BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
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:
In XX/XX/2023 I notified consumer credit reporting agency Chexsystems that there was a new negative item added improperly to my consumer Chexsystems report. This was negative item added by XXXXXXXX XXXX  on XX/XX/2023. I sent a letter in writing mailed to Chexsystems in which I disputed the new negative item as a result of unauthorized charges being done on my XXXX XXXX checking account including an identity theft victim assistance notice I was sent my XXXXXXXX XXXX and forwarded that document to Chexysystems in writing via US Postal Mail in XX/XX/2023. In XX/XX/2023, Chexsystems responded by stating they verified the item belonged to me and it would remain in my Chexsystems report for 5 years. I responded again explaining this item was placed as a result of identity theft and unauthorized charges and they should remove the negative item. I also asked for proof of their investigation.. whether that be proof these charges and negative item was authorized. I stated if they failed to provide signatures and documentation showing this was not identity theft they are required to delete the item from my consumer Chexsystems report. Chexysystems is continuing to violate my rights under the Fair Credit Reporting Act ( FCRA ) by not providing documentation or proof that shows this item is not identity theft. Chexsystems is also violating my rights under the FCRA by not sending me the proper proof that meets the guidelines in the FCRA to me in writing.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: NC
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:
I pulled my credit report and learned that my personal information was used to open account # XXXX at XXXX XXXX, XXXX. I am an identity theft victim and filed a report with identitytheft.gov, filed a police report, sent a letter to XXXXXXXX XXXX Fraud Department, as well as all 3 credit bureaus. I included the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA ( Refer to duties when ID Theft Occurs ) and according to the law 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] the CRA shall block the reporting of any information that resulted from an alleged identity theft and there should not be any damages on my credit reports according to 15 U.S.C. 1681.

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 2021-03-12
Company: BCO Consulting Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
BCO consulting services tried to say they could get me a federal public service loan program forgiveness. They wanted to charge me 5 monthly payments before even being approved of the loan forgiveness from the US Department of Education. The US Department of Education told me I was scammed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

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 2021-03-12
Company: Resurgent Capital Services L.P.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-02
Company: U.S. BANCORP
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit 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 2023-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a XXXX XXXX card with Bank of America using my maiden 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 non-monetary relief
Consumer complaint received 2023-04-04
Company: Marlette Funding, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have XXXX XXXX. I use their profile to monitor my scores etc. I tried to cancel a loan offer from their website & was told I could not. I was told I had to wait until the proceeds were deposited. I explained I wanted to cancel the loan. I wanted to close my checking account but my bank said not to. XXXX XXXX offers the worst predatory loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called to try to set up a payment arrangement to help pay off a debt on my credit report, I paid {$100.00} to start the payment arrangement. Was told I needed to pay full balance by the XXXX of XXXX otherwise they wouldnt delete it off my credit. Was harassed and they were trying to force me to pay the full amount. Saying if I dont they will not take it off my credit at all. Continued to Harass me and when I mention going to court they hung up on me. I didnt get a confirmation number for my {$100.00} payment all they gave me was their names, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I loaded {$64.00} on my Netspend prepaid Visa Card ( XXXX XXXX XXXX XXXX ) on XX/XX/2021. I checked the same day that the funds were on the card. I called Netspend today ( XX/XX/2021 ) the prompt told me that my card didn't exist even though I just loaded it. I was put on hold for 45 minutes, when someone picked up I told the Netspend representative what happened and she hung up on me. 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 2021-09-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XX/XX/XXXX CFPB Case # XXXX We received your response and over the last months have been working with the builder and our attorney to move our project along. Not having any financial leverage has put us in a bind and our project is still not completed. 
On XX/XX/XXXX TD Bank received a draw request from our builder. On XX/XX/XXXX I advised TD Bank that this draw would put us at 97 % complete and we were FAR from that. We spoke with the TD Bank rep and I sent current photos of the house. I was advised they would not release funds. On XX/XX/XXXX, after months of no progress we finally reached out to TD Bank for help and were advised that TD Bank had in fact released the funds. We are still not at 97 %, we still dont have a specific date as to when we can expect to be completed or when we will get a TCO or CO for our building. 
In your response to CFPB, you offered to protect your concern on our property with a title search and not charge us interest on the funds you released without our authorization. This is not sufficient. 
I have attached a detailed spreadsheet of expenses we have incurred and continue to incur due to your banks error. The amount, as of last month, is {$140000.00} which I have broken down for you to review further. On another tab, TD Bank paid our contractor for items that he did not do. Money he was not entitled to and would not return. This amount, {$36000.00}, already exceeds the amount of the final draw on our loan. 
We are currently seeking the {$140000.00} as a reasonable accommodation for your mistake. This mistake is the major reason we have been able to move this project along and move into our home. 
We understand that the CFPB may allow you another 30 or 60 Days to respond, but these additional delays continue to cost us money which you should also be responsible for. With that said, we would like a response and/or restitution in 2 weeks, or as of XX/XX/XXXX. 
Attachments : E-mail we sent to not release the funds, spreadsheet showing our incurred expenses since you released the funds without our authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis is reporting false inaccurate information to credit bureaus. My report indicates that I have a bankruptcy from 2019. I am requesting Lexis Nexis to validate this information and send me proof of the accurateness of my report. I also want to know who reported this bankruptcy to you. I have reached out to the courts and I was told they DO NOT report to credit bureaus or any other agency for that matter unless asked to do so. If it is not able to be validated it should be dropped as according to The Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please remove this inaccurate and unverifiable information from my credit file. And please verify this information with the furnisher to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently filed a report about my credit report having various name spelling multiple addresses and an account with XXXX XXXX that was paid in full. However on my report it shows that I owe XXXX  XXXX multiple name spellings and various addresses which are not mine, and hard inquries I am providing further proof with this receipt and I will list below and document section to prove I don't owe XXXX  XXXX. And this is also a reminder to remove all information that I requested in the first letter. I received the response and the response said that I was unable to speak for a non authorized account which both of the accounts actually belong to me with the incorrect account information. I will be calling Monday to speak with someone to correct an update the information again. This is causing me distress, I am trying to buy a car and the house and this inaccurate information it's causing me not to be able to meet criteria These are inaccurate addresses XXXX XXXX XXXX XXXX, oh XXXX XXXX XXXX XXXX XXXX ohio And same address listed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries I have never done business with them consumer mobile loans Interactive XXXX  XXXX  XXXX-XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  in all hard inquiries listed

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 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I am the person making this complaint & I give CFPB authority to investigate this claim. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-06-21
Company: LoanCare, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2023 trying to dispute late payment on my mortgage company loan care, try multiple times to disputet, but loan care wont except it, said it was accurate stating in the letter, they had the funding in reserve on hold for three months and then charge me a late fee, they never notified, I constantly call. also, I had a third-party XXXX infrastructure aid that was paying my mortgage payment for those three months, due to healthcare issues. They received it through mail to the US postal with tracking number, They received it through mail to the US postal with tracking number, but the payment is still late, also I paid a late 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 explanation
Consumer complaint received 2023-06-13
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of Rent Recovery Solutions letter informing me that they are handling the collection of the account # XXXX for {$1300.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Rent Recovery Solutions & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate Rent Recovery Solutions claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Rent Recovery Solutions continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have received this letter in reference to a credit card that has been closed by the company Barclays - closed by them in XXXX XXXX the account was paid in full, on time, with no disputes. closed by them for inactivity - which is accurate being i did not use the card once i had paid it off. 

i have called them twice, which both times they have insisted that the account is closed and that no further action is necessary on my part and they i will not recieve any further information. clearly they are still requesting information, and i believe they are preying on innocent consumers the letter insists that i send them sensitive and personal documentation that i believe to be both invasive and illegal especially considering none of this information was necessary for the opening of the original account nor was it ever requested while the account was opened. 

i believe it to be illegal for a credit card company to request the information they are requesting for anyone whether that be an active account or inactive and thus they should be stopped as sensitive information could easily be lost in the mail or could be compromised in any fashion leading to identity theft. additionally when i called the company ( twice ) they insisted that this was their policy for all accounts despite the clear security flaws and potential issues.

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 2021-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question

Company response to consumer: Closed with explanation