BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX  XXXX XXXX Is negatively affecting my banking need they reported false information in my file my XXXX  XXXX XXXX Checking account was opened fraudulently I didnt authorize the opening of this bank account please remove any negative items on my report that is in relation to XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 went to the XXXX Police Department to file a police report in regards to me being a victim of identity theft, a checking account with XXXX XXXX XXXX Bank, {$960.00} and XXXX fraudulent inquiries viewed by others currently listed on my Chex Systems credit report. The XXXX Police Department informed me to file a complaint with the Federal Trade Commission XXXX XXXX XXXX XXXX and told me Chex Systems is required by Federal to accept the Federal Trade Commission XXXX XXXX XXXX in regards to unauthorized and fraudulent inquiries and accounts. Chex Systems keep telling me I need a police report and they can not accept the Federal Trade Commission XXXX XXXX XXXX. I want Chex Systems to immediately delete and remove the following fraudulent and unauthorized Inquiries Viewed By Others currently listed on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello my name is XXXX XXXX I live in XXXX XXXX North Carolina. I am a XXXX XXXX I do XXXX work I offer my services in North Carolina and also in XXXX NY. Back in XX/XX/XXXX I came to Bank of America to do a wireless transaction of XXXX this was my first time doing a wireless transaction. One male took the whole information and help me with the transaction he gave me a receipt to make sure everything was right and I noticed that he messed up the amount he put XXXX on the transaction instead of XXXX. Which I immediately told him to cancel the transaction because they mess up the amount and I was coming back home the next day so I will try to do it in NC. He contact his manager XXXX because he was unable to get in the system to do it so I talk to her and told her about my situation i was far away from home so instead of changing the amount I would love to have it cancel. She agreed and she told me that she will do that right away. After a week a call her and email her and she did not respond to me I send my worker XXXX XXXX to her office so he can ask her how much longer should I wait to have the money back on my account and she told him 30 days. In XXXX I fly to XXXX to ask her again why the money was not on my account yet, which she told me it can took more than 3 months to be there she gave me one more page where it said it was Bank of America fault. Today is XX/XX/XXXX I had call her and email her and her last email was that I need to call customer service regarding that transaction. At this point I do not know what to do that money is for my business taxes I work hard very hard and now she is not giving me an answer. 
really need help.

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 2022-09-19
Company: EQUIFAX, INC.
State: FL
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX  Gave my account to Credence Resource Management , LLC for collecting my remaining Ambulance charges. 

Collection Agency name : Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credence Resource management collected {$1000.00}. The actual amount I owed was {$520.00} ( Per XXXX insurance summary of benefits ). So Credence Resource falsely collected {$550.00} ( {$1000.00} - {$520.00} ) from me. 

On calling them multiple times for this issue and submitting my request to refund the remaining amount, Credence Resource Management denied it. ( I still don't know where my money is, or even if I will get it back ) Per the practices of FTC, a debt collector can not collect debt more than what a consumer owes. 

A federal action should be taken on Credence Resource Management for their unfair debt collection practices. When they called me to collect this payment they said that they can not wait until I hear back from XXXX insurance on my benefits summary and I need to owe them {$1000.00} right away. 

XXXX action should be taken for this. In return I must be compensated the nominal interest and the amount falsely charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: AR
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 received a copy of my credit report and found the following item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize or sign for any of these inquires and by the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my reports. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CBC Companies, Inc.
State: FL
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:
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in XXXX years, I have seen many discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! 

I am filing all the necessary paperwork as I have recently found out about this. 

The following accounts need to removed from my XXXX, TransUnion, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX. XXXX, XXXX {$530.00} XXXX XXXX XXXX, XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX, XXXX {$630.00} CREDIT XXXX XXXX XXXXXXXX XXXX, XXXX {$530.00} XXXX XXXX  Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out this loan while i was in XXXX  for a year and have had nothing but issues with these people at XXXX XXXX  calling me 2 to 3 times a day after leaving messages and also calling my work and leaving messages. This has been going on since i moved back to XXXX  in XX/XX/2022. I have asked them not to call my work more than once and they refuse to stop. I also sent 2 letters asking them to stop calling completely and only correspond by letter and all i get was a call telling me that we don't have to honor my request. I have tried to refinance the loan to lower the payment in XXXX  but was denied and no other help with the loan no hardship options or nothing. I have tried every avenue and called many debt help companies and Attorneys and am about to have a XXXX with all the calls and issues with Tower loan and do not want to file Bankruptcy.

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 2022-07-28
Company: ACS Education Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, I had ACS for student loans years ago and am unable to reach them to get my payment records to prove that I was making payments so I can get credit under the public service loan forgiveness program. XXXX says they do not have access to acs records and that I must go through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: MONEY SOURCE, INC., THE
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for a short sale with The Money Source - servicer for the FHA loan. There is a partial claim as well that was part of a loan mod before XXXX took over the loan. XXXX has no clue how to service an FHA loan and closed out my review even though I have an offer at the appraised value because they did not include the partial claim in their calculation. I requested an appeal through my online portal and it has been over 2 weeks and the appeal is not open because they are saying the email had to go somewhere else. My attorney also sent in documentation that they are incorrectly servicing the FHA loan and they claim they did not receive it, even though counsel has a confirmation email that it was received. Called in on XX/XX/XXXX to check on the appeal and was told it had not been submitted. XXXX, the XXXX for the account said she would get it submitted. Called in on XX/XX/XXXX to check on the status of the appeal- was told it is a closed file, no appeal ever received. Not sure how that jives with the XX/XX/XXXX call when XXXX could see it, but now they cant. The Money source will not take responsibility for not reviewing the file correctly and instead putting the blame on their borrower. there is an attorney on this case, the attorney sent in the documents on XXXX, but they will not open the appeal because the borrower sent an email in the secure portal and not to the generic " lossmitgation '' email. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting, credit repair services, 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 was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with XXXX  for a Synchrony XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX  report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. 

Synchrony on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Accounts on my credit report being posted not accurate.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: IL
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

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 2022-06-24
Company: Klarna AB
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have used the service provider Klarna Inc since 2021 without any issues, until recently. After numerous attempts to apply for the product, meeting all of Klarnas requirements, and satisfying all payments in a timely manner, Klarna has begun to discriminate against me and refuses to assist with the ongoing issues with their service. 

The issues stems from their automated approval system that performs a soft credit check every time a customer attempts to create one of their one-time use cards that are provided by their Buy Now Pay Later model, that allows users to split their payments into four equal payments if you use their service. 


For the past two months Klarna has declined my applications for one of two reasons whenever I attempt to use their service, their notices of adverse action show they either can not verify my identity or the payment method I am using is not able to be approved. 


I have verified and concluded all of my personal information on the Klarna website and my credit and consumer reports are the same information Klarna has always used when they approved me in the past, and the payment method I have attempted to use is a payment method accepted by Klarna that I have used before and meets the accepted payment methods Klarna advertises as the credit card in using is NOT XXXX XXXX 


Klarna accepts all major debit and credit cards such as XXXX, XXXX, XXXX and XXXX. Prepaid cards are not accepted Please note, XXXX XXXX does not support Buy Now, Pay Later ( BNPL ) products. 


At this point I feel Klarna is discriminating against me as they have refused to look into the issue and have ignored my complaints regarding their system. 

My partner uses the same service and we both used Klarna with the same frequency but he is still able to use XXXX service without interruption, even though his credit/consumer profile and history with Klarna is below mine.

Company response to consumer: Closed with explanation