BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: LEXISNEXIS
State: OH
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 am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is alleged negative debt that is being associated with a XXXX bankruptcy on my credit report. Please remove these accounts. I am no longer associated with these creditors.

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 2023-10-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXXXXXX XXXX XXXX XXXXXXXX Dear Collections and XXXX XXXX XXXX. : This letter is in response to your recent claim that XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 



Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non- compliance. 



Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking XXXX in damages for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act

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 2024-01-12
Company: First Advantage LNS 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, Tx XXXX XXXX XXXX Account # : XXXX Dear National Credit Audit, I am writing this in response to your recent correspondence related to account # XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I choose to accept the settlement amount of {$3200.00}. Which would satisfy the 40 % the company stated they could settle for. Though the above amount is not 40 %, but in fact over 50 % of the total amount, I will accept the offer in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). 
You agree to not list this debt as a paid collection or settled account. 
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. 
You agree to also delete this report from the co / main applicant account by the name of XXXX XXXX XXXX. 
I am willing to pay the amount of {$3200.00} as settlement for this debt in exchange for your agreement to the above terms within 15 calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. This debt has not only affected my credit, but has affected my livelihood and residence for my family and I. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay the {$3200.00} I look forward to resolving this matter quickly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-03
Company: Experian Information Solutions Inc.
State: FL
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 a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 2. The inquiry was not authorizXXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXRXXXX Account Number : XXXX Please remove it from my credit 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 explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Company: Experian Information Solutions Inc.
State: NY
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 formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: LEXISNEXIS
State: GA
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 am writing to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following 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 XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquires and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit for a {$15000.00} check from XXXX XXXX XXXX on XX/XX/XXXX. Chase bank tried calling XXXX XXXX to try and release the funds sooner but XXXX XXXX would not give them information to release it. I can not understand why it takes XXXX  DAYS to release a check? My money is floating and not getting paid interest and it feels wrong. XXXX a bank make AT LEAST the first {$220.00} from the deposit availablefor either cash withdrawal or check writing purposesat the start of the next business day after the banking day that the deposit is made. And shouldnt the rest of the deposit be available on the second business day? XXXX  days is outrageous with the technology that we have in todays world. This feels very shady and very illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-23
Company: Experian Information Solutions 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:
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 correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Hello, I am filing a new complaint as the Franklin responded to the previous complaint but issue has still not been fully addressed. The company responded back with a history of the loan, but did not address the issue of forbearance during the pandemic. As previously stated we were able to workout a repayment plan in addition to receiving assistance from the CA mortgage relief payment following our forbearance. That said, we advised Franklin during the pandemic of our financial hardships, including but not limited to loss of pay, illnesses, car accident, onset XXXX caused directly from the pandemic, we made payments as we could stayed up to date with mortgage protections/laws HUD agency even state of CA. Franklin never once said that we were facing foreclosure due to the pandemic and homeowners protections in place. Our last payment to Franklin cleared XX/XX/XXXX in the amount of XXXX. I advised Franklin that we were working with the state for assistance, kept them abreast of status updates. I advised them that the stated denied as they're not assisting with 2nd loans or HELOCS only firsts and advised me to reach out to the servicer as I should have been offered some type of work out plan after the forbearance. I told them the only thing they told me was that I needed to pay the entire past due amount in addition to attorney fees and there is some XXXX plus charge on there as well. I obviously am in no position to pay that full amount. We are wondering why we were sent directly to pre foreclosure and where the letter advising us that our forbearance had ended and offered options to rectify. At the end of the day we just need help and the actual amount of the payments missed and for what months, the payments we made so I can compare to bank statement in addition to the copy of the letters stating our forbearance was over. We have been through a lot, things have not been easy, we have fought for our home. We are just everyday Americans with XXXX struggling after a pandemic to survive. Please help us. 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Transworld Systems Inc. ( TSI ), seeking to collect the debt in the amount of {$260.00} on behalf of XXXX XXXX as per attached TSI letter. 
I have spoken with the TSI representative on XX/XX/XXXX and informed them that my roommate XXXX XXXX and I have paid the above amount to XXXX XXXX back in the XXXX XXXX XXXX and that we have the payment confirmation receipts to prove it. 
I was instructed by TSI representative to submit the proof of payment information via email address XXXX for the TSI review. 
I have submitted the same proof of payment information receipts as I am attaching to this complaint to the TSI using the email address provided. 
After not hearing anything back from TSI I have contacted them again on XX/XX/XXXX and was told by TSI representative that no information about the case could be provided at this point. 
I think it is a blatant violation of my consumer rights to seek to collect debt that has been previously paid and not to respond to my request for further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
American Express has failed to update the address despite notice being sent to them to update. This has been a recurring issue with American Express including intentionally sending time sensitive information to incorrect addresses knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
They have incorrect information on file about me that Ive never gave permission to use, theyve pulled inquiries that Ive had no idea of. And I have collections from a few that Ive had no part in at all.

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 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is 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