BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted a police report stating clearly that an account with XXXX  XXXX XXXX had been opened back in XXXX without my consent and is still showing on my Chex systems report. I submitted this police report to Chex systems and it is notated on the report by the police officer that this account was opened without my consent. Chex systems refused to remove the charged off checking/ savings account because the police report was filed too long after the incident. However, I have previously submitted a dispute to Chex systems in XXXX and they refused to remove it without a police report. They said that if I obtained this police report that it would result in removal. The account is clearly not mine according to the evidence gathered and booked by the police officer as stated In the police report. I need this account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had my credit pulled on XX/XX/XXXX in order to obtain a loan. The lender informed me that I had a collection on my credit report. I was unaware that I had a debt, let alone that it had been sent to collections.The credit report states that this was a medical bill from XXXX XXXX XXXX in the amount of {$430.00} from XX/XX/XXXX. I called XXXX within a few days of finding out about this collection to inquire about the debt, and was told that the bill was from an emergency room visit in XX/XX/XXXX. At that time, I was under the impression that I was covered by XXXX. XXXX informed me on our call, this XX/XX/XXXX, that I was not covered by XXXX at that time and that my insurance had lapst about 2 weeks prior. After getting off the phone with XXXX, I called the collections agency. The collections companys name is USCB America. In an attempt to resolve the matter I asked if I can pay the debt and have the collection removed from my credit. They refused, so I asked to speak with a manager. A manager was not available at the time, so one was supposed to call me back. I waited about a weeks time and never received a call from a manager, so I called again. This time I was able to speak with a manager and was told that even if I pay my debt in full, they will not remove the collection from my credit report. I called again a few days later hoping for a different result, but was told again that even if I pay the debt in full, they will not remove the collection from my credit report.I was unaware of this debt, and I am trying to resolve it, but this collection company seems to want to punish me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX has utilized an outside company to record this information. I have not authorized the mystery company to transmit my personal information without my approval. According to 15 USC 1681 section 602 states, I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : A consumer reporting agency can not furnish an account without written instructions. Here is the docket number XXXX this info I have not authorized a private company to possess and provide this information to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Debt included in or discharged through Bankruptcy XXXX XXXX  XXXX XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXXXXXX XXXX XXXX Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX  DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX, DELETE IT. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE IT. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Debt included in or discharged through Bankruptcy XXXX XXXX DELETE. Can you delete this ASAP and send me and update.

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 2022-10-31
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: Was not notified of investigation status or results

Complaint:
I viewed my credit report, and to my dismay. The original accounts were transferred, charged off/ sold, and I am no longer responsible for the account. Debtors ' creditors did not verify this collection. Also, there was no written form of communication, contract, or signature for this debt. A bill without a signature does not validate. According to the FCRA, XXXXXXXX XXXX has violated my rights as a consumer, and I'm requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I tried getting in contact with a supervisor and they refused to service me or have any contact as I requested a cease and desist in communication. 

Please refer to my Consumer Rights stated below that Im allowed too exercise because, I identify as a consumer 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I dont owe a debt of any company of such also this is a violation of : 15 U.S. Code 1692g - Validation of debts Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

Please show me the original contract and statement of my signature XXXX, XXXX without recourse with the right to rescind. 


Your company has 30 days to produce me the original contract with my legal signature. This is the tangible instrument your company fails to show and provide to at all with this document stating I will be sued if, I dont disclose personal information. This is considered identity theft for the falsifying information in an attempt to violate my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2022-11-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on 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 non-monetary relief
Consumer complaint received 2020-07-16
Company: Firstsource Business Process Services, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice a change in my credit report from a company trying to collect a debt that is not mines.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX XXXX I contracted with XXXX XXXX XXXX XXXX XXXX XXXX, for Legal Services and used my navy federal credit card to make payment. This charge ended being fraudulent as the merchant did not provide any services I paid for. I have tried to contract them for many months and they have ignored me. Navy federal closed my dispute without providing me the opportunity to provide more evidence of my attempts to receive a credit from the merchant -- however, this is fraud and Navy Federal states in their website they have a Zero Liability policy for fraud backed by Visa ( the issue of my card ), which is this case. I am attaching the latest communications with the merchants where it is clear they stopped responding to my and have lied about resolving this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
Company: TRANSWORLD SYSTEMS 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: Information belongs to someone else

Complaint:
On XX/XX/2020, TRANSWORLD SYSTEMS add a derogatory mark on my credit reports. TRANSWORLD SYSTEMS did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a cashiers check to my account at BoA on XX/XX/XXXX, it stated that my deposit would be ready the next day but when I made the deposit, I was told after that I would get it on XX/XX/XXXX. I have no money for XXXX. If BoA was honest about the hold I would have took my check to a check cashing place. Its not right for BoA to do that to its customers, now I cant feed my family or pay my rent. I spoke to multiple agents about this at BoA and they couldnt explain why it would take over a week to verify a cashiers check when the payee is 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 monetary relief
Consumer complaint received 2023-11-21
Company: Avant Holding Company, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Avant # XXXX has failed to show proof that this account is mines. I XXXX XXXX XXXX XXXX never authorized or opened a account with Avant. This is a Violation of 15 U.S. 1692 e false or misleading representations. Under 15 U.S. 1681b permissible of consumer reports I never disclosed to give Avant permission to report to the credit Bureaus for this account is damaging my credit worthiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX : XXXX, Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF ED/XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX  XXXX, Account name : XXXX has violated my rights.

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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: WELLS FARGO & COMPANY
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 Wells Fargo added a Bank adjustment in the amount of {$61.00} listed as other miscellaneous purchases and the modes were not available. My account has a XXXX  balance. I need to know why Wells Fargo put this amount {$61.00} see attached

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Section 623 of the Fair Credit Reporting Act requires that a company provide documentation or the account must be deleted. This account was deleted and reinserted and I wasn't notified by letter within 5 days. Please delete this account.

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 2023-05-03
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. Also, I want to dispute these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. Please correct these accounts.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to express my continued concern and frustration regarding the inaccurate items on my credit report. Despite my previous attempts to rectify this matter, the issues persist, and it is disheartening to find that my credit file has not been appropriately updated. 

Clearly outline the inaccurate items on your credit report, including the account names, dates, and any other relevant details. 

Briefly summarize your previous attempts to address the inaccuracies, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, whether it be a thorough investigation into the inaccuracies, a correction of your credit report, or any other appropriate action. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. I am asking for your assistance to remove the inaccurate items in my credit file immediately 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 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 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 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 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 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