BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: AR
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 am writing to bring to your attention an unresolved issue I have encountered with Experian regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your assistance in resolving this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry : Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my nights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions. Therefore I demand this account to be removed or deleted. 
Or my next steps will be contacting the attorney general regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a good customer with Citizens Bank for years. Last Friday, a Wire Transfer of {$1500.00} has sent out and finalized without any notification to/permission from me. I have filed my claim with XXXX Police and XXXX Banks Fraud Department. The XXXXustomer Representative of Citizens Bank stalled my request with companys Policy. I have been my money taken out without my permission since XX/XX/2021. I almost ready to move out the apartment which i have lived with my parents. Without this {$1500.00} in my bank account, i cant afford to oay any rent of my new place. I am hopeless XXXX. Please punish Citizens Bank beyond the full extent of the US Law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2022-07-25
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a letter ( see attached ) with File : XXXX ( without my name ) from the debt collection agency, Transworld Systems Inc ( TSI ), dated XX/XX/2023, stating that I owed {$85.00} from XXXX XXXX XXXX XXXX. I did not contact TSI, thinking the letter must be a mistake since my name did not appear on it. 
A 2nd letter dated XX/XX/XXXX was sent to me, now with my full name ( see attached ), stating that they did not receive a response concerning a past due of {$85.00} with XXXX. I wondered, since I had no account with XXXX nor conducted any business with them, I considered it as a " Fraud '' charge. I contacted XXXX XXXX, and they confirmed that they did not charge this amount, nor did I not have an account with them. 
I contacted the TSI, a collection agency, and they said the amount they collected was with XXXX. Still, when I mentioned that I had already gotten XXXX confirming that this amount did not exist, the TSI rep said this amount was for other charges by the vendor, not even mentioning the vendor 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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 explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
sending to them? I have been requesting that the Credit Bureaus update the disputed account to appear accurate information on my Credit File, but despite all my efforts, the Credit is yet to respond to my letters. The XXXX credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX {$280.00}

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 explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX XXXXXXXX is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete

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 2022-03-13
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX  XXXX is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Cedars Business Services, LLC
State: FL
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:
In early XXXX of XXXX, I checked my credit score, which I do monthly. I noticed a sharp decrease in my rating and decided to look into the issue further. My credit report listed a collection from a company called Cedar Business Services , LLC. I called Cedar Business Services and they told me a debt was opened with XXXX XXXX and they are collecting on their behalf. The debt was approximately {$750.00}. They told me the debt was opened up under XXXX XXXX using my SSN. My name is XXXX XXXX. Cedar Business Services told me they would obtain documentation on the debt from XXXX so that I can file a police report for identity theft. Despite multiple calls to Cedar Business Services, I still do not have the documentation of the debt. This identity theft on my credit report is materially impacting my credit score. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: GA
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 briefly went over my credit report. I see a lot of unauthorized things reporting on my credit report. I recently had everything stolen from me. I filed a police report, and the documents is in the attachments. FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) THE CREDIT BUREAUS YOU MUST FOLLOW THE LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
they added an electric bill on my account and it was paid as agreed back in 2018 and it was removeds from my credit and the current collection i paid and they removed it and just the other day it was back on there with a new debt buyer..SO PLEASE DELETE THIS 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 2022-07-25
Company: LEXISNEXIS
State: IN
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:
To : Whom it may concern CC : CFPB ; XXXX XXXX Attorney General ; XXXX XXXX XXXX, XXXX XXXX XXXX LexisNexis Claims to have used a database called XXXX to verify my alleged bankruptcy and then sold this information to the Credit Reporting Agencies XXXX and XXXX. 

XXXX makes it clear that a consumer has a right to privacy. LexisNexis Going out and digging up this negative information about me is an infringement upon my consumer Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Pursuant to 15 usc 1681b ( a ) ( 2 ) LexisNexis did not have a Permissible purpose nor did they have my written instruction to furnish this item. 

Attached is the document I received back from the United States Bankruptcy XXXX - XXXX XXXX of Indiana that states that they do NOT provide any information directly to any third party information gatherer. 

Since LexisNexis Claims to have investigated this Bankruptcy Pursuant to 15 usc 1681a- ( e ) XXXX states that in order for LexisNexis to have conducted an investigation they have to have spoken to neighbors, friends or associates etc, and if LexisNexis spoke with them the information Provided can not be factual. 

So now I need to know who LexisNexis Consumer Services Spoke with? 

If this can not be provided I demand that bankruptcy be deleted immediately and updated with XXXX and XXXX. 

Attached are all the documents required to verify my identity ( Which I have already provided you with several times ). 

This is my final attempt to resolve this before pursuing litigation as this issue has caused me XXXX, XXXX, and defamation of character if Lexis Nexis is unable to resolve this issue due to violations committed to me, the consumer, a natural living person. 

XXXX : XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: NY
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:
I was reviewing my credit report and noticed the credit bureau is reporting incorrect info, it shows I have 2 late payments accounts which is incorrect. When I try to click to see accounts nothing shows up. I have NEVER been late on any of my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian will not help. Their website does not work. Please see attached. Their phone numbers do not work : XXXX ( telXXXX ) Mon - Fri : 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 2022-07-25
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: SERVICEMAC, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made some bi-weekly payments prior through my bank but the mortgage company did not apply the payments as was received. The hold the first half of the payment is a " suspended account '' until the full amount was received, then applied the full amount at the end of the billing cycle. 

I attempted to make the bi-weekly payments through to the mortgage company 's website they denied my request and said I would have to make an additional fully monthly payment then make one of the bi-weekly payments. 

I eventually complied with their request and made the additional monthly payment and first half of the following month payment but the mortgage company still does not apply the payments as it was received. They keep it in a " suspended : account and wait for the full amount then make one payment for the month. This defeats the entire purpose of making the biweekly payment. I would like the company to apply the payments to the principle as it is received. The mortgage company name is ServiceMac

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 2022-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
Portfolio recovery ( XXXX Bank ) -incorrect account number -incorrect account type -incorrect account status -incorrect monthly payment -incorrect last day reported -incorrect two year payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Designed Receivable Solutions, 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: Information belongs to someone else

Complaint:
On XX/XX/2017, Designed Receivable Solutions added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Designed Receivable Solutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 XXXX hrs, I received an email from Macy 's credit card services about important information concerning my account. -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On the notice it states inaccurate information of a minimum required payment is {$11.00} when in actuality the minimum required payment is {$10.00}. -- -- -- -- -- -- -- -- -- I called the agency XXXX XXXX expressing concerns that if the minimum payment is only {$10.00} which I have already paid but in the email is states that I owe {$11.00}, I am concerned that this may charge me a late fee of not paying {$0.00} cents and disrupt my credit. -- -- -- -- -- -- -- -- -- -- -- -- - The representative who I spoke to asked me for my email address so she would send me information that should arrive in ten minutes confirming what is actually owed for the minimum require payment. -- -- -- -- -- -- -- -- -- -- -- - I have yet to receive any email.

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 2018-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my wife and I was told by my account manager at Bank America that due to Hurricane Irma which affected our home in XXXX Florida, we /I would be eligible for a 90 Days Forbearance so that we/I may repair our home damaged by Hurricane Irma and at the end of 90 day Forbearance that I may request another 90 days Forbearance period and it would be put on the end of the loan. Over the past 5 months we were also told that we did not have to apply for a modification and there is no needed for a modification since the bank would automatically place any missing payments on the backend of the mortgage loan and the loan would be extended automaically. Today our roof is still not fixed and some repairs were made and we are also l awaiting resolution with our public adjuster estimated lost of {$160000.00}. which has been submitted to the home insurance company for a new roof. Since XX/XX/XXXX when trying to make payment arrangements we are told that any months behind during forbearance will be put on the end of the loan and we can extend the forbearance again to XX/XX/XXXX. We are told again that we would have to wait until the forbearance is finished before any payments arrangements could be made. As of today my wife wante to make payment arrangements to pay regular payment plus additional funds o XXXX starting XX/XX/XXXX however again my wife is told that the bank could not accept payment arrangements without modification application. So we have completed application for modification and payment arrangements. As of today we are also that the Mortgage would no longer be serviced by Bank of America and it will now be serviced by XXXX XXXX as ofXX/XX/XXXXand this was requested by XXXX XXXX XXXX XXXX The Investor request. As of XX/XX/XXXX to date since we are consistently being mislead we are asking for XXXX to help us to come to a resolution for Bank of America to accept payment arrangements so we could bring our mortgage payments current and not be transferred to 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