BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I recently sent a completed form requesting my free annual credit report from XXXX and Experian to the address on the form at XXXX in Atlanta. 

Although XXXX sent a report that is an utter outrage ( Confirmation # XXXX ) and sold my information in violation of my rights to XXXX different companies during a time when a credit freeze was supposed to be on my account, I have yet to receive a report from Experian. 

I will file a separate complaint for the host of inaccurate and incomplete information on my XXXX report, but please shut down XXXX and stop, once and for all, its profligate profiteering and trafficking in my personal information, while its parasitic injury is allowed to continue. 

XXXX has had so many violations of the law long before its infamous cyber hacking that it needs to have a court appointed special master to liquidate its assets without further excuses. In the interim, the CPBP should seize every asset it has and the Department of Justice should jail its board of directors and corporate officers. Their personal assets amassed on the backs of millions of abused consumers should also be stripped from them and go into a victims fund for all the people it has injured, wantonly, for decades. 

The CFPB should also immediately force Experian to mail me a copy of its file on me to the address on the form I used to obtain the XXXX report. I will be applying for a mortgage related to a small business in the next month or two, so all corrections need to be made immediately. 

Since XXXX rarely complies with the law, it should NOT be given weeks and months to correct the damage it is now reporting in my credit file.

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: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/15. 
XXXX XXXX XXXX Armada Corp is trying to collect bill that is not mine. False reporting to credit bureas. I contacted them directly and asked for proof of my bill. They never sent or provided proof. False bill. Not mine. Very rude company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NJ
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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-03-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Lakeview Loan Servicing increased my monthly payment by {$540.00}. I inquired about this to try and understand it better. It has come to my realization that they have charged and set lender based hazard insurance on the property. In Mid XXXX I submitted proof of insurance. I closed on the property on XXXX XXXX. It has not even been a full year and I have been fully insure the entire time. 

I called again to inquire on the account and my insurance rep with XXXX XXXX has submitted my proof of insurance twice. They still have not changed my monthly mortgage payment amount. 

I also submitted my tax bill which they increased my estimate to {$7700.00}, which my tax bill in XXXX was only {$5300.00}. They still have not changed that either. I have been left with no other options besides reporting this to the CFPB. My lender said I should report this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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:
I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all 3 bureaus about this mistake. 
Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX SER Date of Inquiry XXXX  & XXXX  Date of Inquiry XX/XX/

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 2020-01-15
Company: Capital Accounts, LLC
State: FL
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: Billing dispute for services

Complaint:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i notice some inaccurate information on my credit report so on XXXX XXXX i sent some letters to all 3 CRA 's requesting the validity of the inaccurate and incomplete information reporting on my credit report, per 15 usc 1681i. I haven't heard anything thus far and this is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Starting on Saturday XX/XX/2019 I have been trying to log into my Cash App by Square account to access my money. The only way to log in is for them to send you a log in code either by text or email depending on how you registered for the account. Well my account is registered by email and the log in codes are not being emailed or not emailed on time because when you finally do get it hours later it has expired. Ive been without my money for days now and Im on vacation. You can not call anyone only email or tweet on XXXX and their response time is awful. I truly feel like Cash App needs to be investigated if not shut down but not before I get my money. Need to change my direct deposit quick.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase Bank cancelled my auto-payments without notice. I had a 100 % payment history since XXXX. They claimed they told me that payments would only be scheduled for 12 months when I spoke with them in XX/XX/XXXX to reset them. However, they did not tell me. I was told they would continue indefinitely. When I called Chase to dispute that they told me that, they said they would find the phone call recording. A week later, they wrote back to me THEY COULD NOT FIND THE RECORDING. 

The only reason I was alerted that my accounts were past due was because credit monitoring services alerted me. Not because Chase did. By this point, it was too late to prevent harm from my credit score. Upon this notice, I completed payments in full and became immediately current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to file a formal complaint against XXXX XXXX XXXX, a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report. 

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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 2020-01-15
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Get calls multiple times every day. Started on XX/XX/2020. They never once left a voicemail. I answered once ( XX/XX/2020 ) ... they said it was " state collection service ''. I told them I would make payments when I'm able to. They have no respect at all. Still continues to call me multiple times a day. This is harassment and needs to stop!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a business checking account with Bank of America around mid XXXX as a secondary business banking option, since it was not my mine account their was minimal traffic on the account until my business outgrew my local situation. early XXXX I found a company that XXXX XXXX XXXX XXXX, early XXXX we made our 1st large sale of XXXX units at {$87.00} per unit. 
the initial deposit was paid out to my business via a 3rd part POS system and the remainder was wired to my BofA account on XX/XX/XXXX .... 
XX/XX/XXXX I was locked out of my account, my funds were never released and I was left with a XXXX tab with my vendor do to this situation and when I went into the XXXX Minnesota branch of Bank of America the branch manager made a slick comment " He doesn't look like eh type to warrant these types of payment '' .... 
XXXX this I am still fight to recover my funds.

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 2021-05-24
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: Old information reappears or never goes away

Complaint:
XXXX is incorrectly reporting an account that has passed the 7 year mark. This account is over 8 years old and the other credit bureaus have deleted the account over a year ago but Equifax fails to update credits reports resulting in inaccuracies and causing adverse effects on my ability to obtain credit elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
MY NAME IS XXXX XXXX NOT XXXX XXXX Your representative lied and said that " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' They did this because they have violated the law and you will be sued for the damages you have caused me and my family. I was turned down for 4 home loans as a result of you allowing 2 fraudulent accounts on my credit. 

It's been over 45 days and the problem still has not been resolved. Enclosed is proof : RE : FAILURE TO RESPOND TO DELETION/CORRECTION LETTER On XX/XX/2020 I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 


The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. I have contacted the Federal Trade Commission and advise them of your companys blatant disregard for consumer protection laws. 


The following accounts are both invalid and inaccurate : XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX acc # XXXX THIS IS A DEMAND FOR FULL COMPLIANCE social XXXX My name nor my address match any of these accounts opened by identity theift. Your company has lied and Now I will be suing. I have sent 609 letters over 45 days ago with no response, there for you have violated federal and state law. 
How can you verify wrong information?

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 2023-12-07
Company: EQUIFAX, INC.
State: FL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EOS Holdings, Inc.
State: PA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items in 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation