BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: VA
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 accessed my credit report from Experian in XXXX of 2018. I noticed there were MANY instances of my name that I have never used, but were listed on my credit report. I wanted to open a dispute regarding this incorrect information, but was prevented from doing so in an expedited manner, as Experian does not allow online disputes for this type of information, despite the fact they are solely responsible for the incorrect reporting. 

I am currently attempting to purchase a car. Credit scores have direct financial impact on the APR I will pay for a new car loan. Having MANY versions of my name that are incorrect likely have an impact on my credit report. Despite these circumstances, Experian says the ONLY methods by which I can dispute their incorrect information is via XXXX Mail or telephone. I am XXXX and do not use voice telephones. Despite this, Experian refuses to make any other method available to dispute this incorrect information. 

Experian is also reporting MANY unauthorized credit checks on my account ( one company making 5 inquiries in the space of a couple of months ) for which they refuse any type of dispute process. 

In addition, Experian claims to not have an XXXX coordinator for XXXX individuals, and further refuses to provide information for anyone on their legal team, making it impossible to escalate this issue. 

Providing XXXX Mail as the only option for XXXX customers is discriminatory, as able customers can get their dispute investigated immediately, whereas for XXXX Mail disputes, there is an inherent slowness that causes delay, putting the XXXX customer at a significant disadvantage in attempting to make major purchases.

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 2019-09-28
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian In opt out by letter and CFPB and on my Report # XXXX for XX/XX/2021 shows Clarity Services INC/XXXX/XXXX/XXXX XXXX shows XXXX has all these soft inquires. I opt out with Experian. I did not request or ask Clarity for n.o services by phone internet or contract or ask for any credit of any form. 
I have also filed with the US Attorney office and file a police report for fraud on Experian/Clarity If Experian opt out all this fraud would not be going on

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-24
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Please see uploaded documents. 

Regions Bank in XXXX, AL ( XXXX XXXX ) Mislead my brother and me into a bogus mortgage loan. We were told my brother could not get a regular mortgage because he owed the IRS, which he was currently, paying on schedule. Instead of giving my brother a real mortgage loan he setup what I have now been told a balloon loan that was due in 5 years. XXXX could have used the house that my brother had got through XXXX and XXXX auction as the collateral. The house was worth three times the amount that my brother was trying to borrow. There was no reason for my CD to be use for the collateral. As a result of how XXXX setup up this loan and never told either of us that the loan would be due in 5 years, something that I would have never agreed to had that been mention at the time, Regions cashed in my CD and took the money. Now, I am out of over XXXX+ because of Regions, unethical and discriminatory loan practices, plus Regions made a ton of money in interest on this bogus balloon loan. Three other local banks that explained to me what Regions did said my brother could have received a regular mortgage loan and would have never had to use my CD. The money that my brother was trying to borrow and what was owed to the IRS was less than XXXX still way under what the house was valued at. Plus my brother owned land and that was never mentioned. XXXX 's primary focus was my CD.

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 2017-12-07
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
The collection agency XXXX XXXX XXXX XXXX collection account does not have the right to collect if they are not licensed In your state. I reside in Texas and research through the Debt Collector Search the named collection agency office is licensed in XXXX, MO XXXX furthermore, i would like the collection to be removed from 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 2019-04-24
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: Information belongs to someone else

Complaint:
As a consumer I view my credit report as I was getting denied for credit. As a result of this I have discovered 2 accounts reporting on my credit file that is identity fraud.. These accounts are from the collections agency on behalf of XXXX XXXX XXXX for {$2500.00} and XXXX XXXX XXXX XXXX for XXXX.. I have spoken to Equifax on several occasions and provided them with a copy on a police report that was file.. They have failed to remove the item off my credit report. In the event that I am trying to establish a life for me and my kids these fraudulent accounts are putting a hold on my life and I should not have to suffer nor does my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I can not go into my credit report. tried calling and nothing. there is disputes that i have no idea about since then I have been locked out of my own credit report for months already

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 2021-05-26
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In XX/XX/XXXX I had a personal checking account with BECU - in addition to this, I was co signer on my mother 's account, as I was her caregiver and she was on SS XXXX. 

A fraudulent and highly deceptive company obtained a judgement against me without due process of law ( I was not served any documentation ) and they garnished my mother 's account, BECU knew the only deposits made to my mother 's account were SS XXXX checks by automatic deposit. 

Because of this, I closed my account and and my mother passed away in the same month. 

In XXXX I opened a business account with BECU. I attempted to apply for a secured credit card but the teller mistakenly opened a personal savings account. I let it sit there for a few months and decided to stick some money into it. 

In XXXX of XXXX I was finally ready for an automobile loan and applied for one with BECU. First I was approved, and then denied because they said I owed {$38.00} from XXXX of XXXX. I asked them how come I didn't know about this, and they said because they had written it off. They also said they were going to close down my savings account in 30 days. 

Per the WA Statute RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. 

It seems to me this would protect me from any further grievances for a mystery debt I had no idea I owed, also how could I close an account ending with a zero balance and now they are saying I have a debt with them?????? 

Is this discrimination?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filed an earlier complaint # XXXX. Citibank claimed in XXXX that the complaint was resolved. This is completely untrue. The bank locked my account and all the funds and therefore I could not take out any money nor close my account and remove all funds. Be advised I called Citibank 6 times this week, spend three different trips in the branch averaging 1 hour per trip. The Citibank branch on XXXX, XXXX XXXX had me sit at the desk for one hour at a time and then told me sorry your funds are locked up. This is more than {$26000.00} dollars. In the complaint where Citibank closed as resolved I tried to reach the rep noted 6 differnet times with no response nor any return phone call. I want the funds in a cashers check and I want to permanatly close these accounts. I am trying to understand how the bank can tell you this is settled when it has not been.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon receipt of my recent credit reports from Transunion, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at XXXX XXXX ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at XXXX XXXX of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, Transunion, and XXXX Credit Reports.

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 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Capital One. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Statebridge Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a previous complaint against Statebridge Company LLC case # XXXX XXXX which they admitted fault and sent an email saying they contacted and corrected the reporting and asked to remove all negative reporting because the loan was current, So I tried again to refi and they only removed the XX/XX/XXXX Lateness, They left the XX/XX/XXXX Lateness on and ADDED a XX/XX/XXXX120+ day lateness to my report, Their faulty and sloppy reporting is costing me money as interest rates are going higher by the day, I've started this Process in XX/XX/XXXX its now Almost XX/XX/XXXX ... .. everytime I contact Statebridge they tell me I have a 5 Business day to get a response, This is so Unfair to me and unprofessional of Statebridge, They don't even deserve to have a banking license!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/20 I received results on my dispute being proven accurate, I think it is incorrect. My credit score dropped 38 points because of my student loan which shouldnt have happened because of the covid-19 pandemic, no loans are required to be paid until XXXX due to the CARES ACT, so my credit score should not have been negatively affected.

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 2018-05-02
Company: National Credit Systems,Inc.
State: CO
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 and XXXX XXXX working with XXXX at XXXX XXXX. Said I owe {$2600.00}. an if paid in 30 days it would not go higher. Attached are the payments. they said it would be Reported to the Credit Reporting Agency 's. National Credit Systems is handling this, and laughing every time I call to have my report updated. National Credit Systems should be sued so they close their doors. the Malpractice they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
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: Problem with personal statement of dispute

Complaint:
As I have stated over five or more disputes, XXXX XXXX does not have the correct dollar amounts shown on my credit report. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. Please remove XXXX XXXX from all three credit bureau reports for the reason of inaccurate reporting. I prefer that we both avoid the pursuit of my rights under 15 USC section 1681n and 1681o, which require your compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " XXXX XXXX multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " XXXX XXXX '' is reporting a false missed payment on my report. I called " XXXX XXXX '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of XXXX XXXX and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " XXXX XXXX   again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " XXXX XXXX  kept reversing my payments. The Creditor " XXXX XXXX is giving me a hard time, i  am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the 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 2018-05-02
Company: The Outsource Group, Inc
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 explanation
Consumer complaint received 2020-05-06
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I c systems during a pandemic actually hit my credit score for XXXX dollars from doctor XXXX. A doctor who in fact didnt do anything to help her patient XXXX her assistant had to me come in for my note .. and then doctor refused to give it asking why i was there .. I told her well I dont need referrals and the nurses all told me to come in over the phone .. I then walked to administrative department there getting into a full argument because I missed a whole day of work where which I get paid hourly cause of her. Ask the admin manager.. i havent been back to her office since. Also are they even allowed to hit my score during a pandemic

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 2019-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 90 - 120 days past due on the DEPTEDXXXX and US DEP ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8, 14 and 15 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief