BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: SC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX XXXX : {$2100.00} ; US DEPT ED XXXX Balance XXXX {$4200.00} ; US DEPT ED XXXX Balance : {$4400.00} ; US DEPT ED XXXX Balance : {$9300.00} ; US DEPT ED XXXX Balance : {$2100.00} XXXX US DEPT ED XXXX Balance : {$3700.00} ; US DEPT ED XXXX Balance : {$4100.00} ; US DEPT ED XXXX Balance : {$10000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-09-19
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:
Theres a few inaccurate accounts as well as personal info which need to be deleted 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
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
They refused to change all false addresses, phone numbers, names and employment from my reports on 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 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2022 the email states : This is a notification that you won't be able to use your online service until you confirm your information. We've taken this step to ensure the security of your account. 

Simply click " Confirm Now '' button and you'll be taken to a Bank Of America online validation page. 
PRIVACY STATEMENT | UPDATE YOUR EMAIL Confirm Now We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2022 Bank Of America is federally insured by XXXX. All rights reserved. 

XXXX I had a checking account for almost a year with Bank of America in XXXX XXXX. It was a regular checking account with direct deposit setup. I closed the account after resigning from employment at the time. I did close the account in person at the XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX United States That was XXXX months ago. Without employment I have no income. The monthly fee for a checking account was {$12.00} XXXX. I have applied for XXXX & XXXX last year. I am awaiting a determination discussion. I had to close the checking account to avoid going into debt from the monthly charge. I do not have any income to have a bank account. The account should not be a active account. I will contact the branch office in person when I am able to confirm the account was closed. To have my information safe I consider reporting this appropriate. I did have my identity possibly stolen this year. I received a notice from the IRS.gov requiring me to confirm my identity with XXXX because of possible other IRS tax fillings for my SSN. I have confirmed my identity with the SSA.gov & IRS.gov & id.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 2023-06-13
Company: Experian Information Solutions Inc.
State: LA
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:
I work with someone to do a settlement on in account with XXXX XXXX XXXX original creditor was XXXX XXXX XXXX for XXXX. I paid a Settlement of XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX ( XXXX ) XXXX on XXXX XXXX. This amount has cleared my bank account and i need to be removed ASAP.

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 2022-11-19
Company: EQUIFAX, 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:
I am interested in disputing all inaccuracies on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Synovus Bank
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XXXX i rented a car. when i returned it XXXX took days to get it checked back in. well they ended up charging my credit card over {$2000.00}. I ended up disputing it and XXXX issued a refund. well when they issued me a new card they ended up creating a new a new account. well that original account still continues to report with an open balance of {$2000.00} over limit. its taking a huge impact on my score. i have sent messages, letters with proof, called them and nothing gets done. i just want it updated to XXXX. becuase it has not been updated its showing my utilization at over 400 % and and because of it the utilization the points that were taken when first reported have not been retured. the longer this goes on the less likely that my credit will repair it self when the reports are fixed per first progress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXXXXXX XXXX  ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Kikoff Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Subject : Request for Investigation and Correction of Discrepancies on My Consumer Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported " late payments '' on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request an urgent rectification. 

Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. 

The accounts for which I have been erroneously marked as late are as follows : Kikoff Lending LLC : XXXX Paid as Agreed I have requested that the Consumer Financial Protection Bureau ( CFPB ) carry out an in-depth investigation of these issues. I would appreciate it if you could provide me with detailed statements that validate these supposed late payments. 

Should you not be able to furnish substantial proof of these late payments, I hereby request in compliance with FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status - " on time ''. This is imperative as I have never, to my knowledge, been late on these accounts. 

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports. 

Yours sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.

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 2022-11-19
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My sister-in-law, XXXX XXXX owned the property in question with her mother, XXXX XXXX. She had put the property into forebearance after losing her job in XXXX during Covid. XXXX passed away on XX/XX/XXXX and XXXX 4 days laters on XX/XX/XXXX. I was named XXXX 's executor and her son, XXXX XXXX was named her heir. I am XXXX XXXX 's XXXX or her estate and XXXX 's XXXX of Attorney. 

I have been working with Flagstart Bank and began making the modified loan payments in XX/XX/XXXX. I was working with the loss mitigation department through this process and was at the finish line to completing the loss mitigation when they told me that I needed to get the deed in XXXX XXXX 's name. I did that in XX/XX/XXXX and then immediately the loss mitigation was cancelled and no one at Flagstar would talke with me. 

I had to resubmit all the documents from the death certificates to my certificate as the administrator, the deed to put the property in XXXX 's name and the power of attorney. They sent me a letter telling me that XXXX XXXX would be my single point of contact. I called this past week on Monday to try to get an appointment with her and was told it would be 24-48 hours before I would hear from her. As of today, I still have not heard back from heror anyone at Flagstar. I have made sure the modified loan payments have been made since XXXX ; but they have returned the XXXX payment. 

I also have now received a letter that they are going to foreclose on the property, I'm going to pay the amount of the original payment this month to try to get their attention that way ; but I'm at wits end since they are no longer talking with me on this matter. I have been trying to resolve this for months and get the loss mitigation finalized. 

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 2018-08-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/18 I called Wells Fargo because I never used XXXX on mobile banking and wasnt sure how it worked or if it was secure if never receiving a item. Im a college student and I was trying to buy a puppy that happened to be online. XXXX $ was transferred to purchaser after I was assured by my bank. My mother bought her dog online and had hers flown via airplane on a different website so I didnt think. I signed a contract with purchaser and told Wells Fargo in case I never received this dog would I be able to get my money back I was told yes by customer representative that if I didnt get it by that week of Friday as expected to call. After transaction was made the website micropupsforall went down. I immediately called Wells Fargo and filed a claim but was told it is very unlikely I get my money back from another representative and was explained which I wasnt explained before that XXXX is only a money transfer like cash app I spent my hard earn money on a puppy I never received. The scammers number is still working and hes probably scamming other people. I still have all texts and emails. I have filed a police report in this process

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 2023-07-27
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I rented a car in XXXX with the understanding that collision insurance was a benefit. I verified this with XXXX at XXXX used the credit card to pay for rental. 

Unfortunately, when I notified collision benefit, at XXXX on XX/XX/23 that the car was damaged and I was billed {$2200.00}, they insisted that I have no collision benefits. 

I again called visa at XXXX and they again insist that I do have coverage. Spoke with XXXX a supervisor. 

XXXX is responsible for this XXXX bill whether I have coverage or not. Telling customers they have benefits when they do not is False Advertising and even Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Mortgage provide Shellpoint is illegally/ intentionally bankrupting consumer I bought an investment property in Michigan , and I was informed that there was a XXXX XXXX on the property due to my tenants ' misbehave. I have retained an attorney immediately and informed the bank the XXXX XXXX is being removed ( please see attachment ) Then the bank has charged me many months of " litigation fee '' in sum of {$6800.00} without explanation. They continue to post " litigation fee '' on my account even after the XXXX XXXX was removed. Now I am forced to sell the property because I can not afford to make payments. The house has been under contracted and the TITLE SEARCH came back clean, yet the bank continues to charge me " litigation fee '' not to mention that my own attorney has taken care this matter months ago.

I am attaching the Release letter, clean title search, contract of sale of the property. Theres were another 2 houses involved in the incident, the other parties bank did not even charge a penny for such event, given the fact that the owners are also the victims of the incident and have retained attorney at their own cost.

Please have shellpoint explain 1 ) the break down of the litigation fee 2 ) what was done on the bank end to solve this matter 3 ) i am attaching everything my attorney has done, and the release letter he resolved 4 ) why do Shellpoint continue to charge " litigation fee '' even after the title is clear?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, INC.
State: AR
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:
My sister informed me that I received a letter in the mail at her home address were I have never lived before stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and other accounts that had been opened under my name. These accounts are not mine. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX  XXXX {$210.00} XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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:
checking over my credit report I realized a lot of information is invalid. I am interested in disputing all incorrect information from my credit report with Equifax to clear my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been filing complaints against this company repeatedly because they can't seem to manage my consumer file correctly. In my last complaint, they told me that Chexsystems had no information about me, which is simply not true. When I checked my Chexsystems account, I found over XXXX different accounts they claimed were clear. 

Today, on XX/XX/2023, my concern is about a message they sent through their website. Initially, they told me they hadn't removed my dispute with XXXX due to accuracy, but just XXXX minutes later, another message stated that it was removed from Chexsystems. To understand the situation, I ordered another consumer report and found numerous inaccuracies. This is the primary reason for my new complaint. 

Their communication doesn't match what I see. They initially told me and the CFPB that I had nothing on my file, yet I still encounter numerous inaccuracies. This company isn't meeting its obligations and isn't being fair. If I were to try opening a bank account now, I might face denial due to this confusion. They claim I'm clear, which further complicates the issue. I'm not sure if my report freeze is causing this problem, but I've requested my security pin and am awaiting it. I will certainly question what the agent told me and the CFPB. 

They should provide me with the information that banks send, not fabricated bills. I've reported identity theft, and although it may not be directly linked to Chexsystems, it's crucial for my identity theft claim with other banks and credit reporting companies. If there truly were nothing on my report, as they claimed, I wouldn't need an identity theft report for them. But I'm dealing with banks and accounts unrelated to Chexsystems, and that report supports my identity theft claim. Chexsystems should consider my disputes of inaccurate information, names, and addresses throughout the year as they assess my identity theft claim. 

I plan to write a letter to Chexsystems to collect all the names and addresses I disputed this year. This will assist me in my identity claim when I make my police report. Dealing with this company is time-consuming, frustrating, and feels like my rights are being violated due to these inaccuracies. I've been dealing with them for quite some time, and it's an ongoing issue.

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