BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Thi scompany just reported negative information to my credit file without my permission is a violation of my consumer rights. I dont even know of this compant nor did i due business with them but they have negative information they just inserted on my credit file today. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello. I have been working to remove 1 alleged state tax lien from my Equifax Credit Report. I have contacted the State of Indiana and obtained certified documentation that the tax lien needs to be removed from my credit report with Equifax. XXXX and XXXX both removed these alleged tax liens. I have sent the information twice to Equifax and both times it has come back verified. 1st Compliance/Validation Check - X/X/17 returned verified X/XX/2017 2nd Compliance/Validation Check- X/XX/2017, returned verified again X/XX/2017 I have included the certified letters form the State of Indiana and I would ask that you draw you attention to the detail in letters stating I have no tax liens against me in the State Indiana and they have removed these liens against me. You will also note in the compliance/validation letters I asked for documentation with my signature which I never received. It is very discouraging that a consumer can follow all process for something that is an error and follow the steps to have it removed from their credit report only to have a computer system XXXX, which is Metro 2 complaint, fail to recognize that consumer has provided all information to validate that said liens are to be removed numerous times. Also inline with the recent settlement between the credit bureaus and 30 plus state attorneys where as certain public records and judgements are to be removed if a record do not meet 3 of 4 identifiers. You will notice that both of the alleged tax liens on my report DO NOT meet 3 of the 4 required identifiers. Again a failure of the credit bureau to follow the settlement agreed to. Also I do not have an address on my credit report with Equifax or any other bureau that ties me to XXXX County, Indiana. Again, attached documents from the State of Indiana Validate that I do not have nor have I had an alleged tax lien. Thank you for your time and appreciate your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Consistent breakdown in communication over the course of the past six weeks with TWO Bank of America mortgage lending officers. After two weeks of non-response from one lending officer ( XXXX XXXX NMLS # XXXX ), I was reassigned another mortgage lending officer to more attentively process a refinance application. Yet, alarmingly and once again, following a near two-week period of non-response from the second lending officer ( XXXX XXXX XXXX NMLS # XXXX ), I am withdrawing my application and will take my business to another, more responsive, lender.

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 2020-08-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had a collections account that was declared paid in full AND DELETED from all 3 bureaus on XX/XX/20. XXXX and XXXX have removed it from my report, however it is still showing on my Equifax report. I called the collections agency on XX/XX/20 and he stated he submitted a 2nd submission to Equifax on XX/XX/20 to have it removed. As of today, XX/XX/20 it still appears on my credit report. I would like to have this collections account deleted as soon as possible as it has been with the other 2 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. XXXX shows the account is in collections. Experian and XXXX are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!

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 2019-03-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Greetings, My name is XXXX XXXX XXXX. 

I have been banking with J.P. Morgan Chase and have been a victim of bank fraud, prejudice, and discrimination. I recently had an account closed for no good reason. This account, I was told when I called was put on restriction. I was then told to bring them account to a good standing within ten days and the account would not be closed. I had made a promise to the customer service representative and they had made a promise back. A verbal bilateral contract. I went into a branch with XXXX XXXX dollars and brought the account to good standing. The bank proceeded to close my account. After the account was closed they offered to open a new account for me but ran the application process and I wasn't able to open a new checking with them after they ran my application. I am considering seeking compensation through representation. Considering, banking institutions only arbitrate mostly and hold a privatized kind of justice, I wanted to inform you about this matter. It is completely inexcusable. I have done nothing wrong and they have stripped me of my debit account, prematurely and with prejudice. I want compensation for the psychological affect this has had on me. I no longer trust them and I feel as though I am under attack by a large corporation. I am merely an amateur and J.P.Morgan Chase has given me an anxiety disorder. The pain and suffering my financial and mental well being are going through while resolving this matter is of my primary concern. The damage I feel is worth a settlement of at least XXXX XXXX dollars. I was treated poorly by customer service and I was victim of predatory banking. I am distraught and suffering. 
Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
I had a credit card with TD Bank USA / Target Stores. TD Bank / Target is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a XXXX Off if it has a XXXX  balance? 

Target and TD Bank have refused to correct this error. I have disputed it numerous times. But Target and TD Bank have refused to correct the error.

I am attaching a letter with a copy of the statement showing a XXXX balance sent by Target / TD Bank date XXXX. This should serve as proof of the mistake by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? 
_______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.

______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed 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 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of XXXX children and I have finally XXXX  XXXX  and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, 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 explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have attempted to rectify this in correct address on my credit report for transunion, XXXX, and XXXX. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! XXXX IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : 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 explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is appearing on my credit report even though they are past the statute of limitations. I hired a credit repair organization called XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX has already disputed this item which is past the statute of limitations, and the 3 bureaus are still incorrectly reporting this loan. Equifax shows the account is in collections. XXXX and XXXX  are both showing 120+ days late. The bureaus are also unwilling to remove this item. The last date i challenged this item is on XX/XX/XXXX. 

The date XXXX XXXX opened is XXXX of XXXX. The drop off date is XX/XX/XXXX. The account number is XXXX. The balance is {$9300.00}. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Biehl & Biehl, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had lost my job and was unable to pay XXXX - I did contact them but they turned me over to Biehl and Biehl Collection Agency - other agencies I have dealt with were under- standing and said they would make note of my account.

The first time I called Biehl and Biehl they were nasty as told me why did I order XXXX if I didn't intend to pay - I have dealt with XXXX over 60 years and this is the first time I had a problem - I called them as I said and they were nasty but told them I could not pay what I did have and hopefully one day get a job which at XXXX  is not easy and pay it eventually - XXXX  would not accept small payments and wanted half one month and half the next month which I couldn't do.

I got another letter from them informing me I ignored their request for payment and want it immediately - I tried calling again but you get put on hold forever so I sent them a letter.

Even going on the web their reputation is not the best and there are other complaints about them being nasty - as I said other Collectors are nice and say they will make note of it on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: State Collection Service, Inc.
State: WA
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 have tried to contact this bank few times and they never responded me back with the information I have with them. This account is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT COLLECTION SERVICES IS REPORTING A BALANCE OF {$670.00} ONTO MY CREDIT FILE THAT I AM NOT RESPONSIBLE FOR. THIS ACCOUNT IS A RESULT OF IDENTITY THEFT AND DO NOT BELONG TO ME. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-08-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX charged me for some device ( a medem I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, XXXX continues rating my credit at XXXX, Equifax XXXX and XXXX XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To Whom It May Concern : I disputed a tradeline from XXXX with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been attached

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 2018-10-12
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This information XXXX XXXX XXXX XXXX  is reporting on my credit file is not my bill or account this has been on my credit report for over 5 years and Id affecting my credit inaccurate information this company or hospital is 4hours away from my home I dont know how they got my information by law this not right to report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have disputed the student loan accounts XXXX XXXX XXXX XXXX -  XXXX, XXXX XXXX with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

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