BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The spelling of my name is incorrect on my Equifax credit report. I am filing a derogatory mark complaint to have this updated to the correct spelling of my legal name. The correct spelling of my name is : First Name : " XXXX '', Middle Name : " XXXX '', Last Name : " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently paid off my home in North Carolina. Well that is what I thought I did. 
Today, I received a letter stating that I was to pay XXXX At the same time Bank of America has not since refunded my Escrow Money. Why is it that Bank of America can not simply deduct the {$13.00} from my Escrow Account. The XXXX is late charge. I do not see why a bank this size can not just wave the fee. I am attempting to have my credit reports showing the account is paid. Bank America continues to report that my mortgage is not paid. Am I upset with Bank of America? Yes, would I have a mortgage with Bank America again I am not sure. 
Anyone with similar issues can call me at XXXX. I am not an attorney. 
I can not and will not give legal advice. However, if you are looking for moral support a friend I am here for 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 2022-10-01
Company: TRUIST FINANCIAL CORPORATION
State: OH
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:
Regional XXXX has been reporting on my credit report without consent and Bill of Sale did not come from Regional XXXX.

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 2022-08-04
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was asked to send someone on " XXXX XXXX '' XXXX dollars regarding the transaction of a smartwatch. The person 's name appeared as " XXXX XXXX '' ( who changed their name on XXXX shortly after the transaction then the account disappeared altogether ) and when I sent them the money requested, the transaction was displayed in my bank account as " XXXX ''. I have contacted my bank which is Chase numerous times and was refused investigation under the claim that the transaction had been authorized on my end so it could not be considered a fraud. A similar scam happened to a friend ( he was trying to buy something from XXXX XXXX ) using the exact same bank with the same type of debit account through JPMorgan Chase and they were compensated the full amount. Therefore, I have the right to conclude that this financial institute is discriminatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I returned an item I had purchased at XXXX, who issued a refund to my credit card on XXXX XXXX, 2015. The credit has never been posted on my BP credit card with Synchrony Bank. Despite countless calls, promises, " glitch on computer screen '', they have never posted the credit to my account. I have in-hand a letter dated XXXX XXXX, 2015 stating that the credit was applied to my account on XXXX XXXX, 2015. This simply is not true. I have gotten nowhere with their customer " service ''. This past Monday, XXXX XXXX, I was assured by someone named " XXXX '' in the disputes dept that the credit would be posted to my account " within the next 24-48 hours ''. He gave me what he said was a direct line to him and a call-back number. I called that number today and it " is not a working number, or has been disconnected ''. I could write you a book on all the reps I 've spoken to and the shameful runaround I 've been given, but suffice it to say that they have had possession of {$960.00} of my money since XXXX XXXX and I see little hope of getting it back in dealing with them directly. This is the worst customer " service '' experience I 've ever had. I 'm XXXX years old, and certainly I 've had many of these occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14
Company: Coastline Financial Resources, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from ( XXXX ) XXXX telling me I was being served with papers would I be home. I demanded information from the lady that called and she told me to call Coastline at XXXX, ask for legal department and use reference number XXXX. I looked up the number and determined this is a scam on this website XXXX XXXX I gave them no information and do not plan on calling them back. I was sure this was a scam but now I know that it is.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
They have my social security last XXXX digits XXXX wrong names listed for me had a fraud alert that I did n't put in I also had tremendous inquiries that I 've asked Equifax to remove and if they do I have to put a grad alert and I DONOT want another fraud alert on my credit they have made a mess of my life

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I only had XXXX medical bill that was sent to collections because I thought the insurance company paid it. I called the collection agency and paid the balance in full. They sent the info to XXXX and Equifax both that it was paid off, {$0.00} balance and account closed. XXXX is showing that it is paid off and closed, but Equifax refuses to show that. The collection agency changed names at one point. It was reported to XXXX under XXXX name and to Equifax under their previous name, but it clearly shows the same account number, amount, date, everything. Im trying to improve my credit and get my score above XXXX, and with equifax I am almost there. In the high XXXX 's with that collection account still showing.If they would fix it my score should come up. Also XXXX does not show my mortgage that Ive been paying for over 18 years, but Equifax does. My score with XXXX is always lower because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My XXXX XXXX credit card, a revolving credit line with a 23 year history in good standing with XXXX % credit utilization, was removed by TransUnion XX/XX/XXXX. I have called and repeatedly asked this account be returned to my profile. They refuse. When I ask them to put their refusal, and the grounds for it, in writing and send it to me, they refuse. When I ask to be provided explanation, preferably in writing, why the account has been removed from my credit profile and put, as they describe it, in the " deleted folder '' of my profile ( they can still see it is an active account, along with other details ), they refuse to provide any explanation or substantiation whatsoever. On one occasion, a TransUnion representative explained that TransUnion simply " reports information '' and that I needed to have my financial institution request the account be reported. XXXX has made this request, twice, with no action from TransUnion. Twice, TransUnion said it can not, or will not, return the active account, in good standing, to my credit profile. XXXX continues to electronically report this account 's details and did so on XXXX separate occasions XX/XX/XXXX, first on XX/XX/XXXX at the monthly statement close, and again on XX/XX/XXXX when the balance was most recently paid to a zero balance. These are regular and customary instances in which XXXX would provide account status electronically to the credit reporting agency. 

Not having beneficial credit information on my profile is as damaging as having derogatory information. It is the inverse, and has the same negative effect on my credit score. The XXXX account is a 23 year longstanding, active account in good standing with an impeccable payment history and substantial available, unsused credit - all these aspects would reflect positively on my overall credit profile and increase my credit score. TransUnion is negligent in this regard, and is consciously, and detrimentally, reducing my credit score. 

To further clarify, I do not have any dispute case numbers because TransUnion refuses to take any action whatsoever, as well as refuses to put their reasoning, action or refusal in writing so I have documentation.

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 2017-01-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have submitted police report affidavits and FTC report to the credit reporting agencies to remove fraudulent accounts on my credit reports. All have complied except for Equifax. I have sent them the police report 3 times as they claim it was not legible the first time but still are reporting inaccurate information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuous calling back to back starting at the top of the hour. They would call around XXXX then again at XXXX. I was only3 days past due and paying on a Friday. I had my bill scheduled to pay then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Trans Union, like XXXX and XXXX, engaged in the same and related transactions, even after the investigations by each. They are wearing the same clothing of fraudulent providers of consumer credit trusted institutions. They engage in racketeering with the proximity of the cause in the administrative and internal control systems of their factfinders, debt buyers, and original grantors. Trans Union had published what became of my payment on XXXX XXXX, 2015, where the ACH went to the XXXX XXXX XXXX XXXX ( original grantor XXXX XXXX XXXX ) instead of the XXXX XXXX XXXX credit account, now own by a debt buyer, known as XXXX XXXX. Instead of sending the consumer the payment back promptly, it held it until after the cut off date and then transferred it to the right account. No one was monitoring the store until the flag date, which is not responsible collection activities. 

After it was transferred to XXXX XXXX it collected late charges and late interest. I received credits, but the automatic system kept the collection activities up with default fines and fees. I wrote written communications, Emails and made phone calls to a XXXX sales force putting profits before consumers and got no where. When I could no longer figure out what I owed, I stopped payment hoping I would get their ( XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) attention. When I did n't the debt buyers reported me to the credit reporting agencies. I have filed complaints against all necessary parties.

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 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted TransUnion several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.

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 2016-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I received in the U.S. Mail a letter dated " XXXX XXXX, 2015 '' from " Equifax. '' Under the " Previous Address ( es ) : '' lived at column it states that I once lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. Reported : XXXX. '' I have never lived in " XXXX, California '' I have lived in XXXX, California for the last 31 consecutive years. I am the victim of Identity Theft. When I called up " Equifax , '' they refused to " Delete '' this Identity Theft address of " XXXX XXXX XXXX ; XXXX, California ; XXXX '' from my " Equifax '' credit file in the Federal Credit Act law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX/XXXX/2016 I contacted TransUnion by phone at XXXX to dispute inaccurate information on my report. This is the phone number listed on my credit report to contact TransUnion. The representative I spoke to failed to assist me and attempted to transfer me to special handling. Again I just received the voicemail. No one from the Special Handling department has returned my call. 

I called back a second time and when I mentioned that I have questions about my file ; when they found out who I was I was immediately transferred to the Special Handling voicemail again. 

I am disputing the following information : Phone XXXX - Inaccurate phone number Name - XXXX XXXX XXXX - Inaccurate name XXXX XXXX XXXX - Missing balance, payment information and account status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - Not my account XXXX XXXX - XXXX - Missing balance, payment information and account status for XXXX - XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missing balance and payment history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account was closed and included in my 2009 bankruptcy. Show a XXXX balance and paid as agreed but still showing open with Transunion. I need this account to be fixed as closed. This is hurting my ratio of expensive with an extra balance who is incorrect.

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 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My wallet was stolen a week ago and I have made several attempts to have a fraud alert put on my credit without any success. Every attempt I made to gain access has been futile. I keep getting a message saying " my request can not be processed ''. Not being able to put a fraud alert on my credit is putting my credit worthiness at risk everyday that I 'm not able to access my credit report to apply the fraud alert.

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 2016-07-04
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
Barclaycard credit card company allowed a fraudulent charge to remain on my credit card account. I never received anything from the merchant XXXX Please refund my {$1000.00} on XXXX/XXXX/15 I 'm requesting resolution from Barclaycard 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 2022-06-09
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: Investigation took more than 30 days

Complaint:
I had made multiples complained to during the past 3 years to XXXX, XXXX and Equifax about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all 4 credit bureaus. Please get all the wrongful information deleted from my records. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a plumber? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track XXXX.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new capital investors to maked good, but only ater lost of service.. we bought ddition protection thru nh mall XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on exac same day to our XXXX XXXX a collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is another medical bill for {$20.00} that is wrongly on my report because I have full coverage and have paid all co- pays in office. There is no information on my Equifax report pertaining to the creditors or account information and it was removed from XXXX for these reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. City Park Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX XXXX not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recieved an alert from my credit monitoring service that 6 days ago, a collection company ( XXXX and transuinon had deleted an account from my report and then reinserted it the same day. I have waited the 5 days required by law to recieve a reinsertion letter and have not recieved this. It is illegal to reinsert a collection that had been removed without notifying the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation