BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: RFNA, LP
State: SC
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:
My wife and I separated in XXXX of 2018. I found out in the following months after that she had set up an account with XXXX XXXX which I had no knowledge of and didn't give any permission. I contacted XXXX XXXX about this and the only information I was given is that a " live check '' was sent to the address and was deposited into a joint account which was was closed the day or so afterwards. I asked them how an account with my information was opened without my consent or any signature, and the only comment I received was that they didn't have to have one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
FCRA violations : not mine Also known as XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never signed or dealt with XXXX  XXXX. Very unaware of this company. I asked can they submit all documents I signed with their company and received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX sent me a letter to collect debt. I do not owe any. And the letter provides no info on what debt i owe. It looks like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax online dispute portal has been undergoing " maintenance '' for over a week, this i unacceptable under fair credit standards. it is a simple portal and they have an in-house IT department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hello! 

5 years ago I asked for a {$3000.00} credit limit increase to my personal credit card ( which had I believe, a {$500.00} or perhaps {$1000.00} limit at the time. ) I received a new ( separate ) credit card with a limit of {$3000.00} shortly thereafter. 
( Note : This was in the era of duplicate account creation which XXXX XXXX was ultimately held to account for - still, I didn't think much of it at the time. ) Since then, despite a near-XXXX balance on the card, I've received two credit facility reductions without notice or consent ... the first being over two years ago ( From {$3000.00} to {$2200.00} ) and another today, with a reduction from {$2200.00} down to {$500.00}. 

There was no consent sought, nor notice delivered, nor reason to reduce this credit facility by TWO THIRDS overnight. ( my credit score has steadily improved over the last two years - though I've barely touched this card. ) ... All of this for an account that should never have been opened in the first place. 

I believe this falls in violation of a number of regulatory statues. ( Please correct me if I am mistaken. ) ... Either way - myself and my family are negatively affected in the extreme, and US Bank 's lack of notice has resulted in a scenario where if we had an emergency - we'd be unable to manage the situation. 

I have multiple accounts with them ... where was the letter? Where was the push notification? Where was the phone call? This bank has more contact information ( and other PII ) about me than my own mother ... How are they incapable of providing sufficient notice to their clients about actions that have major impacts? 

What check and or balance is in place to ensure a degree of accountability?

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 2019-08-29
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MY WAGES WERE GARNISHED BY FOSTER AND GARBUS. I WAS UNAWARE OF THE DEBT AS I WAS NEVER SERVED NOR DID GET ANY NOTIFICATION OF A DEBT. I UPDATED ALL MY INFORMATION WITH NYS AND I PROVIDED PROOF OF SUCH. I WAS NEVER NOTIFIED OF A DEBT TO SETTLE OR PAY. FOSTER AND GARBUS FAILED TO CONTACT ME AND FAILED TO EXPLAIN THE PROCESS. I WAS TOLD I NEEDED TO PROVIDE INFORMATION AND I DID. I WAS NOTHING BUT COOPERATIVE. THE AMOUNT AGREED ON WHICH WAS NOT A SETTLEMENT BUT FULL PAYMENT AS THEY DENIED A SETTLEMENT WAS SATISFIED AND THEY CONTINUED TO GARNISH MY CHECK. THEY REFUSED TO STOP GARNISHMENT EVEN AFTER JUDGEMENT WAS SATISFIED.

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 2020-05-07
Company: CITIBANK, N.A.
State: MI
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:
I have a account ( see attached documents ) for over 10 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this season of crisis. 

I got XXXX with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card was closed recently, and I am still trying to work something out with them.

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 2019-02-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-04-07
Company: STATE FARM BANK, FSB
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
State Farm continues to robocall me about an autoloan my father took out on his own. I am not affiliated with his loan and have asked them to stop calling me. I receive at least one robocall a day from their main number, and 1-2 robocalls from spoofed numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Bread Financial Holdings, Inc.
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: Was not notified of investigation status or results

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: GA
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 did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX XX/XX/20 XXXX XXXX XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: CA
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 recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts that did not belong to me and accounts that were never late. 

I sent your bureau a dispute letter in regards to these accounts on XXXX asking that they be removed.. To date, I have not received an investigative results report. Please note that is a 30 day violations to date. 

There are also two accounts listed below that are reporting late payment history which is incorrect as these accounts have never been late. I need these two accounts liste under ACCOUNTS TO BE AMENDED to never late. 

I have a real estate transaction worth {$450000.00} being held up in escrow due to these negative accounts being reported on my file. I must close my real estate escrow by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I XXXX XXXX purchased a XXXX XXXX XXXX. On XX/XX/XXXX I financed it through XXXX XXXX I made all payments on time. On XX/XX/XXXX I refinanced this loan with Bank of America. Made all Payments on time.In early XX/XX/XXXX, My car was stolen and then recovered. It was a total loss, I continued making payments though out this process. The payoff check from the insurance was processed XXXX XXXX. Which left a balance of XXXX on the acc. 
After this I heard nothing from BOA and could access the current Balance on my Online mobile banking. So XXXX 's Payment went though, XXXX 's payment went though, and XXXX 's payment went through. My Payment Date for this loan is XXXX of each month. So then on XXXX XXXX I get a notification that a Charge off was placed on my Credit files with all Three Bureaus from BOA. Stating that {$210.00} was charged off??? and isn't due till XXXX XXXX which would be my last payment. This is crazy I Made all Payments. 
I Spoke with XXXX XXXX and she was not helpful, and for a week I got no repose. Then they fabricated a whole Story about how i was suppose to Pay off that Balance of {$850.00} with in 60days, then they said i had no GAP which I do.. when I said had " no notice '' of this arbitrary 60 policy, she stated they wouldn't remove it. Even though they were auto-debting the acc every month. Bank Of america is blatantly trying to save face and not fixing this false Charge off. I am inclosing a full payment history which shows on time payments. I had to get a print out from the a bank Employee because they where told not to give to it to me, But Lucky there own employee saw how wrong they where treating me and printed it off for me anyway.The cover up of this false Charge OFF is sicking!! ACC of this loan as it was deleted off my online Banking for this reason. But i have the evidence. My Previous Credit Score Was XXXX This Damaged my Score over 75 points. All of this for no reason!! And they refuse to fix it. 
And also the XXXX XXXX Lady had the audacity to try and collect the {$210.00} that never should of been charged off in the first and still not fix the charge off on my credit!!!! I will Pursue legal Action If this isn't fixed. And to think all these idiots had to do was wait till the auto-debt on the XXXX of XXXX the payment would be done!!! even on the credit report the BOA states Charge Off Never Late How smart is that? Again This XXXX lady couldn't answer why the charge off was placed on my acc even though they still where getting payment.

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 2022-08-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2022, I notified USAA FEDERAL SAVINGS that the cash back rewards amounting to {$1200.00} were erroneously removed from my account. USAA informed me the money was used to purchase gift cards. I disputed the claim and still have not received resolution. Despite me reporting to USAA that fraudulent use of the cash back rewards points occurred, USAA continued to allow additional purchases of gift cards through my account. Totaling more than {$1700.00} cash back rewards being fraudulently removed from my account. Once again USAA fraud department did not contact me via email, phone, or mail to notify me of the fraud activity or that my account is comprised.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Information belongs to someone else

Complaint:
there are accounts and inquiries on my credit profile that I have no knowledge of.

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 2021-04-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, I checked my XXXX XXXXredit report and found collection on report from ENHANCE RECOVERY CO XXXX -- -- -ERC COLLECTION COMPANy for {$71.00} from XXXXable wich is XXXX now in florida XXXX I've been with them for over 10 years and still with them now and my payment is always automaticly withdraw, i call them they said they said i don't have no balance cause it is automaticly withdraw from my bank account. 

I don't know this collection it is not mine and l lost some point of my credit score cause of this please help me with this ERC company, Thant you. 

ERC collection -- XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there  are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in XX/XX/2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a check to check employee, working for a XXXX, i take my finances serious and can't afford to have my credit scores drop along with a lower income. I'd like for this information to be removed from my profile.

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 2019-08-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I found that in XX/XX/XXXX Chase my mortgage company had not been reporting my mortgage payments. After alerting Chase, on XX/XX/XXXX Chase sent me a letter that stated they agree with me and they would begin reporting to the 4 major credit reporting agencies. Listing them specifically including XXXX. 
On XX/XX/XXXX, I wrote to Chase alerting them that my XXXX credit report in fact did not list them at all. XXXX XXXX, Executive Director with Chase, wrote back XX/XX/XXXX and essentially blamed XXXX stating " there's an internal credit agency policy that's preventing your account from showing up on your credit file ''. Chase advised that I contact XXXX. 
On XX/XX/XXXX I spoke in-depth to several departments at XXXX and they do not have Chase as a creditor that is reporting my mortgage payments. 
Despite me telling Chase that I spoke with XXXX, giving Chase a copy of my credit report showing that they are not listed and telling Chase that XXXX  suggested they call them, Chase has not called them or attempted to correct my report. Instead, Chase is deliberately not reporting and deliberately lying to me by continuing to claim that they are. Chase simply keeps telling me they are reporting although XXXX and my credit report proves differently. 

Chase has lied to me for 3 years by claiming they have been reporting. There are 18 years of mortgage payments that are missing from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX Equifax, and XXXX  correct and remove this inaccurate info from my credit report.

Company response to consumer: Closed with explanation