BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
You XXXX XXXX  have furnished inaccurate information to a Consumer reporting Agency/ChexSystems The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood.

15 USC 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies DUTY OF FURNISHERS TO PROVIDE ACCURATE INFORMATION PROHIBTION Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

DUTY : A moral or legal obligation ; a responsibility.

ACCURATE : Correct in all details, exact. 

PROHIBITION : A law or regulation forbidding something As Defined by the IRS. 

According to this law on XX/XX/2019 - XX/XX/2019 you furnished inaccurate information to a third party who had no part of this credit transaction ( 15 USC 1605 ).

Without permissible purpose.

In addition to this violation you have also violated my privacy right of consumer law ( 15 USC 6801,6802, and 6803 ).

15 U.S.C 1681s-2 ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if- The persons been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and The information is, in fact inaccurate. 

I XXXX XXXX opened up a business account with XXXX XXXX. You, XXXX XXXX, chose to open up a report with Chexsystems Report on an individual associated with the account, such as the LLCs authorized signer or the sole proprietor. Because the report is ordered on me the individual and the report meets the definition of a consumer report under the FCRA, the FCRA would apply. 

In conclusion I have shown that you have been put on notice and that you are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 U.S.C 1681s-2 of your responsibility as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this erroneous, inaccurate account from my consumer 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 explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Personal Information Update Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX, TX RE : Social Security Number XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Legal Name - XXXX XXXX XXXX. My Address - XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

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 2020-07-31
Company: JPMORGAN CHASE & CO.
State: IL
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 have two credit cards with Chase Bank ( JPCMB ) which were closed on XX/XX/XXXX. I contacted Chase and I was told because I have a derogatory account with them from XXXX, in addition, I was told because I add authorized users and at some point remove them. They transferred me to the collections department who couldn't find any account-based off the account number they gave me as the derogatory account. I explained to them that I have never had an account with Chase prior to XXXX and that I was a victim of Identity Theft a long time ago. I also have a police report that documents this. I have been calling them since XX/XX/XXXX only to get conflicting information about why they closed my two accounts that are in good standing. I was told a supervisor would call me which someone did but during their investigation, the call dropped and he never called back. I tried calling back only to get a different person from the fraud department who also was investigating and could not find anything that lined up with what I was previously told. Shortly into that call it also dropped due to the reps bad connection, and again she did not call me back. I am very upset at my accounts being closed after 6 years and the other two years. They wrongfully closed my accounts stating I have derogatory marks on my credit from an account that is delinquent with them that no one can seem to find. In addition, if there was a delinquent account on record why did they. and how could they approve me for a card without knowing this or seeing this in their records 6 years ago? Lastly nowhere in my cardmember agreement states that I can not remove the authorized users that I add. I feel that I am being targeted and discriminated against because of the authorized users so they are insinuating that I have derogatory accounts with them. I am asking for assistance with this matter to get my accounts reopened in the same reporting status they have been, and with the same history. I have never missed a payment on my accounts, I have never abused or misused my accounts, and I am on autopay to ensure my cards stay paid on time and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX  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 2022-07-12
Company: Experian Information Solutions 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:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX  XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDNELNET XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF ED/XXXX  XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2020-12-30
Company: WESTERN UNION COMPANY, THE
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2020 Western Union money transfer. 
XXXX was purchased, Western Union did not include last name on purchased amount from sender, receiver could not pick up money transfer. Approximately 15 times contact with WU has been made. XXXX XXXX grocery chain that offers WU was asked to make copies of ID of sender and receiver which was completely taken and delivered to WU. WU stated they would refund purchased amount, WU stated sender could pick up purchased amount with every time it was not done. Expedited action was to be taken again, nothing. Now they state ID is invalid, which is not true, ID was photographed and sent to WU. 24 hours ago again was promised refund, again not able to pick up. Today WU stated case is closed. This is a wire transfer company that refuses to refund our money. We have done all requirements to WU to acquire our money back. They are stealing our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.

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 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted a dispute with both XX/XX/XXXX and Transunion regarding a debt to the company XXXX XXXX for an account that was fraudulently opened using my credentials. I have never owned a XX/XX/XXXX account and did not accumulate this debt. They both responded that the information was verified valid however it is not, I have followed all procedures regarding identity theft and even filed a police report with my local authorities. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TX XXXX BALANCE {$1100.00} DATE OPENED XX/XX/2018 TRANSUNION FILE # XXXX I would like this removed from my credit profile as I did not authorize this and it was fraudulently opened under my name.

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 2023-01-23
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 2023-03-09
Company: LendingUSA
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: Account information incorrect

Complaint:
I have had a installment loan with Lending USA for over 42 months and have paid on time. I have never been late on this payment not XXXX single time and have the payment receipts online to show. They are now reporting that i am XXXX past due which is adversely affecting my credit and the inability to close on a mortgage at the moment for my family. They have refused to look into this error and i need this done immediately as the records will show the payments were made sufficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Self Financial 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 recently emailed the company regarding the late payments on my credit report and have yet to receive a status and or update of the results for the removal of the late payments being reported to my account. All payments on my account are current and up to date, and I would love to receive a resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2020-10-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Regulation B violation Wells Fargo Private Bank was doing a jumbo home loan for my main home wanted to buy for my family. I signed a PA on XX/XX/2020 for {$5.00} XXXX loan. I had large deposits with them and they said it should be no problem. 
Almost 45 days after I got started the process I have not heard back rom them and presumed they had everything they needed. They told me they still needed several documents. I asked why they never asked me for them and they lied and said they did. I told them you sent me no emails, no missed call or voice messages. 

Now my closing date is in a few days and I am going to lose over {$1.00} XXXX deposit and won't be able to get a home. 

They say or we are sorry we did what we could!! Several other banks I sent my information to this week said they could all do this loan no problem for 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 2023-12-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I spoke with a representative by the name of XXXX with Capital One regarding the interest charge on my account. Ive paid {$1800.00} the balance in full and Capital One received it on XX/XX/XXXX but didnt post it until XX/XX/XXXX which caused a higher interest charge. The automated system verified the date of payment received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am very upset with XXXX XXXXXXXX XXXX XXXX, referencing my Home Equity Line of Credit with them. They reported a 30-day late payment for the month of XXXX, which was done in error. I was not late during the month of XXXX or XXXX. Also, in the times that I was late, XXXX XXXX XXXX XXXX had locked my online account back in XXXX, due to a fraud claim was done by my business consultant in error, which was rectified. But my account was never late prior to then. Therefore there is a 30-day late payment currently reporting on my TransUnion credit file, which should not be there. I have uploaded proof of payments that I have made and the current status of my account as of now. Please remove 30-day late payment from my credit file immediately. Also, change current status from 30-60 days late status to current.

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 2020-12-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I'm assuming that you either didnt receive my letter on XXXX or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.

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