BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: OH
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 now my 3rd time reaching out about an issue. XXXX XXXX is continuing to report inaccurate information. Not for sure why, but my last request said that I wasn't clear in my reply. I'm pretty sure that I was VERY clear as to what the issue was. I will copy and paste that info here : what I sent in on XX/XX/18 : This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests. 

I am now asking you to remove this account. I have been asking for months to have this information report accurately or to remove. I am on the verge of considering seeking counsel for this issue. it's very clear they have no desire to abide by the laws and report this information correctly.

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 2020-09-02
Company: LEXISNEXIS
State: NV
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:
While reviewing my credit report on XX/XX/2020 notice that an Bankruptcy filing from the U.S. court of Nevada, XXXX XXXX. There were information in regarding the bankruptcy that was reported to the credit bureaus by these data providers who are third party recorder who report information to the three credit bureaus. Which are XXXX XXXX XXXX I am exercising my rights under the fair credit reporting act, section 609, to request information regarding. As per section 609, I am entitled too see the source of information, which is the original contract that contains my signature from these three data provider XXXX XXXX XXXX XXXX, Lexus nexus. If either of these parties disclose this information to the credit bureaus which is illegal without my consent I am requesting that this item be removed from my credit report within 30 days of this complaint. These data providers are illegal selling consumers information to the three credit bureaus for their company profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2012 regarding complaint XXXX-XXXX. XXXX XXXX XXXX provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.

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 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2012 regarding complaint XXXX. XXXX XXXX XXXX provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.

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 2021-09-07
Company: EQUIFAX, INC.
State: CA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been sending letter since XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have not gotten a written statement on how it was verified/validated the Bankruptcy and all they say it was verified through XXXX. 
I believe I have given ample time to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BARCLAYS BANK DELAWARE
State: VA
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 credit card with Barclay. I had auto-payments set up through Barclay to pay the regular minimum. Between billing periods ( I believe XX/XX/XXXX ) l made payments on the card, but for less than the minimum due. On the payment due date, Barclay still drafted for the original minimum, which did not reflect my additional payments. There were insufficient funds to cover the auto-payment. To make matters worse, the online payment system did not reflect that the payment was not made and updated to show the next billing cycle 's minimum payment. Also, I received no notification of the missed payment until I received a 30-day late notification from my credit monitoring service. I immediately paid the amount in arrearsthe minimum due, not the amount that Barclay attempted to draft. I attempted to address the matter with Barclay directly to no avail.

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 2021-04-28
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: IL
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:
Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/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 2020-09-02
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
US bank closed my account without any notification and I did not receive the refund for the remaining balance.

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 2020-09-02
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-09-02
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: TN
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:
The XXXX  XXXX XXXX XXXX XXXX credit card company in continuously reporting incorrect information regarding the owner of this debit. Although the account was originally opened with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the account has been closed and sold to a Debit Collector. This credit card company was not able to assist me because they no longer own the account. I have reached out to XXXX XXXX with their contact information being reported to all three credit bureaus after my credit report was obtained. Once the reports were obtained I notice the same information was reappearing showing the same incorrect information. I have made many disputes with the credit bureau agencies in an attempt to resolve this issue with this credit card company. 


Since this is the case and no resolution had been done ( on my behalf ) with above statement and recent complaint. I requested with the two credit bureaus to add a personal statement the two account on my credit report. They under false pretense took my statements/ information of what I wanted added to my report, but did not add the statement to the report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America is making the entire covid forbearance experience confusing and stressfull. I was given a 3 month forbearance. Before the process began B of A would say one thing and do the other. I began paying my mortgage again in full after the 3 month period ended. Then they sent an escrow shortage bill which I paid in full. I am behind 3 months which is to be expected and allowed per their instruction. Now I am receiving emails saying that I've made partial payments, which is not true. I've paid two months in a row and an escrow balance. The correspondence I've received is so confusing. I'm sure I'm not the only one. The bank really needs to get it together. They are taking my money and applying it in the wrong places and putting blame on me and threating foreclosure. They need to contact me outside of their website and app. This is not the way to assist customers in these difficult times.

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 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, my purse was stolen in XXXX, TX. My Bank of America Business debit card was used with unauthorized charges in the amount of {$1400.00}. I reported my card stolen to the XXXX Police Department as well as to Bank of America and opened a claim. I was told by a Bank of America claims specialist that I would receive a temporary credit on my account until the investigation was complete. I never received a credit to my account, nor have I received any written correspondents from Bank of America, in regards to this claim. On XX/XX/XXXX, I called Bank of America, and learned that the investigation had been closed, and they couldn't prove fraud because of XXXX transactions day before my card was stolen, and because whoever committed the fraud didn't exhaust ALL funds in the account, which is not usual fraudulent activity. In result, Bank of America is finding me responsible for fraudulent activity on my stolen debit card. This decision is unethical and unjust. The consumer should not be held responsible for any fraudulent activity on a stolen debit card.

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 2020-11-27
Company: JPMORGAN CHASE & CO.
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:
Chase Bank says I have a bank card with a {$6000.00} limit. They said they know this through credit reporting. I do not have this card. " They '' XXXX from level support 2 told me to cancel it myself. I have other credit cards so I do not know why this is the only one they are " monitoring. '' This is a fraudulent card. They said I opened it up in 2018. I did not open up any credit cards in 2018. I also have a temporary credit freeze for new accounts. They say it is a CBNA card. They say there is {$180.00} on the account. The number I called is XXXX at XXXX XXXX this morning XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I requested {$200.00} to solve an issue. The company sent {$600.00} in my account. I wanted to pay the {$600.00} back immediately as it can not solve the issues. They wanted me to wait and pay {$320.00} each month for 8 months. I have been telling them I want to pay immediately your {$600.00} but they have been refusing to take the money. I can not pay {$320.00} per month for a loan of {$600.00}. 
I communicated with them via emails and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened up dispute with credit bureaus last month in XXXX regarding this alleged debts ( Medical Bill and XXXX Bill ). There is no proof I owe this alleged debts and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida

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 2020-09-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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:
On XX/XX/2021, I sent a letter out to TransUnion, XXXX, and XXXX. In the letter, I pointed out several inaccurate accounts reporting on my credit report. It has been beyond 45 days and I still have not received any results from the 3 credit reporting agencies. I have tried contacting the credit reporting agencies but they have not resolved the situation. I believe they are taking advantage of my situation and they are not doing anything to fix the problem. I contacted them on several occasions. even after contacting them, they still have not sent me the results of the investigation. They are in violation of the law because they have 30 days to do an investigation and they are suppose to send me the results of the investigation within 5 days of the investigation. If they can not verify the accounts, it must be removed from my credit report. These inaccurate accounts has been holding me back from several opportunities and it has caused a lot of stress.

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2020 XXXX XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX  made a fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX made a fraudulent inquiry on 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