BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I would like a real investigation do to a late payment from XXXX XXXX that was put on my experian credit report that is inaccurate. I have filed a dispute with XXXX XXXX do to automatic payments error once setup by a representative after filing they removed the late payment from XXXX and XXXX and I am trying to find out why this has not been removed from Experian. I have disputed with you previously and got letter saying updated. This is far from the truth and I believe you 're committing FRAUD on my account by reporting inaccurate information when I request physical proof! I request a human investigation to verify with documentation proof from the creditor reporting this information and have this sent to my address. 
If my request is not completed I will take legal action for my requested information of proof and compensation for violating the FCRA. 

If proof can not be provided I would like this to be removed off my credit report immediately. 

This Account is also a business card that should only report on my business profile. 

Attached if my proof this has been removed no please send me your proof.

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 2022-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Check number XXXX for the amount of {$1000.00} was paid by Bank of America on XX/XX/2022 and funds were debited from my account. 

The same check was again deducted from my account on XX/XX/XXXX. 

I escalated this transaction to a Bank of America manager identified as XXXX at XXXX ext XXXX on Wednesday, XXXX XXXX. We spoke for XXXX minutes. He reported this error and informed me that the funds would be reversed within 48 hours. 

I logged into online banking, checked the message center and found that this dispute has closed with no explanation and the fund still remain undeposited. 

There was no communication with the bank. I attempted to discuss this with a local branch but was told I would have to wait as they were busy and then I could make an appointment for next week so they could call the back office on my behalf. 

This is the problem with banks now. Branches are there to support users they are there to market banking products. Most banks in our area are temporarily closed. This isn't a one off situation. I have had similar experiences this year with Bank of America and XXXX XXXX. As a CEO of a startup, I depend on competency when it comes to banking. If you are unable to count on tellers providing hold times, ability to handle wires accurately and send funds out with correct SWIFT codes, to ability to only process checks once, etc. are basic competencies that must happen without errors. Unfortunately when talking to today 's performers, they are addicted to XXXX performance and our surprised when you actually know as much or more than they do. Sadly, I once was a Bank of America employee when we could actually make decisions at the office level. Those days are gone. I am closing my account and turning to a local bank where people can actually take care of you. Have an intelligent conversation and return phone calls. 

I want the funds redeposited to 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 monetary relief
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: AL
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:
First and foremost I am submitting this complaint on behalf of myself and not a third party. this is my second request about this matter and I dont know what the problem is with Equifax and XXXX not abiding to the laws. I am a victim of identity theft and they are still reporting this information after I have already sent the proper documentation about these fraud accounts. I'm tired of this inconsistency with these credit reporting agencies the only one who seems to follow the laws is XXXX in this case. According to the FCRA law once the consumer makes it aware with documentation these fraudulent account should be deleted within 4 business days it has been over 4 months!! what is the problem? I have been trying to secure a home for my family and this fraudulent information that is being reported is causing me emotional stress and a financial burden because of lack of compliance from Equifax and XXXX as they continue to ruin my reputation by reporting this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
Comenity Full Beauty claims I opened a credit card account in XXXX, used the card, and didn't pay the bill. In XXXX I contact XXXX XXXX XXXX as they are the ones who alerted me to the new account and filed a fraud report. Now this credit card issuer is negatively affecting my credit score. I filed a dispute with XXXX and in two days they claim they verified with Comenity that I opened the account. I did not open, nor use, such an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.C System has been reporting debt that has never been owed and was paid directly to XXXX. In addition i have tried numerous of times to have issue resolved with them however they refuse to do anything about it. They never validate debt correctly, they provide wrong information to Credit Bureaus which in return damage my credit and reputation. Most recently for the month of XXXX they have affected my credit drastically by XXXX points by double reporting- this is not the first time they have done this back in XX/XX/XXXX they attempted to do the same however they deleted one of the profiles and continued to attempt to collect for the same items that have already been paid in full. This month of November they decided to double report negative inaccurate information once again. They reported account twice in one month with Zero Change one action was done on 1XX/XX/XXXX second action was done on XX/XX/XXXX which is in violation of the FTC Reporting Act i am emotionally drained and devastated with dealing with this company and all of their illegal tactics. It seems that they are not held accountable for any of their actions.

I have already asked them to seize communication with me in addition i am ready to file a report with local police department as well as i have never owed this debt to XXXX or IC Systems.

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 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion deleted an unknown account collection from XXXX from my credit report. 
They then re-inserted this previously deleted information. 
The collection company has not validated this account to me. 
The credit bureau did not legally give me advance warning that they were re-inserting this information 5 days in advance. 
The collection company did not legally give me advance warning that they were re-inserting this on my credit report. 

Please delete this account. Permanently.

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 2021-11-25
Company: EQUIFAX, INC.
State: MI
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 would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Professional Finance Company, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never received a right to dispute or a validation of debt. Furthermore, I have filed previous complaints alleging re-aging and inaccurate credit reporting. I am attaching a copy of my XXXX credit files, provided directly from the credit bureaus. These documents prove that the date of first delinquency and date of removal are all different. With correct reporting this would be impossible. The date of first delinquency is a firm unchanging date that must remain the same between bureaus as it is a record of fact, a singular point in time that the alleged debt became delinquent. The bureaus do not generate this information, it is provide by the collection agency. This inaccurate information is a violation of my consumer rights and a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the XXXX  XXXX continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: CO
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:
Equifax is reporting a duplicate XXXX XXXX account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XXXX  2018 and one still has a balance of {$950.00}. I have no open account with XXXX XXXX. I have called XXXX and notified them of the problem, they insist they are reporting it correctly and it is on Equifax to fix. I disputed it several times in writing with Equifax and they insist that is how XXXX is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For many years my phone number has been associated with a debtor. Each company eventually sells the debt and then that collection agency starts calling me looking for someone named XXXX XXXX XXXX spelling )? I have tried unsuccessfully to get each company to remove my phone number, but they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt was included in Bankruptcy

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 2021-11-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Reference complaint XXXX. Chase- while still resolving fraudulent charges on an account I closed because of the fraud, CFPB you can see their letter attached to the referenced complaint, notice the date and then think out loud how long it takes for said dated letter to show up at my mailing address - charged me late fees and 'purchase interest charge ' for the prior period while all this fraudulent XXXX was still pending resolution! In which they admitted they were wrong! How is this possible? How is this fair? How often is this happening to Chase consumers, at scale? And this income is showing up in Chase 's SEC filings? Hello - anyone care anything about this madness?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions 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 am writing to delete the following information in my file, the item I need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove this item from my file to correct my credit report. I also reported the theft of my identity to the federal trade commission mission identity theft affidavit. remove these items 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 2022-05-06
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because XXXX  XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX I opened a credit card account in XXXX, used the card, and didn't pay the bill. In XXXX I contact XXXX XXXX XXXX as they are the ones who alerted me to the new account and filed a fraud report. Now this credit card issuer is negatively affecting my credit score. I filed a dispute with Experian and in two days they claim they verified with XXXX that I opened the account. I did not open, nor use, such an 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 2020-04-10
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a letter from National Enterprise Systems stating that it was an attempt to collect a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received services nor products from National Enterprise Systems. I sent National Enterprise Systems a disputed letter and in that same letter I also asked for them to send me an Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with National Enterprise Services.

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 2022-05-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, Equifax and XXXX are breaking the law per 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR EQUIFAX, XXXX OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! Ive sent certified mails to each consumer reporting agency in which I was ignored and its been well over 30 days! 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022 XXXX XXXX XXXX  Equifax - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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 am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
They still have old information XXXX on my credit. I no longer have a file with them so it is wrong they have it on my credit. Not only they have fraudulent collection on my credit for a credit card I never used with XXXX XXXX XXXX. They refuse to deal with that fraudulent information as well that XXXX is not my charge and if they would do their investigation and call bank XXXX they would see it 's a fraud case and XXXX XXXX XXXX was sending my statements to somewhere in fl and I live in ny. I posted valid information below.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: EQUIFAX, 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 status incorrect

Complaint:
I recently was informed by XXXX that after a review of my account, based on credit reporting from Equifax, one of my credit cards which was inactive and had a zero balance was closed. The decision was based on information from Equifax which claimed that I had serious delinquency and/or past due accounts, poor payment history, too many requests for credit, and age of accounts. 

None of that is accurate. I consistently check my report to ensure no fraudulent activity occurs, I have not been late on any of my financial products in the last 10 years. In fact, according to their own reporting, it would appear as stellar, with zero payments late, no past due accounts, low balance carried month-to-month, etc. 

All the information within my report is contrary to what is claimed in denial letters. I have reached out to EQUIFAX on several occasions to try and get to the root of this issue. Yet, each time I have spoken to one of their agents, they are hostile and rude, and no resolution has come to light.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I recently sold a home ( XXXX XXXX XXXX XXXX, Ohio XXXX ) and the hole was in me and my wife name. Every payment was sent by us the home owners! There was a overpayment and XXXX  ( PHH mortgage ) refused to make a check out in our name after stating they will. Very bad company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NEVER HAD A ACCOUNT WITH THIS BANK IT SHOWED UP ON MY CREDIT REPORT ITS NOT MY ACCOUNT

Company response to consumer: Closed with explanation