BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( 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 XXXX report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. I have disputed this in accurate report before have called Bank of America over 20 times and they simply say that account has been closed and we have no access to remove the report. I simply ask why is it being reported as Closed for fraud why? 
Please verify the following account or remove it immediately. 
Bank of America Reported For : Fraudulent activity

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 2023-03-15
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
It is my belief, The Department of Education, MOHELA, XXXX, XXXX and XXXX d/b/a the UNITED STATES XXXX are all voluntarily , knowingly and intentionally, individually, and personally undeniable aware of criminal acts of mis-administration and malfeasance. Approximately on or around XX/XX/2023 and XX/XX/2023. I sent certified receipt letter to the corporation to remedy and recourse regarding this matter and of course no action were taken by the company as of yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Diversified Consultants is a collection agency. They were hired by XXXX XXXX. XXXX claims I owe an early termination of XXXX I paid this amount and have the invoice to show a zero balance owed. I called XXXX after I received a delinquency notice. I was assured by customer service that I owed nothing. The next thing I received was a threat letter from diversified. I sent them a copy of the last invoice from XXXX showing a zero balance. I just checked my XXXX score and saw that it dropped XXXX points this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: LEXISNEXIS
State: TN
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:
On XX/XX/23 a dispute letter was mailed certified to Lexus Nexus. 

It was received by Lexus Nexus on XX/XX/23, and assigned case # XXXX On XX/XX/23 I called in to check on dispute status, I was informed that Bankruptcy was never entered in dispute. 

Per represented from Lexus nexus the dispute was initiated on XX/XX/23 with case # XXXX. This is means per FCRA to have item deleted from consumer report. 

FCRA Stated consumer agencies and credit agencies have 30 days to complete investigation or deleted negative item from credit report. 

Per Cfpb complaint # XXXX Lexus Nexus replied on record the investion was completed on XX/XX/23 per Response from the company ( attached ) Case # XXXX Is clear the attached disputed letter was clearly received on XX/XX/23

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Ive tried numerous of times to get the credit reporting agencies to remove the incorrect information from my credit report. All of the information and unknown collections and closed accounts appear on my credit report and never been removed. The negative incorrect information caused damaged to my credit and life can you please fix this problem. Once again Ive reached out to all of the credit reporting agencies and they have failed to correct my credit report this makes it hard for people to make a honest living. Especially when the credit reporting agencies are reporting incorrect information without the proper investigation. This needs to end immediately!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: FIRST ADVANTAGE CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applying for a job on XXXX, First Advantage did a backround check on me, it came totally mix with other people with the same names with criminal records, i do not have any criminal records, places i never had any problems, i told them my identity was stolen, i did my own backround check and nothing like that comes up. They keep sending me the same backround ckeck not willing to help. I spoke with an XXXX XXXX she anderstud that was someonelse. I report to Identity deft my file is XXXX. They stole my social security, my bank accounts, my credit was freeze 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX breach and the XXXX XXXX, I need these to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: LEXISNEXIS
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon switching insurance companies, I was informed of an accident on my report that I was surprised by. After some thinking, realized it was my Fathers incident. Both of our legal names are XXXX XXXX, though Im not sure of his middle initial or if he HAS one. I am not in contact with him at all whatsoever. Here is a quote from XXXX of the issue in question : Accident with payout {$500.00} or more on XX/XX/XXXX Listed on CLUE  All other information on the reports are correct and accurate. 

Unfortunately for me Ive been paying more than I needed to for YEARS since I never wouldve noticed this. The vehicle involved in that incident was on my insurance at the time but my father was a permitted user on the account ; there should also be police reports of -his- incident in question, since he additionally fled the scene and was later arrested and charged. Also records of him living in that area ( never me ) and likely other documented incidents of police contact in the vicinity of the accident in question. 

Please let me know if theres anything else I can do to help facilitate repairing this, unfortunately Im not quite sure how I can prove that I wasnt the driver in this case unless you can help me find an incident report that shows his date of birth, which I believe is XX/XX/XXXX ; mine is XX/XX/XXXX, if my DoB comes up on any of those incident reports then this will likely be a larger mess. 

It may also help to show any inconsistencies between HIS clue report and criminal history ; the court documentation and police reports should tell of an automobile accident and related criminal charges of an event that doesnt show on his clue report, which should maybe help prove that it wasnt my incident. 

Thank you again and hoping for the best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
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:
Inaccurate late payments are showing on credit report. Loans were in the process of deferment and multiple late payments were reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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 went to rent a car at XXXX today XX/XX/19 and when they checked my credit since it's a requirement to rent a car there, they told me that I would be unable to rent a car because there are accounts and inquiries reflecting badly on my credit report. None of those accounts/inquiries belong to me nor did I allow anyone to open them in my name using my personal information. I did not benefit anything from these accounts such as money, services, goods or any other benefit and I have never made any purchases or payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I never gave them permission to run or view my credit/personal information. I have already gone to file a police report regarding this very serious matter.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
A mispayment was placed on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I've paid the balance of {$44.00}.

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 2023-03-30
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I had a personal, student, loan with Navient which was discharged in bankruptcy in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, Navient has reported this account delinquent on payments 180 days plus with the credit bureaus which has significantly decreased my credit score and prevented me from getting an apartment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: MT
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:
Equifax claimed they did an investigation on an alleged debt with XXXX XXXX Complaint # XXXX. How did you conduct the reinvestigation? Because 15 USC 1681a ( e ) says that an investigative report should not include information from a creditor... I need a detailed report of who you spoke to at XXXX within the next 10 days, during this time-remove the account from my consumer report as you are required. If you can not furnish me with that information, I demand you delete that alleged account from my consumer report. Send my written consent giving permission to report this account as well-because that's the only way this account should be on my consumer report. The fraud that has been taken place on this account is going to be in a court case very soon-you may want to separate yourself from this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: MS
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:
The credit bureau didnt provide the documents supporting accounts with XXXX, XXXX, XXXX, and XXXX. Also didnt provide documents of late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Also didnt provide proof accounts belong to me also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: IN
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:
Ive circled the errors in red, circled errors in yellow also. Sent copies to all 3 bureaus and the CFPB. Nothing is corrected, ever. This has been like this for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my bag was stolen with my personal belongings including my debit card, my phone, my old drivers license, and my old school ID.in XXXX XXXX, NY. Due to a day full of finals on XXXX, I waited to make it to the bank and close my account/report card stolen. On XX/XX/XXXX after my last final I drove to a chase bank near my home.. I reported my card stolen. The lady at the branch checked my account to make sure the card was not used, and sure enough it was. 12 fake checks were deposited into my account. They were forged and made out to look like they were mine. I filled out a fraud claim. The signature on the fake checks does not even match MY personal signature.. I believe the fraudsters used my old student ID from my previous college to make the fake checks as the fake checks were made out to be written to me from XXXX XXXX. Red Flag # 1 : Out of three whole years of attending XXXX XXXX, I NEVER received a check from them.. I also no longer attend that school. Red Flag # 2 these 12 fake checks were deposited in XXXX, NY. I live 1 hour and a half from XXXX and have NO associations whatsoever with anyone from XXXX.. The 12 fake checks totaled {$4000.00}. I also had {$95.00} in my account which were used as well. Because my father was the joint owner of the account, Chase decided to take {$4000.00} out of his account and hold us liable when I was victimized. A bank that talks so much about making sure customers are pleased and supported, completely failed at supporting us. Instead of accepting my 4 different fraud claims, Chase denied every single one because they believe my pin was shared. I 100 % know I do not have my pin written down anywhere and have never given my pin away.This has been very unfair from Chase 's part. They have made it known that their customers really don't matter and they will do anything to keep our money. My father is now short {$4000.00} and Chase refuses to give the money back. It has been a never ending battle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
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: Personal information incorrect

Complaint:
I have been asking repeatedly for my information to be updated on my credit report with XXXX, Equifax, and XXXX. Each time I Send them my ID, SS Card, and Proof of Address they keep ignoring my requests. According to 15 USC 1681i regarding inaccurate and unverifiable information if any information is sent in by me as a consumer that information should be promptly deleted from my file or modified based on reinvestigation. I must also be promptly notified by mail of any modifications or deletions as requested. I have not received any mail of results or anything from Equifax, XXXX, and XXXX and they are reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation