BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: Skopos Financial, LLC
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 status incorrect

Complaint:
Upon reviewing several of my credit monitoring services I was informed on XX/XX/XXXX that Skopos Financial has reported my auto loan as a " bad debt/uncollectable debt '' and proceeded to list the account as a " charge off '' on my credit report. With this my score has dropped significantly preventing me from being eligible for a home loan. The account with Skopos account # XXXX was paid in full by my auto insurance company XXXX also known as XXXX XXXX with claim number XXXX. I reached out to XXXX at Skopos on her direct line of XXXX a total of 11 times between XX/XX/XXXX and XX/XX/XXXX to confirm that the account was paid in full in which she did confirm that is was received by XXXX and showing no balance as of XX/XX/XXXX. Within those 11 calls she informed me several times that if the account was paid in full there would be no charge off. On today, XX/XX/XXXX I called Skopos a total of 5 times to try and resolve the issue. 3 out of the 5 calls I was cold transferred. 1 out of the 5 I was given a XXXX number that was not reachable and on the 5th call I was escalated to a manager who could not assist. All five years I have had this company my credit report shows all on time payments. Please resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: LEXISNEXIS
State: MD
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:
Emails sent XX/XX/XXXX from me and XX/XX/XXXX from XXXX XXXX ( see below ) to Lexus Nexus, as well as attempting to submit dispute via Lexus Nexus ' website to no avail. XX/XX/XXXX received letter from Lexus Nexus, case # XXXX, stating " no disputes found ''. Email sent from XXXX  : ( Loss dispute request Inbox XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to XXXX, me Dear LexisNexis Consumer Center : We would like to dispute information on the XXXX XXXX ( Auto or Personal Property ) Report. 

Here is the claim number and insurance company associated with the loss I wish to dispute ( or explain ) : Claim # XXXX XXXX XXXX XXXX This accident dated XX/XX/XXXX should be listed as an at fault loss, but XXXX XXXX was not the driver. XXXX XXXX is the vehicle owner/policyholder. XXXX XXXX was the at fault driver. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 twice for credit bureaus to provide validation of debt, amounts and to include copy of original signed contract and to date no verification was received for services discrepancies with no verification received. 2 attempts made to TransUnion XXXX XXXX XXXXXXXX XXXX PA XXXX the 1st letter sent on XX/XX/XXXX certified tracking XXXX XXXX XXXX XXXX XXXX and 2nd attempt made XX/XX/XXXX certified tracking XXXX XXXX XXXX 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 2023-01-21
Company: Experian Information Solutions Inc.
State: NY
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:
This complaint is about Experian credit bureau. 

complaint # 1 Experian are reporting several different address and employers on my credit report. I wrote them many times over several weeks, with a copy of my current licenses, social security card and information with my current employer. Their responded by saying that they verified the address and employment with the furnisher. According to the FCRA they are required to let me know who the furnisher of the information is. They refused to give me that information. I only have one address and one employer. 

Complaint # 2 In my account summary, Experian are reporting an incorrect real estate balance and an incorrect revolving credit. 
Again, I wrote to them many times over several weeks and nothing has been done. What they are reporting is not my current real estate balance and current revolving credit balance.

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 2023-05-15
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: Public record information inaccurate

Complaint:
I have filed numerous disputes with Transunion Credit Reporting Agency since XX/XX/2022 to remove this Bankruptcy # XXXX off my credit report it does not belong to me it is not in my name and it has been removed off of XXXX and XXXX. They are violating my consumer rights under the Fair credit act code 15 USC 1692 ( a ).

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 2023-11-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed a negative item on my report that i did not authorize to report. On the account I have attached is 30 day late payments that are improperly reporting. I have tried to work this out with the credit bureas and have been unsuccesful. The account listed below is identified as aggravated identity theft per 18 U.S. Code 1028A. 18 U.S. Code 1028A U.S. Code ( a ) Offenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the XX/XX/XXXX, I had issues with my former insurance provider XXXX resulting in a missed payment for one month. I obtained new insurance the following month with XXXX XXXX. On XX/XX/XXXX, I was sent a letter from Bank of America indicating they would be force placing homeowners insurance due to a lack of coverage. I contacted Bank of America to inform them that I had obtained insurance and there was no need to force place it. The representative indicated they were notified of the insurance obtained but because I missed one month they would be charging it to me and force placing insurance for that month. This is not within the spirit of the regulation. The regulation requiring homeowners to retain homeowners insurance on their property is closely related to safety and soundness of the bank. This spirit of this regulation is to ensure homes do not have lapses in insurance that would result in a loss to the customer or Bank. It does not fit in the spectrum of having XXXX claims or losses and charging a customer for insurance 2 months later. Regardless, I said ok and understood that the force placement of insurance for a month would be charged to me. In XXXX of XXXX, I received the escrow analysis for my mortgage. I was unable to determine why it was increased so much. I contacted Bank of America and the associate said it was for the force placement of insurance. I filed a complaint to have the review the escrow analysis given I was only supposed to be charged for the XXXX month and they already knew I had insurance. I was told I should hear back within XXXX business days. I followed up twice for resolution and the second time ( weeks later in XX/XX/XXXX ) was told that although they knew my insurance was current they were still going force place the insurance ( also not consumer friendly or within the spirit of the regulations ). If they were going to still proceed to force place insurance that they need to make sure to inform XXXX because I had current auto deductions from my account that would need to be stopped. Best practices for financial institutions is to keep the same insurance and continue to pay the premium out of the escrow as to avoid gross costs to the customer by force placing insurance through an outside source. I advised I would not pay Bank of America AND XXXX for insurance. XX/XX/XXXX, my new payment took affect and my auto draft for the insurance continued cause my mortgage to fall behind of which it is currently still behind. I feel this is totally against the purpose of the regulation and is actually a case of disparaging impact as indicated in the XXXX regulation. I am asking that this issue be corrected as soon as possible. 

Thanks.

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 2023-01-15
Company: Fidelity National Information Services, Inc. (FNIS)
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 did not authorize chex systems to distribute my data to anyone. I have not given chex systems authorization to store my data or manage my data. 

I am disputing XXXX entries on my Chex systems report. 

I want to be provided every document that will support each entry and and complete itemization of every dolar you allege I owe and anyone that furnishes data to you I want a complete statement of every transaction to show what you are Reporting or we are going to federal court. 

You see on notice.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/2023.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: PA
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:
I sent letters to Experian, XXXX, and XXXX. The credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions : rules The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 


I would like to know who did they talk to? 

How did they complete this 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 explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Disclosed on my Consumer Report is a charged off account from XXXX Bank. Under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

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 2019-07-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I submitted a dispute for the XXXX account that is listed on my consumer credit report due to varying dates of last activities between all three credit bureaus in XXXX of 2019. The account also does not reflect that the account is being disputed by the consumer and the date of the last update is showing as XXXX, even though Experian claims to have just completed an investigation on this account. This proves that Experian did NOT perform an actual investigation into this account that is reporting highly inaccurate and incomplete information. This issue has been brought to Experian 's attention on more than one occasion.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I reached out to the credit reporting agency to dispute the inaccurate accounts, and unfair reporting of personal private information. These accounts are no showing in all 3 reporting agencies and or the amount due are different along with the time of the accounts. This unfair reporting is causing me and my children financial problems, I am unable to obtain a home due to these reports, and they are damaging to my character.

15 USC 1681 section 602 A States I have the right to privacy, it also states a consumer agency can not furnish a account without my written instructions 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate 15 USC 1681c ( a ) ( 5 ) section states ; No consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which end dates by more than 7 years These are the accounts that I am referring to ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
They gave me a hard time with the loan modification. They denied me twice.

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 2023-05-22
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I filed this report in order to update this suspicious information. Credit Bureau must authenticate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), or I will sue them. 

XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00}.

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 2021-11-06
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX ; I am filling this complaint against two companies below : XXXX XXXX  XXXX XXXX Balance : {$18000.00} Address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX Phone number : ( XXXX ) XXXX Reported : XX/XX/XXXX Discover Balance : {$14000.00} Address : XXXX XXXX XXXX XXXX, DE XXXX Phone Number : ( XXXX ) XXXX Reported : XX/XX/XXXX My reason for this complaint is to ask for these companies to remove their charge or reports off my credit. These two companies have been on my credit report for a charge that had nothing to do with me. I was shocked myself to see the charges on my report. These charges were as a result of credit fraud activity and have been harassing me with letters and phone calls for something I did not do. These companies have added much stress into my life and I have taking the precaution of securing my credit and identity. I have since added a fraud alert on my credit report per XXXX XXXX as of XX/XX/XXXX, to prevent anymore of this type of activity. I have filed the following : Dispute letters on XX/XX/XXXX Investigated Disrupts to bureau on XX/XX/XXXX Direct disputes and validation to Discover and XXXX XXXX on XX/XX/XXXX Round 2 of dispute letters on XX/XX/XXXX Furthermore, I noticed a Texas address on my file that I did not recognize nor ever lived at upon creating an account with XXXX, which shows and proves the fraudulent activity that I had no idea about. The false address was : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I recently applied for a new line of credit on XX/XX/XXXX, and got denied. This was my 4th denial with this company ( XXXX  XXXX XXXX ). I also got denied for limit increase with my current credit companies XXXX and XXXX. This is hindering me from additional line of credit to progress my life forward. I deserve to have the opportunity to obtain new line of credit and progress my life forward and these two companies are not allowing me to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I am suffering from XXXX XXXX XXXX and my mortgage company will not help me with any kind of assistance. I could pass away at any moment, but I need to have this taken care of as soon as possible. SPS does not care about my health issues and simply ignores my financial problems and they do not want to help us take care of my problem. I don't want to leave this hanging and my doctor says now I am only on a medication remedy, and nothing further can be done. Please I am complaining to my mortgage company to come up with a reasonable plan that I can afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX XXXX  counted in account went in to talk to someone n manager decided no one needed to explain XXXX threatened to call cops on us.Really bad experience, Atty wanted to take up case because They are known for calling cops on comsumers : I have been contacted for over 7 years over 5 times to settle this claim but always told someone will get back with me soon.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: GA
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 writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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