BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Thank you for reading this complaint. I hope it will suffice to get the judgement removed off my Equifax credit report ( only on this bureau now ). I have been contacting this apartment complex ( XXXX ) off and on since 2011. Trying to get them to remove this judgement, which should not be on my report, and each time a XXXX manager admits they have no records of me living there and can not verify anything, let alone a judgement on me, and to contact the bureaus. I have done that and XXXX and XXXX XXXX have removed this item off my report a long time ago. Equifax has done nothing. 
I am now in the process of buying a new home for my family and this has become Priority 1 in my life. You can not obtain a mortgage with a judgement on your report. 

Please see the attached document and it stands as proof that XXXX XXXX does not have anything on record about me or a judgement. XXXX XXXX, the assistant manager, wrote the attached letter and I made a copy of her business card on the letter. PLEASE contact the apartment if you would like to verify any word of this letter. Since I have proof this can not be verified in any way. I am requesting Equifax delete this from my credit report. The FCRA, according to my understandings, has to delete either accounts that are not yours or unverifiable information. My attachment meets those standards and guidelines. Thank you for your help as this is SOOOOO Important to me and standing in my way of a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an incorrect address on my credit report, I have never lived there, XXXX XXXX XXXX, XXXX XXXX, ME, XXXX. There is an incorrect birthdate on my credit report, XX/XX/XXXX, there is an incorrect spouse on my credit report, XXXX. I was divorced in XXXX and also he is dead. there is in correct spelling of my name due to typing errors by different agencies reporting on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, there is a wrong social security number on my credit report, XXXX, there are several wrong phone numbers on my report, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX  XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.

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 2015-11-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I asked for my credit to be properly added to my credit profile and it was not even after giving the information and i want my information added to my credit report so that i can be given proper credit just as creditors have the right to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are many issues in my Equifax report. I have a re-inserted collections account from CREDIT MANAGEMENT XXXX XXXX - XXXX  for {$120.00}. They took off this account and put it back on. I have 29 Inquiries from sources I do not recognize that Ive disputed multiple times. More times than I can count. FTC forms have been provided and still no response or resolution. Im unable to upload documents online with Equifax in order to facilitate these disputes. They resort to stall tactics, I have to provide full identification as Ive already been doing. I already provide my ID, social, and still nothing. I have record of how many times Ive disputed with no word from Equifax. I also have late payments re-inserted from XXXX XXXX from XX/XX/2021 and XX/XX/2021. They took off the late payments and they put them back on. The account for XXXX XXXX  has never been late and should display as such. XXXX XXXX has late payments that should not be showing either.My complaint closed in 3 days with no changes. Nothing was changed, even though items were reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: KS
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: ERC
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An account was opened with XXXX XX/XX/XXXX it was then forwarded to ENHANCED RECOVERY COMPANY for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as XXXX as ERC and Transunion. This debt was removed from my credit report by Transunion on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the XXXX department which I did. I received an email from a XXXX explaining what she needed to prove the account was XXXX, proof of residency, I.D police report etc. I gave XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX.at this point It believe XXXX knowingly opened a XXXX account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On Wednesday XX/XX/2016 I checked my credit on XXXX and t total of XXXX hard inquires and XXXX collections were removed from my report. I check my account again XX/XX/2016 and all XXXX hard inquires and XXXX collections were placed back onto my report without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion at least once week since then to try to get this issue resolved and have received no help, no one will transfer me tor connect me to american representative or the fraud department, multiple agents have been belligerent, some have even told me they know what happen but it 's basically too bad and that i should just file a complaint because they will not fix the issue.

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 2022-09-08
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went for a timeshare presentation with Wyndham. They told me they will be checking my credit, but instead they used the information to open not one but two credit card accounts with over XXXX in credit. 

One credit card with Barclays, and another one with XXXX XXXX. This is absurd!

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 2020-07-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX falsely reported a negative account to my credit report. This was immediately corrected by XXXX way back in XXXX. My score dropped over 50 points when XXXX did this. My score did not go back up to where it was when XXXX rectified their error. I have been trying to get Equifax to at the very least acknowledge their mistake. All they do is tell me that I was sent the completed report. Thanks for that. I did receive it. The real problem is that Equifax screwed up my score, and now they just stick their heads in the sand and refuse to correct their blatant error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by XXXX XXXX, and Experian. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.

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 2017-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from bank of america itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
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 2020-03-30
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX just increases your interest. XXXX XXXX XXXX takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and XXXX XXXX XXXX gets rich.

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 2022-09-08
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made two payments for my student loans with Ed Financial on XX/XX/2022 and XX/XX/2022, each for {$1000.00}. After reviewing my payment history recently, I saw some of the funds from each payment had been applied to the wrong loan group. It took me several weeks just to get in contact with someone from this company, and when I finally did, I was able to have a request submitted to fix the issue. The customer service rep quoted me 3-5 business days to resolve the issue. I then call back after that amount of time to confirm they were still fixing it, only to be quoted 150 business days. The rep said that due to a system error on their part back in XXXX, they incorrectly applied funds to a lot of people 's accounts and are now having to fix it, thus the long wait time. An error on such a scale is cause for a reevaluation of how this company is working internally. Especially when this literally is a misplacement of millions or even billions of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
The company ( Chase ) agreed to correct the incorrect late reporting ; however, the late payment is still reflected on the XXXX report, and affected my current refinance because my score was slightly too low for the lender 's credit of over {$400.00}. Chase was notified about this issue in early XXXX, and has still not corrected the problem. Please see the attached evidence, which is a copy of the Chase letter, and a copy of the XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: IN
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-07-15
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi How are you? How's the COVID-19 going? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2.  What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian will not let me dispute unauthorized inquiries on my credit report. I have tried contacting the individual companies involved to request proof or a letter of deletion but have gotten no response from any of them. I tried disputing with Experian several times but they refused each time. I filed a complaint against XXXX and they investigated which led to the deletion of the unauthorized inquires. I then tried to call Experian to send them the results of the investigation so that they could remove the unauthorized inquiries as well but they refused once again.

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 2017-12-14
Company: ARVEST BANK GROUP, INC.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( XXXX XXXX XXXX ) did not utilize the bills sent by the XXXX of XXXX to calculate my taxes/Escrow Account and monthly mortgage payments properly. I was told that when a {$73.00} bill was pushed through as my 6th month tax/escrow payment for my property it was not a concern. I 'm not sure what happened to the original tax bill sent to XXXX XXXX XXXX Company since the XXXX of XXXX is reflecting a payment of {$2400.00}? XXXX XXXX  XXXXe Company verbally accepted responsibility over the phone on XXXX/XXXX/XXXX after not responding to an email sent on XXXX/XXXX/XXXX. I was told that this was an oversight on their part and that if my mortgage was for new construction then it probably would have been red flagged and looked into further. Now my monthly mortgage payment is expected to increase by {$610.00} ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Email sent to their phishing address after I came across emails regarding an account being opened. Received a letter XX/XX/2022 stating the account will be closed by XX/XX/2022 after an investigation revealed the account to be compromised or impacted by potential identity theft. I have also filed a complaint against Wells Fargo with the FTC.

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