BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: EQUIFAX, 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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied XXXX  XXXX  XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$150.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-07-24
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: Old information reappears or never goes away

Complaint:
NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX

ADDRESSES: need old addresses removed: XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  
EMPLOYER:  Remove XXXX XXXXXXXX XXXX  and add Current Employer: XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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: Information belongs to someone else

Complaint:
I spoke with Experian on XX/XX/2020, XXXX a representative. She stated that they received my police report, and that a department that does an investigation deemed the report invalid. Please advise how the a credit bureau organization will deem a report invalid. As a victim of fraud how are we suppose to protect ourselves if the credit bureaus will not follow the guidelines.

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 2019-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America has tacked on all kinds of fees related to a payoff amount including a $XXXX property inspection. After taking over from XXXX Bank of America Illegally modified our mortgage to include huge late fees and have the worse online payment scam I have ever seen. bANK OF AMERICA WILL ONLY ACCEPT PAYOFF VIA CERTIFIED CHECK OR WIRE TRANSFER WICH I WILL NOT DO. Especially since they are holding over $XXXX of mine in escrow. I will agree to pay the $XXXX payoff amount but thats it either over the internet or personal chaeck but THAT ITS. I sick of these XXXXXXXX robbing me and America. NO further payments will be made and I demand FULL return of my escrow account at time of final payment. Bank of America and XXXX XXXX need to be dismantled and their CEOs JAILED!

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 2022-04-26
Company: Velocity Portfolio Group
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 
15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX 
{$750.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XXXX XXXX, XXXX  XXXX. XXXX, XXXX Account # XXXX Original creditor : XXXX XXXX {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$2100.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX XXXX XXXX  {$540.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Account # XXXX Original creditor : XXXX {$1200.00} Balance updated XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Attach is question that need to be answer concerning any violation of the servicer.

BSI and XXXX. After reviewing your company webpage I do not see any of my question have been answer before concerning a advanced escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
My XXXX account is closed and has a XXXX balance. Experian is the only agency with incorrect information they still show a balance. I filed a dispute the balance at XXXX is XXXX  They will not change 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 2020-01-21
Company: Capital Link Management, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call with Voice mail from XXXX on XX/XX/2020 saying that the compay had a petition of wage garnishment/judgement with my name and social attached to it. So i return the call and explained the debt had been paid. And asked for reference of the company name and if they were the creditor. He informed me they were CLM, capital link management and were a mediation company and not the debt collector. The debt collector was actually XXXX XXXX. The representative stated he didnt have that in his system and i could email bank debit details via email to show my repayemts. I did decline as im not at all comfortable sending that type of personal information via email. I asked to be sent documentation via mail and they refused saying they could only send an email. He then put his supervisor on the phone and again i asked for documentation and he repeated the same that they could only send email and why hadn't i previously responded. He also stated that 95 % of the time there are no errors and its not normal that the debt would be paid and they not have that info. I told him i just received the call and that when it referred to garnishments i contacted them back immediately. I have no issues dealing with debt or owed funds but for them to mention garnishments and or judgements without any prior notification of court and or subpoena is ludicrous. And they are not the creditor to threaten such action but only a mediation company at that to make that threat is simply outrageous. I shouldnt be threatened of garnishments to scare me as a consumer to payment. The supervisor said they dont do regular paper mail because of turn around time and proceeded to send me a letter of discussion of agreements in which our conversation we agreed to no such payment. I only requested documents proving and or outlining the debt. The email was a letter stating i agreed to pay when i did not. What profesional company that is debt collection and or mediation does not send official mail?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following items from my file. 

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 2021-10-15
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
74 charges totaling {$4000.00} were marked as fraudulent. and credited to my account in XXXX of this year 2021. 
Later in XXXX when receiving my new card all 74 charges were then recharged on my account as soon as I used it to take an XXXX  trip. 

After speaking with a representative we found that 73 of the charges were by the merchant name " XXXX XXXX '' and correctly marked fraudulent totaling {$4000.00}. 
1 of the charges were from " XXXX XXXX '' on XX/XX/2021 for {$11.00}. and incorrectly marked by the card company as fraudulent as ( I had requested only charges to " XXXX XXXX '' as fraudulent ) my trip with XXXX recharged all of the 73 fraudulent charges as well. 

I reopened my fraud case with this new information. 

I have never used XXXX XXXX to make a food delivery : I do have 1 legitimate order on XXXX XXXX from " XXXX XXXX XXXX' for {$65.00} which is not on the list of fraudulent charges as it was not processed under " XXXX XXXX '', but otherwise I have 0 orders from the XXXX XXXX XXXX  and have never used it to make a food delivery. 

on XX/XX/XXXX, a chase fraud representative handling my case named XXXX, called my phone at XXXX XXXX, after 2 minutes of intermittent connectivity the call was lost. I called back 3 times, XXXX, XXXX on the same number ( XXXX ) XXXX and then again at XXXX but this time on the number on the credit card ( XXXX ) XXXX. A representative told me that XXXX was now inactive. but would leave my number to be called back. I never received a call On XX/XX/XXXX I called back and I was informed that XXXX decided that the charges were all legitimate on the XXXX without the communication or information he clearly initially wanted to call and ask from me. I informed the representative that I would make a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
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: Was not notified of investigation status or results

Complaint:
XXXX  Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, Transunion, & XXXX have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CITIBANK, N.A.
State: NC
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 an XXXX CitiCard which was closed in 2014. It is being reported as Inactive rather than closed by XXXX. I have contacted XXXX several times over the last 2 years and nothing gets done except they reply back with - " meets requirement of the fair credit reporting act. However, they are using it to lower my credit score based on an inactive account. I have opened numerous disputes with XXXX over the last 2 years, and it goes into a black hole with no resolution. I have asked Citi on numerous occasions to report the account to XXXX as closed which has not occurred.

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 2018-02-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was interested in getting a cashRewards credit card from Navy Federal Credit Union ( of which I am a member ). Periodically Navy Federal will offer a sign-up bonus for this card and I was waiting for an offer to come up, checking their website every day since the end of XX/XX/XXXX. When I checked the cashRewards web page on XX/XX/XXXX, a new message was displayed that read : Spend {$500.00}. Get {$100.00}. This was written in large print at the top of the cashRewards web page and was not an ad for something else. I decided that this was what I had been waiting for and applied for the card. I was approved, got the card a week later, and spent {$500.00}. Then I sent a message to Navy Federal through my account on their website asking if I had qualified for the bonus. They responded a few days later : We did not have a promotion that provided {$100.00} when {$500.00} is spent. This is not true. The website displayed exactly what I said it displayed : Spend {$500.00}. Get {$100.00}. It was for the cashRewards card. It was printed in large print below the main picture at the top of the page. The page displayed the offer for that weekend ( XX/XX/XXXX-XX/XX/XXXX ), then it no longer showed the offer anymore. But it was there for those days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Honestly I think this a problem caused by both the credit reporting bureaus and BSI Financial Services  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found BSI Financial Services mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I reached out to BSI Financial XX/XX/XXXX with more than 15 pages of documentation.. SEE BSI FINANCIAL LETTER DATED XX/XX/XXXX , attached here, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - XXXX XXXX XXXX I was told that even though I had a letter from BSI that no correction or update on this could be made unless and until received DIRECTLY from BSI Financial. I wen back to BSI Financial many many times, by phone, fax and email. I learned eventually BSI submits to the credit bureau. Eventually I was told BSI had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from BSI and BSI keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to BSI saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the BSI letter directly to the credit bureaus. Then was told If they hear nothing from BSI in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with BSI Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: MI
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:
In XX/XX/2022, I sent a letter showing identity theft/fraudulent accounts on my credit, and they failed to comply.

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 2020-09-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XX/XX/2020 Macys statement contained a purchase, dated XX/XX/XXXX, under a fraudulent name ( " XXXX, '' not my first name ). Card was always in my possession ; I was not in the store since early spring. 

The fraudulent charge continued on my XX/XX/XXXX statement + a late fee + interest XXXX {$540.00} XXXX. 

XX/XX/XXXX and XX/XX/XXXX letters to me from Macys noted that they were beginning a fraud investigation and would suspend the disputed charges. 

My XX/XX/XXXX statement showed the reappeared charge as {$560.00}. 

My XX/XX/XXXX statement showed that the charges had been suspended. 

A letter to me from Macys, dated XX/XX/XXXX, refused my claim. 

My XX/XX/XXXX statement showed the charge was back less the late fee and the interest : {$500.00}. 

My XXXX statement shows the disputed charge still there : {$510.00}.

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 2018-02-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I had attempted to have a authorized charge of XXXX go through. I was noticed that the charge was denied. I proceeded to log into my account to see what the issue was. I had received no notification on my phone or email. By that, I mean that if there was unusual activity on the card, I would receive a notification. I log into my account and was shocked that my limit was decreased from XXXX to XXXX. I had received no communication of any kind that this would happen. 

I had called my credit card company to found out why my limit was decreased. I was told that due to my other accounts having high limits, that the XXXX report submitted to my credit card company was the reason my credit limit was reduced. I have made 100 % on time payments and explain that I was supposed to be notified weeks in advance, but the representative could not give me a clear answer. I have a store card with my credit card company where my limit went from XXXX to XXXX! For the store card, the only reason I need about it is that I had receive a letter from my credit card company on XX/XX/XXXX, two days after I already knew that my balance was decreased.

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