BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
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:
Tenant from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXX XXXX  XXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing.

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account.

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ca XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.

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 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was charged XXXX balance transfer fees of {$420.00} and {$60.00} in separate instances, and these fees are unauthorized because I did not receive a letter of disclosure or any type of information stating that I would be charged for using the balance transfer checks. Bank of America is forcing me to pay {$480.00}, which I will not pay. Requesting your assistance in resolving this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX of 2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.

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 2021-08-10
Company: Experian Information Solutions 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:
This is my 2nd request to date disputing an erroneous Bankruptcy that has been placed in the public records section of my consumer report. The credit reporting agency has yet to show proof of how the Bankruptcy was verified. I have requested under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I requested the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted regarding this alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have yet to receive any of this information.

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 2021-08-10
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Honda Financial Account ending in XXXX is still being reported to the 3 credit Bureaus as open when account was satisfactory paid off on XX/XX/21 by law under FCRA this account needs to be deleted from all three credit bureaus for reporting inaccurate credit reporting on my credit profile and I want this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In XXXX, without notice, XXXX XXXX XXXX force closed two of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX XXXX XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX XXXX XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX XXXX XXXX also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to Equifax or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up XXXX XXXX XXXX 's mess. This should be XXXX XXXX XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX XXXX XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX XXXX XXXX straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Equitable Acceptance Corp
State: ME
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Through Equitable Acceptance Cooperation I understood that the payments that I was making to them would be included in public loan forgiveness program, before I began making my payments to the student loan services but they were not. I did n't realize my APR would be 17.99 percent and it would take me 3. Years to pay off {$1200.00}. At XXXX a month on top of my student loans. I trusted the contact person rather than reading pages of online fine print, as I had just graduated from college with a large loan and no job yet. I feel they took advantage of me at a vulnerable time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosing during the appeal period. As well as refusing to review with change of circumstances of the wife not returning to work.

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 2021-08-09
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:
I have sent several letters asking them how they verified a bankruptcy and always come back as verified accurate, I call the local US bankruptcy court and they have emphatically stated that NO ONE for any of these Bureaus, XXXX, XXXX  or Equifax have called once to verify the information. They are using a third party data base as i am thinking to gather or verify this type of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
received notification from credit agencies that the collection account has been placed. I, then have tried contacting the collection agency on several occasions and requested a verification of debt in writing 4 times 3 months ago. To date I have not received a response. Asking for the collection agency to remove the entries from all XXXX credit reporting agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This is in reference to case # XXXX. I have not received any correspondence from Chase since I received a letter dated XX/XX/XXXX where they admit their mistake and advised me I would have resolution within XXXX days. I have called and left a voice mail with XXXX and have received no response. In addition, after pulling my credit report today, it shows a large " past due '' balance which is not correct. XXXX is also showing that Chase has reported my payments late by 30 days in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX. Lastly, I have not yet received my XXXX tax form which I need to file my taxes. This form is " unavailable '' when I log into www.chase.com. I also have no faith in the actual amount that will be reported on this form since my loan is so messed up. I want an update on my loan and resolution to all of the issues I 've listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I Disputed The following account on my file for XXXX. No validation has been provided to me and other Credit agencies have removed this from my file but Equifax insist they have validated this account but they have not provide me proof and they continue to report this bogus account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not 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 explanation
Consumer complaint received 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
review these accounts that appear on my credit report, without any authorization, they are not mine. 
Identity Theft 08 CAPITAL ONE BANK USA N A Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had applied for a Macy 's credit card on Macy 's store on XX/XX/XXXX. After it was approved online on the store on that same day, I was able to make a purchase on store with those details. But I did not receive the card yet and was told it would reach to my residence soon. But it never did. I had called Macy 's customer care numerous times and was told due to some logistics issue the card was lost in transit and I 'll receive the replacement card soon. But I never reached to me. However, I made online payment on XX/XX/XXXX from XXXX XXXX for that store purchase. But on XXXX account, the transaction was showing towards Citibank, so I cancelled it later thinking a fraud transaction. But after couple of days, when I called up XXXX I realized it was a Macy 's Citibank card . So I requested XXXX to re-send the transaction. As a result, XXXX debited the amount of XXXX again from my account. So basically there were XXXX debits and XXXX credit in my XXXX bank account for the same amount of XXXX which gave me the impression that the charges were successfully credited to Macy 's Citibank account. Later when Macy 's confirmed they had received the amount on XX/XX/XXXX, I had closed the account because I never received the card till then. However, on my surprise I got bill from XXXX on XX/XX/XXXX that XXXX did not re-send the amount after they had withdrawn it initially. So I called up XXXX bank again and requested them to re-send the amount. They confirmed they had successfully re-send the amount to Macy Citibank. 
But when I contacted Macy Citibank, they said it would take 2 billing cycle to reflect it in my account. But now even after 3 months, Macy 's account is still showing up the charges and they are saying they have n't received the money. I do not how to resolve this issue and I 'm really frustrated because XXXX says they have transferred the money but XXXX Citibank is saying they have n't received the amount. On top of this, Macy has complained to Credit Bureau marking it as Delinquent account. As a result, my credit score has dropped more than XXXX points and has gone from XXXX to XXXX. Please help me in resolving this issue at the earliest!!

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 2021-08-09
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Hello, I have an account in collections with Calvary Portfolio in NY for a previous account I had with XXXX Bank which was a credit card used for XXXX bills. We had a balance of {$460.00} as of XXXX 2014 with XXXX Bank which was charged off to Calvary and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both XXXX and Calvary attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for XXXX bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.

Company response to consumer: Closed with non-monetary relief