BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted Equifax regarding an outdated listing on my credit report. I advised them that " The listing for " XXXX '' is outdated. Please note the following The " Date of XXXX Delinquency '' is XX/XX/XXXX The account " Date Closed '' is XXXX XX/XX/XXXXEither date is beyond the seven year provision that adverse information is listed in credit files. These listed dates reflects the timeline that you should apply to determine when this account should have been deleted from my credit file. Again this merchant listing should have been deleted from my file during XX/XX/XXXX ''. 

Equifax did a slipshod investigation and refreshed the dates on the account and deemed it an investigation. The information was not removed as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
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:
The XXXX account negatively effecting my credit report was a mistake. I paid and closed the account. They still reported it to the Credit Bureau. I disputed the charge 4 different times, the case wasnt looked into. XXXX says it was a mistake and they have filed a request to remove it from my account but still nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Premium Credit Bureau
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired on XX/XX/18 and I noticed an unauthorized inquiry had been made. I sent out letters, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry on my credit report to determine who authorized the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I found out I had a security freeze on my personal credit report and I sent in the right documents to prove my identity to get the security freeze lifted Experian head advise me to do so so I mailed it in and I received a experian report number XXXX - XXXX - XXXX For XX/XX/2020 .... all it says is a work we received a request to temporarily or  permanently remove a security Freeze from your personal Credit Report or for a personal identification number reminder. Our records indicate that your file does not display a freeze if you have any questions please contact us. Well when I tried contacting them there's no one to talk to you on their phone lines I tried I tried every which way now I can go on my phone there's no one to speak to they don't let you talk to anybody. I dont know what to do cause everytime i apply for credit it boots me automatically and saying on my credit disapproval mail letter my security freeze needs to be lifted. Im trying to rent a apt . How do i XXXX do taht with no options now ....

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 2020-08-16
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attention Deputy Director : XXXX XXXX I have disputed this medical bills with both the collection agencies, both of the credit bureaus. Merchant Credit Guide is located at XXXX XXXX XXXX XXXX, XXXX  Il XXXX, Creditor : XXXX XXXX XXXXXXXX  dated XX/XX/XXXX in the amount of {$1300.00} at which time all these medical bills should have been paid by both of my health insurance, for all billing in this complaint that I have enclosed here. Now Merchant Credit Guide has this collection on my report with XXXX XXXX in the amount of {$1300.00} and XXXX  has it on my report in the amount of {$890.00}, # 2. Merchant Credit Guide has another collection on my report for XXXX XXXX XXXX  the amount of {$350.00} which also should have been paid as stated above. # 3. Now come XXXX XXXX XXXX that has a collection on my report in the amount of {$370.00} which also should have been paid as stated above.
XXXX XXXX XXXX health insurance through my employers that I had as well as Medicaid that I have and continue to have.

Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I went through a bankruptcy in XX/XX/XXXX through XX/XX/XXXX. I received a chapter XXXX discharge. As part of the bankruptcy process I surrendered real property which has an address XXXX XXXX XXXX, XXXX, GA XXXX. I immediately vacated the real property and did not force the lienholder to evict me. The mortgage was serviced by Everbank. I have recently attempt to rent a home. Through this process, it has come to my attention Everbank is reporting they filed an eviction action against me ( though they list they evicted me from XXXX XXXX XXXX, XXXX, GA XXXX. This report is fraudulent and I believe it was reported as a punitive measure because I filed for bankruptcy protection. I was never served any paperwork and I was never given an opportunity to defend myself. The listing is wrongful and is causing me actual harm. I have contacted Everbank and they have callously refused to correct their misrepresentation. They are willfully taking action which iskeeping me from even renting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Bankruptcy

Complaint:
My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was XXXX on XX/XX/2014. Chase Bank continues to show up on my credit report as a balance that is past due, preventing me from rebuilding my credit and damaging my scores. At almost XXXX years old, my bankruptcy attorney told me that they ca n't do that, but he ca n't help me fix it. Please have change correct their errors and apologize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
Shellpoint Mortgage has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with Shellpoint Mortgage. Shellpoint will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. Shellpoint has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
This complaint relates to Bank of America. Background : The State of Michigan sent a letter about pending unemployment benefits. I've never filed for unemployment, and am the victim of identity theft of my name/SSN. I reported this at State of Michigan unemployment site. Subsequently, I've received a Bank of America Michigan Unemployment account debit card in my name ( never requested, fraudulent ) for unemployment fund access, with activation instructions. I've attempted to get BOA to close this out immediately as the account is fraudulent. However, Bank of America call number provides no path for this. Their online support options are only available for activated cards/accounts. Their hotline simply points users to State of Michigan site, which is non-responsive to requests. I am resourceful at navigating customer support systems but this one seems to provide no path for this type of fraud. I believe that BOA has the legal responsibility to completely close down fraudulent accounts, but they seem to block any venue for reporting that fraud ( perhaps due to the high rates of unemployment fraud, and the service overhead this would cost them in administering their cards ). Any help is appreciated, thanks.

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 2020-02-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I don't recognize this inquiries, i never applied for this. I believe that i was victim of Identity Theft, somebody used my personal information and applied for this companies.

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 2020-05-26
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX  regarding a past due bill. They let me know that I could still make the payment to them which I did the same day ( account was paid in full ). Sunrise Credit Service won't remove their account from my credit report and I don't understand why because it is my understanding that once I paid XXXX XXXX XXXX  I was no longer indebted to them. 

If XXXX XXXX XXXX truly didn't own the debt they legally would not have been able to collect on it so I don't understand why Sunrise Credit won't remove the amount from my 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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-16
Company: Experian Information Solutions Inc.
State: DE
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 had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. XXXX and Experian advised they did an investigation, however left innacurate items on my report. XXXX never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.

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 2020-08-16
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
Called creditors Dispute letter With Creditors Dispute letter with Credit company. 
File Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
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 status incorrect

Complaint:
XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times now. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. 
My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. 
I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. 
I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 
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 2015-08-27
Company: CHECK INTO CASH INC.
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Took out a, loan of {$550.00}, payments automatically taken from my XXXX card for {$100.00} on the XXXX and XXXX of each month. Interest rate is % XXXX totalling XXXX being paid back on a {$550.00} loan. I have since lost my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: DE
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 had disputed some accounts on my credit report that were inaccurate on XX/XX/2020. XXXX and XXXX advised they did an investigation, however left innacurate items on my report. Equifax never responded. On XX/XX/2020, I requested their method of investigation, as I was not sure how these items could not have been possibly investigated and still on my credit report and I have yet to receive a response to their method of investigation for these items that they have deemed " verified ''. I understand the bureaus are having delays due to COVID, but the fact that they are down right ignoring my dispute request and also ignoring my request for their method of investigation is frustrating and unacceptable. Under the FCRA I have rights and they are continuously being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: NC
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, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX  XXXX accounts XXXX XXXX XXXX accounts XXXXXXXX XXXX accounts XXXX XXXX XXXX accounts XXXX XXXX XXXX  accounts XXXX XXXX accounts XXXX accounts XXXX XXXX accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: U.S. BANCORP
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 information incorrect

Complaint:
On XX/XX/XXXX, I made a first mortgage payment to US Bank from my checking account. In error the payment was sent to my US Bank home equity line account. I made several calls to US Bank to inquire why my XXXX payment was not applied to my first mortgage. After weeks of research no one from US Bank could locate the payment. On XX/XX/XXXX I looked at my Home Equity Line account and saw that my first mortgage payment had been applied to the HELOC. I brought my account current with my own funds on XX/XX/XXXX while I have to wait weeks for this payment to be reversed and a check to be sent back. This is an additional {$3500.00} I am out of pocket due to the misapplication error. During this research time, US Bank reported a 30 day delinquency on my first mortgage and now my credit score has dropped by over 60 points. I have tried to US Bank to reverse this negative reporting but they have said they can't help me. I have never missed a payment on my first mortgage or my HELOC or ever been late on this mortgage which I have had for 5 years. I have had mortgages since XXXX and never been late on any payment. 

Included my bank statement showing my XXXX Payment to US Bank that was applied to HELOC and not my first mortgage.

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 2020-08-16
Company: MS SERVICES LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to Clovid-19, we are having difficulty paying our mortgage. I called our loan company, XXXX to refinance. I was advised on both my husband & I need to get some debts taken care of. I can't pay the debts as I'm having difficulty paying my mortgage. A loan processor @ XXXX said if I get a letter from the credit company 's saying " If I pay debt in full, it will be taken off my credit report. XXXX XXXX on my husbands credit report sent me a letter saying this. My debt company M.S. Services, L.L.C. will not give me such letter as they say, " due to their contract with XXXX XXXX XXXX XXXX, it will stay on my credit report as PAID IN FULL ''. My debt was {$150.00} and I paid it in full on XXXX XXXX. They still will not give me such letter. I have called M.S. Services MANY time and have asked for a supervisor. They have been in meetings and have NEVER returned my call. I called the bank where I was delinquent and was transferred to many departments and on hold ALL morning. I have asked for their collections dept. and no one can find any debt sent out. I asked for manager and had to leave message. NO return calls.

Please please please help me remove this debt from my credit report.

Thank you I can not refinance my AmeriHome loan because I need a letter from M. S. Services, L.L.C. saying " If I pay this debt in full it will, it will NOT be reported to the credit company 's.

Company response to consumer: Closed with explanation