BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-26
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:
XXXX is reporting incorrectly to Equifax and XXXX that I am an Authorized User on XXXX Card - partial account number XXXX. ( Please see page 10 of the attached credit report. I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my report. I have contacted the two bureaus to fix this issue. The incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: Experian Information Solutions Inc.
State: MD
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 SEND ABOUT 4 TO 5 LETTERS TO EXPERIAN CLEARLY ASKING FOR PROOF AND I WAS TOLD BY AGENT XXXX ON OR AROUND XX/XX/2018 WE DON T HAVE ANY PROOF OF THESE ACCOUNT ARE YOURS.. AND WE CANT VERIFIED THEM AT ALL .. 


ON XX/XX/2018 I CALLED XXXX XXXX XXXX ASK FOR PROOF OF THE ACCOUNT THE AGENT XXXX ID # XXXX THIS ACCOUNT IS NOT IN OUR SYSTEM. I ASK THEM DID EXPERIAN CALL HE SAID NO I ASK THEM HAVE THEY HAVE ANY CONTACT WITH EXPERIAN HE SAID NO : XXXX XXXX XXXX NUMBER # XXXX DELETE NOW ./ NO RECORD NO FILE NO INFORMATION 609 PROTECTS ME AGAINST FALSE REPORTING AND I SHOULD POINT OUT HERE THAT THAT'S EXACTLY WHAT THIS IS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 


THE XXXX XXXX XXXX ACCT # XXXX I CALLED THIS ON XX/XX/2018 TALK WITH AGENT XXXX ID XXXX I ASK HER DID I HAVE ACCOUNT SHE SAID NO FILE FOUND SECOND QUESTION ASK DID EXPERIAN CALLED OR EMAIL SHE SAID NO ... 
UNVERIFIED INFORMATION NEEDS TO BE DELETE NOW FIX CREDIT SCORE BACK TO XXXX THANKS GOOD DAY THIS LETTER WILL BE SEND TO THE ( FEDERAL TRADE COMMISSION ) THE SUBCOMMITTEE ON BANKING, CREDIT AND INSURANCE, AND THE DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATIONS ( DIVISION OF CONSUMER COMPLAINTS. )

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 2018-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am contacting your firm due to my stolen documents and jewelry that I kept in a safe deposit box at your bank located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX. My husband went into your bank on or around theXX/XX/XXXX to empty out our safety deposit box just to find out that it had already been emptied out. At this point one of the workers stated that they could not open it without his key, which that isnt true. Why would I pay for the use of a safety deposit box for years if it is empty? Why would you state you will credit me back one if you knew it was empty? It does not make any since to pay for a box that nothing is in for years. We have not been there for years, you should be able to see the last time we opened my safety deposited box prior to you telling us to empty it out because you are closing the branch in XXXX XXXX. I had over 25 thousand dollar in jewelry in that safe as well as my last will in testament, and all the titles to my properties which now I will have to pay to have it replaced. Its hard when you cant even trust the bank. My husband should have called the police before he left your facility. I called several time and was placed on hold. I held for 30 minute twice and 15 minute several time before someone said they would have the supervisor call me back. They gave me several numbers and I called them all.

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 2018-06-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 I made an agreement of payment for an Sync/XXXX account that is negatively listed on my CRA 's to be to be removed. The company agreed to delete this tradeline from all credit reporting agencies and sent me a letter of agreement. I've submitted this letter along with a dispute to the credit reporting agencies for deletion and Synchrony keeps returning the dispute as valid information and not complying with the deletion.

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 2018-06-27
Company: SECURITY FINANCE CORP
State: NV
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:
I took out a payday loan with XXXX in XXXX NV. in XX/XX/XXXX and have been unable to pay it back. It is now on my credit report in collections. XXXX continues to run hard inquiries on my credit even though I have asked them twice not to do so. I personally spoke to an employee named XXXX ( last name refused ) and asked him not to run any hard inquiries. He said they had right to do so because they just wanted their money. I told him he was wrong because I was not applying for a new loan, it's an old unpaid loan. I was notified by XXXX  XXXX that another hard inquire was done today XX/XX/XXXX. This makes four hard inquiries since my unpaid loan went to collections and on my credit report. They will not stop.

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 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I'm went in to XXXX XXXX XX/XX/XXXX with a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. Capital One, XXXX Credit Card , XXXX XXXX. XXXX Car Finance has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Oliver Adjustment Co.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 OAC XXXX placed a collection incident on my credit report in the amount of {$95.00}. I never received any invoice for any medical bill for {$95.00}. The address and phone number given to my credit reporting company ( XXXX  ) is : Directory : XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. As a result, my credit took a hit which is especially damning when you are getting a pre-approval for a home! This company should face consequences. They did not respond to a phone call.

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 2018-06-27
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection of my XXXX and XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are reporting " Time SInce Negative '' as being XX/XX/2017. This being a " Negative Account '' showing that it appears I was late or didnt pay a bill just 11 months ago vs actual 4+ years since I have been late on anything. This is having a tremendous impact on my credit score and is causing me to be unable to purchase a car. I have disputed till I can no longer dispute on line, I have called and am told " this is correct ''. First, I am not aware of this bill as I have never received any information on it. I explained to the rep with XXXX that I have a copy of my lease showing that I have lived at this address for almost 5 years and according to XXXX that isn't good enough. " They already proved it is yours ''. I dont see how, I would like something showing I singed for this contract. The rep says it isnt impacting my score but if that is the case they why even have a " Time Since Negative '' for a potential lender to see and judge me by. As I said, I have paid my bills, every one on time no late payments for the past 4+ years. In reading other post regarding XXXX   they seem to be notorius for reporting wrong " Time Since Negative '' Information causing a lot of others problems.

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 2020-12-12
Company: Experian Information Solutions Inc.
State: MS
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:
Hello I have been a victim of Identity theft, and I fill my file has been compromised because of incorrect addresses that have been allow to stay on my credit report, I have contacted reporting agency to have them removed but they haven't complied.

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 2021-05-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: CITIBANK, N.A.
State: HI
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:
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-08-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regions do I owe you guys any money

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 2021-05-06
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Asked for assistance over a month ago ( XX/XX/21 ) with issues with my account. I've been locked out due to having no 2FA codes for my account. It asked for 2FA codes even though I had not set a 2 step factor authenticator.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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:
hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Working with XXXX XXXX CEO XXXX XXXX who directed me to XXXX XXXX a higher up in the Ohio. I need 6 months of relief. I have {$100000.00} in equity. I have owned home for 13 years I don't want to have to sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I checked my credit reports and found two accounts shown that were placed in collections. Both accounts were listed by Radius Global Solutions, a debt collector located in Minnesota. Both accounts show the original creditor as XXXX XXXX XXXX XXXX. One account was for {$1500.00} and the second was for {$110.00}. I immediately filed a dispute at XXXX   and XXXX for these accounts as I never have received services from XXXX. XXXX investigated the accounts and removed them both from my report. XXXX   investigated but only removed the smaller account. I contacted Radius Global Solutions and advised them that there was an error and I never received service from XXXX XXXX XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX in the past at my address or was ever contacted by them. Also, I was never given any notice from Radius Global Solutions about the account they were trying to collect on. Radius never contacted me by mail or phone. My first knowledge of the account was on XX/XX/XXXX when I check my credit report and discovered it there in error. I also contacted XXXX and they did not have a record of a bill for me. They advised the date of service was XX/XX/XXXX at XXXX XXXX XXXX in XXXX TX. I contacted XXXX XXXX XXXX hospital and gave them the service date and my name and they did not any record showing that I came to the hospital. I have never been to XXXX XXXX XXXX or received service from XXXX. I made this known to Radius and they continue to call me to collect bills on this account. I am now beginning to get notices for other charges and other service dates that are also in error from Radius Global Solutions. Also, they are calling me from " spoofed '' numbers  from my area code.

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 2022-01-05
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On or about XX/XX/2021 I filed online to terminate services with XXXX XXXX XXXX Thereafter I returned the equipment ( cable box ). Several times in XXXX and XX/XX/2021 ( on four ( 4 ) separate occasions ) I communicated directly with personnel from XXXX all of whom agreed over the phone that I did not owe anything further and would make the appropriate adjustment to the account. Since that time XXXX has forwarded the account for collection to XXXX XXXX XXXX who has now damaged my credit report by filing a report claiming I owe {$350.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank with Wells Fargo. This bank sends returns checks thru your checking account a second time without the company the check is written to. I paid XXXX to the Electric company XXXX XXXX XXXX  I contacted XXXX XXXX XXXX once I realized the check did not clear my checking account.

XXXX XXXX XXXX told me to go and pay the bill using cash because they do not send checks back thru. I did this within a day the check was being processed again thank XXXX  I was able to stop before it processed. Wells Fargo has done this to me numerous times causing me more ridiculous bank fees. I live on a fixed budget. When this bank does this it causes other items not to clear. I called them and asked for their policy on this topic to be mailed to me or the Corporation address so I could write them. I asked them also for the policy on Wells Fargo deciding to run a check back thru my account when the company I wrote check to states they do not run a check thru a 2nd time. Wells Fargo practices needs to be looked into. I check my account on XXXX2018 at XXXX again at XXXX and each time my account balance was different. I had a car payment return the finance company said they do not run the check again unless I call them. Well sure enough Wells Fargo sent the check thru again and again more fees. I cant get ahead. My mortgage is behind. I just loss my XXXX  JOB and all the bank fees are really putting a strain on my finances. Please look into this. Consumers should be told that even if the company the returned check is on does not re run the check Wells Fargo does?? I have been asking them over and over how they die credits and debits. No clear answer once had a line of credit never used it and they just closed it.

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 2018-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Bank of America ( BOA ). During the term of the loan, BOA changed the terms of the loan incorrectly, adding almost {$1000.00} to my monthly payment. I notified BOA and I only got replies from them that they would look into the problem. This lasted for six months ' time. BOA never resolved the problem. I paid off the loan subsequently and then contacted BOA and my attempts were rebuffed. Finally, BOA contacted me to work out the over payments, after I filed a complaint through CFPB. BOA and I discussed the matter and BOA made an offer to settle all moneys due. We discussed the settlement amount and a confidentiality agreement. BOA asked me to sign a letter to CFPB that we had reached an agreement. I refused and stated, not until all details were worked out and papers signed. BOA never signed any papers. BOA sent a notice to CFPB that we were 95 % in agreement and then CFPB closed the case. After the case was closed, BOA stopped talking to me and has not continued any further discussions to resolve this matter. I will attach a some emails from BOA 's attorney that shows BOA was in agreement that monies were due me. I would like BOA to pay me the extra money that I was forced to pay. This can only be done if CFPB opens another case file.

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 2021-05-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hello, I've been trying to reach out to child support enforcement and the 3 credit bureaus on behalf of my credit report. this account is hindering my ability to obtain credit I am willing to make a type of settlement and comply and I have asked for variable proof of this account its been more than 30 days and I have yet to receive any updates. I called fair credit act and they said that by law they are required show proof. I sent XX/XX/2021 a certified letter because I was advised by post office that this would be the most accurate way of them receiving mail instead of normal mail. I will send you proof of those slips.

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