BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Mrs. XXXX XXXX XXXX the information of my 3 credit cards, XXXX XXXX , Bank of America, and XXXX XXXX she used them for 4 years paying her personal accounts and services, and changed my address, phone number in them used the XXXX XXXX for an amount of XXXX the Bank of America for an Amount of XXXX and the XXXX XXXX  for almost 5000.00 I put an Identity Theft Report with the Federal Trade Commision and send letters to all the credit cards and also attached the identity theft report and the detail of the transactions made. I had my credit cards paperless so I don't realize this until I try to made a transaction on XXXX XXXX and my credit card was denied then I begin to investigate discover that I don't have credit available and request to the credit cards my statements in paper to know that happen. This begin in XXXX and she was doing monthly payments from this checking account for the minimum amount in each credit card and use her phone number to do it so I don't have a way to realize what's going on. Now they are under investigation for almost 3 months and request a Police Report the problem is that I live in XXXX and the police don't want to take the report because the merchants are in other cities and told me that have to travel to each city to put a report on them something that is impossible. In the meantime I don't have an alternative of what to do in reference to them because they denied 2 times my dispute and reopen the case again because they are not doing an investigation like should be done. What Can I do?? How you can 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
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NJ
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several letters to Security Credit Services in regards to an account that they are claiming to be mine. I have asked 3 times to validate the debt and all I keep receiving back from them is an electronic application and bill. My last communication from them was asking for a copy of my id and signature which they were not able to furnish. Everytime I send them a letter asking for validation they just keep saying validated and demanding that I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: CO
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:
Here are the two inquires that I don't recognize and have nothing to do with them 1 ) New tradeline by XXXX, business type N/A to Experian on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 2 ) New inquiry by XXXX to Experian XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - nonspecific I got the information from my XXXX XXXX web page 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 2021-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I called the company directly and the calls were recorded requesting a deferment extension. Originally the extension was to end XX/XX/XXXX. I contacted the company prior to that time and the extension was sent to extend until XX/XX/XXXX. 

The representative was recorded on my end as well and never processed the extension in time even though they sent me a letter confirming this was done. This resulted in a late payment being reported by Bank of America, my score dropping and then they closed the card because now they claim I am no longer eligible due to the score drop. 

This is highly unethical and bad business. I've called and told it would be resolved yet it hasn't. I just to get my credit report corrected and showing properly without the late payment showing so I can move on with my home buying process.

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 2018-02-28
Company: Machol & Johannes, LLC
State: OR
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:
On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office Machol & Johannes has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling Machol & Johannes they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or Machol & Johannes, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.

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 2022-10-30
Company: EQUIFAX, INC.
State: NC
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:
Here is the list of inquires thats on my credit profile with XXXX, XXXX and Equifax these items are fraudulent and have no relation to me and I have sent FTC reports and letters to the credit bureau and they tell me my excuses each time as to why they didnt remove the items stating I didnt have dates of the inquires. Then stated they couldnt verify my identity Ive submitted numerous of items disputing these fraudulent inquires to no avail! and wasted hundreds of dollars sending certified mail and still got no results! This is unfair and hindering me from purchasing a house please remove these items XXXX  XXXX  Inquiry date XXXX XXXX, XXXX  XXXX XXXX Inquiry date XXXX XXXX, XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone opened a fraudulent bank account under my name but is using a different email address. There is no way I can know what this email address was since it was not mine. Customer service can not help me because I do not know whose email address was used to open a fraudulent account under my name and the bank refuses to help me without that email address. The bank is Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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:
XXXX continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX  and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX and Equifax are reporting charges offs on my credit report with balances, according to US Code Laws that is a violation of my rights and is against the law. All charge offs by law must report zero balances since the debt was sold to a collection agency. 

Account name XXXX Account XXXX XXXX Balance {$140.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$55.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$65.00} Account name XXXX XXXX XXXX  Account number XXXX Balance {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
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:
This is the second time I have contacted your XXXX XXXX, XXXX, Experian regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. My current legal name is XXXX XXXX XXXX please remove/ delete all variations they are incorrect. 
MY DOB IS XXXX My SS number XXXX MY ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. 
I have been the victim of ID Theft and I wish all addresses other the the one above to be remove file my credit report I no longer live there and do not wish pre approved mail and ads sent to those addresses as I believe this is possibly what lead to my ID being stolen in the first place. 
I no longer live in XXXX XXXX and some has been using my ID and SS for account in XXXX XXXX. I had to file a report for the Unauthorized activities.

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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My account was paid in full as of XX/XX/2015 to XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from XXXX XXXX XXXX that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.

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 2018-02-28
Company: Mandarich Law Group, LLP
State: OR
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:
On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by Mandarich Law Group : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office XXXX XXXX XXXX has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The Mandarich Law Group is who to talk to, and they are unresponsive. 
In calling XXXX XXXX XXXX they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The Mandarich Law Group : Attorney XXXX XXXX or XXXX XXXX XXXX, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I set up a transfer to pull from by XXXX checking account to my People 's United Bank checking account. This was a hassle in and of itself, however, it worked - the transfer went through. 

A month later, another transaction went through for the same amount. I thought it must be a mistake, I don't recall setting this up to be recurring. So I logged into my online account and checked my " Transfers '' tab. It read " No Transfer Accounts Added. '' I checked my Bill Pay ; no recurring bill pay 's were set up. I checked every possible avenue and no scheduled payments or transfers were shown anywhere on my account. 

Despite this, today another transaction posted as pending on my XXXX account. Since I was not expecting this, it over-drafted my account. My communication with XXXX indicated it was initiated by People 's. So I called People 's and they would not stop the transaction when I requested to do so, even though it was still pending. People 's indicated that this recurring transfer was set up " internally '' and that is why it didn't show up anywhere on my account. What does that even mean? 

Anyways, since I was forced to cancel the transaction through XXXX ( People 's would not oblige ) I was charged a {$36.00} stoppage fee. This was all a nightmare and took more than an hour of my workday to resolve. It does not seem right that a recurring transfer can be ongoing with ZERO indication it exists anywhere in my online account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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

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 2018-09-04
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
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:
XXXX  XXXX XXXX, ACCOUNT XXXX RECENTLY APPEARED ON MY EXPERIAN AND XXXX  CREDIT REPORTS. 
I disputed the account with Experian as not mine and it was " verified '' within 2 days. 
During this time, the account appeared on XXXX as well.The account is not mine. 
It says the original creditor is XXXX-XXXX XXXX.This is not my account.I did not live at the address they say when I was delinquent.It is either an error or belongs to someone else whether or not someone used my ID, I HAVE NO IDEA!

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 2021-12-30
Company: Experian Information Solutions Inc.
State: NY
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:
This is several times that I tried to purchase my 3 credits reports and scores from Experian or others but the agencies doesn't allowed me to purchase my reports unless I signed in to my previous account. I feel that my rights has violated. Therefore, I file a 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 2020-10-28
Company: Adler Wallach & Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20, I saw that something I have already disputed and had removed from my XXXX  credit report came up on my XXXX  credit report. At first I didnt know what it was for, but after calling and getting verbally abused I figured it out. The person on the line didnt say it was an attempt to collect a debt and that it was a recorded call when they first began speaking to me. Only later did they disclose that. I have NEVER received written communication from this debt collection agency in regards to this account saying I owe money, or anything of the sorts. The customer service rep just kept laughing at me saying you signed a contract and when I asked to speak to someone else that was more professional or could give me more information he outright denied me that opportunity. I said I will just have to get a legal team involved and he laughed again and said they are going to say youll lose because you signed a contract I believe they are treating me this way since it has already been disputed and they are upset they can not penalize me anymore. Its unprofessional and outright wrong to talk to someone like this.

Company response to consumer: Closed with non-monetary relief