BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: CBC Companies, Inc.
State: OH
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 was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XXXX, XXXX, XXXX XXXX/XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX my income was affected due to the COVID-19Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Experian Information Solutions 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 have sent several letters to the reporting agency. It has been more that 45 days since they received my letter yet I have not received a response nor have they corrected the errors involved

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 2021-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Late in XXXX I called the toll free number on the back of my Bank of America XXXX XXXX XXXX XXXX  debit card to check my balance. I found out that over 16000 dollars was missing. I was transferred to the fraud department to go over the charges over the last few weeks. The charges where for everything frames cell p h ones to airline tickets and where posted in XXXX and XXXX. My charges are at local atms and grocery stores. The representative agreed that the where obvious fraud. I filed a claim. A few days later when I called to check on the claim and was told it was denied. I asked why and was told .y my pin number was used.. I told them that was impossible since the card has been on my person and I had never lent it out and never gave out my pin number. I reopened the claim. A few days later I called and was again told it was denied. I was told to reopen the claim and file a police report which I did and also an fbi and occ report. I faxed everything to BofA. And was denied again. I don't know what to do. I am broke.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: OR
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 is a closed account and I would like it taken off my credit report and they will not let me. XXXX has removed it why will experian not?

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 2017-04-24
Company: EQUIFAX, INC.
State: WA
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:
In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both Equifax and  XXXX . I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education, a nd NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX has 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 a 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 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XXXX submitting complaint without any influence from any third party or agency. Please see attached documents. I applied for several Credit cards with American Express both business and personal was denied all times. Credit report was pulled several times without benefits. My consumer rights were violated address all issue within 10 days of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: MD
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 have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is the account XXXX XXXX XXXX XXXX which is reported 9 times on my credit report which is absolutely ridiculous

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 2019-12-13
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 information incorrect

Complaint:
I did voluntary surrender on the vehicle and was advised that the car would be sold and I would owe the balance due after the sale. XXXX XXXX reported the full amount was due even though they have the vehicle and auctioning it off. I have not received any updates on the sale price they received from the auction. yet the entire balance was placed on my credit. The car should have been reported as charge off after the sale and any monies they received. I have included documentation sent to the corporate office as well the XXXX  showing the balance was XXXX XXXX-but reported for a higher amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from IC systems threating to damage my credit if I do not pay an alleged debt owed. I do not nor did I ever have any contractual obligations with IC systems regarding any services rendered nor did they ever extend to me any loans. IC systems is in violation of the FDCPA under 15 usc 1692 * communicating with me without my approval or consent * threatened to advertise debt to coerce payment *harassment, abuse and damage to my reputation IC systems claimed to be collecting for XXXX XXXX XXXX which is also a violation because I did not authorize XXXX  to give my personal information to any third party debt collection agency because I am the original creditor. Both XXXX and IC systems are in violation of the FDCPA. 
I have attached a copy of the letter with the violations and threats made to me.

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 2022-04-28
Company: EQUIFAX, 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 am trying to temporarily remove a freeze I have on my credit report through Equifax. Unfortunately, an important line of credit I am trying to open will be using the report made by Equifax, and their service has repeatedly been down and I am unable to use my credit. I have been able to unfreeze from the other XXXX major credit bureaus but this one has repeatedly been unhelpful and takes my credit hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and Transunion. I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education,  and NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: LDF Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I notified my XXXX Bank Account when I noticed that a ACH Credit was depoisted in the amount of {$600.00} from a XXXX XXXX XXXX PPD ID : XXXX on XXXX XXXX, 2022. 
I informed XXXX Bank that I did not apply or approve any such loan. 
I requested that XXXX bank return this money to this company. 
XXXX Bank did by doing a Reversal : XXXX XXXX XXXX XXXX debt in amount of {$600.00} on XX/XX/2022. 
I then also contacted National Small Loan to inform them of this action and their fraudulent act and that I'd reported it to my Bank. I did this notification via telephone and by email. 
National Small Loan stated they would forward this concern and resolve matter to appropriate internal dept. 
To this date, I am still receiving harrassing and threatening phone calls/emails as though they never received any monies. 
After I also reported to XXXX who sent me this company 's reply which was to pay them {$600.00} and they would resolve the debt, give them authorization to withdraw from my account to retrieve this {$600.00}. 
They already received this {$600.00} that I never requested, I am certainly not giving them anymore money! 
I've also googled them and found similar if not worse complaints from others -- they are scamming/fraudulent company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: GOLDMAN SACHS BANK USA
State: TX
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:
Goldman Sachs credit card ( with XXXX XXXX  ) reported misinformation on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization. They indicated I had late payments on XXXX and XX/XX/2017, and this is not true. Under the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports, I am requesting this be removed from the 3 credit agencies under this legal precedent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One reported misinformation on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization. They indicated I had late payments on XXXX and XX/XX/2017, and this is not true. Under the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports under the Fair Credit Reporting Act. I am requesting this be removed from the 3 credit agencies under this legal precedent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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 have called company that initially had their name by it they have zero record for f this. That call was taped. Called Equafax they refuse to remove this from my report it is a hard pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CORELOGIC 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: Information belongs to someone else

Complaint:
I want to report that in a trip back some years ago my document where loss, I didn't report the incident at the moment because I didn't know about the severity of this event, sometime after I realize that my identity was been use by someone who had opened account in my name, that's why I'd like to note this to try to correct this in my credit record. Please help.

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 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hello my name is XXXX XXXX and there are multiple inquiries from the same company By the name of XXXX which is inaccurate and fraudulent I will state them below XXXX  XX/XX/2018 XXXX  XX/XX/2018 XXXX  XX/XX/2018

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 2019-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i purchased patio doors From XXXX XXXX. They Were Installed By XXXX XXXX. They Had To meet building Code Requirements For XXXX Florida. On Two Separate Inspections they DID-NOT. ( I Paid for these Back In XX/XX/2019. ) My Payment Was Paid To Bank Of America For the Install.They Took My {$6500.00} For The Improperly Installed Doors. I Disputed The Payment Because They Failed Properly Installed For The Building Requirements For XXXX Florida. As Of today XX/XX/2019 They Are Not Installed Properly. They Don't Pass Code. I told the Bank, Bank Of America I wanted a dispute about {$5500.00} Payment. 
I was given One. and then Notified i Had to Pay the Balance Of {$6500.00} For The doors. I told the Bank I will not pay The {$6500.00} Until XXXX XXXX   Brings The doors Up to Code For My Location. I Believe I'm Protected From Further Payment Of these Doors Until XXXX XXXX Makes good on the Proper Install and Meeting Code For XXXX Florida. I Supplied The Bank All The Necessary Papers They asked Me For to Dispute The Charge Of {$6500.00}. ( Even The Dates Of The Building Inspection By The XXXX Building Dept ) They Are Asking Me ( Bank Of America ) To Pay For Doors That Were Installed By XXXX XXXX that DO-NOT Meet Building Codes For safe Installation For My Location. I Told The Bank, When They Are Installed Properly And Meet The Code Requirements For Florida, I Will Pay The Balance In Full. 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 2022-04-28
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: FACTUAL DATA CORP.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX  is reporting the folling cases XXXX  under a XXXX XXXX case XXXX under a XXXX XXXX   and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX.. I have had only 2 names my whole life. I spoke to XXXX  at XXXX XXXX his # is XXXX ext XXXX  he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Commonwealth Financial Systems, 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: Information belongs to someone else

Complaint:
this is like the 15 th time i have had to make a report about this credit reporting agencies, XXXX, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX XXXX FROM COMMONWEALTH FINANXXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX XXXX 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU

Company response to consumer: Closed with explanation