BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX  XXXX XXXX  MD, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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:
To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXX is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX XXXX. This is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX This is a fraudulent account. I have attached an ID Theft Report. XX/XX/XXXX XXXX This is a fraudulent account. I have attached an ID Theft Report. US DEPT OF ED/XX/XX/XXXX XXXX. This Account does not belong to me. XXXX XXXX. This Account does not belong to me. XXXX XXXX XXXX XXXX XXXX. This Account does not belong to me. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX REMOVE INCORRECT ADDRESS INFORMATION I am disputing the following Address information that is showing for me which is incorrect : XXXX XX/XX/XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX, XXXX XXXX  XXXX XX/XX/XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX. 

I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2020-09-01
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: Personal information incorrect

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXX  To Whom It May Concern, Going over my credit report, I have found that there is inaccurate information listed such as my name ( s ) and address ( es ) in which I am requesting an investigation for the following erroneous items : I Demand Deletion of all these inaccurate names : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX I Demand Deletion of all these inaccurate addresses : -XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX NY, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX -XXXX  XXXX XXXX XXXX FL, XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX -XXXX- XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX- XXXX -XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX XXXX FL, XXXX-XXXX -XXXX XXXX XXXX  XXXX XXXX  MD, XXXX-XXXX -XXXX XXXX XXXX XXXX XXXX VA , XXXX-XXXX My correct information is as follows and I have attached proper documentation to support my request : ( can send a utility bill etc. to show that you reside there and a copy of your licenses. 

1. My name is XXXX XXXX XXXX and should be spelled, FIRST NAME IS XXXX, MIDDLE NAME IS XXXX AND LAST NAME IS XXXX. 

2. My current address is : XXXX XXXX XXXX XXXX , XXXX, FL XXXX-XXXX Please delete the above disputed items and ( 30 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of 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 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After 13 year with the credit card the lower my credit with out any reason, they been doing that in my research I found that a lot of people are complaining about this, this is affecting my credit report because the available credit when down

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, INC.
State: OK
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:
In XX/XX/2020 I called XXXX and I explained to the customer service agent that Id had a death in my family and I was requesting Covid 19 payment assistance for both of my XXXX credit card accounts, I also made payments via telephone on that same day but explained that I was seeking additional help until I could better stabilize my finances. They charged me a {$73.00} payment deferment fee which I didnt realize they were going to do. I dont understand why theyre offering Covid 19 payment assistance and then charge a fee to do it. Regardless, I did make some payments in XXXX and several payments in XXXX. They are reporting to the credit bureaus late payments in XXXX and that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am very upset everytime I request a credit line increase their system declined me and they wont do a manual review on my credit Ive been a good customer but their system declined me for just one reason for one returned payment a long time ago this is ridiculous when I spoke to their underwriting department they told me ask customer service to submit for manual review but when I ask they wont listen to me such a frustrating process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been with Bank of America for 20 years and for no reason they sent me a letter that they will close my account and my mom 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 2020-05-16
Company: Experian Information Solutions Inc.
State: TN
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 just received my credit report update by Experian Report As Of XX/XX/XXXX. Experian is still showing my legal name as my mother name XXXX XXXX on my consumer credit report and they have also added a collection account that was deleted from my consumer credit report back in XXXX XXXX XXXX XXXX and they also balance updated on XX/XX/XXXX. I never received a written letter from Experian letting me know that this collection has been Reinserted back to my consumer credit report 5 days before or 5 days after letting me know that they were adding this collection back to my credit file. It took me over a year to get that account removed for improper misuse. XXXX has a name by XXXX XXXX XXXX and I guess with her credit file merged into my consumer-credit report. Experian, XXXX, and XXXX have all damaged my credit. Under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of  my credit information. I am also entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit information. Experian, XXXX, and XXXX have caused severity violation to my consumer credit report and have willfully violated its obligations under the FCRA.

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 2020-09-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the last couple of months i have been sending in an additional principal payment of {$10000.00} extra, and have clearly noted it by writing on the check Principal payment only, also wrote principal payment only on the statement slip and also wrote principal payment only on a separate note attached to the check. Both times the money is not allocated properly, first time it went to the escrow account, which I did not ask for. Next time they broke the payment up into 2 different transactions {$8400.00} on XXXX and {$1500.00} on XXXX and applied the money 10 days apart from each other even though I had sent 1 check for {$10000.00}, this causing me more interest on both times. I called the first time and ask what happen and they told me they don't know, I tried calling the second time and the answering machine stated they were too busy to answer the phones.

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 2020-07-14
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2018-04-04
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 information incorrect

Complaint:
I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of XXXX which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and TransUnion how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX   XXXX 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 2018-07-14
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Equifax Confirmation Number - # XXXX As of XX/XX/2018 I have tried for the 1001th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! Again, I have tried to access my credit reports ONLINE since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: NY
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:
Account NameXXXX CARD Account XXXX Account TypeCredit Card Date Opened XX/XX/2009 I have disputed this account via Experian online dispute center and I feel as if the matter was not investigated correctly. I pulled a copy of my credit report on-line and found that they are reporting the following delinquent account that past the 7 year reporting time as allowed under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01
Company: American Financial Network Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I did an IRRL with American Financial Network Inc- XXXX . Since Covid19, I was on a forbearance for 4 months. Before being removed I applied for a loan modification. I've talked to someone in the Loss Mitigation Program. I received a letter stating that I was in the Loss Mitigation Program and could not have two active homeowner program at a time. This is incorrect. I have only filled out one application to have my mortgage payments modified and added to the end of the loan. I have called several times, no one can give me a correct answer I don't know the status of the only loss mitigation application that I applied for, please can someone assist me. This has been the worst mortgage experience. I've tried calling and emailing, and mailing no one seems to know what they are supposed to do. 
On XX/XX/XXXX, I was told they would do a modification by increasing the loan from 3.125 to 3.3 %. I told them I would not accept the new terms, that was not what I applied for, I was applying to lower my payments with a lower interest rate. They have yet to fix or communicate with an answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AARGON AGENCY INC XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from 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 2020-09-01
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Mid-America Accounts Control Bureau, 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: Account status incorrect

Complaint:
On or about XXXX XXXX 2016 Mid America Accounts Control Bureau began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with Mid America Accounts Control Bureau innacuratley reporting and still as of today XXXX showing i owe this amount on my XXXX report although XXXX XXXX advised them and they promised they would take it off my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed numerous complaints against Equifax for refusing to remove a fraud alert from my credit reports, I have sent in all documents numerous of times and still they refuse to remove this fraud alert. After receiving a condition for mortgage approval I was notified that the alert showing extended fraud alert was placed on my credit file still by the lender, I called to see why? Equifax repeatedly assured me that it is no such alert on my credit report, days later I received a credit report which shows a credit file for XX/XX/2020. Equifax is still reporting this on my credit report as I have uploaded a copy for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello I have sent PayPal all conversations and a video conversation that the person I sold my XXXX account to did receive the product, however PayPal favored in his side and now charging me the {$770.00} and wont give me the banking info or any other info to me I have all the records showing this person ended me a fraud and a scammer and I do not owe the money to Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Can't access account or cads

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