BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Followed the instructions on annualcreditreport.com to secure my credit report from the three credit bureaus. 

XXXX and XXXX worked fine. 

Equifax have me a generic error : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' It then requests an onerous amount of personal information to be mailed in. 

It looks like they are obstructing the goal of an easy way to monitor your credit, for free, annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Disputed public judgement on credit report. Confirmed with attorney that judgement was against a property ( " in rem '' ), not myself personally. Boilerplate response from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a small business owner. I was using XXXX as my credit card processor. Late last year I decided to use a different credit card processor because their fees were too high. After I cancelled their service XXXX withdrew {$570.00} on XX/XX/XXXX and {$490.00} on XX/XX/XXXX from my business checking account at Bank of America by ACH. The reason for these withdrawals were never explained to me and I believe they are fraudulent. I tried to contact XXXX by phone and email many times but they did not answer any of my calls or emails. They never responded back to my inquiry about these withdrawals. I contacted Bank of America about these withdrawals sometime in mid XX/XX/XXXX. They told me they would open an investigation and will contact XXXX. Several weeks passed by during which I called Bank of America several times to find out if there was any progress in the investigation. Every time I called Bank of America told me that they are waiting to hear back from XXXX and that XXXX has not replied to their inquiry. In XX/XX/XXXX when I called Bank of America what the status of the investigation was, I was told the investigation has been closed with no action taken since they never heard back from XXXX. I believe XXXX fraudulently withdrew {$1000.00} from my bank account illegally and Bank of America failed to rectify the complaint I filed with Bank of America in regards to 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 2017-02-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian credit reporting services is showing an address on my credit report of : XXXX XXXX XXXX, FL XXXX that is not mine. 
I have a credit Freeze on my account and this address was added after Freeze was in place without any verification or consent from me. Experian is very difficult to contact online and the phone number they provided does not answer or resolve any attempt to contact them. 
Please help correcting the issue with this company.

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 2021-04-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have reached out to XXXX, Experian and XXXX  in written email and verbal communication without any success. I have been a victim of identity theft in which all three credit reporting bureaus have a copy of the police report. XXXX XXXX XXXX XXXX  is listing an account that isn't mine! I have reached out to all three credit reporting bureaus for over 12 months and the disposition is that where've in the midst of a COVID-19 pandemic and its taking longer. I understand but the law states 30 days sand its ben 1 year if not longer. 

I've reached out to the merchant XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX without any success. 

I've reached out to all three bureaus on XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I deposited a check for {$510000.00} into my checking account at CHASE. The check was from the settlement of the sale of my house. On XX/XX/2021, I went online to Chase.com to my account. The deposit was there and it stated that it was available. I then transferred ( by XXXX ) {$520000.00} to XXXX XXXX. XXXX said I could now buy investments to my account. The next day, Chase put a hold on the cash. This was after they said, ( online ) that the cash was available and they did transfer it to XXXX. My Chase account shows a deficit of about {$500000.00}. I tried all day including visiting a local branch for assistance. Their phone service is intolerable with referrals to other phone numbers. My complaint is that if their computer made the funds available, they should honor this action and provide access to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHOENIX FINANCIAL SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Keeps flagging a collection into my credit file that has be resolved and deleted after investigation of credit bureau. 
This was previously removed before since months ago .Today XX/XX/21 it has appeared back in my credit file again!!! 
I'm REALLY UPSET Please, this company fraudulent activities needs to STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: D. SCOTT CARRUTHERS
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am currently going through a security clearance with the XXXX. I had a debt with XXXX XXXX ( original lender ) that has been transferred to Mountain Lion Acquisitions. I called them on XX/XX/XXXX at 1108hrs. I spoke with XXXX and my financial counselor attended this telephonic appointment. When we asked to be placed on payment arrangements, XXXX disclosed that my balance was {$17000.00}. This loan was taken out in XXXX of XXXX. I made 3 payments of {$360.00} for a total of {$1000.00}. After that time, I was unable to continue payments. My current credit reports list this debt as having a balance between {$2600.00} and {$4100.00}. I asked why the balance was so high and he explained that the interest rate was 186 %. He said he could stop interest from accruing starting today and that he could possibly reduce my amount owed but refused to lower it to the amount listed on reports of {$4100.00}. I asked for a settlement of {$4100.00} with payments of {$200.00} per month auto debit until the balance was paid in full. He could not do this and it was at this time I requested he validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
my identity was stolen, i filed a police report, and noted this to all XXXX credit bureaus.Experian is refusing to honor the police report, and has refused to adjust my credit file, and remove negative information, not associated with me. i can document police report, and my notarized affidavit to them. they are the only bureau who has not removed this information.

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 2021-04-15
Company: EQUIFAX, INC.
State: MI
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 some questionable things on my credit report so I reached out to the appropriate channels to get them rectified. Noticed an incorrect Bankruptcy on my credit file, I contacted the Data Furnisher which was XXXX XXXX. Upon their investigation they determined the Bankruptcy on my credit file was inaccurate and they deleted it from my file. I reached out to the 3 credit bureaus to inform them that their " Source '' XXXX XXXX whom they claim is the data furnisher, has deleted the information they need to follow suite . Only XXXX did the right thing and deleted it. XXXX and Equifax sent back a letter stated that the Bankruptcy was VERIFIED though XXXX XXXX despite the account being deleted for inaccurate information. 

This proves that those two bureaus did NOT do an investigation, they automatically deemed it verified. If they would have did a legal investigation then they could not have possible verified this bankruptcy because it's no longer there on my consumer report where they claim to be getting the incorrect information from in the first place. Please help me get this removed as they should have done according to the FCRA. This is hindering my ability to borrow, I need a mortgage and am being hymned up by incorrect information that shouldn't even be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Originally : XXXX XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian Reporting Agency is reporting my XXXX XXXX Credit Card at a negative status. This account is paid as agreed and never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX , FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
FCRA violations remove it not mine : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting a debt i do not owe them. i have asked for proof of validity of debt which they continue to report. they dont accept payment and wont remove credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Several years ago my report had me with a XXXX address. I have never set foot in the state. I sent a dispute. They denied it saying I would have to prove I have never lived there. I could n't think of a way to do that. No when the ask security questions to get my reports or dispute because I do n't know the answers I am shut out of my own reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A few months ago I had a problem with XXXX XXXX XXXX XXXX reporting me delinquent. As a result my credit score went down. After I went through months and months of disputing XXXX XXXX XXXX XXXX removed the delinquency and the Credit Bureaus never re scored my credit it continue to stay low. Nothing had changed. Later I was hit with a XXXX 90 day by XXXX XXXX XXXX which was not accurate because I had paid insurance on the credit card that would pay for up to XXXX payments a year. XXXX XXXX XXXX severs ties with the insurance company and this year the insurance company makes a payment on my credit card and XXXX XXXX XXXX reports me for a missed payment when there was a payment made. I have reached out to each of the credit bureaus ever try to help rectify this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit card was reported 31 Days late to my credit bureaus but I was offered an payment deferment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Information belongs to someone else

Complaint:
Please verify the following accounts, I need this to be investigated and fixed immediately. 

This is a duplicate account PORTFOLIO Account Number : XXXX PORTFOLIO Account Number : XXXX PORTFOLIO Account Number : XXXX The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
My credit score has always been low even though I established it at XXXX. I have been responsible and I am not sure why it has been low. And seem I can not improve it no matter what I do. I feel a little discriminated against. 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 2016-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX was reporting over 10-year old bankruptcy information on all credit bureau reporting agencies. XXXX sent out an update to delete this information as well as instruction to delete a statement saying " after FRCA investigation consumer disputes ''. All credit bureaus ( XXXX ) received the automatic update ( AUD ) as XXXX XXXX informed me via one of many telephone conversations. However, Experian refuses to change my report to reflect XXXX explicit instructions to do so. I know this because after talking with Experian customer service 3 times, it was confirmed each time this same information remains and I was told Experian had received an update from XXXX XXXX, 2016 like the others had. They are violating my rights to have my credit report updated to expunge illegally reporting outdated information, as was so stated in XXXX letter dated XXXX XXXX, 2016 that was XXXX to me by XXXX XXXX, executive consumer reporting specialist. I have been turned down for loan because of this negligent reporting.

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