BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
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: Investigation took more than 30 days

Complaint:
I sent letters to XXXX XXXX and Equifax disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report.

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) XXXX XXXX and Equifax has 30 days to respond to my dispute. Not responding is a violation of my rights. 

Account 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Experian Information Solutions Inc.
State: PA
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 recently disputed fraudulent items on my credit report. I sent the letters and supporting documents and have not received an appropriate remedy for my identity theft.

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 2020-12-15
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX my bill for XXXX dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said they tried reaching me. they never notified me of the payments and just sent it to collections I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/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 2020-08-26
Company: Experian Information Solutions Inc.
State: NJ
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 love my XXXX  XXXX but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.

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 2018-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my husband, a XXXX XXXX dressed in uniform went to deposit XXXX in cash into my bank account to pay our Mortgage. We did not deposit a personnel check because we knew it would be a hold on the check and we needed to call our Mortgage company with payment. However with no notice completely by surprise he was told he could not make a cash deposit of any amount into my account. I would need to come to bank to make the deposit. When I arrived I was told the same thing by Manager. At this time my husband was called so he had to go. I ask the Manager and Service Representative for a copy of policy. They told me it went in effect in XX/XX/XXXX and I should have asked about deposits when I opened my in XX/XX/XXXX I informed them that I was was told about other products and monthly balance fees but this was not disclosed. I told them if I had known about this policy I would not have opened an account with Bank of America.I was than told they would call the police because I recorded the conversation because I wanted to get this on record from the Manager. I had just purchased checks from this bank on XX/XX/XXXX. If I could get them refunded I would close my account but since my mortgage was due and I needed to stop direct deposit I kept account open. However I told other Bank of America account holders about this policy and they are going to close there accounts because they are not aware of the new policy. I will also contact the news outlet so this information can be disclose to other consumers.

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 monetary relief
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is the 2nd time, in about two ( 2 ) weeks that I've had to file a complaint. I had requested through Transunion ( plenty of times ), to remove all disputed information, language from my credit report. Finally it was done, and then to my surprise, the language was placed right back on! What is even more surprising, is that the CFPB closed the case, and then right after, Transunion stated that I had 2 accounts in dispute, after I asked plenty of times through the CFPB and Transunion to remove the information. Can anybody help me? Is the CFPB going to step in and tell Transunion that I no longer want to dispute anything on my credit report? I'm really starting to lose faith in this process. Also, I've noticed that XXXX/XXXX continues to report that the account is in dispute, after I stated time and time again it wasn't.

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 2018-10-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX  account XXXX. The following unauthorized inquries should be removed as well XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX & XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I submitted a XXXX payment of {$500.00} via wells fargo XXXX for a new dog. It turns out the person accepted the payment, but quit answering questions and never sent the dog. Essentially, i was scammed. I would like a full refund for this terrible crime that was committed. This occured on XX/XX/2021.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: CT
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:
my information was stolen and use to open XXXX  XXXX auto FN account. i contact the credit company and XXXX  XXXX and let each know but the account is still on my credit

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 2020-08-22
Company: Experian Information Solutions 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:
On XX/XX/2020, I contacted Experian in reference to a bankruptcy entry on my credit report with their company. I called Experian and a representative explained to me that the information was verified by the court listed at the bottom of the entry. I contacted the court listed, who explained to me they do not furnish any information to the bureaus and if they explained that the court verified data to them, that was false information. I then searched the laws of FCRA and I followed up in writing. I wrote a letter which is attached requesting information on the verification method they used to verify the information which is required to be furnished within 15 business days. 

As of XX/XX/2020, I had not received any methods of verification in writing from Experian. I did receive a generic printed letter stating the entry was verified by a 3rd company called XXXX with no details or proof included. On XX/XX/2020, I wrote another letter to them explaining again they indeed had incorrect information in reference to my report and I listed the entry along with the data that was incorrect and demanded they remove the inaccurate entry from my report. I also explained in the follow up letter, that I requested and needed to know how and with who they performed an independent investigation with instead of ignoring my request which is a violation of FCRA. 

On XX/XX/2020, I received a report from the company Experian named as the furnisher of data. XXXX does not provide any personal identifying information in the data they provided to me except a first and last name. I have attached the report they sent, the address listed in XXXX his incorrect, the SSN number is missing, the DOB is missing, the city of the entry is missing. A first and last name can not be used to verify someones identity. I sent Experian copies of the report from XXXX, and as of today XX/XX/2020 I have not received any follow up to the data provided to them that this is indeed incorrect and not verified to me. 

As of XX/XX/2020, I still had received no response from Experian providing the proof of method of verification. Per FCRA XXXX is a 3rd party company and can not be the furnisher of verification, verification must come from the original furnisher and the U.S Bankruptcy Courts in our nation do not provide that information to anyone due to federal law protecting consumers personal identifying information.

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 2021-05-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had two credit cards with Chase and I have always paid them in time. 
I changed my name a few months ago when I became a citizen. I informed the bank and sent them documents showing my new name to make sure everything is correct. 
They changed my name on my accounts and sent me new credit cards. 
Last month, I received an email from them that I get a {$200.00} bonus if I open a checking account with them. I still have their email. 
I went to the Chase bank ( XXXX  branch, XXXX, TX XXXX and opened a checking account using my new name. They said that I should deposit money into my account ASAP. So I transferred {$5000.00} into my account using XXXX XXXX {$1000.00} XXXX, and direct deposit XXXX {$4000.00} XXXX. I have documents proving that. 
After a few days the money showed up in my account, but then I received a letter from Chase that the account is blocked and will be closed! No reason was provided. 
I called them several times but nobody answered or returned my call. I went to the branch and they said there is an issue regarding my new name. I told them to transfer my money back to my original accounts. They said they can not do it, but they will send me a check. 
It is about a month and they have not sent me a check nor they explain what has happened. 
Is it the worst customer service or fraud? 
I have worked with many banks, but Chase has been the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently disputed information on my credit reports due to upon pulling my report for business opportunity, I noticed inaccuracies in the form of a bankruptcy, wrong personal information, unauthorized inquiries and I addressed these issues with this company. I included letters I wrote to Court and XXXX which is where they stated they verified the bankruptcy and I included letters from these same entities stating they did NOT and do NOT verify this information resulting in XXXX deleting the item from their record. I am very distraught because their lack of cooperation is not only hurting my credibility and character but costing me business opportunities as well. I recently suffered the loss of my veteran husband and I am trying to stand on my own without unnecessary setbacks. I am including the letters I received from the court and XXXX, the same letters I included to the company.

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 2019-07-12
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
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: Problem with personal statement of dispute

Complaint:
Request a personal loan at Iberiabank, and it was denied for serious delinquency. I investigated XXXX and I do not accept the reasons given, because I do not possess delinquent in my credit report. The information was verified in XXXX  and there is no delinquency. In addition, the score is incorrect. I understand that I was discriminated against for not approbation with incorrect information. I request that it be investigated.

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 2021-05-06
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

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 2018-04-28
Company: Diversified Consultants, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I switched to another phone company and was told that I had been billed and paid all from XXXX XXXX. Then a few months later I received a letter from them saying I owed XXXX dollars on the closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: RENASANT CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is $ XXXX. Each month when I paid my mortgage. I paid an additional amount at that time on the principal. In addition to this, I made small principle payments on my mortgage during the month. When XXXX sold my mortgage to XXXX in XXXX. XXXX determined that those additional payments were partial payments. They collected that money into an account and transferred this money separately to 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 2021-05-06
Company: EQUIFAX, INC.
State: IL
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: JPMORGAN CHASE & CO.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I do not believe that my Chase Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: CL Holdings LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When i suggested that I had no knowledge of the account or an account in collections It was relayed back to me that " my credit would be damaged for many years for refusal to pay or work out an option to you '' I was harassed with repeat phonecalls met with rude service, I have asked to be sent proof of signature, date, ID, etc for verification that the debt belongs to me and have received no response. 
I have disputed the debt with no response I have sent letters with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter from revenue enterprises regarding alleged medical debt, have asked for verification of debt, no verification / substantion of debt has been provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation