BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Genesis FS Card Services, Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have tried several times to deal with the customer service reps to no end. 

My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. 

Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to genesis here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my two XXXX card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2015-06-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have held a mortgage with Nationstar since XXXX 2013. Since that time, I have received revision to my monthly payments based on changes in taxes, the value of the property, and the balance of my escrow account. Last week, I received a notice from Nationstar that they were again revising our monthly payments based on a dis-balance in our Escrow account. This is all well and good, but the disconcerting fact was that they were raising my monthly mortgage payments by {$600.00}. Even worse was the fact that I was receiving less than 30 days notice as the new payments would be in effect starting XXXX XXXX. Upon further investigation, I discovered that the majority of the increase was due to a dis-balance in the Escrow account. Apparently, Nationstar had anticipated county tax for the to be around {$500.00} but the actual amount was around {$2000.00}. How could they not have accounted for such a huge discrepancy? Either their analysts are highly incompetent or ( which is more likely the case ) they intentionally lowballed Escrow payments the first year so that we would sign with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Bepensa Capital, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/XXXX I was instructed by XXXX real to sell my car to XXXX and pay the difference as a secondary option instead of surrendering the vehicle. Receiving the quote from XXXX and filling out documents to sell the car, I was told that the associate of sales at XXXX, by the name of XXXX, was giving the loan company an issue, finalizing the sale. XXXX XXXX then pick up the vehicle and sold it to an auction company only to leave me with the remaining debt and no vehicle. 
I have repeatedly called them and received no help in regards to this matter. On XX/XX/XXXX I called and spoke with an associate who took my information and reassured me that I would get a call back from the gentleman who handled the purchasing of the vehicle and selling of the vehicle with XXXX. On XX/XX/XXXX I called back again to gain further information on why this debt is still being reported. I spoke with XXXX in the title department and received a call back from XXXX stating that the car was repossessed because I refused to sign a release form with XXXX, which is completely false. My information was sold to another debt company and and is being reflected falsely on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had attempted to submit payments to this company several times through online bill payer, totalling XXXX different instances. I 'd even called to check the amounts being requested prior to making payments. Each time I 'd asked why my payments were returned an the reps were unable to advise me of why. I 'd requested to speak with a supervisor an the supervisor began to insult me stating that I had n't infact spoken with anyone and maybe I spoke with the automated system and believed I was speaking with an actual rep. I advised him of the many times I had spoken with reps an he told me he had no record of conversations nor payments. The supervisor then stated that my final payment would of been returned as the demand had now expired. I then called back to speak with my relationship manager to try an understand wgat exactly was going on however I was only transferred to a voicemail. I left a message and still no call was returned. I then called back a few days later and was transferred directly to the account manager. The account manager was rude, over talked me an when requested his supervisor, blind transferred me over to his voicemail. I left a message for the account managers supervisor who I have yet to receive a call back from. All I 've wanted to do is pay my account and bring it current so that I may keep my families home. This company has been awful, an just down right rude. The employees ar n't very knowledgeable. Not to mention there are no notes to the many detailed conversations nor payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. Both XXXX and XXXX report no late payments. XXXX reports 5 late payments. XXXX has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XXXX/XXXX/XXXX. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted 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 2023-09-28
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  amount {$880.00} XX/XX/. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
Despite the multiple previous written requests, the unverified this 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 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX XXXX Account number - XXXX this account is not mine I disputed off my credit report and it came back as verified I asked for the original contract and they did not provide me with the original contract and I have proof that it is not correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a new XXXX toyota XXXX minivan From XXXX XXXX XXXX toyota in california in XXXX. Yup when I purchased the Van. I also purchased a 10 year 100000 mile. Extended warranty from Toyota financial services. in XX/XX/XXXX I moved to Hawaii with my Van. and XX/XX/XXXX the Van to the dealer because the sound system stopped working. The dealer told me the amplifier needed to be replaced and ordered parts, but the parts were on back order. every 2 months or so. I've checked with the dealer. Only to hear the same reply that the parts are still backordered. I have now contacted Toyota Brand Engagement to try and get a resolution. Toyota brand engagement tells me they only deal with cars in North America. I am now left with a car with no sound system and no apparent revolution for the repair. So I have requested Toyota refund. The cost of the warranty plus some additional amount to compensate me for. The trouble i've been through.

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

Complaint:
On XX/XX/ they have stole my identity. I have uploaded a court document. They also said they verify this information by the court.

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 2023-09-21
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX spoke to XXXX and was told i would be refunded the amount of my purchase within 5 business days. This never happened, filed a claim with truist and nothing has still happened. Provided documentation showing XXXX said refund would be on with 5 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: DISCOVER BANK
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
discover request tax documents due to routine identity verification. 

called into discover to get this issue immediately resolved as to i dont file taxes, was told to file a form at the local bank and have notarized, i was sent the form, and i saw where there was only ONE SPOT TO ENTER ONE ACCOUNT. and i explained i have TWO WITH THE SAME BANK. and was told to just combine and upload both statements. 


which i did. 


i was then told that the paper the bank filed out was improper to have it resubmitted, and i did this, now the second time, and i uploaded my statements again! now XXXX bank statements which clearly back my verification of income and identity, than i was told that the employee that told me this information about combining accounts was incorrect and that i was now out of time and my account was to set to be closed but i could go to the bank OR A UPS STORE NOW FOR THE third time and just upload XXXX set of bank statements for XXXX account. which i did. 


now my account is closed and getting no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
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 identity theft please remove this fraud inquiry 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 2023-12-12
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
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 express my deep concern regarding the persistent existence of fraudulent accounts on my credit report despite my repeated attempts to address this matter through your dispute resolution process. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I have previously reported the presence of these fraudulent accounts and have escalated the matter several times since then. However, to my dismay, these accounts continue to appear on my credit report, negatively impacting my credit score and financial well-being.

Despite providing clear and compelling evidence of the fraudulent activity, the persistent inclusion of these accounts on my credit report calls into question the effectiveness of the bureau 's dispute resolution process. 
I understand the importance of maintaining accurate and reliable credit reports and trust that you share my commitment to rectifying this matter urgently. I kindly request that you conduct a thorough investigation into these fraudulent accounts and take immediate action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: WI
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Block, Inc.
State: IL
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:
I've noticed that there was a debt with Afterpay under my name and I've never had them nor heard of them. I am a true victim of Identity theft. I've filed police reports as well. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXXXXXX XXXX XXXX regulations, I demand that this above mentioned account be permanently removed from my XXXX XXXX XXXX Thank you in advance for your WILLFUL rectifying of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Foris DAX, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had problems when I tried to set up XXXX wallet on crypto.com. It says i failed to set the account and then no way to get my noney out of the digital wallet. The company asked for my address prood, SSN and ID. I sent all details and thwn they issued me a ticket ( docket ) to resolve the issue. This was back in XX/XX/. The issued ticket number is XXXX. Since thwn I am following up and they sent me mails saying they are working on it a d asking my comments about their service abd nothing happens. 
I even tried on their live chat abd still couldnt get any help.

Company response to consumer: Closed with explanation