BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Bank of America says I was 30 days late in  XXXX  2017. Please see attached payment history ( specific to account ending in   XXXX   ) from  XXXX  2017 to present showing on-time monthly payments.

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 2017-07-18
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: Account information incorrect

Complaint:
XXXX   XXXX   XXXX   says I was 30 days late in   XXXX   2017. Please see attached payment history ( specific to account ending in  XXXX  ) from  XXXX  2017 to present showing on-time monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19 i noticed a new collection account on my credit reports from XXXX. They are not bonded in the state of Texas and therefore can not collect a debt on behalf of XXXX XXXX XXXX XXXX amount {$2000.00}.

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 2020-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got a letter from Chase bank on XX/XX/XXXX, but I was not sure if the letter was legitimate. The letter asked for private information, including my social security number. The letter also provided a phone number, which I chose not to blindly trust. Therefore, I called Chase card services to verify the authenticity of the letter. After all, I only have credit card accounts with Chase. When I called card services, they had no idea about any letter sent to me. Therefore, I told them that the letter is probably fraud and I chose not to act on the letter. On XX/XX/XXXX, Chase sent me a letter telling me that they closed my accounts and my credit cards because I did not act on the letter. I am unable to use my Chase credit cards. I called Chase credit card services and they can only see that my account was closed. They can not see that I got a letter from Chase bank.

How can Chase bank and Chase credit card services be so disconnected? It's dangerous to expect  consumers to trust a phone number in a letter because a fraudster can easily sent a letter with a fraudulent phone number, where the phone number connects the unwitting consumer with the fraudster. I have been sent fraudulent letters asking for personal information for verification purposes before ( I believe it was a fraudster pretending to be XXXX XXXX XXXX ). It is dangerous to set an expectation for the consumer to trust a phone number listed on a letter. Chase card services should know when Chase bank sends a letter threatening to close the credit card account if social security forms are not submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
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: Account status incorrect

Complaint:
It is important to note, my loan officer company is   XXXX   XXXX   XXXX     XXXX   is a different firm managing my loan payments.
I have received in mid  XX/XX/XXXX  attached statement "   XXXX   '' from loan officer su.
In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is  XXXX .
In addition, in that statement, you can see actual payment on  XXXX  as accounted for and it clearly stated that i overpayed the year of  XX/XX/XXXX and it included a check of  XXXX  $ made to me to pay for the surplus i paid.
I was preparing to make my   XXXX   payment as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until  XXXX  letter attached which was received in  XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to  XXXX  late  XXXX  to pay for   XXXX   and realized the issue and paid for both   XXXX   and  XXXX .
that day spent hours on  XXXX  interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   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 explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: GU
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In accordance with FCRA & 650B paragraph ( a ), Equifax , XXXX, and XXXX, are required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Equifax , XXXX, and XXXX delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that XXXX, Equifax , and XXXX remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a form for auto payments during the first months of my auto loan. I sent the first payment because it states to make payments until the auto pay begins I thought my auto payments because on their Bank of America it did n't show a payment was due.     I was never notified that I had missed a payment.     They state that they tried to contact me but I have no voicemails or email notifications that told me my payment had not been made.     I believe this is unfair because on their website they have payment alerts that tell me when a payment is due. Apparently it only shows when credit card payments are due not auto loans. No where does it state that. I was under the impression that if a payment was due it would show an alert. it did n't.     They told me that have time stamps of me logging in before the 30 day late payment.     I have and had enough money in my account to have covered that payment.

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 monetary relief
Consumer complaint received 2022-01-04
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has a collection reporting to my credit and I have never had an account with them, Ive only ever lived with my parents, where I dont pay bills. I have had no other address other than XXXX XXXX XXXX XXXX. This account has had to been opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been unable to pull my Equifax file either from commercial sites or XXXX 
I have also been denied credit due to the inability to pull my Equifax file to my detriment. 
I can not dispute my file online with Equifax because they have incorrect information on me and I can not begin until they correct it which they have not. 
I have spent many hours on the phone with Equifax , and have mailed the requested identity verification documents to Equifax without success. 
Please check carefully there is NO SPLIT FILE, and my date of birth and address is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2017-07-18
Company: Experian Information Solutions Inc.
State: MS
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:
I have sent Experian several disputes letter trying to dispute items off my credit report. It seems that they are finding items that should remain on my credit report. I have sent them letter saying that these are not my account. I have had no contract with these companies. All the credit cared that 's on my credit report was done online. Somebody open up credit cards in my name online.  XXXX  and  XXXX  has deleted these items off my report after finding out that it was not mines. Experian is so hard to understand that these items are not mines. I have received letters from the company saying that it is a fraud and i sent them out to Experian and they still have it on my credit.i have others items on my report that is fraudulent.

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 2015-08-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I DISPUTED SOME THINGS ON ALL OF MY REPORTS AND THEY CONTINUE TO KEEP THE WRONG INFORMATION ON THERE WITHOUT ANY EVIDENCE. IT HAS BEEN WELL OVER 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a student loan that says it is over 130 days late with equifax and they refuse to erase it saying it is my loan, the only thing is, I do not currently have any loans open under my name, which I confirmed with the student loan government department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: MD
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:
I received notification on   XXXX    XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on  XXXX   XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.

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 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I received notification on  XXXX    XXXX   2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on   XXXX    XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.

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 2022-01-04
Company: Santander Consumer USA Holdings Inc.
State: AR
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:
They claim I was not making payments it 6 days after car was bought it was involved in wreck and was other parts fault now we settled in court and the van was paid in full as you will see it was a lump sum once court settlement came thru and it keeps destroying my credit please all Im asking is then change it to no missed payments due to other party not wanting to settle at first now I can provide court documents when I went and if this is not handled I will find a tax lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: National Credit Adjusters, LLC
State: MD
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 have requested proof of validation on several occasions from the collections company NCA ( National Credit Adjusters ) and also from   XXXX   and  XXXX  once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and  XXXX .  XXXX  and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with  XXXX  cred it bureaus three     separate times and they have yet to send me any proof of the investigation with this company as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
There are  XXXX  liens on my   XXXX   credit report that do not belong to me. I have asked for verification from  XXXX  and they failed to do so. I contacted the courts they do not report t o 3rd party ag encies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately.  XXXX  is not the method of verification. I called the courts and they did not give no  one  information. Remove immediately! I will start legal action if needed.

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 2015-07-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
my actual name on my name nys id is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX like equifax, XXXX and XXXX has it and i told them more than once to change it and they havent yet i even send them mail and fax with a copy of my XXXX id and my bills with no luck can you guys please help me thanks for your help and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with 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 AN ACCOUNT REMOVED FROM MY REPORT DUE TO IDENTITY THIEF. I SENT ALL THE DOCUMENTATION NEEDED AND THE ACCOUNT WAS REMOVED. NOW THEY HAVE PUT IT BACK ON MY REPORT WHEN THEY KNOW I AM A VICTIM OF IDENTITY THIEFT.

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 2016-09-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have worked feverishly with XXXX XXXX Bank to get this account back to positive status. After getting this account out of the negative status. I called the credit bureaus requesting the process for updating accounts. I was told they update accounts as soon as the creditor reports the change. I was told by the credit bureau that I would need to contact the creditor. I called the creditor twice receiving the same information. The creditor advised my account information was updated on XXXX/XXXX/2016 with all XXXX credit bureaus. However, only XXXX and XXXX have updated this account. Equifax continues to state they are waiting for a update from the creditor. As a consumer I feel that this is unfair. As a matter of fact, my credit report reflects no updates since XXXX/XXXX/2016. When there have been various changes to my report. I am asking for assistance with correct reporting to consumer reports. If this was something negative they would not hesitate to report the negative information!!

Company response to consumer: Closed with explanation