BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: CA
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/XXXXXX/2010 shows late. This account was paid and closed from collections. It listed as late to date and has been listed for more then 7 years, this is illegal. It had credit score lower then correct number and has caused damage to loan approval. My XXXX and XXXX is XXXX score whike experian ia the continual problem and non truthful reporting.

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 2020-02-15
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: Information belongs to someone else

Complaint:
The following accounts are unknown authorized users accounts that's on my credit report inwhich i have absolutely any knowledge of and I'm demanding that they are removed from my credit file immediately. 

1 ) XXXX XXXX XXXX Credit Card 2 ) XXXX XXXX  Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: CA
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:
Ive contacted XXXX  XXXX numerous times to report Im a victim of identity theft However they are not doing anything. They keep claiming its mine without proving any information. This is not mine and needs to be removed.

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 2020-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Ive contacted capital one numerous times to report Im a victim of identity theft However they are not doing anything. They keep claiming its mine without proving any information. This is not mine and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Account status incorrect

Complaint:
I received a letter from my mortgage bank that my account was delinquent for the XXXX payment. This was around XXXX XXXX. My payment is automatically taken from my bank, and the money was deducted from my account. Unknown to me, the bank raised the amount due by {$50.00} to cover additional escrow. Because it was not the new FULL amount, they would not credit my account. 

When I spoke with them they explained what happened. I submitted the difference and adjusted my automatic payment to reflect the increased amount. The late charge was reversed. They did not tell me that this was reported to all 3 credit agencies as delinquent payment. I called them on XXXX XXXX to ask them to update the credit agencies that the payment was not late. According to law, I was told, they could NOT change the report. Because they mailed a letter that the escrow amount was increasing, my only recourse is to file a complaint with this agency. 

They received the full 100 % of the mortgage and the current full amount of the escrow, on time. They need to go back and fix my credit history so that it does not reflect that this was a late payment. They received over {$2000.00} on time, the gap which I was not notified is the ONLY cause for a delinquent payment. I want my credit score fixed to reflect the reality that I do pay on time.

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 2020-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them agreeing to pay them for services nor goods

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: ACS Education Services
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I had to choose incorrect previous options because there was no option that fit my situation. I had a student loan through the University of XXXX, XXXX that is currently being serviced by Conduent Education. If you see the attached picture, their website is down as of today, XX/XX/XXXX. It has also been down frequently over the past month. I'm attempting to pay my loan which garners interest daily, however am unable to even get to their website. I do not have a contact number for their company or current paper statements, as I was urged by the company directly to go paperless for my statements. Since their website is down, I can't get into contact with the company at all, unless I use a third party, privately owned, social media platform, and hope they can fix my problem instantly. However, most people in America are not on XXXX. Or, I could alternatively gamble on a random number I find online, and hope that providing my private account information to a potentially fake company wouldn't happen. Every day I can not pay my current balance, I garner additional, daily interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Public record information inaccurate

Complaint:
The California XXXX XXXX XXXX placed a lien on my bank account on XXXX XXXX, XXXX claiming we owed the state XXXX taxes. This was incorrect, as were were living in Virginia in XXXX. I faxed y XXXX Virginia tax filings to the XXXX XXXX XXXX, they agreed, lifted the lien, and sent me a notice saying the lien had been recorded in error. 

However, my credit report with TransUnion ( and possibly other agencies ) still shows the lien. I called TransUnions " Consumer Relations Department '' at XXXX, but it is only a recording offering to send me a copy of my report, but no option to correct errors.

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 2017-07-08
Company: EOS Holdings, Inc.
State: CA
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:
There is an address on my credit report that is incorrect. I never lived at that address. I never applyed for anything using that address. I have no idea where that address is located. How I found out about that address was thru a debt. collection company calling me, trying to collect on a XXXX XXXX XXXX bill. I have never opened or appled for cable, or any other services that XXXX XXXX provides. The address on my credit report is XXXX XXXX XXXX XXXX Ca.XXXX. Address ID. # XXXX I have never in my life lived in XXXX Ca . or recieved mail at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
WRONG PHONE NUMBERS I have only 2 numbers XXXX XXXX XXXX XXXX no other numbers or cell or home phone numbers in my name all these other number on file do n't belong to me and I want proof from the credit bureaus of such phone numbers in my name.

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 2020-02-15
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: Account status incorrect

Complaint:
To whom it may concern, I have sent dispute letters to Equifax, XXXX  and XXXX to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX.

2. Round 2 was sent in XX/XX/XXXX.

3. Round 3 was sent in XX/XX/XXXX.

4. Round 4 was sent in XX/XX/XXXX.

I have charge offs remaining on each credit report from Equifax, XXXX  and XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX   and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

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 2020-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
ALERT ALERT ALERT XXXX XXXX XXXX BANK OF AMERICA OPENED A ACCOUNT XXXX IN MY NAME IN XXXX AND ISSUED A DEBIT CARD ON MY SOLE OWNED BANK OF AMERICA ACCOUNT. THAT WAS NOT OPENED UNTIL XXXX AS PER BOA REGULATORY XXXX!!!! 
XXXX AND BANK OF AMERICA regulatory XX/XX/XXXX letter response to the CFPB AS PER ATTACHED ... BANK OF AMERICA STATES in their review that as per their records my sole account of XXXX WAS OPENED XX/XX/XXXX. ... ... THEN BANK OF AMERICA LETTER dated XX/XX/XXXX that I never received and reported it to the CFPB and bank of America thru my feedback comments THAT I NEVER RECEIVED A BOA RESPONSE. I also reported interception of my us mail again in XXXX to the Federal Law enforcement of the USPS. My claims of fraud and identity theft has been confirmed by Bank Of Americas regulatory commissions letter dated XX/XX/XXXX. ATTACHED ... ..THAT IS WHY IT SHOULD BE RLEQUIRED THAT ALL CFPB COMPLAINTS RESPONSES BE SENT THRU THIS PORTAL CFPB AGENCY FOR RECORDS AND NOT Directly to the consumer ... I would have caught the stolen boa correspondence!!!! my ongoing complaints and reports of fraud and identity theft in person to boa since XXXX to XXXX manager at XXXX XXXX XXXX XXXX XXXX va bank of America. 
Bank of America 's letter dated XX/XX/XXXX review findings is attached. It clearly RECORDS AND documents my stated reports to the CFPB and other state and federal agencies ... THAT BANK OF AMERICA FAILED UNDER THE LAW TO PROTECT BOTH MY IDENTITY AND INFO AND MONIES..BANK OF AMERICA OPENED A ACCOUNT IN MY NAME TO UNAUTHORUZED ENTITY PERSON AND THEN UNLAWFULLY ISSUED A DEBIT CARD # XXXX ON my sole owned account of XXXX XXXX XXXX XXXX ON XX/XX/XXXX ... ... ALERT!!! ALERT CFPB!!!!! BANK OF AMERICA HAS OFFICIALLY STATED On bank of America 's regulatory commission review letter dated XX/XX/XXXX that I never received until XX/XX/XXXX -- -THAT A DEBIT CARD # XXXX XXXX WAS ISSUED ON MY SOLELY OWNED ACCOUNT XXXX on XX/XX/XXXX -- -- that bank of America stated WAS NOT OPENED UNTIL XX/XX/XXXX in their XX/XX/XXXX response to the cfpb complaint of mine.

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 2017-11-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working on a loan modification with XXXX XXXX XXXX for over 5 years. I completed numerous RMAs, continuously provided documents, pay stubs, bank statements, tax returns, W2s, letters of hardship, etc. It has been an endless request for and submission of documents. However, no one can tell me the status of the application. They just send me a new RMA to start over. To help us get the modification, we started working with XXXX XXXX, a community housing program in XXXX XXXX. XXXX submitted a modification package for us. Over the last year, XXXX has been in the same perpetual circle that we were in. XXXX has asked XXXX to start over 5 times and like us, they just keep sending in documents with the only response being more of the same documents and then a request for a new RMA and start again. This process is grossly unfair to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
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 fraud alerts or security freezes

Complaint:
I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, XXXX & experian. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. 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 2020-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a Pre-approved Letter for a Credit Card from Capital One, where I have over {$90000.00} in their Capital One 360 Savings Account. The Credit Card Offer was a No Interest Offer. 

I went online, filled the application up to the point of " Submit '', hit " Submit '', but the link sent me to a unmarked box that wasn't checked. I hit the box, it scrolled out the Terms of the Credit Card, then in two seconds it disappeared. I had a blank screen momentarily, then I got a " Denial '' screen, telling me I wasn't approved for the card. 

I never hit " Submit '' after being sent to that unmarked box. I was reading the Terms when it all disappeared. I never agreed to the Terms and I never properly submitted the application. 

Within SECONDS, I had THREE e-mails from Credit Reporting Agencies telling me I just had a " Hard Inquiry '' on my Credit Report. 

Upon calling Capital One at around XXXX XXXX, I was told to call back at XXXX XXXX  at a different number and they would fix the problem for me. 

Upon calling that number at XXXX XXXX  ( when I had some time to do so ), I was told that they couldn't do anything about it and Capital One attempted to do nothing about it, even though I was told right after their link malfunctioned at XXXX XXXX  that I would be taken care of at this other number. 

I'm currently filing Complaints and seeking Legal Counsel regarding these " Bait and Switch '' practices and the malfunctioning application link of Capital One. 

I have suffered damages to my Credit Reports. I have suffered the loss of time, energy, and money fixing Capital One 's mistakes. 

I plan on recovering all Compensatory Damages caused by Capital One. 

I Do So Declare, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: CA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
XXXX and XXXX I have never dealt with this company and have not had any lease accounts in my name. I have been in a totally different state. The information came from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital Systems is re-aging an old debt from XXXX XXXX in the amount of {$3300.00}. They are reporting that this account was opened in 2018 and is not true. I have disputed with all three credit bureaus to only be told the account is " verified ''. I have not received a signed contract nor any verification to support that this information is correct. The practice of re-aging an account is illegal and needs to be deleted from all three credit bureaus immediately. I have sent via certified mail a debt validation letter and have not received response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following fraudulent accounts currently listed on my Equifax credit report keeps reappearing on my credit report : XXXX XXXX  XXXX XXXX, {$5900.00}, XXXX XXXX XXXX, {$2000.00}, XXXX XXXX XXXX, {$4800.00}, XXXX XXXX XXXX, $ {$19000.00}, XXXX XXXX/XXXX, {$1700.00}, XXXX XXXX XXXX, {$22000.00}, XXXX XXXX XXXX XXXX, {$8300.00}, XXXX XXXX XXXX XXXX, {$950.00}, XXXX XXXX XXXX XXXX, {$29000.00} and the XXXX XXXX XXXX, {$370.00}, Equifax has deleted the fraudulent accounts numerous times, but the fraudulent accounts keep reappearing on my credit report.

Company response to consumer: Closed with non-monetary relief