BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: GA
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:
This is not a error and I am a consumer by law and I sent letter regarding inaccurate things on my credit report. I feel I am being taken advantage of and being ignored with my dispute.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX is reporting Status " paid as agreed '' on XXXX  and Status date is XX/XX/XXXX ; Experain Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; XXXX Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX Experian is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from 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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX  and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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 non-monetary relief
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 auto-pay enabled on this account. This to ensure that if I have a balance, and do not make a payment by the due date I am sure I am following the terms of the contract, and will pay the contractually obligated interest for the period of time I carry a balance. However, if the balance is paid in full, Bank of America will still auto-deduct the amount of the minimum amount due, even if there is a XXXX balance. Thus, putting a credit balance on the account, which requires manual intervention to get the money returned. 

I feel that this is an easy problem to solve. If the account balance is XXXX, then no payment should be deducted. A very simple aspect of the transaction logic. 

Bank of America is then holding the minimum amount due, not paying any interest, and there is no contract with me to " loan '' Bank of America money during the period they leverage the credit balance. This likely occurs across a large swath of their customer base, and is unfair advantage to the consumer, but a benefit to the bank. This may even fall into the category of unjust enrichment in the situation, as the bank receives something and a benefit and I receive no benefit in return. I want Bank of America to stop deducting auto-pay minimum amounts if there is no balance due on the account at the time the statement closes and the auto-pay would be calculated. This is the fair way to address the situation.

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 2020-05-06
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Serv, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2020-05-15
Company: EQUIFAX, INC.
State: MS
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:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: GA
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-10-26
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:
There is an item from XXXX XXXX XXXX XXXX that is reporting on credit file, that is unknown to me and I do not owe {$870.00} this is false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I placed a security freeze through all 3 credit reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX XXXX ; however, they indicated that my credit was still frozen. I called back the credit agencies ( XXXX and Equifax ), and was informed that my credit was not frozen. I could not get in contact with anyone at XXXX ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the 2 agencies noted above, and again was told it was not frozen. I was unable to get any information from XXXX, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to contact bank of america about the credit card i had with them some years ago, in the amount of {$5000.00}. I called them about two months ago to see if I could go ahead and settle since I recently sold my home. They informed me that the account was turned over to someone else, and then that company said it was turned over to XXXX XXXX XXXXXXXX. I called XXXX XXXX XXXX and they informed me I told them not to contact me, which was not true at the time. I filed a complaint against XXXX XXXX XXXXXXXX and bank of america to the cfpb and XXXX. bank of america on two occasions did not want to comply with the XXXX  on the last occasion, they rejected the complaint from the XXXX. XXXX XXXX XXXXXXXX never even replied to the XXXX  complaint i had against them. bank of america also informed the cfpb nearly a month ago, that they would contact me directly concerning the credit card account, but they never did. I even called them and each time I called, no one answered and it would also go straight to voice mail. I have been trying to get the credit bureaus to remove this account from my reports since no one at bank of america will talk to me. I am a XXXX veteran and I must report bank of america and XXXX XXXX XXXXXXXX to the department of justice and to my congressman if they will not have the credit bureaus to remove this item from my credit report. this is getting ridiculous because I am trying to buy a house and I cant now

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 2021-02-23
Company: EQUIFAX, INC.
State: NJ
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

I have reported this as identity report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: NV
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:
Please reverse the late payments reported on the following accounts: XXXX XXXX XXXX0xxxxxxxxx and XXXX XXXX XXXX XXXX XXXXXXXXXXX The accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: EQUIFAX, INC.
State: CT
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 complaint against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. I am a victim of Identity Theft and I have a Fraud Affidavit on file with the FTC. I sent in my Fraud Affidavit to Equifax on XX/XX/XXXX. I sent the same Fraud Affidavit to XXXX and XXXX at the same time and they have removed all of the Fraudulent accounts from my credit report but Equifax refuses to do the same. I have done everything they asked me to do. Equifax HAS removed three fraudulent accounts on my credit report, but they continue report the remaining fraudulent accounts on my credit report. Please Help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX  XXXX {$7400.00} XXXX  XXXX {$3400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2019-08-19
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX Hospital XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed and limited my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for, no called support, auto replied. 
not telling problems just getting some auto reply. 
we use our paypal for selling in XXXX  only getting sales from XXXX and maid XXXXXXXX  payments. and when am get large sales like almost {$8000.00} they limited account and hold for 180 days even almost orders delivered. we added tracking no for that even they are not releasing available balance. 
there is no open cases and disputes no open chargeback still they done this no reason given. we get almsot XXXX sales via XXXX this month and they freeze due to this we are not able to complete pending order to I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Am provided all orders data which am get from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX  ripoff Introduction : For two years now I have been trying to close an account call XXXX. The company 's website is XXXX, but it is own by conduent ( possibly an XXXX company or offshore outfit ). All my calls go to XXXX and they won't allow escalation to management for resolution. The company gives you a prepaid card where they charge you a monthly fee. The card is to be used for general medical purposes. 

Issue : The problem is once you open an account, they won't allow you to close it. If you keep calling, it will simply create new policies to keep your account open. They have delayed my closing process for two years while extracting fees. It is basically embezzlement by forcing you to keep the account open. 

Summary : Simply put, they won't close your account because they want to keep charging the monthly fees. 

Through two years of calls being put on hold as well as being transferred constantly to XXXX call centers, they manage to steal monthly fees worth almost {$100.00}. As of XX/XX/2020, the account is still not closed. I don't know what to do. I tried pleading and explaining, but they keep charging. 

Please help. I just want to close the account and get the two years worth of fees back. I also want to notify the proper American authority about this possible foreign scheme and prevent this from happening to other people. Again, they keep scheming you with fees by keeping the account open in perpetuity.

Below are the account information I have : XXXX XXXX  XXXX Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: OH
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:
XXXX is reporting Status " paid as agreed '' on Equifax and Status date is XX/XX/XXXX ; XXXX Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; XXXX  Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX XXXX is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX is reporting Status " paid as agreed '' on XXXX  and Status date is XX/XX/XXXX ; XXXX Status Current, " was past due 150 days '' and Status Date XX/XX/XXXX ; TransUnion Status is " Paid or paying as agreed '' Status Date XX/XX/XXXX XXXX is reporting payments are late and current in XXXX when the last status updates was in XX/XX/XXXX and the ACCOUNT HAS BEEN CLOSED SINCE THEN. 

This information is inaccurate, so please Delete this account. 

XXXX  XXXX I have dispute this account before with no results and this information has not been verified and inaccurate, please see attachment from 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 2023-09-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX This account is well over the reporting period, Account was closed back in XXXX But still reporting on credit profile with last payment showing XXXX. 

Please see screenshot for reference. 
Original amount XXXX XXXX amount : XXXX

Company response to consumer: Closed with explanation