BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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:
To whom it may concern I am writing to dispute inaccurate and unauthorized information in my ChexSystems consumer report. I am concerned that this unauthorized information is causing harm to my credit score and overall financial well-being.

I have reviewed my ChexSystems consumer report and have identified the following inaccurate and unauthorized information : [ ALL Information listed or being reported without my authority that is currently on my consumer report ] I have not authorized ChexSystems to collect or report any information about me. I believe that the information being reported is either incorrect or has been reported in error.

I request that ChexSystems immediately investigate this matter and remove all inaccurate and unauthorized information from my consumer report. I also request that ChexSystems provide me with a copy of the corrected report within a reasonable time frame.

I am filing this dispute under the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights when it comes to their credit information. Under the FCRA, I have the right to dispute inaccurate information in my consumer report and to have ChexSystems investigate my dispute.

I believe that ChexSystems has violated my rights under the FCRA by reporting inaccurate and unauthorized information in my consumer report. I am requesting that ChexSystems take the following steps to remedy this situation : 1. Immediately investigate my dispute and remove all inaccurate and unauthorized information from my consumer report.

2. Provide me with a copy of the corrected report within a reasonable time frame.

3. Cease reporting inaccurate and unauthorized information in my consumer report in the future. 
I am also considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and with my local district court, XXXX XXXX XXXX XXXX XXXX. I believe that ChexSystems ' actions have caused me harm and injury, and I will be seeking compensation for my damages. 
I urge you to take my dispute seriously and to take immediate action to correct the inaccurate information in my consumer report. I look forward to your prompt response and resolution to this matter. 

Respectfully Submitted 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 2021-01-05
Company: Commonwealth Financial Systems, 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: Account status incorrect

Complaint:
On or around XX/XX/XXXX, I told them the debt was from XXXX and it was not appropriate for them to be updating the " opened on '' date, and sound illegal. The representative I spoke with informed me they had been operating for many years like this and it most certainly was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I read US Bank advertisement on a websites regarding its XXXX Olympic promotion which ran fromXX/XX/XXXXto XX/XX/XXXX. 
It promised to give additional bonus points to new card holders depending on number of Gold, Silver, and Bronze medals of XXXX XXXX on XX/XX/XXXX Olympic. 
Each Gold Medal = XXXX points Each Silver Medal = XXXX points Each Bronze Medal = XXXX points I applied to this offer and got approved on XX/XX/XXXX. 
But US Bank refused me the Olympic bonus points because I applied using " third party website '' and not flexperks.com that is owned by US Bank. 
But any " third party website '' will link to XXXX where US Bank got my application and subsequently approved it. 
If " third party website '', like XXXX, did not facilitate nobody will know about XXXX, US Bank, or its products. 
The XXXX advertisements are still there. 
You can see them live on XXXX XXXX XXXXusbank/ for both dates XX/XX/XXXX and XX/XX/XXXX. Just scroll to these dates. 

I attached screenshots of this pages. 

I see actions of US Bank as False Advertisement and would like to get US Bank reprimanded. 

Thank you. 

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 2021-01-15
Company: BMW Financial Services NA, LLC
State: IL
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: Problem with personal statement of dispute

Complaint:
I am writing this second complaint because on the first complaint I sent they simply said case closed. So this is my response to their reply on my first complaint This is the Second time you are receiving official direct credit reporting issue because I have decided to file it through CFPB after not receiving a response on my previous ones that I have filed. You are hereby saying that I have always made manual payment prior to that date ( Which is correct ) I also stated that after changing my banking info ( Go ahead and check that in your records ) you will see that I have 2 bank accounts on my profile attached, I was told I am good for the auto pay. I switched my bank account and I called to set that auto pay up. The timeframe you said I set the autopay is because I got tired calling you for the same thing and I did it online. Same as you claim that you have called me numerous times and tried to reach me I did the same with you. I called and explained myself that I don't do LATE payments. Your payments are the only one that are reflecting bad on my report. My credit score is again PRISTINE clean with never being late on a payment. Why would I knowingly not pay you and let my score go down? When TONS of your customers were deferring payments due to corona pandemic I didn't and I kept paying. Now here I am trying to remove an injustice done to me by the Bank that I am with for the previous 5 years and in that span I have never missed a single payment, on top of that I have made EXTRA payments ( Maybe you should go and check your system for that as well and let me know ) So my point is why wouldn't you remove something that its not done by me? Is that how you appreciate and look after your current long-term customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: World Acceptance Corporation
State: TX
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 have not liable for the debt with XXXX XXXXXXXX XXXX XXXXXXXX and WORLD ACCEPTANCE - G I do not have a contract with WORLD ACCEPTANCE - G or XXXX XXXXXXXX XXXX XXXXXXXX and i was not provided with the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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 FIFTH 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 four 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.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2021-01-15
Company: The Moore Law Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have gotten several phone calls and letters in the mail & even had someone of the courts serve me at my home from a Moore Law Group stating that they are suing me in 30 days if I don't pay {$11000.00} that was owed to another company named XXXX XXXX Department Store with the account number XXXX. When I called the Moore Law Group to find out who they are and where this amount I owed of {$11000.00} came from they told me that, if I don't respond within 30 days then I would be taken to court to have my wages garnish. I do not have an account with XXXX XXXX nor have I ever received products, goods, services, or monies from XXXX 's or Moore Law Group. I have been a victim of Identity theft in the past. This may be a result of that but I don't know who stole my identity.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-06-20
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I thought I was disputing the fee for the target red card and sent them a letter to provide documentation that is legally required based on the Fair Credit Reporting Act and they still did not nullifying the debt. They kept charging me late fees and reported the amounts to the credit bureaus without a letter of dispute - another violation of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NY
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: AES/PHEAA
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I offered to settle the amount owing to XXXX in full upon them furnishing the original instrument of indebtedness in its original form. I communicated with them 3 times over the course of several months. I had asked them to provide this verification of the debt legally existing by XX/XX/2020. Not only did XXXX make no attempt to provide me with the original instrument that created the liability, but XXXX didnt even reply to my communications with them. They did, however, harass my extended family members with phone calls. They called the same family members multiple times, informed them that I have a debt, and asked them to pass on messages to me. They did this even though they already had all of my information about how to contact me and communicate with me. Due to their inability to provide the original instrument of indebtedness, I informed them that I considered the matter between us to be legally and financially settled. When they finally did reply to ME and communicate with ME, on XX/XX/XXXX, they included something that was NOT the original instrument of indebtedness and continued to try to collect the debt. The letter from XXXX was simply signed XXXX, Customer Communications. There is no last name because nobody wants to be held liable for pursuing to collect an unverifiable debt. 

I am now being harassed by PHEAA, Pennsylvania Higher Education Assistance Agency, with whom I have no contractual relationship. They are third party interlopers, have no knowledge of the matter between myself and XXXX, and have no business what-so-ever harassing me. I have disputed the debt with them and informed them that the debt was legally and financially settled. 

It seems to me that there is no original instrument of indebtedness in existence which, again, settles the matter legally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you in good health. I am writing to bring to your attention an issue regarding my credit report. Upon reviewing my credit history, I have identified an entry that appears to be inaccurate and is affecting my credit score adversely. I am writing to request the correction or removal of the late payment entry associated with my account. 

Below are the details of the late payment entry : XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

Upon careful examination of my financial records, I believe there has been an error or misunderstanding regarding this late payment entry. I am confident that the payment in question was made on time, and I would like to request an investigation to rectify this discrepancy promptly. 

Maintaining an accurate credit history is crucial to my financial well-being, and I am committed to resolving any discrepancies promptly. I kindly request your assistance in investigating and correcting this matter as soon as possible. Once the investigation is complete, I would appreciate it if you could provide me with written confirmation of the actions taken to rectify the late payment entry on my credit report. Additionally, if there are any further steps I need to take, please advise me accordingly.

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 2021-03-05
Company: Experian Information Solutions Inc.
State: OH
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:
Hi i tcheck my score credit in my bank and i found report from Experian that i didnt pay XXXX $ and i know from that cz i have no idea about that and i dont know that charge from what

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 2021-01-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I set up a new bank account w/ Huntington Bank XXXX I got it set up, and wanted to transfer the considerable $ $ that I had in my account at XXXX XXXX XXXX XXXX XXXX that I had when I was a minor. I followed the steps to verify my external ( credit union ) account on Huntington 's website. After I verified the CU account on Huntington 's site w/ micro deposits, I was prompted to transfer funds from the CU to Huntington . I initiated a {$4200.00} transfer. on XX/XX/XXXX I received an email that the deposit had been rejected because I hadn't verified my account ( I had ). On XX/XX/XXXX we went in to a Huntington branch and showed them bank statements and my license, and they again verified my account. But the {$4200.00} has been missing for a month. There have been numerous phone calls and emails and still no resolution. Huntington told me that the credit union had to file a dispute. Two times I asked the credit union to file a dispute and they said they couldn't, that Huntington had to file. I called Huntingon and they said they couldn't file. The credit union said they needed the transaction number. I called my Huntington branch, and they told me to call customer service to get the number. The customer service has been horrible on both sides. For weeks, no one has stepped up to help resolve this issue. My mom has been helping because I don't have access to email and phone at work. Working on my behalf, she asked both institutions to file a dispute on XX/XX/XXXX. Both institutions keep saying the other should file a dispute. The credit union allegedly filed the dispute about XX/XX/XXXX. The branch manager responded to the email and said that she had reached out to XXXX to have the money returned/refunded to my account. On XX/XX/XXXX we discovered that Huntingon had not filed a dispute as asked on XX/XX/XXXX. My mom spoke to the Huntington branch manager on XX/XX/XXXX and she said that she had escalated to her boss ... .after one month. We again emailed and asked all parties to speak on the phone and get this issue resolved. So it has now been over a month. I verified my account as specified on Huntington 's website, by doing the micro deposits, but they rejected the large deposit. And the {$4200.00} is still missing. As a young adult, this is financially devastating to have a huge amount of money missing for so long. It has disrupted my work because of having to make so many calls. It has caused a huge amount of stress and been a significant waste of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom it may Concern : This is request for documentation of original contracts. I take issue with the methods used by XXXX XXXX, XXXX XXXX AND A FEW OTHER ACCOUNTS LISTED BELOW! XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( 1959 ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 
XXXX XXXX XXXX # XXXX**** XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX   # XXXX**** XXXX XXXX # XXXX**** XXXX   XXXX  # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX/XXXX XXXX # XXXX**** Please send notice of a cease and desist to all creditors until documentations are properly provided.

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