BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have been continuously disputing this account multiple times. I have been reaching out to Credit Bureaus and Bank of America hoping that they would resolve this issue. The account I am disputing is Bank of America account number XXXX. The account continues to report as late in XX/XX/2020. Please know that this late payment happened during the National State of Emergency which I made the bank aware of. 

First, I am disputing this account because I thought I was able to fix this with Bank of America when I called them regarding my payment. This should not be reported as late in my credit report. I know that like any other bank, Bank of America has a protocol based on the Cares Act that you would let the payment pass for that month due to Pandemic. I need this late payment removed from my credit report immediately. 

Second, this account reflects 0 payment made each month since XXXX. This is an open current account so I dont know why the payments are not reported.

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 2020-10-26
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: Account information incorrect

Complaint:
Greetings, I have reached out to Experian on two separate occasions my first letter was dated XX/XX/XXXX and the second XX/XX/XXXX. I provided them with a copy of my government-issued ID and my official W2 which has my social security number on it. Furthermore, their refusal to investigate after two requests is a direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to fair and accurate reporting of my credit report. It is my understanding that under the law they have 30 days from the receipt of my letter to verify the items questioned. It has now been longer than 30 days. This constitutes the reason for the immediate deletion of all items disputed from my credit report which were provided to in both letters. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me that the items have been deleted. You may send an updated copy of my credit report to my address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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 2018-07-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I currently bank with Navy Federal Credit Union. I recently made a deposit of {$3500.00} that my brother loaned me. This check was to help me pay some bills that I am behind on. Navy Federal has frozen my accounts and locked me out of my account. Furthermore, they withdrew funds from my daughter 's account to back pay some of my bills without my consent or my daughter 's consent. When I called to speak to a representative, I felt they made threats to me about canceling my accounts and me not being able to bank with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 mailed in a copy my dispute letter to transunion on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility

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 2020-10-15
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
About XX/XX/2020, I opened a Charles Schwab Checking account using user name " XXXX ''. After a day, Charles Schwab closed my account. When I inquired about the reason, Schwab advised that they closed the account due to negative information contained in a XXXX  credit report allegedly obtained using my personal information, including my social security number. Schwab also advised me, via phone conversation, that my XXXX  credit score was XXXX. 

I contacted XXXX  and obtained my credit report on XX/XX/2020 and again on XX/XX/2020. During a conversation with a XXXX  supervisor on XX/XX/2020, the supervisor advised that no negative information was contained in the XXXX  report and he advised me that my score was XXXX. This score corresponds to the score I received on XX/XX/2020 from XXXX. 

Schwab advised me to reapply XXXX user name " XXXX '' ) in which I did. Schwab then on XX/XX/2020 closed this second account. 


I called schwab and explained to them that I had credit reports and a score from XXXX that contradicts what they claim XXXX  reported to them. I asked them to investigate and they refused stating that they were basing the decision on the report. When I advised them that their information is not what XXXX  has listed on my personal file they said they will not disclose any information to me other than the fact that they closed my account due to the XXXX  negative report. 

Schwab will not assist me further or investigate my claim that they are receiving erroneous information about me. I even offered to send them my report that XXXX  sent to me. I told them that my credit scores for the three major credit bureaus were all over XXXX and told them an error was made in the decision to close my Schwab accounts. They send I could reapply, but since I was denied twice, they doubted I would be approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Contacted Transunion numerous times from XX/XX/2020-XX/XX/2020. Filed multiple disputes and disputes are still not resolved. Identity was mistaken with someone else, credit was ruined.

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 2023-03-27
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: Account information incorrect

Complaint:
This account is paid in full the balance is {$0.00}. It should be reflecting on ALL XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 2019-08-19
Company: Ad Astra Recovery Services Inc
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I asked them to verify and validate accountXX/XX/XXXX and XX/XX/XXXX with Ad Astra Recovery Service. I've been disputing account since XX/XX/XXXX with XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have  identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been retained by XXXX XXXX to help resolve the foreclosure of her home. We submitted a full modification application on her behalf to Ocwen on XXXX XXXX, 2017. OnXX/XX/XXXX I called to find out why I had not received any acknowledgment of the file. I was informed by the representative that there was no open file, that the file had not been set up for review because the did not have any programs available. When I asked why not I was told that they did not know the answer. I wrote a letter to Ocwen escalations asking for an explanation. I was informed that on XX/XX/XXXX it was decided that the file did not qualify because they only have 2 mod options, one for loans less than 90 days delinquent and another for streamline mods and that she does not qualify for either. The loan is definitely more than 90 days delinquent so that I understand. I do not know how they know she does not qualify for a streamline if they did not review her file. I do not know the criteria for that program and they will not give it to me. I asked for an NPV evaluation and was told they do not have one because they did not review the file. Additionally, if the streamline program does not require a mod application submission I do not see how you can " Not qualify ''. To date, I have received no further explanation of the denial nor any options available to save the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: NC
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 HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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
Consumer complaint received 2020-12-09
Company: Consumer Adjustment Company Incorporated
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company CACI received a placement file from XXXX XXXX XXXX XXXX  for a past due membership fee. I cancelled in time which means the fee should not have been referred to collections. The date of placement was XX/XX/XXXX and CACI reported the item to the credit bureau on XX/XX/XXXX. CACI did not send me a validation letter or give me a chance to dispute the collection. I called the creditor and it does not connect to a live person. I emailed the creditor and they have failed to respond. I disputed the matter with CACI and instead of honoring my dispute they sent me a collection notice via email with the date as the date of our discussion. This company is illegal and is placing low balance debt directly to consumer credit report to force them to pay the debt. My credit has taken a big hit because of this. I am a college student and could not get approved for tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions 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:
I reviewed my report again after submitting multiple disputes without a response back and this account still remains on my credit report, These XXXX accounts are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dispute Timeline I noticed on my credit report a collections account from American Capital ENT claiming I owe {$1800.00}. This debt is not mine and they will not respond to my request to remove this fraudulent item from my credit report.

File Name : Dispute Letter 1 XXXX XX/XX/XXXX 1st Dispute letter mailed on XX/XX/2020, with no response. 

File Name : USPS Certified Mail Receipt Receipt for 1st Dispute Letter being sent.

File Name : USPS Tracking Date Letter Received XX/XX/XXXX 1st Letter received by American Capital on XX/XX/2020. 

File Name : Credit Report American Capital XXXX XX/XX/XXXX I downloaded my credit report dated XX/XX/2020, with no mention in the comment section account being disputed by the consumer. 

File Name : Credit Report American Capital XXXX XX/XX/XXXX I downloaded my credit report 46 days later from the date the letter was received by American Capital, with no mention in the comment section that this account is being disputed by the consumer. 

File Name : Dispute Letter 2 XXXX XX/XX/XXXX 2nd Dispute letter sent to American Capital with no response.

File Name : USPS Certified Mail Receipt XX/XX/XXXX - Receipt for 2nd Dispute Letter being sent. 

File Name : USPS Tracking Date Dispute Letter Received XX/XX/XXXX - 1st Letter received by American Capital on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Experian on XX/XX/19. Company received my disputes on XX/XX/19 as it shows according to the certified mail. It is now XX/XX/19and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: MA
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:
Opened a dispute with Experian and subsequently uploaded supporting documentation that I had autopay on a loan with XXXX XXXX. XXXX XXXX failed to withdraw the amount and reported me as being 30 days delinquent. I then paid off the loan and XXXX XXXX never corrected the issue that I was tagged as being 30 days late that month because of them. Experian agreed with XXXX XXXX and refuses to fix my report despite having proof that XXXX XXXX acknowledged autopay was in place. I have contacted XXXX XXXX to resolve this issue and they initially said just to open a dispute. Since XXXX continually reports their mistake as " accurate '', they provided an email address for assistance with the issue. Experian simply takes their word over evidence to the contrary. I opted to partake in the autopay program specifically to avoid such " we didn't receive your check in time '' claims.

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 2020-05-19
Company: FIRST HERITAGE CREDIT LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per review of my credit report recently, i happened on a discretion. It stated " Paid Collection '' but i never was a collection account. This account never went legal. And i paid it all the way out shortly after. So, the account should not appear as a " Paid Collection '' I would like this thoroughly looked into and not just pushed to the side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient is currently showing my loans as 30 days late, even though they are deferred by the Cares Act. The deferment from the act is automatic, so there is no reason they shouldn't correct and update this information on my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Experian on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2018-07-17
Company: First Data Corporation
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have tried to Cash checks and was denied at XXXX, XXXX XXXX They said that there is an issue with Telecheck. I owe nothing to them and have money in my checking account. I have the receipt from XXXX  showing that is what declined.

XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX  TN XXXX Check declined,

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 2020-10-26
Company: Knight Adjustment Bureau
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 information incorrect

Complaint:
XXXX XXXX and Knight Adjustment Bureau are double reporting on the same debt on my credit file. As per my understanding, it is a violation of the FCRA for 2 agencies to report on the same debt. This needs to be fixed immediately.

Company response to consumer: Closed with explanation