BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XX/XX/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 2023-04-28
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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-12-01
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX paid {$2200.00} out of my escrow account to the wrong insurance company. The payment should have gone to XXXX XXXX, my insurance company, but it did not. I have called loandepot at least six times and have spent over an hour on the phone with them each time. I have been told that they will get the money back or that they will cancel the check but that has not happened. As of today, XX/XX/XXXX, the money has not been returned to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I filed a claim with Bank of America edd for my unemployment benefits that were wrongfully denied. Besides the fact that this has tremendously set me back and caused me hardship. I called for reconsideration and filed the dispute again but i have not got a response regarding my provisional credit or anything regarding my money. Please help me resolve this matter i would really appreciate it.

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 2020-12-09
Company: U.S. BANCORP
State: AL
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 notification in XX/XX/2020 that I had a late payment reported on my credit. US Bank holds my mortgage and I set up my account for autopay months before that. They had an internal error and did not pull my mortgage payment in XXXX  and failed to notify me of the mistake. They reported a late payment on my credit even though it was their fault. I called them and two customer service agents told me that it would be removed. It's still being reported on my credit file and they haven't taken it off yet. It is killing my score 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 2023-10-09
Company: CCS Financial Services, Inc.
State: NC
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:
This company is reporting on my credit file as a collection under 3 different collection agency names. No information to verify the debt belongs to me. This company is in violation of the FCRA reporting standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
During the covid pandemic on 2020 I did a forbearance with XXXX XXXX, this due to my Family and I having a tuff financial hardship. The amount due was added to the back of the loan and spoken with the agent no credit was going to be affected. now this shows on all 3 credit bureau with different days.

attached all 3 credit bureau and closing disclosure

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 2018-02-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged an overdraft fee for a purchase of {$210.00} initiated on XX/XX/XXXX and posted XX/XX/XXXX. On Tuesday, I also received via direct deposit my tax refund of {$2800.00}. On XX/XX/XXXX I initiated a transaction for {$2000.00}, which posted on XX/XX/XXXX on that same day i was paid around 1,000 dollars. On both  occasions I was assessed an overdraft fee for pending charges and during both times those funds from my transactions was not held/removed from my account on the Citibank app. So when i went to look at my account before i made another transaction I thought I had more money in my account than was actually there. During that week I had pending credits that would cover any " overdraft ''. Citibank charged me two overdraft fees for pending purchases ignoring the pending credits that was on my account.

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 2023-10-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-16
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an XXXX XXXX XXXX XXXX  managed through Comenity Bank. I've never been late with a payment and have enrolled in automatic payments direct from my checking account. The XX/XX/2023 payment was missed due to NSF 's since a lot of payments hit at once. I never received an email letting me know this happened. Instead I received XXXX calls in XXXX hours in one day from XXXX - XXXX during my weekly work meeting, XXXX days from when payment was due. All for {$51.00} When I had the chance to finally pick up, I told the rep how aggressive and overkill it was to call that many times. I went on line and made the {$51.00} payment. The phone continued to ring after that. For crying out loud! Really? 

Thank God for XXXX in XXXX programs. In with XXXX in XXXX and out with the old revolving debt card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo took money from me and closed my account I had {$7000.00} dollars and my account I was getting paid regular and my work checks was mobile or atm deposit they still haven't gave me a good enough reason on y they closed it

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 2021-09-03
Company: EQUIFAX, INC.
State: VA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This is pertaning to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ND XXXX XXXX. I reported fraud on this on XX/XX/2020 In the amount of {$940.00} Account XXXX through Chex systems and now this bank has tied itself to my current savings account which is now put on hold untill I pay in full or show proof that it has been removed from my report which it needs to be because I did not open this account nor did I write checks. This is Identity theft and I want to report it as so.

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 2021-02-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to LVNV at XXXX XXXX  XXXX XXXX, SC XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by XXXX. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. 



It has now been well over the allowed 30 days and LVNV Funding has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
During months when i called and ask for help basically put it in forbearance they made my account late resulting my credit score to drop almost 100 points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: SC
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:
I am trying to get the old inquiries off my credit so that I can see an improvement in my score. Can you please remove them for me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My experience with the company have been a total nightmare. I have an account with the company that I had to close due to all the fraudulent activity since XX/XX/XXXX. I have disputed the amount of {$2800.00} with the company and was just advised no error was found and no one can explain why. Every time the company sent a new card when it was activated unauthorized transactions occurred. This have been since XX/XX/XXXX. I have been calling and calling and there is still no resolution. I honestly feel some fraudulent matters are happening internally as well. Someone changed my username and password several times and I was advised it only could be done internally. I have spoken to several representatives and asked to speak with a supervisor many times. Every time a supervisor is requested I am kept on hold for hours and no supervisor answer the call. A supervisor finally called me back after I was advised will receive a call within 30 minutes. However, the supervisor called at XXXX XXXX  EST so I missed the call. I am working with the XXXX XXXX XXXX as well. This issue have been going on too long and have impacted my household. I was advised I will receive a provisional credit and now advised no error was found therefore no credit will be issued. The employees can not explain why and state they have not received the disputed information and I sent it 3 times and received the mailed delivery email. The account was open over a decade and now I am experiencing this. Direct deposits were made from my employer to the account every XXXX  and once made it seemed as if unauthorized transactions were made. I have not used the card since XX/XX/XXXX then called to request to deactivate it due to fraudulent activity and some how the funds deposited into the account were still used. 

I have been calling since XX/XX/XXXX ; however, the dates listed are some specific dates. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. This is multiple times most days. The only reason why some calls stopped for a while is because we were advised we would receive a provisional credit.

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 2019-11-24
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2017 my husband had an accident and was unable to work resulting loss of income and unable to pay bills. I sought a loan modification. The whole process took almost 8 months. I was advised not to make a mortgage payment while the bank was making a decision. I fell incredibly behind!!!!! 

I had the loan mod approved and have now made on time payments for 10 months now. I have called and asked as a good faith gesture if the bank would help me out and remove some of the negative payments on my credit report. I have called, emailed and emailed and called again. I was told to dispute with the CRAs which I have and had ZERO resolve. 
Id like Amerihome to look at my account and review as to if any can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2020 I applied with XXXX XXXX XXXX for a VA Home Loan, FHA Home Loan, XXXX home Loan, and a XXXX Home Loan. XXXX XXXX at ext. XXXX was the Mortgage Specialist I received email contact from and spoke with a XXXX XXXX ext. XXXX in the Client Advocacy Division, this criminal was very combative and XXXX, BOTH of these criminal refused to discuss my Option ( XXXX ) for my Earned XXXX VA Mortgage Loan, they thought the non-communication GAME would trump, Not on my Watch, I'm a Pit-Bull, I Fight Back. To-date I've Not gotten any correspondence from anyone within the XXXX XXXX XXXX, Compliance, General Counsel and the President of XXXX XXXX hasn't taken my call for the " STATUS '' of my Loan ( s ) request, VA, FHA, XXXX, and or a XXXX Home Loan  as a XXXX Veteran and XXXX Strong & Powerful Consumer Demanding a HOME Loan. I've reached out to XXXX, and I've advised XXXX of my instructions for non-delays, let me explain, just like I file 439 XXXX Congressional Inquires, I advised XXXX, that I will reach out to Congressman XXXX XXXX XXXX office and Senator XXXX XXXX XXXX office to instruct this governmental Agency, XXXX of their XXXX duties. Systemic XXXX XXXX acts will Not prevail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
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:
I have ( 3 ) accounts that are inaccurate on my credit report.

( 2 ) accounts from XXXX XXXX XXXX ( loan and credit card ) ( 1 ) account from XXXX XXXX  ( loan ) 15 USC 1681A ( 2 ) - I didn't give written permission to have those accounts furnished 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 2021-09-03
Company: CL Holdings LLC
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:
This account has been disputed on numerous occassions. I have been disputing this account for over 2 years. The company removes the collection account and keeps adding it back on my credit reports. I have never done business with this company or the original creditor. 

JEFFERSON CAPITAL SYSTEM Reported : XXXX XXXX, XXXX  - {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: LA
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:
They are reporting inaccurate information on a paid off account. {$150.00} at the place where the debt come from but its still have it reporting 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
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: TX
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:
According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights. 

Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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