BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: AMERICAN EXPRESS COMPANY
State: DC
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 am a single mom with XXXX kids who suffered extreme XXXX XXXX XXXX XXXX by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with AMEX after I told them what has happened and that I am not responsible on these accounts and they were fraudulently opened by my ex husband but they kept harassing a few times a day over the phone and threatening me to take me to court if I won't pay. AMEX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and then they promised me to decrease the amount and delete the information from my credit report if I would settle. I followed their instructions even though I was evicted and barely had money to feed my kids. After months of payments, I finished and called them to delete the accounts as promised by their employee- the account manager at that time- Mr. XXXX however , they refused to delete the 3 accounts and said that XXXX doesn't work there anymore and can't verify his promise to me. I contacted the credit companies with regards to 3 Amex accounts and provided them with all the information, my eviction letter, a police report about my ex husband stealing all we had and explaining to them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. I am staying at a two bd apartment with a friend and since the schools are reopening I was asked to leave because she doesn't want to take the risk of getting Covid-19 when the kids attend school. No landlord is willing to rent me a place due to those 3 Amex accounts that are a result of identity theft by my ex. Please help me asap remove these three accounts from my credit repots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
We sold our Property on XXXX. We ordered a payoff in XX/XX/XXXX to payoff the property due to selling the home. We made our XXXX payment on XX/XX/XXXX. as we always do each month. After we sold the home and paid off the mortgage we received an alert that we had a 30 day late payment on our credit for the month of XXXX. I spoke to LoanCare LLC on XXXX XXXX. concerning the issue. I explained to them I have the Confirmation email that the payment was paid. They stated they didn't see a payment was made and I should just dispute the late payment through the CFPB and the 3 Credit Bureaus as their internal dispute department would take up to 90 days. I need this rectified as soon as possible, so that is what I'm doing. I'm filing the dispute and reporting this error with the CFPB and the 3 credit bureaus. I am uploading the confirmation email I received on XX/XX/XXXX that I had made the payment. Thank you. 

Lenders Info : LOANCARE , LLC XXXX XXXX XXXX XXXX XXXX VA 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 2020-01-27
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a dispute with Citibank regarding unauthorized charges & they started an investigation they requested more time but never communicated with me for over 3 years then suddenly I received a Court Summons from XXXX XXXX XXXX to appear in court for an excessive amount & I requested a list of all charges & I have not received same. XXXX Account # 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 2020-11-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent a dispute to the Credit Bureau and they failed to respond within 30 days. I sent another letter explaining that they are violating the law and they are not complying.

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 2020-11-16
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I became a victim of fraud XX/XX/2017 between the XXXX   through the XXXX  ( actual date is unknown to me because I was locked out of my account and have not had access to much information since ). A check was deposited into my account in another state, I never received any fraud protection alert via email, text, call or any other preference that was set. As a result of this {$930.00} deposit Bank of America closed my account. Since then I have been reported to the early warning agency and have not been able to hold a successful account since. As I had no knowledge of this, I continued getting my statements in the mail ( Which I was not getting right away because my billing address is my hometown and I am away at college ), but nothing via email. I was never given the opportunity to report the fraud or resolve this conflict and it has negatively affected me in many ways. The last mail I received was a account closing notice. I have written letters to the bank and am hoping to hear back soon, I have no received any further response from early warning besides my consumer report which I have also taken steps to resolve.

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 2021-04-25
Company: Northstar Location Services, LLC
State: NV
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: Card was charged for something you did not purchase with the card

Complaint:
The last time I used my XXXX XXXX ( # XXXX ) for the amount of {$5000.00} was to pay for my son 's XXXX XXXX XXXX on XX/XX/XXXX which was paid in full over time. Since then I have not made any purchases over {$500.00}. 

I was surprised to see up to {$10000.00} used from my account which had a {$12000.00} credit limit on my card on around XX/XX/XXXX. I called XXXX and told them about the fraud. They said they will check and let me know. I made so many calls and they keep saying they will check into it No one from XXXX Bank called me to verify the large and suspicious transactions or ask for approval. They could see that the transactions are not my typical purchase activity. 

Within the same week the agent said they can't stop the funds being withdrawn. XXXX 's cancelled my card and issued a new card ( # XXXX ). I assumed that the issue was settled. My new card 's credit was reduced. When I spoke to a account manager, she said I am liable for the fraud and have to pay the whole amount. I did not receive any correspondence or calls from XXXX 's since this incident. They refused to communicate with me or my calls to them XXXX has cancelled/closed my credit account in XXXX, XXXX. 

I just received a letter from the collection agency for the amount due. XXXX waited 13 months for the statue of Limitations to expire before sending this letter and a week to respond. They have destroyed my credit rating. They also added interest of {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filled already two times a complaint with XXXX, the first time the email was lost and the 2nd time it stated the problem was solved. Beginning of this year I went to XXXX XXXX and looked for furniture, because I was in the progress of buying a house. We looked at furniture a couch and a Dining set. The sales person wrote down some prices however not a detailed listing. The sales person told us we could do Payments or even apply for a in store credit card for the Furniture. I filled out the application for the Credit card and was approved. However we just looked at furniture at the time and see how much it would cost us and how long it would take the get the merchandise. The sales manager told us NO MERCHANDISE will be ordered until we mad a original payment of {$25.00}. WHICH WE DID NOT MAKE. After we left the Manager took it up on himself to charge the Credit card for the Furniture. We never got the Merchandise and I found out when I received my Bank Statement from Synchrony Bank he charged and maxed out the CARD. WHEN WE CALLED THE MANAGER TOLD US HE ORDERED THE MERCHANDISE ALL HE NEEDED WAS A SSN AND HE HAD THAT. EVEN BREAKING HIS OWN POLICY NO MERCHANDISE BE ORDERED UNTIL THEY GOT A PAYMENT OF {$25.00} WHICH THEY NEVER GOT. We went to the store again, and were finally able to speak to the store manager which was not the Person we were dealing with, this time it was a women and the first time it was a male. He claimed he was the Manger to turn out he wasn't, Well the Manager said she will work with us and get us the merchandise however all the sudden the merchandise was over 1 k more than what they charged my card with. So we ask if they price matched and we got told they did. We found 3 different sellers with the same merchandise over half cheaper what they wanted from us. All the sudden they did not price matched no more. Then we ask to refund the money on the credit card since we NEVER got any Merchandise and the Manager tried to see if we would like something else for the Amount which was charged. Well we did not like anything so she finally agreed to credit the money back to the Credit card. This has not happen to this day. I get charged late fees for a credit card I never used. And I have no Couch or table to show for. We addressed this twice to XXXX  and they claim the problem has been solved. IT has not. Now we were informed to contact you, and I hope you are able to help us with this matter. 
Besides this matter went on my credit report, however I refuse to pay for something I did not charge. I hope you are able to help us to solve this matter, since we been dealing with this since 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 monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please accept this letter because it is very important for me. This inaccurate information is destroying my report! I hope we find mutual understanding and you will remove these accounts from my report as I do not recognize them, they are not mine and I do not know how they appeared in my report. I am identity theft victim and please help me. I am forced officially complain about that you are reporting inaccurate and incomplete credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: MD
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:
When i checked my credit as i often do, i saw that XXXX XXXX placed a {$10000.00} and {$1300.00} collection on all XXXX of my credit reports which is false and untrue. When i contacted XXXX XXXX demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly XXXX XXXX has not validated any contract that i consented or agreed to with their company. XXXX XXXX has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.

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 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transferred from my Bank of America account to my account in XXXX on XXXX XXXX {$1.00}, in order to pay a home loan and the funds never arrived, on other occasions I had done it without problems I contacted the bank 's Security Department by phone in XXXX / XXXX in view that it had taken many days and they told me that they would refund the money in 30 days, which did not happen In XX/XX/XXXX I traveled to the United States and on XXXX at the XXXX XXXX XXXX FL agency, the advisor XXXX XXXX took the claim under the number XXXX and so far they have not returned my money, I have called many times and they only tell me that it is under review, I have never received any communication about why they have not refunded my money Number Ref 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 2018-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Creditor is Bank of America and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.

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 2022-08-06
Company: Checkr, Inc
State: NY
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:
On agust XXXX The background check company Checkr Is sharing information about a XXXX XXXX XXXX conviction. 
The conviction is from XX/XX/XXXX Arrest date XX/XX/XXXX According to New York state fcra rule background check companies have a 7 year limited scope to screen potential job candidates. 

This has never been a problem with other background check companies, checkr is the only one causing adverse actions against 11 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 a collection account being reported from XXXX XXXX XXXX for {$260.00} that is over 3 years old. I have two issues with this. First, my insurance should have paid more on this debt. Second, this debt is over three years old putting it outside the Kansas Statute of Limitation, which means XXXX XXXX XXXX is attempting to force me to pay this disputed debt by wrongfully reporting the item to my credit bureau as a means of extorting me. 
This account is disputed and is not owed. XXXX XXXX XXXX knows this, and yet has not followed their requirements to show this disputed as required by the Fair Credit Reporting Act. 
XXXX  XXXX  XXXX  must immediately remove the account from my credit bureau or I intend on filing suit as per my attorneys advice I have rights under the Fair Credit Reporting Act.

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 2018-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are five steps to submit your complaint : Step 1 : What is this complaint about? Equifax 's Dispute link doesn't work. I only have that one session to view my report or make corrections and I would have to pay for another report in order to return to the site to see if the link is fixed.

Step 2 : What type of problem are you having? See answer above.

Step 3 : What happened? See answer above Step 4 : What company is this complaint about? Equifax Step 5 : Who are the people involved? Equifax and XXXX XXXX XXXX XXXX as XXXX show I am in collection but have paid off my account. That's what I was going to dispute, the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Accelerated Financial Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Accelerated Financial Solutions, contacted a XXXX year old family member, & told him that his cell phone number was given to them by me as my main contact phone number. XXXX was the contact person. She also told him that she is trying to reach me. This happened on XX/XX/18 at XXXX. I called her back immediately, and she told me that I owed over {$900.00} to a company I've never heard of. I told her that this is a scam & I am going to report you to the FTC, & to my states attorney general office. I then got a call from XXXX & another lady.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: Experian Information Solutions 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:
I went to a XXXX XXXX  and asked for my XXXX XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on my 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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed TransUnion, XXXX and XXXX Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

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 2018-10-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Companies- XXXX/Equifax. Account.XXXX. Reporting inaccurate information on my credit report since XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX . Please remove this inaccurate item from my Credit Report as soon as possible if you have no proper reinvestigation proof. Thank you

Company response to consumer: Closed with explanation