BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against XXXX XXXX XXXX XXXX and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$530.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " XXXX XXXX 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 2021-03-11
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
I notify XXXX  about the account they have on my credit report because they have duplicates on my report. They told me that it will be taken months ago, yet when I called 2 days ago they told me it won't come off. That it will have to stay on when it's a duplicate account that makes my credit report looks like I owe more than I do! This student loan is not even supposed to be on my account due to school closures! I submitted everything as did the school, and even one loan that's been on there for over 7 years! Per the law past 10 years, it's supposed to drop off your credit report by the FCRA law and it's still on my credit report. I also got a letter saying they would do it and it never happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is showing a credit card debt from me when I have never had a credit card, or account or a contract with " XXXX XXXX XXXX XXXX XXXX XXXX ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries : 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 XX/XX/22 XXXX Please remove these items ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding an erroneous late payment entry on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. Specifically, I am addressing an alleged late payment that has been reported by TD BANK NA under account # XXXX. 
I want to stress that this late payment entry is inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to TD BANK NA. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entry continues to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove this inaccurate late payment entry from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Angel Oak Mortgage Solutions LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a mortgage loan on XX/XX/2021. I received and signed a loan estimate and my rate was later locked at 5.625 % with a 2 year prepayment penalty period. Nothing changed with my qualifications before settlement. 

I was told the loan was approved and settlement was scheduled. I received no disclosures prior to settlement. 

At settlement on Friday, XX/XX/XXXX at XXXX XXXX  The loan package arrived at the settlement office and was radically different from anything I had agreed to. The mortgage rate was 6.125 % and the loan prepayment penalty was extended to 3 years at a penalty of {$6200.00}. 

Additionally, the bank doubled the posted tax rate on the property for the tax escrow. When the settlement company questioned this, Angel Oak Mortgage Solutions refused to reduce the escrow to the actual tax rate. 

As I had a {$50000.00} deposit and {$490000.00} in exchange funds at risk, I had no choice but to sign the loan documents. My feeling is that predatory lending laws were broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Rauch-Milliken International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The alleged debt item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. The collector has been harassing me, by trying to collect some inexistent debt, and failed to verify any liability bearing my signature. 

1 ) The collector is harassing an individual, by trying to collect the inexistent debt from a corporate, while the individual in no way ever signed and obligated himself jointly any agreement.

2 ) The collector failed to provide any bearing signature agreeing on the alleged renewal agreement regarding the amount pretended.

3 ) The alleged renewal agreement in any case is out of the statue of limitations in any case.

4 ) The collector is harassing by sending emails, and calling to a corporate phone owned by my actual employer, in addition to be sending letters to a property which has caused complaints against me. 

The Collector has been instructed to Cease and desist any type of communication that is resulting in harassment, and potential claims due to non-compliance of federal laws under the Fair Debt Collection Practices Act, and the corresponding local state laws including the violation to individual civil rights for willful non-compliance. 

Failing to provide a copy of any alleged contract, or other instrument bearing my signature and may result in a small claims action against the collector, and the associates harassing. 

I am seeking a minimum of {$1000.00} in damages per violation for : Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to violations to my civil rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX XXXX, a property garnishment was granted by the plaintiff and Bank of America froze my accounts. ( 2 checking and 2 savings accounts ). 

On XXXX XXXX, the plaintiff dismissed the garnishment, and the court signed off on the dismissal on XX/XX/XXXX. I went to the bank with the copy showing that the dismissal had been granted on XXXX XXXX, and the letter was FAXED to their financial department by one of the bank business reps. ( I have copy of FAX, cover sheet and confirmation sheet ) I have been calling Bank of America everyday, and stopping into the branch every day, but they tell me there is nothing they can do. When I requested a phone number of who to call they tell me they do not have a number they can give me. Even my lawyer has tried to get hold of someone. 
My accounts are still frozen today.

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 monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: NY
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:
DEAR EQUIFAX IM SENDING YOU THIS LETTER TO PLEASE RMEOVE THE THE NH CODE OFF MY REPORT BECUAE I CAN NOT REVIEW MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There have been fraudulent activities that I did not authorized. The bureau has the responsibility to report accurate information and they have not done so. I have reached out to them on multiple occasions. 

XXXX XXXX XXXX {$15000.00} Account number XXXX the full account is not listed XXXX XXXX Account number XXXX they don't have the full account number listed CXXXX XXXX XXXX XXXXXXXX Inquiry i have contacted the company for a year now, and the credit bureaus about this matter nothing has been done

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 2023-12-05
Company: Security Credit Services, LLC
State: GA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I MAILED A VALADATION LETTER TO THE COMPANY 'S ADDRESS ON CREDIT REPORT, INCORRECT COMPANY ADDRESS REPORTING. THE LETTER RETURNED BACK TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: LA
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 submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
GXXXX XXXX XXXX XXXXXXXX ; Balance : {$15000.00} XXXX/DEPT OF ED XXXX Balance : {$3700.00} ; XXXX/DEPT OF ED XXXX Balance : {$6600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Santander Consumer USA Holdings Inc.
State: DE
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by the Bureaus. Despite sending them written letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CHRYSLER CAPITAL Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

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 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : CAPITAL ONE AUTO FIN Date of inquiry XX/XX/2021 CAP ONE AF Date of inquiry XX/XX/2021 COAF Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello. After being contacted by my bank for an attempt to use XXXX payment I immediately notified the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that I had set up a reoccurring payment with. I was charged XXXX insufficient funds fee even though I had the funds but payment was did in error. I corrected error & notified this creditor. I was told that I would get fees reversed & credited & would not be reported to credit report for any late payments that may occur because of this error. When I checked my credit report my score dropped XXXX points for the {$50.00} fees that I incurred for my payment error that was corrected. I have reached out and sent 2 messages asking for grace & mercy since this ach was done in error but still no response even though I have kept my payment history positive.

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 2023-07-24
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: SC
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unable to reconnect my checking account to my XXXX  account. Previously had access but recently had to reset password. Now unable to reconnect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have several addresses that Ive requested to have removed from my credit report. I did this on XX/XX/2023. They did delete some but not all the addresses listed on my credit report. I only want my current address on my credit report. I sent letters to all XXXX Credit bureaus with them choosing the ones they wanted to leave on my 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/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 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 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 XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX has a inquiry never auth to pull my credit XXXX XXXX also and XXXX

Company response to consumer: Closed with explanation