BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection Agency : CCS COLLECTIONS Date Assigned : XX/XX/2022 Original Amount Owed : {$140.00} Amount : {$140.00} Collection Agency : XXXX XXXX XXXX , XXXX . 
Date Assigned : XX/XX/2022 Original Amount Owed : {$630.00} Amount : {$630.00} I have reported these items several times as identity theft as I am not the responsible party of these said collection debts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted NewRez Mortgage on XX/XX/2023 about my taxes that are escrowed. They paid my property taxes on XX/XX/2023 which incurred late fees of {$1100.00}. I have submitted documents on XX/XX/2023 and again on XX/XX/2023. I have called on three separate occasions and they continue to either disconnect or state they need more time to research. When I log into my account online it states that the case has been closed. They still have not refunded my escrow account. I need them to refund my account and pay me back the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX report shows no derogatory remarks yet I have to open a bank at a second chance bank. XXXX  XXXX XXXX closed my account and wouldn't tell me why and neither will XXXX. I was a XXXX XXXX XXXX customer for 2 years.There seems to be some confusion regarding my address. I was living at my mom 's house in XXXX then I got my apartment in XXXX which according to the XXXX XXXX XXXX  is XXXX XXXX XXXX XXXX My fiance has the gas bill with this address listed. However when applying for or paying for goods and services, bills etc, a few companies use data entry systems, ( such as the bank I currently bank with XXXX ) that absolutely do not allow the employee entering your information to type the / symbol as part of your address. 

My consumer ID is 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 2023-08-16
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Consumer complaint received 2022-02-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: United Resource Systems, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Despite the merchants on printed words online and there own quote of the debt this sleepy debt company is trying to collect an amount not owed and as usual jack the price up 300 percent from what the merchant first falsely claimed. How long will we let this company go on Interpreting their own version of medical paperwork and practicing law without a license. This shady business continues to change his name in order to avoid the compile complaints were doing the same thing, extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: GA
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.

has violated my rights. Or list of inquiries 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 2022-11-02
Company: Experian Information Solutions 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:
The comments are inaccurate. This was NOT an " insurance or government claim '' and there's nothing even remotely true about that statement. This was in fact, PAID IN CASH XXXX of 2021. 

XXXX XXXX XXXXXXXX XXXX  Comments : Paid, was a collection account, insurance claim or government claim or was terminated for default

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 2022-07-26
Company: TRUIST FINANCIAL CORPORATION
State: DE
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:
On XX/XX/2022 I submitted a dispute against Regional Acceptance Corp. On XX/XX/2022 Regional Acceptance Corp. stated that the account information disputed meets the requirements of the FCRA . Regional Acceptance Corp, illegally reported my information to unaffiliated third parties without giving me any disclosures. Pursuant 15 USC Sec 6802 Regional Acceptance Corp. is required by federal law to give me three disclosures, I have not received documents containing the required disclosures pursuant 15 U.S.C Sec. 6802 ( b ). Regional Acceptance Corp., is in violation of many other federal consumer laws. I did not give Regional Acceptance Corp. permissible purpose under 15 U.S.C Sec. 1681b ( 2 ) to furnish this information on my credit report. Without my written consent Regional Acceptance Corp. is committing aggravated identity theft pursuant 15 U.S.C Sec. 1681a ( q ) ( 3 ). As a federally protected consumer, I know that my consumer report shall not include a report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to 15 U.S.C Sec. 1681a ( 2 ) ( i ). If the consumer report does not include transactions or experience, this account should not be on my consumer report. If Regional Acceptance Corp. continues to report this account to my consumer report, they will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C Sec 1028a and extortion. This is my final attempt to have this matter rectified before pursuing legal matters. If Regional Acceptance Corp, would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court where I will file for litigation for actual damages caused by Regional Acceptance Corp in pursuant to 15 U.S.C Sec 1640.

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 2022-03-30
Company: Experian Information Solutions Inc.
State: LA
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, Experian, and XXXX have continually violated the FCRA and my rights from providing my credit report to unauthorized agents, to providing negative remarks on my credit report that are not factual, to stating that all accounts are paid timely one month to having 3 accounts with negative payment histories the next month with NOTHING CHANGING. 

When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 

Reporting a debt as charged off, when it was settled or paid off. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Failure to report that a debt was discharged in bankruptcy.

Reporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or XXXX XXXX XXXX ( Chapter XXXX bankruptcy ). 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). 

Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ). I have repeatedly sent my information regarding my correct name, address, and spelling on my name to no avail.

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas.

Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft, which THEY DID NOT!!!

Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8200.00} XXXX XXXX Balance : {$8200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX XXXX {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-10-08
Company: JPMORGAN CHASE & CO.
State: AL
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:
Hello. I have a credit card issued from Chase Bank. On XX/XX/2017 I purchased a service from an auto graphics company, XXXX XXXX XXXX, and paid an initial deposit of {$1300.00} to have my vehicle " wrapped. '' The deposit guaranteed the work to be performed and completed within 60 days. I used my Chase credit card to pay the deposit after the merchant sent me an invoice via email using their XXXX account. After making the payment, I was no longer able to have successful contact with the merchant and no graphics or wrap was installed on my vehicle. I contacted Chase and filed a dispute on or about XX/XX/XXXX which resulted in Chase somehow finding in favor of the merchant without advising any explanation for their reason. I requested Chase re-evaluate the dispute and purchase and they again found in favor of the merchant. I spoke with a Chase supervisor on the phone who advised me that the merchant claimed that they performed the service and that payment was made AFTER the services were performed. I advised them that was not true and that the invoice even notated that the payment was made in advance of the services. The supervisor advised me to have my vehicle inspected by an industry professional to receive a written opinion to inspect my vehicle and determine if my vehicle received the service I paid for. 

I had my vehicle inspected at XXXX XXXX and received written documentation from the business owner verifying that my vehicle was still in factory condition. I sent Chase the documents they requested and they again found in favor of the merchant. I contacted XXXX and advised them of the problem I was having with a merchant using their processor. I was advised that the merchant is not required to show proof that services were performed, they merely need to state that it was or wasn't. XXXX then discontinued communication with me. I then retained an attorney to assist with this matter which still resulted in the same outcome. A Chase employee replied to my attorney with a confusing, and inadequate letter failing to properly explain their reason for favoring the merchant. I attempted to contact I requested telephone calls from Chase, which I have yet to receive, after learning of some inaccurate details in my dispute. As to date, Chase has not provided me with any documents that they received from the merchant or XXXX that led them to their decision. 

I offered to pay the amount of my card that I believe I am responsible for but was advised the amount in dispute would remain on my account. I have paid interest fees and a higher monthly minimum each month because of this charge where I received no services or benefit from. Please assist with this matter. I will attach documents pertaining to this issue and others if necessary. Thanks. -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2022-07-26
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: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation