BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently settled the amount that Bank of America accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XX/XX/XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XX/XX/XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XX/XX/XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XX/XX/XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.

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 2022-01-21
Company: Experian Information Solutions Inc.
State: SC
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-03
Company: EQUIFAX, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-03
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however XXXX and Equifax will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I been going back in forth with Bank of America to get my money back from a claim I filed with them they have been giving me the run around saying that my claim was approved then when I called them they are telling me something different. I been dealing with this situation since XXXX I was ask to give all required documents such I.D, police report and proving documents to get my money back I do that then I be told it is denied. I also have been told they have video footage of someone walking up to the ATM to take money off my card that is not me. I just want what I put in a claim for so I can pay my bills. So in XXXX I filed a police report stating that I was a victim of identity theft and my XXXX card was sent to different addresses as well as I didnt receive my stimulus checks. I talk to XXXX didnt know I was approved for XXXX because different representative would tell me I was denied getting unemployment until I sat on the phone for two hours in them telling me I was approved in that my card was sent to a different address. So I wasnt able to file a claim until XXXX of this year is because thats when I fought out. So I told Bank of America what happen in they tell me I was denied the claim because I waited to long to dispute the charges made on the account. Which is false I didnt know I was approved for XXXX because I was being told I was denied for it by different representatives. I feel the people that work for Bank of America are new workers because everyday that I called I get told different things regarding my claim which is not right and people are not really doing their job. Im in the process of being evicted out of my house because of Bank of America not giving me back the money that I put in a dispute for. I just want my money so I can pay my bills and rent in get out of debit. Bank of America has been denying my claim of XXXX I requested for supporting documents to be sent to me which was sent to me I received the documents in it was pictures of two people that was not me so basically they have been denying my claim based of the pictures that they pull up at a atm machine. I resend a picture of my I.d in color to show it wasnt me on the photos in they denied my claim again. I just want the money that is owed to me because Im facing a hardship right now. I can provide the pictures in my I.d as well to support my claim with your 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 explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX dated XX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: AZ
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:
Subject : Fair Credit Reporting Act, Section 609 Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Original Creditor : XXXX XXXX ), account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Name : XXXX XXXX Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies of my Social Security card, and a residential bill. I have also included a copy of my credit report with the account I am requesting to have verified, circled and highlighted. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, 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 2017-04-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am still having issues with Equifax updating my credit report. They are still showing a student loan which is no longer open. I Feel that Equifax is also artificially holding down my credit to force me to pay higher interest rates. Since I have received an updated credit report XX/XX/2017. I am seeking an attorney for a law suite as well as forwarding this and my credit report to both U.S General Attorney and General Attorney of Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
This is my 3RD Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00}

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 2022-05-03
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
A complaint not being only submitted to this request under the TILA AND RESPA AND QUALIFIED WRITTEN REQUEST FOR ALL INFORMATION REGARDING THE ACCOUNT AND ALL FEES AND PAYMENTS MADE AS TO THE TRANSFER DATE OF THE LOAN FROM XXXX XXXX  XXXX XXXXXXXX XXXX  TO THE CURRENT XXXXXXXX XXXX XXXX SPECIALIZED LOAN SERVICING. THUS THE AMOUNT PAID AND ALL FEES CHARGED WITH ALL REASONS AS TO THE CHARGES AND FURTHER THE DEBT WHICH WAS DISCHARGED AMOUNT AS ON THE LETTER RECEIVED RECENLTY AS TO THE PAYMENT AND STATEMENT THAT WAS NOT TO BE SENT AND NOT KNOWN THE DEBT FOR THE BANKRUPTCY FILES WERE NOR PROVIDED WITHIN THE REASON FOR NOT ALLOWING ANY STATEMENTS BUT ONLY WILL BE AS A REQUEST. THUS AS A REQUEST I AM ASKING FOR THE DOCUMENT THAT PROVIDES THE DISCHARGED DEBT AS TO THE MORTGAGE OF THE SUBJECT PROPERTY AND THE EXACT AMOUNT AND DATE OF THE DISCHARGE IN THE FILES WITH BOTH XXXXXXXX XXXX XXXX XXXX  LOAN

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 2019-08-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
fraud charge happened 6 weeks ago. still shows pending. now the utilization is showing up on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe {$83.00} and they want {$830.00}. Ive got my sons items on my report including his previous addresses and I dispute everything except child support as false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: LEXISNEXIS
State: AZ
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am working with XXXX and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from Wells Fargo in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from Wells Fargo to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.

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 2017-04-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested for Equifax to remove about XXXX Hard Credit Inquiries of my report, which were not made by me, i have not received a response from Equifax, nor were the inquiries removed. I also have XXXX different XXXX accounts showing on my credit report, i have never had XXXX different accounts with them and they impact my credit in a negative way

Company response to consumer: Closed with explanation