BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
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: Account information incorrect

Complaint:
I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.

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 2018-03-28
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 information incorrect

Complaint:
On XX/XX/XXXX I submitted disputes to Experian in regards to 40 accounts that were reporting improperly on my credit report. Me and my Husband had a BK onXX/XX/XXXX ( discharge date ) that which these items were included. On XX/XX/XXXX Experian claimed these were " investigated '' ( in less than 24 hours? ) and remained the same. I then again, disputed these items with the legal documents ( attached ) on XX/XX/XXXX ( I do not have the ability to upload the complete BK file, it is too large ) and again on XX/XX/XXXX Experian refused to properly update my report. Isn't this against the BK law? What can I do? Do I need to take Experian to court? I would greatly appreciate your 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 non-monetary relief
Consumer complaint received 2019-08-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, SunTrust bank froze our account and refunded a check we wrote without notice and would not let us move money in any way out of the account without explanation. The check was legitimate and we tried calling the bank 3 times to verify but they still caused the check to be returned and NSF fees. We want our money out of our 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 2020-05-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I spoke with this American Express on XX/XX/XXXX to cancel the credit card since i was alerted a fraudulent charge was made at XXXX XXXX, on the same date i canceled my card. I was a victim of RFID Chip reader device, i thereafter purchased RFID sleeves for all my cards in my wallet, because i was a victim of RDIF card reader, while on the XXXX XXXX to see my family. 

I filed a police report, and went to the store my self, this was not resolved despite my due diligence. XXXX XXXX, could not provide a signature for the sale or camera footage of the individual claiming their camera was off. p I worked with a detective that failed to complete the investigation. I was issued new credit cards the day this happened upon my own request, but the charge was not removed! 

Furthermore, my Mother died of XXXX during this pandemic, I alerted AMERICAN EXPRESS, of both the financial hardship and my loss, that i would make a payment as soon as possible, i have ALWAYS been in good standing since opening my accounts in XXXX. Despite my efforts to work with me, under this awful global crises, American Express breached fair debts collection acts and proceeded to harass me, both through 1 - 800 numbers, ( which i still answered and reexplained my current circumstances ) and under standard telephone numbers like XXXX. Hiding the identify of collecting debt. I pleaded to maintain the integrity of my account, until this pandemic passes- instead American Express took actions taken against me by canceling my accounts and sending me to a collections agency even though I paid as soon as I could on XXXX XXXX to get my account current!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$740.00} written off. 

U.S. DEPARTMENT OF EDUCATION XXXX {$3000.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3400.00} US DEPT OF ED/XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$47.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL THESE PHONE # ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL THESE ADDRESSES LISTED AND THESE ACCOUNTS LISTED ABOVE ARE NOT MINE ^^^

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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:
The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months.

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 2017-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Despite repeated written requests for statements for my auto loan be mailed to me. According to XXXX in Collections at USAA as of XXXX-17 my account was still set up for online bill delivery, which USAA has restricted my online access, preventing me from viewing my statement and paying my bill. The paperwork I have received regarding this auto loan are late statements, with no account information or payment stub to submit payment. Yet I was assessed, late fees and if I had not called into USAA collections to make a payment my credit would have been negatively impacted despite USAA 's failure to comply with the fair billing act. Furthermore, all of my remaining external bank accounts according to the USAA agent were restricted and not allowed to be used to make payments. So, I was left with no billing stub to submit payment, and no means to electronically make the payment and with no account statement depicting the balance, interest or status of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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: Account information incorrect

Complaint:
The following is copied from the email I sent to XXXX : I recently received notice from my consumer reporting agency that my credit score dropped thirty points. When I logged in to see what happened it shows that the decrease was due to reporting from XXXX. I need XXXX to correct this mistake. I have my payments automatically deducted from my checking account so I'm not sure what XXXX is reporting. I recently called and the woman I spoke with said my payment was late. I asked her how my payment could be late when my payments were automatically deducted and I have not missed a payment. She said she would change my due date to which I expressed my concern. I told her that every time XXXX messed with my account something would get screwed up and here we are. I want this error corrected immediately. I am sending a copy of this correspondence to the Consumer Protection Bureau to file yet another complaint against XXXX! I want this resolved immediately and as well as a prompt reply letting me know this error is being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last month, when I was trying to apply for an SBA loan, I realized that CMRE Financial Services reported a collection matter on my credit report. I contacted them and provided them with proof of payment ( cancelled checks ) of the amount XXXX XXXX XXXX XXXX XXXX billed me for ( the amount my insurance did not cover ). I made numerous calls subsequently to follow up with CMRE. Today, I called again, three times. Each phone call ended up with the employee hanging up on me when I asked them to provide proof that I in fact owe this money. Instead of agreeing to provide proof of the money they claim I owed, I was told to contact my insurance company to ask them why they did not cover the amount they claim I owed. When I tried to explain that it's not the insurance company that's trying to collect from me, and that I needed proof that I indeed owed {$1000.00} to the hospital, I was hung up on. ( I will admit that I was not patient with the first customer service representative, but I was with the second and third one, and yet they both hung up on me when I did not accept their answer that I should contact my insurance company. ) This collection matter has ruined my credit and my chances to obtain an SBA loan during these challenging times due to COVID-19, and I need to get to the bottom of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Investigation took more than 30 days

Complaint:
Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this 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 2019-02-27
Company: C.Tech Collections, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I had emergency surgery to have my XXXX   XXXX. I had applied for XXXX XXXX, because I haven't received my health insurance as yet. But in XX/XX/2017 I received the insurance and they covered all my expenses for the surgery, Which includes my Surgeon fees, scans X-Rays, Hospital Stay Medication and the fee 's C-TECH COLLECTION ( a health care collection agency ) is billing me for. I have contacted them explaining the situation, but no one have gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice okinus paid in full never late agreed to removal from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I submitted a letter to all 3 credit bureaus about removing unauthorized inquiries from my credit profiles. I only received a " verified '' response. I sent a follow up asking who did they verify with. No response. On XX/XX/XXXX I again submitted to have these unauthorized inquiries removed from my credit reports and and yet again they come back as verified. They have done no due diligence in verifying these. I have contacted the companies themselves and they do not have anything with my signature or ID attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Today XX/XX/2020 I was notified from XXXX  XXXX  that my XXXX credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.

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 2018-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been trying to contact XXXX XXXX, XXXX. for several months about repayment of my debt held by them ; I first attempted to contact them on XX/XX/XXXX, and I got a voicemail which said my call would be returned based on the message I was asked to leave ; my call was never returned. I attempted to call again on XX/XX/XXXX, but was met with the same results. On XX/XX/XXXX, I called a third time, again got a voicemail and left a message ; this time, someone returned my call, but I was not able to speak with them at length at that time. We set a time for them to call again the next day, but the call never came. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that XXXX XXXX, XXXX. had sold my debt to them, indicating it was because their attempts to collect on the debt were unsuccessful ; this is false, as I called three times over several months and either no one was willing to speak to me or my calls were not returned as promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-03
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 and did not make the charge. I ask that the item be blocked to correct my credit report. I've been going back and forth with the credit bureaus about these accounts that appear on my credit report that were part of my identity theft case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX   XXXX XX/XX/2020 {$410000.00}

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 2020-12-03
Company: Chrysalis Holdings LLC
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 status incorrect

Complaint:
XXXX  web site posts your XXXX  score as one value but provides a different, lower value to lenders. Their explanation is that the posted value is a CONSUMER score, not a XXXX, however their website specifically says XXXX score. So, believing I had a qualified score, I applied for a VA refi with XXXX, only to be told my " XXXX '' score provided by XXXX  was almost 50 points lower but offered a refi at a rate higher than for which I believe I would have qualified. This smells of a bait and switch scam between XXXX  and the lending industry.

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 2020-05-28
Company: LEXISNEXIS
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:
I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation