BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian have reported a 30-day late payment indicator on my credit report with the creditor ( XXXX XXXX , Also known as XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$38000.00}, which the account was opened XX/XX/2019. I have never paid 30-days late and when I contacted XXXX XXXX , they said that their system is not showing it and that they did not report that 30-day indicator on the account. This is the 3rd time that this done happened to me where XXXX XXXX XXXX have reported that incorrect information of having reported a 30-day late indicator, which I had to dispute this issue before. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!

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 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Discharge in Chapter XXXX Bankruptcy on XX/XX/18. This account was opened prior to bankruptcy and was not reaffirmed. Balance incorrect and historical data on credit report incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America has removed the ability to pay your credit cards with external bank accounts. This took several frustrating attempts to add an account only to have an error message saying " this ability is coming soon. '' Reaching customer service took forever, even as a preferred member. Absolute disgrace.

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 2023-02-26
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: Was not notified of investigation status or results

Complaint:
i have no knowledge of these fraudulent accounts. im a victim of Identity theft. The thief may obtain my information with these data breaches leaks from equifax, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: IL
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 just sent me thing that says XXXX XXXX is all good now but doesnt reflect on my credit reports that way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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:
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 XXXX  XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX**, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX** and XXXX XXXX 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 explanation
Consumer complaint received 2018-04-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There are multiple names appear on my personal information that are incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: PA
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 am writing this due to non-compliance with the CRA ( Experian ). 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted my loan provider over 100 times via email, phone and even a written letter. Each time they switch my loan Providers. On my credit report it shows that I was over 90 days late on payments when that is not true. My loaned have been in forbearance and loan forgiveness program since I XXXX  college. Yet they made this error and refuse to have this late payments XXXX  off my account. This has negatively affected my credit score and in return affecting my ability to acquire a credit card, a car, an apartment and most recently purchasing a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX I received a response to a letter that I sent to Ability recovery service asking for Validation of a debt they alleged that I owed of {$430.00}. Not only was the company unable to provide me validation of the debt they sent me a generic peace of paper that doesnt have my Signature on it nor does it have me listed at as the patient who received these services which was the information that I requested for validation purposes. I also asked them for their method in which they verified the debt was mine and I owed for those services. They have reported this incorrect information on my credit file which has hindered me from obtaining financing. I asked that if this company can not provide me with validation of this debt that they remove this debt from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: AMERICAN EXPRESS COMPANY
State: TX
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 am seeking clarification on who is the " merchant '' in this legal member agreement. I am a member, I am doing business with BLUEBIRD AMEX, but why is the merchant 's integrity, more important than mine as a customer of BLUEBIRD? : This is the statement from my member agreement I want addressed.

5f. Returning Merchandise If you wish to return any merchandise purchased with a Bluebird Account, Bluebird Card, Family Account or Family Account Card, you will be subject to the merchant 's return policies. If the merchant agrees to issue a credit, such credit may take as long as seven ( 7 ) days or longer to post and be reflected as Available Funds. 

My merchant XXXX, gave me 10 days to solve this claim. The merchant wanted the defective product back, and after I returned it at my own expense by priority mail, and they had it for two days, XXXX paid me. So what does AMEX have to do with an investigation? Are you going to refund my postage paid to return a defective item. I was in constant contact with the seller, because they phone would not work. I even looked up the IMEI number and found out it was made in XXXX and not all protocols were compatible with American phone carriers. The seller strung me along, because I truly liked the phone, but it would not WORK IN AMERICA! I have emails that show I tried over and over to work this out for two months. The seller strung me along long enough for my XXXX protection to run out, but XXXX had my back! 

In my case the Merchant was XXXX XXXX, AMEX does not have a buyer 's protection policy, but just recently is enacting one in XX/XX/2018. My XXXX account, which I used to sign up for my XXXX account over 17 years ago, did protect my purchase. I do not see why this would be treated as a courtesy for the merchant who sold me a defective product. I am the customer of AMEX, and I should be given such a justifiable treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Credit Counsel, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a company by the name of Credit Counsel , Inc. located XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX representatives name is XXXX XXXX. He has been sending me letters and calling me trying to collect a debt from " XXXX XXXX XXXX XXXX '' which I do not owe and after speaking to the XXXX XXXX XXXX corporate office they assured me this company does not represent them and that I do not owe them any money. I have attempted to have this XXXX XXXX understand that there is a mistake but all he does is threaten me with reporting to my credit and insult me calling me a liar and a fraud and that i'm going to pay for this. I have emailed him papers showing I don't owe them but he doesn't care. I have no idea who this guy is and i'm tired of him calling and harassing me its been going on since XXXX of this year and he claims I owe {$5000.00}.

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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureau is reporting a collection 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 2018-08-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 Phoenix Financial Services inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did Phoenix Financial insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with Phoenix Financial, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2021-05-05
Company: Sequium Asset Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is charging me for a service we only had for no more than two weeks, that wasn't completely installed, and could not get to work, which is why the service was promptly cancelled after the sixth technician tried to come out. And equipment that was sent back. Now I have a random collection on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: National Default Servicing Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
National Default Servicing Corporation ( NDSC ) did not provide the required pre- Notice of Default ( NOD ) outreach as required by California Civil Code XXXX. 
Please refer to Consumer Financial Protection Bureau complaint XXXX where NDSC admits the Substitution of Trustee was executed on XX/XX/2016 and recorded on XX/XX/2016. Therefore, any correspondence addressed to me was provided by NDSC prior to the date of execution of the Substitution of Trustee was done before and outside of their role as Trustee and as a shady debt collector who had not been authorized by the bank to commence debt collection activities and including beginning foreclosure processes. Thus, the required pre-NOD outreach had not been satisfied. 
All previously requested resolutions are desired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone other myself XXXX XXXX XXXX XXXX has tried obtaining credit in my name which I have not authorized and the inquiries need to be removed for the accounts which someone has tried to obtain credit for thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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: Credit inquiries on your report that you don't recognize

Complaint:
There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of identity theft or malpractice.

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 2020-10-21
Company: Resurgent Capital Services L.P.
State: SC
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 contacted XXXX XXXX and XXXX XXXX about an account that was placed for collection on my credit report that is NOT my account. Neither of them would assist me in this matter. They just kept telling me that I needed to contact the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Army and Air Force Exchange Service
State: TN
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:
Credit Card Company has been notified by certified mail that account was paid in full. Credit card Company continues to report to Credit Reporting Agencies that consumer has {$7900.00} " written-off '' and a " past due '' of {$65.00} as of XXXX XXXX. This is absolutely not true as a Bankruptcy Chapter XXXX Trustee paid the claim made by the Credit Card Company fully on XXXX XXXX XXXX. All previous claims have been settled, otherwise the Trustee could not discharge the Chapter XXXX Bankruptcy as of XXXX 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 explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Residential Bancorp
State: IL
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:
I was talking with XXXX XXXX at Bancorp about a possible mortgage, she told me me she would not run my credit as I did not want it pulled yet. She did pull my report without my authorization. She said she thought that's what I wanted but made no effort to correct this mistake or give me a copy. I have all the emails if there is a place to forward them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: TD BANK US HOLDING COMPANY
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:
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Bull City Financial Solutions, Inc
State: SC
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 contacted XXXX XXXX and Bull City about an account that was placed for collection on my credit report that is NOT my account. Neither of them would assist me in this matter. They just kept telling me that I needed to contact the other party.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: PA
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. I contacted the Federal Trade Commission and filed a complaint # XXXX, THE following items do not belong to me and is a result of fraud that I did not authorize : Acceptance 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