BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: NY
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:
1. Experian is reporting Personal information name and address reported wrong.

2. Experian has another name that's not my name XXXX XXXX not 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 non-monetary relief
Consumer complaint received 2021-01-25
Company: U.S. BANCORP
State: MN
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:
For at least three years now I have been trying to get credit files to reflect that I have a mortgage. When I divorced in XX/XX/XXXX it was agreed by ex husband and myself and done legally that the house was mine. I cleared the title to reflect that and further due to domestic violence it was so ordered he could never come into the house. He left Minnesota and remarried. On XX/XX/XXXX he passed away. Still the US Bank wouldnt take his name off mortgage. But that isnt the whole problem- the credit files have the wrong account number and I can no longer dispute this with them. It stands as paid off and closed. I even sent XXXX an original bill. But they refuse to change it. Us Bank stated the account number is in error. Now I would like to repair my house but this along with other in accurate information in files has stopped me. A big chunk of my retirement money goes to the mortgage and I need it corrected. I also want to note here that I have identity theft and that I have not filed bankruptcy- which is one of the numerous reasons that US Bank has given as to why they do not report to credit bureaus and as I stated my ex husband has passed away. He had filed bankruptcy. Also my identity theft is linked to this as I have a stalker/cyber and I know who it is. There are many more issues with credit bureaus ( double accounts, accounts open and closed at the same time ) but if I can get your help on this issue I can move to the next problem

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 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2022-02-14
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  XXXX XXXX  sold this debt to lvnv funding llc- they have been contacted by me and my power of attorney and they have not provided all the necessary documents that prove the validity of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a fire at my home on XX/XX/2018. My mortgage company refuses to release my insurance funds to enable me to start repairs on my home and in violation of the recorded Deed of Trust on my property ( XXXX ). I have been writing to my mortgage company since XX/XX/2018. For over 100 days they have not directly responded to my written requests hindering me from making repairs to my home in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Bread Financial Holdings, Inc.
State: IN
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:
COMENTY IS FAILING TO REPORTS ALL ACCOUNT TO  XXXX . THESE ARE UNLAWFULL ACTS TO CONSUMERS.     RE-INSERT ALL ACCOUNTS ONTO OUR CREDIT REORTS.     THIS VIOLATING THE DODD-FRANK ACT AND OTHERS LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter to Frost-Arnett Company asking for proof of verification and signature and they sent me a misc document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed my account with my tv provider on XXXX.I returned my equipments on the next business because they were closed on the weekend.Ive paid my bill with the XXXX for 10 years and I never missed any payments with them.I filed complaints against them with FCC to New Jersey office of attorney general.They were not honored a promotion starting from XXXX XXXXAfter that they raised the bill non stop from XXXX to XXXXMy promotion said I have to pay XXXX and now they sent it to collection what I did not know about.I have text messages with their rep who says I do not owe anything after I returned the equipments.I have receipt shows XXXX when I give the equipments back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: EQUIFAX, 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:
Equifax allowed Fraudulent credit accounts to be opened in my name without authorization and these accounts were opened online, only after my wallet was stolen. Not only did the thief 's forward my address but they also hacked my email address and used my information for their own gain. I submitted an FTC Law Enforcement Identity Theft affidavit to Equifax 2 months ago clearly stating the crime. Equifax blocked the fraudulent account 's due to the FCRA 605 ( B ) Law that requires accounts that have been created or established as a result of identity theft be blocked. Equifax later recsidended the block on some of these accounts without providing any documentation. These accounts are still fraudulent and I did not receive any information from these instituions on these accounts and I have attempted to contact them over 6 times now. First of all the two Accounts for XXXX XXXX XXXX XXXX XXXX which include a Line of Credit and an Auto Loan, are Fraudulent. I did not authorize these accounts, these were not signed by me and I never signed any information on these accounts. I do not have access to these accounts and Equifax has been notified as these accounts were listed on my FTC affidavit. Additionally, Without providing any clear explicit information, I did not authorize Equifax to rescend any blocks these accounts are still identity theft and I was never provided with any documentation on these accounts from Equifax no XXXX XXXX. Please follow the FCRA 605 ( B ) Law as I have clearly and precisely described the crime, and provided documentation. In addition the XXXX XXXX Credit Card is also fraudulent which was also listed on the Affidavit. You rescidend the block on this too without providing any information, documentation or even advising me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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 asked for the removal of false information that another credit reporting organization had discovered and erased. 3 Credit Bureaus have disregarded FCRA rules and my request for verification because of your silence or a response that I consider frivolous. I need to amend my records and fix mistakes that XXXX credit bureaus made. The objects are listed 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 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 2022-12-21
Company: Experian Information Solutions Inc.
State: VA
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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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
Consumer complaint received 2022-12-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
I bank with Huntington. In XXXX there were 3 transactions made on my account via XXXX. I received an email stating funds were being taken out. I logged into my account to go under activity in attempt to cancel them however there was nothing under activity or pending. The amounts showed up once the money was taken out of my account. Ive explained this situation to my bank and they state it was authorized but I never authorized anything. There were three payments totaling {$1100.00}. This has caused great hardship. I didnt have funds in my checking to cover my bills which resulted in late fees. I had to borrow money from my parents to cover those bills. I closed my bank account along with XXXX. The bank has refused to take any further actions. I hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Village Capital & Investment LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This company is poorly managed and unaccountable for anything. 

I emailed the company on XXXX, to ask if I could set up automatic payments on the XXXX and XXXX of each month because that is not an option on their online bill pay. As of XXXX, I still have not received a response. 

On XXXX, I received an email from XXXX XXXX about refinancing my mortgage to a lower interest rate. on XXXX, I responded to XXXX by repeating my request to be removed from their marketing list. I told him ( again ) that I am not interested in doing any further business with this company. XXXX, XXXX confirmed he was removing me from that list. XXXX, I received another offer to refinance my mortgage with them. 

I told XXXX and his brother ( I can not recall his name right now ), during the closing process and after we closed that I am completely disgusted by this company and will not do business with them in the future. I was very clear about not wanting to receive any sales or marketing attempts from them and that I wanted to be removed from selling or sharing my information with anybody. 

Please advise if this should be a second complaint : My closing process was drawn out with them. They were unable to manage the paperwork and sent forms with incorrect mortgage rates on them to the notary, who was helping me sign the paperwork. Had I not been paying attention, I would currently be paying a higher rate than we negotiated. I'd like my entire loan application and paperwork reviewed by the CFPB - recommend reviewing all VA Loans, at a minimum. 

This company makes it difficult to communicate with anybody, to inquire about anything, or to gain any sort of ethical assuredness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Nissan Acceptance Corp is incorrectly reporting that my auto loan was delinquent in XXXX, XXXX, and XXXX of 2020. However, actually, this account has never been past due. I have repeatedly asked Nissan to properly update my account history to show that my payments were not late in XXXX, XXXX, and XXXX of 2020 ; but they have yet to take action to make the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Please remove all these other addresses off my report that are as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
My name is XXXX XXXX XXXX. Please remove any other aliases. 

XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Dates : XXXX Original Dispute Letter Sent / XXXX Follow-up Letter Sent Summary : This compliant surrounds all three credit reporting agencies ( XXXX, XXXX  and Experian ) non-compliance with federal guidelines. I disputed inaccurate information on my credit report on XXXX. There was a total of 4 issues disputed, with 1 being fully addressed/removed due to inaccurate information. As a follow-up to the original communication, a second communication was provided for action on XXXX. 

To date my disputes approach the 90 mark. There has been no response from XXXX, XXXX or Experian. Clearly, the have circumvented federal guidelines with no action take or corresponding communication to address my disputes. Lastly, I understand the challenges from an operational perspective due to COVID-19.

However, the challenges do not circumvent federal guidelines and or laws. All 3 CRA 's have had more than enough reasonable time to address my issues at or beyond 90 days.

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 2023-07-08
Company: Chime Financial Inc
State: CO
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:
On XX/XX/XXXX, someone attempted to open a XXXX credit card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX fraud department so luckily the application was denied. On the same date, someone successfully opened a Chime Debit Card and a XXXX XXXX XXXX. I successfully canceled and reported the XXXX and Chime card, but was not aware of the XXXX card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since I felt the credit bureaus didn't adequately investigate my dispute, I just submitted a request for an investigation of the disputed items. Records kept by the 3 credit bureaus reveal that it was untrue. The following items must be updated from my file by the three credit bureaus because the credit bureau 's examination was conducted incorrectly. 
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 2018-10-23
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Called everyone in family discussing debt and threatening them without contacting me prior and repeatedly calling my work. XXXX ex XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: NY
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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
My account with CapitalOne was closed in XXXX by CapOne. After closing the account CapitalOne reported late payment activity ( POST ACCUNT CLOSING ) on a closed account. This is a violation of FCRA and FDCPA. Attached is a credit report from XXXX Sent to me on XX/XX/2018 showing the accurate reporting of this account and is attached for evidence that any other reporting took place well after this account was closed. 

I have reached out to CapitalOne via mail and phone with no response. 

Your help in resolving this matter is greatly appreciated. 


Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Early this year ( in XX/XX/XXXX ), I closed other credit cards I did not need that I had with Bank of America. I just started using one personal credit card I kept that was with Bank of America. I recently added few additional users to this account. Bank of America suddenly forced closed my credit card account without contacting me or any other communication. I had this credit card since year XXXX and had a credit limit of {$70000.00}. Current balance on this card is less than few XXXX XXXX. This credit card and my business card both are set to have automatic withdrawal from my business checking account with Bank of America with always a decent balance. My current XXXX  score is about XXXX out of XXXX. I never missed one payment either on this credit card or any other credit card. I had plans to start using this credit card from now on. They also closed my business credit card while closing this account. It is extremely unfair what they did. I called them to find the reason why they closed. Agent could not answer. They said, they sent a letter to me. I appreciate your esteemed organization contact Bank of American reestablish this credit card ( Number XXXX XXXX XXXX XXXX ) and my business card ( Number XXXX XXXX XXXX XXXX ) effective immediately.

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 2022-02-14
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have XXXX XXXX  XXXX credit cards that were put in the bankruptcy in XX/XX/2017. The credit reporting agency reports these as missed payment even though I was never late on these cards. I have been denied credit due to the credit reporting agencies inaccurate statements 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 non-monetary relief