BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
I am in the process of purchasing a second home and the loan from my current home is showing late payments and inaccurate information regarding a bankruptcy that i had in XXXX, it shows Bankruptcy was in XXXX. There has never been late payments for this mortgage and bank of America wants me to fill out reaffirmation paperwork which is not allowed in the state of Arizona. Since this loan was not reaffirmed after the bankruptcy it is not even supposed to show up on my credit reports. XXXX and XXXX do not show this but XXXX is showing this inaccurate information. I have spoke with XXXX and they have filed a dispute for me, but Bank of America keeps wanting me to hire a lawyer to reopen my bankruptcy to fill out reaffirmation paperwork but my lawyer says that is not possible. Bank of America states that I have made all my payments and on time but seen to be dragging their feet in correcting the matter. I have been on a 3 way call with them and XXXX but no resolve to the situation. Time is of the essence since I will lose the house and my earnest money on XXXX XXXX if this is not removed from my credit report with 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 2021-09-21
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
Equifax CFPB XXXX responded on XX/XX/2021 : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. 

The mailed results have not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: IA
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 sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have tried to open up bank accounts with many banks so far and they keep closing my accounts saying they cant tell me the reason why? I dont know why this is happening. Im pretty sure some one has committed fraud on with my social security. I need help because I need a bank 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 non-monetary relief
Consumer complaint received 2022-02-16
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:
There is an account from XXXX that is appearing under my name with the credit reporting agencies. I was advised by XXXX that this account was to be removed from my credit files. So far, XXXX has deleted the account. It is still on XXXX and Experian and needs to be removed as requested.

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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/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 2021-09-21
Company: Westlake Services, LLC
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: Information belongs to someone else

Complaint:
I had my credit report pulled and saw that I have incorrect information showing. I have notified the police and filled out a identity theft report. These accounts should be removed immediately. I have attached a report and a credit report to this packet. I am showing a charge off on a vehicle as well as several incorrect fraudulent bills. I have been dealing with identity theft since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed in XX/XX/XXXX of this year that I have a credit balance of {$240.00} on my Macy 's American Express Card. I called them and requested to receive a refund for that. I was told that I should expect a check within 7-10 business day. Nothing happened for a whole month. I called back again, I heard the same thing over and over. Then they told me that they are going to direct deposit to my checking account, which has never happened either. Then I requested to at least to have my credit balance being applied to my balance on the credit card, has not happened and I also got fee charged for missing the payment. At the same time I noticed that my credit balance disappeared from my statements. The new theme is that my cash was checked. I requested a copy of cashed check which like usually promised to receive it in the mail. <P/>I talk to Macy 's credit card services at least 100 times so far, was told different scenarios and has not received my credit balance. It does not seem that they care about refunding my balance nor reviewing the cashed check story. <P/>I would like your assistance with resolving this issue and get my money back. <P/>Attached please find my personal bank account statement as well as Macy 's credit card statements.

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 2022-02-16
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 a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Uprova Credit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
https : //www.uprova.com/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 539.72 %. I borrowed {$900.00} and now I owe {$3300.00}. This should be illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
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:
My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: DISCOVER BANK
State: PA
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 XXXX and XX/XX/XXXX, my Discover credit card had XXXX charges from XXXX, which I never purchased anything from, nor could anyone else. The website has no telephone number, no email address, and no street address or XXXX XXXX XXXX After a XXXX, Discover gave me credit for those charges. I cancelled that card the day I received my XXXX statement and asked for a new card. At the end of XXXX, I received a statement for that card and found XXXX more fraudulent purchases from the same scammer, called Discover and reported the problem. I also asked why they didn't block those charges since they should have known it was a scam ; I was told that the charges were " probably pushed through, '' whatever that means. The last of XXXX, I received a statement from my XXXX credit card, which I have never used or activated, that was for XXXX {$160.00}. ( I never received a statement for XXXX or XXXX ) So, someone in Discover activated my card. In late XXXX, that same credit card statement now said I OWED {$110.00}, and the company had transferred those XXXX fraudulent charges to the card. When I again called the fraud unit at Discover, a XXXX  told me that I had told them that the charges were legitimate - at that point I told her that was NOT true. Then XXXX said an investigation was ongoing! I called again, talked to another fraud XXXX, and was told I now owed {$11.00}, yes, {$11.00}. She also told me I had not paid for XXXX purchases from last summer and that Discover double credited me, that was why they didn't owe me. If I owed money from last summer, why didn't they bill me in XXXX or XXXX, charge me a late fee, or transfer those charges on the XXXX bill? Why wait till XX/XX/XXXX? I also received a threating email before I called on XXXX XXXX that Discover would report me to the credit bureaus if I didn't pay them the {$110.00}. by XXXX XXXX Something is seriously wrong. Oh, yes, I always pay the total bill each month, and have done that for the many years of having the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Guidiville Indian Rancheria
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a payday loan and didn't realize how high the interest rate was. I don't believe they can legally charge that high of a rate in the United States.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Probably chose the wrong catagory but ... 

Received a phone call today with the caller ID of " XXXX XXXX XXXX '' and number of XXXX. Caller then identified themselves as calling from Navient Corporation. This is to get people to answer the call not knowing it is Navient Corporation and is fraudulent. Debt collectors or any company calling to collect a debt need to provide accurate caller ID info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: Information belongs to someone else

Complaint:
I have a couple of account that are not mine, I have reached out to them to have it removed as fraud. 
XXXX XX/XX/XXXXXXXX was tricked into paying them., Have no idea who that is. 
XXXX XXXX XXXX XXXX was tricked into paying them., Have no idea who that is. 
XXXX XX/XX/XXXX, Have never done buisness with them, Completely Fraud.

Inquiry From XXXX XXXX Not familiar with them.

Inquires FromXX/XX/XXXXXXXX The information is not matching, I have sent a validation letter to them more than 30 days and have not received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
TransUnion and XXXX  are fraudulent on my credit : XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX U S DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # 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 2022-02-16
Company: EQUIFAX, INC.
State: CA
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:
After over XXXX attempts, I can not log into my Equifax account ; therefore, I have not been able to release my credit freeze. After XXXX attempts to reach someone by phone, I was able to have them over the phone release my credit freeze. I was told that from this point on that I would be able to access my account online now. I went ahead and clicked on the link they sent to me to create a new password ( which I did ) but the system did not accept the new information - ONCE AGAIN!! Below is the message I receive from their system over and OVER again! 

We are temporarily unable to complete this request. 
Please try again later. 

I am quite sure that I am not the only customer having this problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MD
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
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:
My name is XXXX XXXX. The credit bureau is refusing to remove a past due debt from my credit report that is not mine. This account is under a company called " XXXX XXXX for {$1000.00} with account number # XXXX. This account is not mine and I have already called and spoken to representatives at their company to find out why this is on my credit. It turns out that the personal information on this account does not match mine besides a very similar sounding name. This of course means that the credit bureau is reporting someone else 's account on my credit. The representatives were n't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to the credit bureau to have this account deleted from my credit. I have already sent out multiple disputes against the credit bureau for over a year now and they have only responded back with generic responses asking me to call this creditor back and bring the issue to them. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.

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 2022-02-16
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:
So not only after I file a complaint with the credit bureaus about my information being incorrect. 
All of my credit scores drop below XXXX. For what reason I dont know. I cant even view reports and or call to talk to an agent. My phone is always send to the answering machine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked the Florida XXXX XXXX XXXX XXXX for a license search only to find out that this Company has an approved license only for the county of XXXX in the State of South Dakota. They 're not licensed in the State of Florida. 

License Type : Consumer Collection Agency Status : Approved Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX License Main Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX License Mailing Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX Phone Number : XXXX -

Company response to consumer: Closed with explanation