although, my payments are not required, I still make payments to maintain my good credit score. My score has dropped due to this mistake from a XXXX to XXXX. I have never had a low score and I am asking if someone will please correct this. I struggle to make a monthly payment to XXXX monthly and this is an insult. Thank you for allowing me to place this complaint as something needs to be done in reference to student loans being able to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts

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 2021-07-12
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had an account go so far negative with overdraft fees that I could not get it back in the positive. They left the account open after I requested that it be closed as to not incur further charges. I thought they did, apparently not. They had someone call me saying they tried to serve me in a county I haven't lived in for 7 months. He gave me the name of one XXXX XXXX at XXXX. I called this number and XXXX answered and informed me that I owe XXXX on an account that was only negative in 2016 for like XXXX. She stated that she was with some attorney 's office representing US Bank and they are going to garnished 25 % of my wages. After telling her that I didn't have a job/source of income, she hung up on 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 non-monetary relief
Consumer complaint received 2020-09-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I HAD 3 BANK ACCOUNTS WITH CITI BANK ( 1 CHECKING AND 2 SAVINGS ACCOUNTS ) FOR NO REASON AND WITH NO NOTICE THE BANK CHOSE TO CLOSE MY ACCOUNTS I WAS TOLD A CHECK FOR MY BALANCES IN ALL THREE ACCOUNTS WOULD BE ISSUED AND MAILED TO ME WITHIN 30 DAYS AND I HAVE RECEIVED NOTHING I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THE BANK IN REGARDS TO THIS ISSUE AND THEY REPEATEDLY DISCONNECT THE CALL WHEN I ASK FOR FURTHER INFORMATION THEY HAVE ALL MY MONEY I AM NOT ABLE TO PAY MY BILLS I JUST WANT MY BALANCE ISSUES TO ME AS PROMISED. THE TOTAL AMOUNT IS APPROXIMATELY {$14000.00} THEY ARE HOLDING OF MY MONEY I DO NOT HAVE SPECIFIC DETAILS BECAUSE THEY HAVE BLOCKED ME FROM VIEWING ANY INFORMATION ON MY ACCOUNTS

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 2021-07-12
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from Harris & Harris , LTD regarding a debt they claim I owe to XXXX XXXX XXXX XXXX XXXX. 

I paid XXXX XXXX XXXX XXXX XXXX in full and they still sent my account to collections. I have my paid in full email from them which I have attached to this complaint. I paid this medical bill off on XX/XX/2021. 

If this erroneous debt goes onto any of my credit reports I will have no choice but to pursue any legal remedy under the law. 

Please correct your records! This has been paid in full!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Credit account or consumer loan account showed up on my credit report from Bank of America. I asked them to look up this account and they showed no record of this account from my social security number. 

I have never had a Bank of America Credit Card nor took out a loan. 

I have contacted XXXX, XXXX and XXXX, answered questions and filled out forms but no resolution. The name on the account i my Ex-Wife. We have been divorced for years prior to this account showing up. 

Please help me remove this as it is having major adverse effects on my credit.

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 2018-11-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Term12 months I challenge the accuracy, compliance and reportability of this listing. 
... grave errorsfalse claims and reportingI want these late payments removed immediately or litigation may follow. This is unlawfulI was always on-time, you have made an error Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) (  A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section  611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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 belongs to someone else

Complaint:
Equifax is prohibiting me from accessing my credit report to submit a dispute. These accounts were removed and have been re-inserted on my credit report illegally : XXXX XXXX -- - # XXXX XXXX  XXXX XXXX -- - # XXXX XXXX XXXX -- - # XXXX XXXX/XXXX XXXX -- - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: SUNCOAST CREDIT UNION
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing the debt as reported by PORTFOLIO RECOVERY for {$5100.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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:
Bank of America is reporting a late on my credit file. This late is for XX/XX/21. I did not receive any notices, calls or letter about the delinquency and didnt know i was past due until the late hit my credit. I was unaware of an annual fee that had been charged to my account. I have had this account open for a long time and never missed a payment, my credit is perfect other than this late. I didnt know that fee was going to be charged and if i would of know it would have been taken care of. Please remove this late from my credit file.

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2018-10-19
Company: JPMORGAN CHASE & CO.
State: GA
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/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from chase on the XX/XX/XXXX and XX/XX/XXXX and also the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a complaint to Transunion thru the CFPB, that I am a victim of identity theft. 
Transunion responded that they verified fraudulent items. I would like to know how is it that a fraudulent account belonging to someone else can be verified, how and when

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 2021-07-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collection on my credit report with diversified consultants inc collections from florida. they obtained the account from XXXX XXXX in XX/XX/2017, and have been calling me all hours throughout day and night. or robo calls. 
also i asked for debt validation and everytime i only received a copy of billing statements which clearly are not mine. i told the collection company multiple times to delete and remove this account from my credit report which they have failed to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a debt in collections but I was not aware it would go to collects and in the state of Texas receivable performances does not a active surety bond. I have tried to dispute it but they were not able to do anything.

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 2020-06-30
Company: Experian Information Solutions Inc.
State: CO
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 would like to send a copy of a letter to remove a credit card with XXXX off my credit report. Please see attached the letter I received today from XXXX. So to XXXX  experian and XXXX  please remove this account from my records. 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted them about this account. I asked for any documentation with my signature. They said they would send me the information and I have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Between XX/XX/2018 and XXXX XXXX XXXX XXXX XXXX placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.

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 2018-11-23
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX, XXXX and Experian are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

XXXX  is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

Experian is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : XXXX, XXXX  and Experian. However, they have yet to MASK these items, from my Credit Reports. 

However, on XX/XX/XXXX after I disputed these inaccuracies with XXXX, XXXX  and Experian. XXXX and XXXX REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint. 

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint. 

I am requesting that ALL 3 Credit Reporting Agencies : XXXX, XXXX and Experian IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY XXXX XXXX  CREDIT CARD stated to me that they report to the credit bureau daily yet the CREDIT bureaus have no consistency in how they report balances it seems as if they report whenever they choose ... ..my balance with XXXX  in XXXX was XXXX but the bureaus reported it at least 3 times throughout the month ... reported XXXX dropped my score 50 plus pnts and then reported it at XXXX and it dropped more because it reported the usage as high ... ..MY BALANCE IS ONLY XXXX!!! and I want this corrected immediately and my account re-scored immediately!! 


XXXX XXXX CREDIT CARD ACCOUNT # XXXX $ XXXX they also continue to report inquiries that I have no knowledge of : XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

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 2018-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Friday XX/XX/18 at XXXX I responded to an ad advertising basketball tickets. The seller used these two phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. He said his name was XXXX XXXX and his email was XXXX.We agreed upon sending the payment via XXXX through my bank JP Morgan Chase. The first name on the receiving account was XXXX As soon as I sent the {$300.00} we had agreed upon for the tickets, he stopped responding to my calls and emails. I have submitted a claim with my bank and am trying to recover my lost money as no merchandise was every exchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2017 XXXX  suffered a security breach that leaked the data of 143 million Americans including myself, as a result of that several accounts have been opened in my name and placed on my credit file. I have hired a lawyer, and as of today I have filed the papers for civil suit and I will be bringing this information forth to a judge in my area.

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