BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: CT
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 have ALWAYS had insurance, I go to the ER, had my insurance card and I get a call maybe a month later from a collections company about the ER bill, I explain I was / am fully insured and they did an " investigation '' that we all know is a lie because they are paid by their client not me... never heard anything back and it ended up on my report. 

Disputed it XXXX times and since all MY info matches it " valid '' in reality this has stopped me from getting credit and on my latest vehicle raised my interest. 

This only happened because their " client '' was too lazy to run my insurance and decided to bill me and when I challenged it they didn't care.. this is PURE 100 % fraud Worth noting that XXXX saw my evidence ( which I will upload here ) and removed it from my report, rightfully so

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided.

This is a final goodwill attempt to have you clear up my record.

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX, XXXX/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX  ) XXXX was a billing company and a creditor mentioned by XXXX XXXX , XXXX . 
these accounts are not mine. It must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the FCRA, XXXX XXXX Account # XXXX and XXXX XXXX  Account # XXXXhave violated my rights.

Law 15 USC 1681 section 602 A. States I have the right to privacy.

Law USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without written consent, which I have not given.

Law 15 USC 166b. Staes a creditor may not treat a payment on a credit card aaccount under an open en consumer credit card plan as late for any reason.

Law USC 6802 Obligations with respect to disclosures of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove account that is UNKNOWN to me. I came across this law today and according to the XXXXer FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block any account or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX & I am including it again. 
XXXX XXXX XXXX XXXX : {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: COAST PROFESSIONAL INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I pulled my credit report and discovered I had a collections from XXXX on my credit report. I paid it on XX/XX/XXXX via my XXXX account. I mailed a Certified letter to Coast Professional on XX/XX/XXXX telling them that I paid this debt and could they update there records. They had 3 addresses and I sent the letter to all three. Please see the attached proof of mailing and receipts certified that they signed. Today XX/XX/XXXX I receive a notice XXXX which is garnishment for {$860.00}. This is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: The CBE Group, 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: Their investigation did not fix an error on your report

Complaint:
Hello, I have filed disputes about an account that keeps appearing on my credit report. The original creditor was a cable company. However, i don't owe them. I asked the credit company to show me the " proof '' that validates the collectors claim and I never am given that information. CBE now how the account and they say I owe {$250.00}. I do not owe anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were approved by Florida XXXX 's Assistance XXXX on XX/XX/2022. They approved our applicaiton to assist in internet, utility, and mortgage payments for the following 6 months. All XXXX bills stated above were paid on time. As of now, XXXX payments for XXXX XXXX XXXX and XXXX XXXX XXXX were paid on time by XXXX. However, it seems that Regions Bank ( our mortgage lender ) still has not applied payment from XXXX to our account. It has been 23 days since XXXX stated to me that they mailed a check for our mortgage payment to Regions Bank. I am concerned as to why our mortgage lender still has not applied payment to our account. 

Delays like this can affect our credit score and in turn affect our standing with the loan. My complaint is regarding Regions Bank as they have not applied payment to our account. XXXX has stated to us that they are investigating whether the check they mailed has been chased or if funds have been retrieved on Regions Mortgage end. 

Thank you

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 2018-09-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had been requesting a Loan Modification from my lender SPS. I have a very legit hardship to have requested this. I never had a modification in the past ever. This would had been my first one.

SPS gave me a approval for a modification and when I was informed about the approval I had been just release from the hospital and I have been in and out of the hospital for some time now, thus the reason im requesting a modification. Once I spoke with SPS about my approval my payments were some what more affordable for me but since I had just been release from the hospital and being heavily medicated with drugs, I really was not on the mind to speak to anyone to have made any decision on my home. SPS told me if I font take this approval then I need to SHORT SALE my property, well I was not even able to comprehend the approval and understand this and nor was I explained the process of what a SHORT SALE IS, until I requested XXXX XXXX to help me in this process, and they explained to me what a short sale is and I would loose my property. I was very shocked o have known what this was and my lender telling me that, " if you don't take this approval you need to short sale your property ''. Before I found out what anything meant I told SPS to go through the short sale process not clearly understanding what it really was - then when XXXX XXXX   wanted to help me they said no you don't need to do a short sale on your property we will get you the approval terms back. SO SPS refused to let me take the APPROVAL they gave to me, knowing that my hardship was clearly all medical issue of going in and out of the hospital. For my lender to have treated me so inconsiderate for my medical issue is not the way any lender should be to a homeowner. I want to keep my home and stay there and enjoy the rest of my life there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: AR
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:
JPMCB CArd is not mine, I don't even have this card but yet it states that this was an inquiry on my credit report. 

It's a Bank Credit Card inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
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: Information belongs to someone else

Complaint:
1.

Remove the addresses from my credit report. the 3 credit bureaus did not remove my addresses from the previous dispute. all they did is joining together the zip codes on them and update which was never there. attached informations for the reference. 
Not my address- FCRA Violation XXXX XXXX XXXX XXXX , GA XXXX - XXXX. 
XXXX XXXX XXXX  XXXX, GA XXXX - XXXX My Correct address is as follows XXXX XXXX XXXX, i XXXX XXXX, GA - XXXX. 

XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 

2. 
Addresses, names and variations incorrect on all three credit report- they have not corrected them. attached the document 3 XXXX  XXXX XXXX - Remove this Not mine- FCRA Violation Closed Unknown payment history 4. 

XXXX XXXX Dispute This account ASAP- not mine {$0.00} Closed 14 late payments Account number XXXX XXXX XXXX XXXX XXXX XXXX Delete this account- not mine -fcra violation XXXX XXXX XXXX, GA XXXX XXXX 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX - {$20000.00} Closed 46 charge-offs Account number XXXX XXXX XXXX - Remove late payment {$0.00} Closed 18 late payments Chapter XXXX bankruptcy dismissed- Not my Bankruptcy.- attached screenshots- and public record XXXX XXXX XXXX XXXX- Dispute This account- not mine- FCRA Violation Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Problem getting your free annual credit report

Complaint:
Equifax was contacted by consumer by means of formal letter for request of annual free credit report on XX/XX/2020 which resulted in denial service. 
Consumer is blocked from making an online account with Equifax currently. As well as, Equifax claims information given does not match the file presently. Consumer holds guarenteed lock to credit report with security freeze ; Equifax denied all participation accept disputes for consumer credit at this time. Consumer has rights to review and inspect credit holdings at any time which has been denied. Please help resolve as identity has been breached as security freeze dishonored by response of personal information does not match consequently. Soil born obligation to investigate any discrepency with personal identity with financial institutions. Gracious!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I am becoming emotionally stressed about this matter. This is my second complaint because they are saying my complaint is unauthorized. They say that to stall from investigation. They have not shown me proof of the account being late, and it shows the date last active is inaccurate as well. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted, and they seem to be ignoring the laws. These accounts have been preventing me from getting business funding and it's very stressful for me and my family.

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 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Mr. XXXX XXXX Chief Executive Officer Bank of America Corporate Office XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XX/XX/2018 Dear Mr. XXXX, This letter is to inform you that we, my family and I, are having a very unsettling experience with our Bank of America accounts. Our experience is not a single event, nor a personnel issue, nor an issue of miscommunication. It is an experience of fraudulent activities, malfeasance, poor corporate systems and lack of management accountability to customers. Please note that our experiences charge Bank of America with : Unauthorized asset transfers and account openings and closings Non-disclosure of unauthorized transfers by Bank of America personnel Blatant disregard of customers directions and instructions for all account activities Violations of fiduciary and ethical responsibilities Mismanagement of personnel accountabilities Biased review of complaints to favor Bank of America personnel versus the truth No authorization of transfer of money, opening nor closing accounts Fraudulent written authorization for transfer of money, opening and closing of accounts. We are inherently disappointed by the Bank of America employees who have dismissed our protests of  unauthorized transfers of money as misunderstandings. It is imperative for you to know that while we discovered fraudulent activities on our accounts, other customers who could be your family or friends, may not be as diligent. The fiduciary duty of Bank of America failed us and may be deceiving others.

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 2018-09-24
Company: CITIBANK, N.A.
State: CA
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:
Overzealous and incompetent fraud department targeted a valid charge and was unwilling to take responsibility, leaving card useless. Attempted to charge {$140.00} on a Citi Mastercard on XX/XX/18 and it was declined. The customer service rep was unable to explain their rationale. The card was in good standing ( actually a negative balance ) with no previous problems. The fraud department was unable to help and seemed insistent that I have a second phone number, which is a ridiculous notion. Upon second try, the fraud department again was unable to do anything or to connect me with a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSWORLD SYSTEMS INC
State: GA
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:
You claim I owe your company {$450.00}. This letter is being sent to you in response to an entry made on my Consumer Report dated XX/XX/2022. Please be advised that this notice is being sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XX/XX/XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from trusted id. 

I want this removed from my credit report immediately clearly the company does not have proper back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted on XX/XX/2018 by someone claiming to have a claim in his office which is DNF Associates about an old auto loan/ repossession from phone number XXXX which he said I needed to call by XXXX the following Monday are legal action would be taken but when I called the number back it was not a working number. He threatened that if I did not take care of this matter that day legal action would be taken against me I told him I was not sure of this debt he claimed to had and he continued to harass and even laugh at me about the situation. Even informed me that I had a XXXX credit card and that I needed to use that to pay him that he saw it had a nice size available balance that they would accept after he said he found it on my credit report even mocked me for disputing information on my credit report. I explained to him that I had to look over information and finances and I let him know I have never received any information from him are his company. I contacted the original creditor they gave me the name and number of XXXX XXXX at XXXX.She informed me that DNF Associates  was not suppose to contact people that they are suppose to use out side sources to do so. This debt is reporting incorrectly I was never informed by the original creditor that the car was being sold are detailed information about the debt they claim that is left over from the sale of the vehicle.

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