BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: MO
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:
THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS XXXX   2020, XXXX 2020, XXXX 2020 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 2018-11-02
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018 I notified Equifax of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. Equifax later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide Equifax with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. Equifax has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. Equifax continues to report fraudulent accounts on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
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: Their investigation did not fix an error on your report

Complaint:
PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, EQUIFAX REFUSES TO INVESTIGATE BY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I SUBMIT COPIES OF MY DRIVER LICENSE, LEASE, PROOF THAT MY INFORMATION HAS BEEN COMPROMISED ON THE XXXX/XXXX  WEB, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

EQUIFAX IS VIOLATING FCRA PRACTICES. THE FRAUDULENT XXXX XXXX ACCOUNT WAS ONCE DELETED AND ADDED WITHOUT PROVIDING ME WITH REQUESTED VERIFICATION OF OWNERSHIP. ADDITIONALLY, THE XXXX  XXXX XXXX  IS NOW REPORTING ON MY ACCOUNT AS A " NEW COLLECTION ''. 
AS SUCH, PLEASE DELETE THESE FRAUDLENT ACCOUNTS FROM MY REPORT IMMEDIATELY. AND AS FOR THIS NEW COLLECTION, I HAVE NO IDEA WHERE IT IS COMING FROM!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from XXXX XXXX stating that they closed my Care Credit  account in XX/XX/2018. I paid off the balance on this account in XX/XX/2018. I look on my credit report to find out that they also closed my XXXX XXXX account without notification. 

I do not understand why my accounts were closed 2-3 months after I paid them off. 

I did not put a request into the company to close either 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 explanation
Consumer complaint received 2021-04-24
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from XX/XX/XXXX that Dovenmuelhe Mortgage inc is holding unclaimed property in the amounts of {$3300.00} and {$100.00} from a mortgage ( from XXXX XXXX XXXX  XXXX that was refinanced in XX/XX/XXXX. I sent the required response documents back on XX/XX/XXXX, and have since made follow up calls on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, but have to date been unable to obtain the return of these funds. 
I was told during several calls that the instructions to send a check were relayed to the appropriate group. On the XXXX call it was confirmed that a check request had been initiated on XXXX and that it could take up to 30 days for a check to be issued. On XXXX this was revised to XXXX business days, and on XXXX I was told that it has not been issued yet and there is no estimated completion date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: ECMC GROUP, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX ECMC was given notice by i : XXXX XXXX, to Cease and Desist collection. This notice was not returned nor did ECMC respond. On XX/XX/XXXX, i notified CFPB via compliant ( XXXX ) regarding ECMC threatening to use my social security and personal information. ECMC responded they have no account with my information. It comes now on XX/XX/XXXX, i received an alert from XXXX XXXX that my credit score was decreased because of 7 ECMC collection accounts added. Upon review i noticed XXXX has the account listed as collection accounts and XXXX has the account listed as credit both accounts list the open date as XX/XX/XXXX. This is a violation to the Cease and Desist Notice dated XX/XX/XXXX, FCRA ( which state debt collector are to report accurate information, FDCPA ( are to cease and desist when notified ). By ECMC attempting to extort i for money not owed this falls under RICO frauds and swindles. This also is paper genocide and violating my indigenous rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of the information reported on my 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 2018-10-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with XXXX XXXX XXXX and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to XXXX XXXX XXXX and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.

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 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed this Public Record on this Bankruptcy chapter 7-discharged XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2017-07-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY Experian but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}

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 non-monetary relief
Consumer complaint received 2018-10-23
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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information reported by XXXX XXXX XXXX  ( Home Equity ) on my credit reports with XXXX, Equifax and XXXX. 

I am including a copy of the following XXXX credit report, File Number :  XXXX, report date : XX/XX/XXXX. 

I am including a copy of the following XXXX credit report, report number : XXXX, date of report : XX/XX/XXXX. 

I am also including a copy of my Equifax credit report, Items as of date reported : XX/XX/XXXX. 

The XXXX report shows that the " Pay Status '' CHARGED OFF, not closed. The report was last updated on XX/XX/XXXX, reporting inaccurate data, stating that the item will be removed on XX/XX/XXXX. The Maximum Delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX. 

Although XXXX XXXX XXXX  is NOT reporting the complete payment history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 


On my XXXX credit report it shows the account status as closed and updated on XX/XX/XXXX, balance updated on XX/XX/XXXX, shows " ON RECORD UNTIL '' XX/XX/XXXX 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 

On my Equifax credit report it shows the account status as Charge off and updated on XX/XX/XXXX, shows " Date of 1st Delinquency '' as XX/XX/XXXX. 

The Equifax report shows the Account History with Status Codes back to XX/XX/XXXX, which clearly shows, from what I can tell without the full account history, the first 30 day delinquency. 

XXXX XXXX XXXX  is NOT reporting the complete and accurate history, on any of my credit reports and is extending the reporting history and affecting the removal dates from all of my reports creating derogatory account information which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act Per the FCRA, 611 - 15 U.S.C. 1681i, ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX Home Equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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 have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2019-05-23
Company: EQUIFAX, 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:
XXXX is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04
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: Their investigation did not fix an error on your report

Complaint:
under the FCRA   XXXX   must have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and second subsequent re investigation, they stated in writing that they verified that these items are being reported correctly? They did not respond when i asked following questions Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section  609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).    XXXX  ALL THEY DONE WAS SENT ME BY  MAIL 7 YES 7 COPIES  OF MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There is a Home Depot credit card reporting on my credit report. I have never applied for this credit card, and I have never signed anything or authorized this account to be opened. As soon as I found out that this account was reporting on my credit, I immediately contact this business and had it closed.

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 2017-07-04
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use a third party that I let access my bank account information. For my bank I use Key Bank and they have a option that lets you  turn 3rd party ac cess on and off. I have the option turned on, and have never had issue till about a month ago. I talked to my bank and they said there 's nothing they can do. I 've been doing this for a year now with no issues and now all of a sudden I have a problem. It causes a major hassle for my finances every month. All I would like them to do is look into the issue but they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Phoenix Financial Services LLC, about medical charges added to my credit report. As I was trying to get accurate information about myself, they have, they failed to identify me. The company was supposed to send me a letter validating the debt I supposedly owed. The company failed to do that, and we were not able to reach a decision. Based on my information, this debt is not valid, nor does it belong to me. Under the fair credit act, they are supposed to identify me and prove that this belongs to me. They failed to act in such a way, this debt was supposed to be removed from Phoenix Financial Services last year. I reached out many of times, this is why I had to resort to filing a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Experian Information Solutions 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:
XXXX, Experian, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.

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 2018-10-08
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Chase/XXXX credit card, and the last statement shows 19 charges I did not make to the card totaling : {$390.00}. 
Their customer service dept. tells me that I do owe this and will not explain to me why these charges are on this card, and also that they will sue me for this amount if I do not pay it. 
Can you please, help me resolve this problem. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( # XXXX ) XXXX, AL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
USAA has an issue with their Auto Bill pay system 's statement balance option. It currently does not accurately charge based on the balance when there is a fraud dispute that goes in or out. This error has resulted in over {$120.00} in fees to me in the last 10 months. Additionally the statement delivered each month incorrectly calculates the " 2018 Total interest charged in 2018 '', if correct I would have caught this error months before now.

USAA response has been that, while the Auto Bill pay system has a full balance option, it is the customers responsibility to verify the amount each month. They declined to comment on the incorrect totaling per the statement.

I disagree with this assessment, when a customer selects " Statement Balance '' the expectation is that the entire statement balance should be paid, regardless of end of month calculation for fraud payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Will SOMEONE read this carefully? Your questions are wrong. That's part of the problem. I raised the credit limit on my two cards to raise my credit score but instead it was LOWERED. 

And there seems to be no way to dispute a credit SCORE. Once the machine makes up its mind, THAT'S IT. 

Listen to my story. I bounced a check around 45 years ago because I made a mathematical error in my checking account. That's the ONLY mistake I've ever made. I have two credit cards, the second is just to raise my score. I pay every bill within 24 hours of receipt. I've never owed a XXXX except for my mortgage which I paid on time every month -- and eventually paid it off. I live in XXXX so I never needed a car or a car loan. 

I'm a multi-millionaire, though I'll admit, just barely. 

I told this to TransUnion, but they said I'd have to pay for my credit score. I said I already had it from XXXX XXXX, but TransUnion said their score would be different. It was EXACTLY the same. Either the woman lied, or it's company policy to lie.

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