BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
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 status incorrect

Complaint:
After several investigations in account XXXX XXXX  # XXXX account, the credit bureau has failed to update my credit report accurately which is showing 90 day missed payment, which inaccurate and should show On time/paid as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/XXXX I received notice that my mortgage servicing company, NewRez, didn't have proof of valid homeowners insurance for my property. A year earlier, I changed carriers and they claimed they got the cancellation notice for the old policy but never received the information on the new policy, even though they paid the premium for the new policy from my escrow account in the sum of {$1100.00} on XX/XX/XXXX. 

When I received that initial notice, I promptly called the servicer. The person I spoke with, XXXX XXXX, had me email him proof of insurance for the period covering XX/XX/XXXX through XX/XX/XXXX and the policy renewal information for XX/XX/XXXX through XX/XX/XXXX. He told me everything was all set. NewRez paid the premium for the renewal on XX/XX/XXXX in the amount of {$1200.00}. 

On XX/XX/XXXX, I received a letter from NewRez demanding proof of coverage for XX/XX/XXXX through XX/XX/XXXX -- proof I had already emailed on XX/XX/XXXX. The letter stated that if I did not provide proof of coverage immediately, I would be charged {$2500.00} for coverage provided by the lender.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Velocity Portfolio Group
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-05-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have paid over {$30000.00} towards this car loan and it was paid until the last date payments were due. They said more money was owed past the loan term date so they repossessed the car. This is unlawful. I want my car back and they wont listen to me. The loan has been reported as a repo on my credit report. This is with Nissan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX regarding the collection on my credit file. Due to an insurance cancellation and billing error, there was an unpaid bill showing as due that was inaccurate. In order to save time, I offered to pay the bill in full in the amount of {$310.00} if the inaccurate account was removed from my credit file. The payment cleared my account and was never removed as agreed. See attached letter and check.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I got a copy of my Chexsystem report and noticed some accounts that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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:
I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my XXXX  aspirations. As a dedicated and driven XXXX, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX  XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my XXXX  XXXX  without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my XXXX  journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently submitted a request to investigate an item on my credit report to one of my creditors. However, the creditor rejected my request on the grounds that it was initiated by a credit repair organization and deemed frivolous or irrelevant. It's important to note that under the Fair Credit Reporting Act ( FCRA ), rejecting a request solely on the basis of who initiated it is illegal, regardless of whether it was initiated by a credit repair organization or not. Furthermore, the use of templated letters for credit report disputes is a common and lawful practice. Additionally, I provided the creditor with adequate identification information. Any intentional delay in the investigation process is both illegal and unwarranted. I demand that the creditor comply with their legal obligation to promptly investigate the matter as requested.

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 2022-12-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Constant harassing calls, showing up aty door step, at my work and asked to stop and still kept harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is fraudulent. I did not authorize this account. I have sent a notarized FTC report to XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is fraudulent. I did not authorize this account. I have sent a notarized FTC report to Experian, 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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2023-02-08
Company: Experian Information Solutions Inc.
State: AZ
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:
My US Dept of Education and XXXX XXXX all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for 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 2023-05-25
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer Adjustments Company reported to the credit bureau that I opened an account on XXXX, XXXX, 2023 for {$1600.00} with them.. I did not open an account with them nor any company call XXXX XXXX on XX/XX/2023... 

This account on my credit file has dropped my score I tried disputing with the credit bureau and still no success

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX Is standing by the reverification of XXXX XXXX XXXX derogatory and XXXX XXXX XXXX, SC Inquiries removed. Thanks. 

Clearly 15 USC 1681 sec 602,604,611 continues in regards to privacy and/or inaccuracy. 

EQUIFAX XXXX  # XXXX, XXXX, XXXX last submitted XX/XX/XXXX made request to remove inquiries. Also to address XXXX XXXX XXXX that continues to remain on report c/o XXXX XXXX. 

Out of state support of fraudulence is 18 USC 1030 : app related fees and fines since XXXX. 
Most of the inquiries are NOT even active accounts, just phishing and 15 USC 1681 violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed an alert from my fico score via my cell phone around XX/XX/2022 stating a new account has been added to my credit report. This was fraud I had not opened an account with Citizens Bank and it already had a balance for a line of credit of {$6200.00}. I quickly looked up Citizens Bank and contacted their fraud department gave them all the information I had on the issue. On XX/XX/2022 I received a letter from the XXXX XXXX  XXXX Citizens Bank instructing me to get an FTC report done and then turn in additional documentation by email, fax or visiting a local branch to turn in items. 

I was to email : XXXX Fax to : XXXX Mail to Citizens XXXX : I.D . Theft Operations XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bought services through a company called XXXX XXXXXXXX XXXX processed the payment in the amount of {$6000.00} on XXXX XXXX. I paid for services that the company did not provide. They had about a week in order to provide the services that they promised. When they did not, I filed an ACH dispute with my bank, TDBANK about the fraud that was committed. TDBANK denied my complaint for fraud. They said if I did file a dispute within 24 hours there was nothing that they could do. That is unacceptable. First, I wouldnt know within 24 hours if I was going to get the services that were provided or not. Second, under the electronic funds transfer act, I have XXXX to file a complaint and I did so within that time. TDBANK refused to acknowledge my rights as a consumer and this i have lost {$6000.00}. I also contacted XXXX They said they could try to get some of the money back but were unsure if they could recover anything. They said my bank is the one the would usually process this and recover the funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/, I spent two hours trying to get someone on the phone to assist me in getting Toyota Motor Credit Corp. removed as a lienholder as shown on the XXXX XXXXXXXX XXXX XXXXXXXX Department Boat Asset Details ( see Exhibit A ). I spoke with XXXX, Agent # WJVW, XXXX Agent # XXXX, and Supervisor XXXX Agent # XXXX and nobody could provide me with a person that could resolve my issue in a timely manner, nor could they provide an email where I could send the evidence showing Toyota Motor Credit Corp. has a XXXX on my boat title. XXXX XXXX could not disclose his direct XXXX and said the only way to resolve this matter is to send a fax. Nobody could find an account number and I was told that Toyota Motor Credit Corp. did not even make loans for boats. I was given XXXX XXXX # ( XXXX ) XXXX which did not even work. In addition, the Toyota Motor Credit Corp. number displayed in XXXX searches ( XXXX ) XXXX did not even work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please reopen the recent Complaint No. XXXX. 

CFPF closed this complaint prior to the time allowed for response to the mortgage holder reply to the complaint. 

The Complaint was closed on XX/XX/2023, the reply from the mortgage holder was dated XX/XX/2023, however, it was not received until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am now requesting an extension to reply. 

Or would CFPB require I open a new complaint. 

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 2023-06-03
Company: Experian Information Solutions Inc.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 XXXX 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 explanation