BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-06
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: Account information incorrect

Complaint:
I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

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 2018-07-06
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 information incorrect

Complaint:
I think it is time to get an attorney .I have not been late ever on my mortgage and only two times in 2018 in 20 years It is clearly printed on my monthly statement that I would like XXXX XXXX to pull on both the first and then second I execrate the issue and they listened to the tape and have refuse to remove I have to pay more than I can afford for an entire year due do bad business something must be done now and I have a contract to close on this rental and once I close I am afraid hey will never move and they have had a year to fix this problem-mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CL Holdings LLC
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX provided by TD Card services website is more difficult than an average website to make a payment. Due to the confusing set up of the website and several links I had navigate through I missed a payment when I thought I had submitted the payment. This issue caused the servicer TD Card Services to report to the credit agencies that I was 30 days late on a payment that was around {$30.00} or so. My credit limit, without notice, was then reduced from more than {$1500.00} to less than {$500.00} placing my credit utilization to over 90 %. Because of this my credit has been severely negatively affected. I called in, waited on hold for nearly 45mins and paid off the remainder of the balance once I found out and contacted the company to resolve the issue. I was then redirected to the website to fill out a form but because of the confusing layout of the website I have been unable to locate said form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Im trying to open account an and some banks are reporting inaccuracies to the banks an it not allowing me to open any accounts theses account wasnt fraudulent open I didnt open half of theses 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 2018-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX-XXXX-18 I paid {$30.00} to bank to stop payment on authorized payday loan. But on XXXX-XXXX-18 the bank paid {$200.00} to loan company anyway. The bank then refund {$200.00} back to my account. Waiting on that claim to come back the bank paid another {$120.00} + {$3.00} international transaction fee on XXXX-XXXX-18. I then went into bank to find out why paid again. Excuse given. Then Letter came in mail stating {$200.00} being returned to bank. I go into bank and official stated I needed to change bank acct number. I then asked ; if I could get my stop payment money back? Official said he could only give me back {$3.00} and it was added back into my 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 2022-08-06
Company: EQUIFAX, INC.
State: AR
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:
Ive sent Identity Theft letters to all 3 Credit Bureaus for the following accounts that are fraud and were not in any way formed/created nor operated in good faith or in accordance to my Person I.e Theft Identity Fraud : Credit Bureaus XXXX 2.Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
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: Investigation took more than 30 days

Complaint:
I am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified.
The issue was clarified in the XX/XX/XXXX amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP.
FCRA Section 605 : ( c ) Running of reporting period.
( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Late Payments - Seven years from the month in which the late payment was due. If there are multiple late 
payments in one account item, then they will each expire individually.
Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on thisaccount occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on the account until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.

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 2020-05-13
Company: FORD MOTOR CREDIT CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX CO, When looking at the contract the pay off was not applied to the loan company XXXX XXXX XXXX XXXX in the amount {$28000.00}. When I called about they claimed the check was sent XX/XX/2020 but the original loan does not have a record. When contacted XXXX XXXX they could not provide a check number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut XXXX XXXX down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full

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 2018-07-06
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a Discover Credit that was Fraudulently open in my name. I tried to resolve it directly with Discover but they would not remove it! I then disputed this account with XXXX, XXXX and XXXX. XXXX  and XXXX removed this account of my Credit Record with them but XXXX would not. I provided an Identity Theft Police Report and and an FTC Report to all 3 Credit Bureaus but only XXXX XXXX would not consider them. Please help me get this Fraudulent Account off my Record with all 3 Credit Bureaus, not just 2. I DON'T HAVE AN ACCOUNT NUMBER FOR THIS DISCOVER FRAUDULENT ACCOUNT. MY Social Security # is XXXX. You can provide Discover with my Social #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have banked with Chase for 30 years and received a letter from XXXX XXXX at Chase on XX/XX/2018 dated XX/XX/2018 stating that my loan servicing was moved to XXXX XXXX XXXX ( XXXX ) effective XX/XX/2018. I called XXXX at XXXX   on XX/XX/XXXX to make payment and XXXX said they did not have my account information and to call back next week. I don't want my mortggae payment to be late and I can't pay at Chase like normal and XXXX  does not have my information like XXXX XXXX at Chase said they would have it as of XX/XX/2018.

I called XXXX   again on XX/XX/2018 and they still don't have my information.

I called XXXX XXXX, Managing Director, at Chase ( XXXX, and I get put through to the XXXX  and they tell me that XXXX XXXX   will not call me back even though he signed the letter sent to me on XX/XX/2018. I spent an hour and 20 minutes on the phone with Chase employees in the XXXX  on XX/XX/2018 but they do nothing and just tell me to pay my mortgage late next week when XXXX  should have the information. No one will put me through to XXXX XXXX  Managing Director at Chase who sent me the letter explaining the change in serving. If they don't transfer the account properly it should go back to XXXX XXXX  at Chase. Why does he send me a letter than hides and refuses to come to the phone at the telephone he noted in his letter. XXXX XXXX Managing Director, Chase, XXXX. I attached a copy of the 6 page letter. Why are these executives at Chase such cowards hiding from their customers of 30 years.?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may n ever have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: EQUIFAX, INC.
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:
I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!

Company response to consumer: Closed with explanation