BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: MI
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 paid my payment on the XXXX. Nissan filed it as a principle only payment but it wasn't. I called and they corrected the payment as it should be. Then they charged me a late payment for XXXX. I wasnt late for XXXX or XXXX. I Shouldn't be responsible for their mistake.I work hard to pay my bills on time and keep my credit good. I shouldn't be responsible for someone else 's incompotence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX working for Bank of America & Various other Businesses & Fake Churches in XXXX, Georgia were using my Bank Account to Pay their Bills & Withdrawing my Tax Return Monies every year I Held an Account with the Bank beginning in XXXX. As a XXXX XXXX XXXX, I was not allowed to have very much Monies, as they were Holding me XXXX for fear I would run away. Their XXXX had Card Copies of my Accounts, and to Hide their Large Withdrawals & Transfers they would create Blocks of Transactions that were previously done to make the Statements look Real. I watched at XXXX XXXXXXXX XXXX  XXXX as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX, as well as others discuss such things. I was being XXXX in the Back. The Statements they sent me are Indicative of their XXXX  Master Manipulation at hiding their Fraudulent Activities on people 's Accounts they Hold as their XXXXXXXX XXXX. XXXX XXXX, XXXX XXXX were the Masterminds. XXXX XXXX my Great Aunt, Daughter of XXXX XXXX XXXX, owner of XXXX, Sold me back to the XXXX  in XXXX, right before XXXX XXXX XXXX to Change his Last Will and Testament & Leave me out of it. XXXX XXXX XXXX, had given me Full Control of the XXXX XXXX XXXX XXXX, to keep the prices low, as he told me in XXXX. Today, the Fake owners of the products have some of the prices as high as the competitor prices. And Many XXXX Managers are apart of the XXXX XXXX XXXX XXXX XXXX and XXXX. The Bank of America XXXX XXXX are Horrible XXXX XXXX. I demand something be done about this, as people of the XXXX XXXX XXXX XXXX continue to suffer at the Hands of these Ruthless Terrorists as I did. Being XXXX inside of the Banking Centers. XXXX XXXX and his XXXX family members were Helping them Sell my XXXX XXXX XXXX  for over {$20000.00} each to Finance their Lavish Lifestyles. I have filed over 100 Reports to XXXX XXXX XXXX and Security, & the FBI regarding this Extremely Urgent Matter. Please send my Report to a Real Law Enforcement Officer, as these people Violated the 13th Amendment of the Constitution Regarding XXXX. Thank you.

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 2023-07-18
Company: EQUIFAX, INC.
State: MI
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 contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I was never late on this account. The late payment shown is in error. Please check payment records and provide documentation why this is reporting as a late payment. This is a good standing account. Again, please verify this immediately and correct the reporting error!

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 2023-05-21
Company: Experian Information Solutions Inc.
State: NY
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 was never late on the paid off account as listen above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my report please. The FCRA allows 30 days for this matter to be rectified. 

XXXX XXXX XX/XX/2022 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 2023-05-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 I applied and was approved for a Chase Wepay merchant account for my business to accept credit cards. 

I provided the with all the legitimate documents needed. I also ordered the credit card processing hardware. 

I used the service a several times by sending a link for my customers to pay XX/XX/XXXX for {$1500.00} ( Down payment for painting job ) XX/XX/XXXX for {$550.00} ( Garbage disposal installation ) XX/XX/XXXX {$3900.00} ( House painting project ) XX/XX/XXXX {$80.00} ( IT device installation ) XX/XX/XXXX {$2400.00} ( Bathroom remodel partial payment ) All of these transactions we complete via a link which allows my customers to pay through chase Wepay. 

After the transaction on {$2400.00} on XX/XX/XXXX I received an email on XX/XX/XXXX stating they closed my account " Because my account is susceptible to a high chargeback or dispute rate '' This account was opened for 90 days and all the transactions where legitimate transactions for the purpose of the business intended. Also all required documents when where provided prior to them approving the merchant account. 

Also I have not had any chargebacks or issues with this " new '' account. 

There was no reason for this account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$17000.00}. XXXX XXXX Balance : {$5500.00} XXXX XXXX Balance : {$17000.00}

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 2023-05-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reach out to Experian XXXX and XXXX XX/XX/2023 and XX/XX/2023 about accounts and collection I had no acknowledge of. I first dispute online and the report came back accurate. So I called the credit bureau to reopen the investigation and explain that the company in question didnt notify me of the debt and wasnt returning my call. I asked for the Investigation to reopen and mail me any proof of signature original contract or anything they had on file that shows me Im responsible for the debt. After about 15 days debt came back verify again through email but never mailed me a updated credit report or the proof that shows Im responsible for the debt. 

The debt in question is XXXX XXXX XXXX XXXX is {$6.00}, XXXX XXXX XXXX XXXX The amount is {$530.00} XXXX  XXXX XXXX Amount {$420.00} All dispute was updated again on XX/XX/2023 and doesnt give me the option to dispute again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used td bank to transfer a bank transfer to XXXX XXXX on XX/XX/2019. The amount was {$1000.00}. Due to an account problem during the transfer process that needed to be verified, the transfer was suspended by the bank. I immediately called to cancel it. The online service staff clearly told me that there would be no automatic transfer, but when I checked my bank records on XX/XX/XXXX, the transfer was transferred out of my bank account without my authorization and notification. I am very disappointed about this. Due to the irresponsible operation of the bank staff, I contacted the bank many times to solve the problem and got the money back. There was no response until now I found the cfpb department to complain about this matter. I hope td bank can be responsible. Solve this problem and return the money to me at the same time.After all, the irresponsible behavior of td bank has affected me and all customers who support and continue to use their banking experience. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
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 called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 I signed a modification agreement with my home mortgage servicing company and I realized that none of the provisions in this modification were helpful to me or even what a modification is supposed to do to help me as a homeowner. I began to communicate with my mortgage servicing company at the beginning of the Covid pandemic. I lost my job because my employers retired and close the office. I contacted Select Portfolio and they requested documents from me to determine whether I would be eligible for a modification. Shortly after the first communication I was told that the owner of my mortgage did not offer modifications. I explained my situation and provided them with proof of my situation. I knew that the government was offering forbearance for homeowners during the Covid so I explained to Select Porfolio that I was XXXX XXXX XXXX and it was difficult for me to find employment and told them I was going to XXXX XXXX XXXX XXXX XXXX XXXX for extra income but that it would have been difficult for me to make the payment and asked if I could get some kind of relief. A few months later Select Portfolio sent me a letter stating that I had been approved for a modification. I thought it was going to help me and I immediately signed the document that was sent to me and then I was told that I had escrow arrears and that in addition to the mortgage payment I was going to pay extra.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: MRS BPO, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX with account # XXXX is stating I owe {$2100.00} because they are adding a collection fee of {$150.00}. Now they have went an put on collections as I owe {$2300.00}. Yet, when called I was directed to a collection agency. They are Mrsbpo XXXX act # XXXX stating the same amount of debt on file with XXXX . The collection from XXXX is one reporting imporperly as it should be Mrsbpo XXXX furnishing on my credit file and XXXX would technically be a charge off account. Yet, heres the kicker... ..Mrsbpo is part of XXXX. I noticed that I had a collections once it hit all three of my credit files. I was not sent anything to dispute this debt an be givin 30 days. They are now violating many of my rights under the FCRA because not only are they furnishing incorrectly and I have right to 100 percent accurate credit file at all times they now added fees for collections that in which is aginst the law. But doing as if its XXXX but its for Mrsbpo. Also after seeing they put on credit without validating or sending me anything they then sent me a dunning letter with ofcourse more violations to count! XXXX didnt even send the proper validating papers. I was one piece of paper. I called to request where they came to amount as I need an itemized bill to explain and the papers they sent make no sense as im not sure where amounts are comming from. This account needs deleted due to many violations to my rights. Both accounts are not accurate and clearly cant validate properly the debt and I want deleted and for Mrsbpo to handle the invoice within the thirty days as I have the right under the FCRA.15 USC 1692f ( I ) unfair practices XXXX Violated- paper dont tear to send in amount Violated proper furnishing of credit file Violated adding fees to a debt bought out Violated communications to validate before furnishing file Violated still being on credit file while being disputed threw below account that's actually XXXX account.

Mrsbpo Violated- Dunning letter symbols Violated where paper dont tear for amount Violated claiming a debt when I didnt get to dispute when stating XX/XX/2023 Violated being as they will accept money but check to be made out to XXXX and manyyy manyyy more violations thats on the invoice. 



wont allow me to add more photos*** I have more of the documents if needed but I think these should be sufficant enough

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: I.C. System, Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX  " verified as accurate and updated '' disputed information regarding I C Systems Collections account no. XXXX XXXX XXXX  in collections from original creditor XXXX XXXX XXXX XXXX ). I have never requested or received any products or services from XXXX XXXX. I have never lived or owned property outside of my home XXXX XXXX XXXX, and XXXX XXXX does not appear to provide products or services within XXXX I have not been involved with XXXX XXXX in any way, yet I C Systems Collections has apparently repeatedly " verified as accurate '' the information it submitted to XXXX which is adversely reflected on my credit report. I would like this inaccurate information removed from my credit report and my personal information removed from the I C Systems Collections and 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 2023-06-14
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Payment was marked late when it was supposed to be a skip payment for the month of XX/XX/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 2023-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 17th endeavor to tell you 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation