BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax put a credit lock and 3 year long fraud alert in my credit report and SSN. I had paid member services in XX/XX/2020 and no XXXX account showed cup on my file nor did I receive a phone call to request permission to remove the alert for XXXX. XXXX XXXX XXXX2020, exactly 2 months later Equifax inaccurately added a XXXX collection account on my report after all my accounts were paid off on my report, that shows this fraudulent was opened 2 months ago. This would mean that Equifax put it on my report knowing it was false information and reported false information for the lock, the fraud alerts, and membership alerts would have alerted me and the XXXX account is no where on file In their system. On top of this, they refused to allow me to report it after their error was discovered to protect the fraud and misconduct on their end. Equifax refused to allow me to report it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Last fall we completed our mortgage obligations to Bank of America ( hereafter referred to as BOA ). Prior to submitting our final payment, the XXXX XXXX XXXX Collector of Revenues office sent notice to BOA regarding the outstanding Real Estate Tax payment that was to be paid by BOA as part of our escrow. At no time did I or my wife receive a copy of the tax bill either from BOA or from XXXX XXXX XXXX. This was the case during the entire term of our mortgage arrangement with BOA. We fully believed that BOA paid our 2016 Real Estate Tax bill since we received no indication otherwise. 

We did receive an escrow resolution letter from BOA ( dated XXXX XXXX, 2016 ) that referenced payments in-and-out of our escrow account, but nowhere did this letter highlight the fact that BOA did NOT pay our tax bill. 

We also received a XXXX tax statement that contained no mention of our Real Estate Taxes. It does mention several other areas that showed BOA paid {$0.00} into certain categories, but again Real Estate Taxes are significantly absent from this document as well. 

The simple facts are that ( a ) BOA had THE ONLY notification of the payment due ( that was sent via email by XXXX XXXX XXXX on XXXX-2016 ; ( b ) BOA had escrow funds in our account ; ( c ) BOA did NOT pay the bill ; and ( d ) BOA did NOT inform us in any clear-cut way that this tax bill had not been paid. Based on the above listed items, we expect BOA to reimburse us for the {$630.00} in delinquent and interest fees that XXXX XXXX XXXX is charging us for not paying our 2016 taxes on time.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: DE
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 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 2022-04-09
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:
I called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still 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 non-monetary relief
Consumer complaint received 2018-04-08
Company: SYNCHRONY FINANCIAL
State: PA
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 had unauthorized hard inquiry on my credit report from the following company : Company : XXXX ( XXXX XXXX XXXX ) Date : XX/XX/2017 2017

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 2023-03-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2022 I purchased XXXX XXXX fold XXXX from XXXX inside a XXXX XXXX store located in XXXX XXXX XXXX California. Then I returned the item in XXXXXXXX XXXX2022 at XXXX XXXX, XXXX XXXX. 
Then I contacted through phone and let XXXX know that I returned the item. And sometimes in XXXX they ( XXXX ) confirm me that they have the item ( XXXX XXXX ). But in XXXX they send me the whole due bill for the smartphone. But actually I owe money to XXXX because I returned it. I have attached return receipt which I collected from XXXX XXXX store where I returned the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: CT
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:
this company keep reporting wrong information on my credit report and is affecting me. 
also is not taking the investigations seriously. 
see ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I attempted to open account with the Robinhood trading application. After providing all the necessary information including my copies of my drivers license and my bank account information, I waited for my application to be approved. On Monday XX/XX/XXXX my application was rejected because they said I had a duplicate account. I then went back and forth with them on the XXXX, providing more information on my identity and then again providing additional copies of my drivers license and last 4 of my social security number. At this point they told me that I already have an account under an email address that is not mine. This means that someone else has already signed up for the service using my social security number and information ( Im assuming they validated my drivers license with this other account as well ).

At this point Robinhood completely stopped responding to me. I have replied several times to the original support ticket as well as opened 2 other support tickets, but they will not respond. My assumption is that someone else is using their application with my identity and that the company is now blocking me. I am unsure what my rights are or how this can be addressed? Do I need to hire an attorney? What if my money is taken from me by Robinhood ( who now has all my information and is not addressing my case of identity theft )? Please help me contact Robinhood so that they can address my concerns and stop the identity theft that had taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed inaccurate information with Experian and they have not done a thorough investigation nor supplied me with the proper validation of the said debt and inaccuracies that are reporting on my credit profile. There are several accounts in which I have proven to be inaccurate. I have called and spoke with representatives who have disconnected my calls, transferred me to departments who could not assist, and sent multiple letters requesting a FAIR and just investigation and they are being non compliant.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have 4-5 erroneous accounts that were opened on all 3 credit reports ( same merchant ) different bureau. I have disputed this multiple times. Unfortunaetly the credit reporting agencies have not followed what I have asked to prove these accounts were mine or delete the items being reported. I have asked multiple times to do a manual investigation and NOT to use the E-Oscar and NOT to use ACDV or the Automated Dispute Resolution. When I tried to open a 2nd dispute online for one of them the system would not allow me to submit a 2nd dispute. I need to have these manually verified and see proof that these accounts were ever mine because I never opened these accounts and nobody so far has been able to provide me with any proof they were.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: VA
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 Information Services LLC and XXXX  XXXX XXXX continue to allow my credit report to reflect an credit card account from XXXX  XXXX XXXX. This account is fraud due to the fact it was established in 1994 and I was XXXX  at the time. I could not possible co-sign for a credit card at this time. I have attempted to dispute this issue as fraud with Equifax and XXXX  several times but the companies choose to just validate that the account is real. The companies need to conduct a fraud investigation and remove the credit card account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated as soon as possible. 
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 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 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 non-monetary relief
Consumer complaint received 2023-06-17
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:
This complaint is filed against XXXX, XXXX, and Equifax for improperly reporting incorrect and invalid information from a account called XXXX XXXX account number XXXX. Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint so all errors can be verified. XXXX errors or violations are as follows : XXXX. Both XXXX and Equifax are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. XXXX. On all three different credit reports, all XXXX reports a different date of last activity. XXXX reports XXXX. XXXX reports XXXX. Equifax reports XXXX. All differ and is impossible to verify all as correct. XXXX of last payment is also missing from all XXXX bureau reports. XXXX. XXXX reports on report under Dispute status that account is not disputed. Contrary on same report under XXXX 's Remarks it says account disputed. Both can't be correct. It's either or. XXXX. XXXX reports that account is disputed under XXXX 's Remarks. No disputed exist or are pending. Once dispute is over XXXX was obligated to remove all codes and remarks about disputes from report but failed to do so. XXXX. XXXX reports on its report under dispute status that account is not disputed. Contrary on same report under XXXX 's Remarks it says account is disputed. Both can't be correct. XXXX. XXXX also reports account disputed under XXXX 's Remarks. Once my dispute was final or concluded XXXX was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! XXXX. Equifax also reports that the account is disputed under XXXX 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. XXXX. Finally, on all three reports under late payment history both XXXX and XXXX show XXXX 90 days late. Contrary, Equifax shows 1 90 days late. Which is it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sometime in XX/XX/2018, I started receiving phone calls from XXXX XXXX , XXXX regarding a credit card from XXXX  XXXX XXXX that was in collections ( and also had a judgment against me ). In wanting to clean up my credit, I agreed to make a payment of {$2400.00} to settle the account. I received a letter stating the settlement agreement on XX/XX/2018. I made the payment. on XX/XX/2018 I received a letter stating the account was paid in full. 

in the process of applying for a loan, I was told the judgement was still on my record and was owned/initiated by another company. I contacted that company and was told the account was never settled and they didn't know who XXXX XXXX is. 

on XX/XX/2018 I contacted XXXX XXXX, XXXX and spoke to a XXXX XXXX, who was very rude to me. He first told me he didn't know what company they had purchased my account from, so then I ask for a verification of debt letter, for which he told me the account was closed, and then told me it would take 30 - 90 days to get a verification letter, and then told me I would have to speak to the woman who handled my account but she wasn't there that day. 

So now, not only do I still owe over {$4000.00} for the judgement account, I can not get information on from XXXX XXXX as to how they have the account and to get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
15 USC 1681a ( 2 ) a ( i ) 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end comsumer credit plan as late for and purpose.

15 USC 6802B Request for all late payments to be REMOVED on my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I recently purchase a XX/XX/XXXX XXXX XXXX XXXX XXXX from XXXX auto sales XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I received ZERO paperwork when I called them to get the paperwork, they refused to give me the paperwork. We havent received any disclosure. They ( dealer ) also told the finance company I put {$4500.00} dollars down when I only put {$3000.00} dollars down. Also after driving the vehicle for 8 days it will not crank up and I had a mechanic to look at it and the mechanic says it need injectors {$2500.00} in parts and labor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 and TransUnion XXXX XXXX continue to allow my credit report to reflect an credit card account from XXXX  XXXX XXXX. This account is fraud due to the fact it was established in 1994 and I was XXXX  at the time. I could not possible co-sign for a credit card at this time. I have attempted to dispute this issue as fraud with XXXX  and TransUnion several times but the companies choose to just validate that the account is real. The companies need to conduct a fraud investigation and remove the credit card account from 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 explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX : {$710.00}

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 non-monetary relief
Consumer complaint received 2020-11-08
Company: N26 Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my bank account was hacked. I got a notification on my phone of money being taken from my account. I didnt recognize the company so I immediately locked my account and requested a new debit card. The next day I got ahold of my bank account and they pretty much told me that I needed to contact the company that has my money and that they couldnt do anything for me. I didnt think that was my responsibility to contact the company that has my money. I still dont.

Company response to consumer: Closed with explanation