BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
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:
XXXX XXXX, Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: NY
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:
I sent in some dispute letters to the credit bureau about a collection dept thats on my report. Its been 30 days and I still havent received any information from the bureau.

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 2022-01-20
Company: EQUIFAX, INC.
State: NY
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:
I sent in some dispute letters to the credit bureau about a collection dept thats on my report. Its been 30 days and I still havent received any information from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the {$630.00} debt with CMRE, and they ended up putting another {$200.00} debt on the report. As I had anticipated after filing a dispute they admitted the {$200.00} debt was past the statute and removed it but didnt remove the {$600.00} debt.

CMRE is stating that the validation letter i had sent them as my dispute had incorrect account number, however, the account number was from my credit report, Attached is the screenshot of my XXXX credit report with correct account number.

CMRE is in violation of the FCRA and the California Credit Reporting Act, as they have failed to mark the account as disputed. This is my final warning as I will proceed to file suit for this and seeking damages, if CMRE does not remove the remaining account from the credit report.

Attached herewith : 2. SC-100 form

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Ive received my government benefits onto the American Express Serve Card & my  account was immediately closed due to to sec 15 ( d ) which Ive never violated. {$11000.00} is whats sitting in my account still after two weeks & theyre saying its no way I can receive my money which is total bs!! I have bills to pay & kids to feed & to me it seems heavy that American Express does what they want to do with peoples hard earned money. If this doesnt get resolved Im going to the news with it & then to the president.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I as of this last year having been banking with regions since I was XXXX roughly ( I am XXXX now ) as of this last year I have seen nothing but errors and miscalculations running through my account causing me to get charged in overdraft fees AT LEAST ONCE EVERY OTHER MONTH. I have proof of this miscalculation today with a paper from the company with my insertion of money because I was on my last XXXX dollars in the account of XXXX. Yet for 4 days it had told me I only had a mere XXXX left. My online statement says otherwise and changed stating I in fact had {$520.00} at that time ( so a sudden influx of money made no sense. THEN I run negative into my account today stating XXXX XXXX from all of these charges that should have ran days ago and they have recrunched the numbers accordingly they are either stealing money or purposely running different numbers so that I am forced to pay a penalty fee. Others say when I asked that it just takes a few days for certain charges to run through however that should not be the case either. ( However I tested this theory ) I would wait and numbers would strangely enough STILL change. I have noticed numbers being off consistently and Im either running negative or have more than I should and it feels like my account is nothing but a game of tag. And if that were truly the case of things of not going through immediately why is it that everytime I make a purchase through a day the numbers go lower ( as normal one day ) and the next day they are not the same numbers ( I have been trying for months to hold out with my account to prove something is wrong with this system but I it would seem this issue strikes at random. However all I am aware of is I have had this account for years and NOTHING has been a problem until the end of last year THEN it proceeds to get worse. I suggest this company be investigated. I have also noticed as of today that this bank already has A LAWSUIT for the same exact issue for someone elses company and I believe they are scamming people DOING THE EXACT SAME THING TO OTHERS TO PAY FOR THIS LAWSUIT. I would also like to add my account is supposed to be protected by overdraft however that is hard when doing online purchases ( as I have been informed over the phone ) it still should not run when trying to purchase something and I have noticed that if my card doesnt run then I dont have the funds ( including online purchases ) so if that is the case why do these purchases continue to run as well as change on my page telling me different numbers one day if I in fact didn't have the money at the time why would my card run in store? No one else could answer that either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$950.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE ARE XXXX FRAUDULENT ACCOUNTS ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This is a horrible place to get a car from I had go into a accident and they took over 2 months to fix it an it was only a bummer an when I got it back my head lights wasnt working then I told them something doesnt feel right they tell me Im not covered for that they only could fix whats in my insurance then after that they up my payments saying I was late then they kept calling me an one day I was at work they called me in the mix of that day they called me 5 more time I lost my job that day then they kept telling me idk what to tell u then 4 weeks later they came pick my car up at night when i was sleeping I would never tell no one to go there if I could sue I would an ik the person who did all this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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:
i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I ordered a secured credit card through Capital one. I never recieved it so I called and told them I never recieved my card. They asked for my information, including address which they said was correct. They cancelled that card and sent a new one. Again, it never came. After my third attempt ( a month later ) and them verifying my address, I found out they've been sending it to the wrong address. I cancelled my business with them and asked for a refund. They said I'll be receiving X amount of dollars in 7-10 days. I waited 12 days and it never came. They cancelled the check and issued a new one. I waited 15 days for the second check before I called. I called twice yesterday and they hung up on me twice. I feel like I've been dealing with a fake company and now I'm worried about all my information falling into the wrong hands and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Bank of America has issued a credit card in my name that shows up on my XXXX credit report : Account number XXXX Account type Credit card Date opened XX/XX/2022 I never applied for, nor have I ever had business with Bank of America. Bank of America refuses to close this card.

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 2021-05-06
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome mortgage has not applied my homestead exemption to my account. The mortgage company was also asked numerous times to remove the foot front door utility tax I am wrongly being charged for. These complaints have been ongoing since XX/XX/2021 and have not been rectified yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: PA
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/2020 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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 status incorrect

Complaint:
A delinquent debt with XXXX XXXX  XXXX that has been paid off since XX/XX/2020 and the credit bureau has not updated its records or deleted the debt per the agreement with the creditor. The creditor sent the discharge of debt over to them on XX/XX/2020 after the payment cleared and it has been 90 days and the credit bureau still has not done its due diligence and is not in direct violation of my rights under the FCRA & FDCA. I have contacted the bureau by phone, website and mail and they still refuse to update my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: Grant Mercantile Agency
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original complaint filed on CFPB under complaint number XXXX still not resolved. After weeks of back and forth with the company that failed to respond to the insurance company before applying this debt to my credit I have now resolved this matter on my own by being the middle person between the insurance and XXXX. The debt is paid and the item as stated by Grant Mercantile/Americare is to be removed as a courtesy. Being that this was out of my hands to begin with due to the company failure to do their due diligence I would like the removal taken care of ASAP.

Company has now been paid and nothing is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXO XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  A ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX ( Original 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 non-monetary relief
Consumer complaint received 2020-09-18
Company: Experian Information Solutions 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:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 90 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have tried for two weeks to get into my Experian credit service account. i have reset my password on their request more than 15 times and each time they tell me that i have a new password yet when i try to use it i still can not access my account. i have called them multible times with long wait time with no results. today XX/XX/12 i talked to three agent each of them sent me another person after telling me they could not help me. after 45 minutes i was told the next person would be with me some time after 15 minute. at that point i gave up. 
can u help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation