BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Bank and XXXX responded on a cfpb report stating they did not provide the reporting therefore based on XXXX XXXX Bank and XXXX response i demand account get deleted from my Chexsystems file ASAP See the cfpb cover page with cfpb number screenshot As XXXX XXXXXXXX XXXX And XXXX to provide the report and response

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon receiving notifications in my credit monitoring system, I discovered an abundance of inquiries that I am unfamiliar with. These inquiries are not associated with me, and thus, I did not provide my consent for them. This situation constitutes a violation of 15 USC 1681 B : Permissible of Consumer Reports, and I kindly request their immediate removal.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act ( XXXX  XXXX accounts ; XXXX, XXXX, XXXX XXXX account XXXX in XXXX, XXXX XXXX XXXX XXXX acct 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 has violated my rights. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

15 U.S.C 1681 section 604A. 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 non-monetary relief
Consumer complaint received 2023-05-11
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:
I had my personal information exposed in several data breaches including the XXXX data breach, the Equifax data breach and the XXXX XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern you're reporting XXXX XXXX XXXX account XXXX as an open account Which is not under FCRA Compliance, this is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: BSI Financial Holdings, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX sold the deferred amount of {$95000.00} to BSI, but are not deducting the sold amount from the retained amount when reporting to the credit bureau. My statement balance with XXXX XXXX is {$310000.00}, but XXXXXXXX XXXX  is falsely reporting {$410000.00} to the credit bureau to include the {$95000.00} they sold to BSI. The issue is that I'm making payments to BSI so XXXX XXXX is not reducing the {$95000.00} as I make payments towards the deferred amount sold to BSI. XXXX XXXX XXXX reason is that BSI is not making them aware of my payments to BSI. Since XXXX XXXX has decided to report the {$95000.00}, which no longer belongs to them, they are responsible for reporting the correct amount therefore should do their due diligence to achieve updated information from BSI each and every time that they report my balance to the credit agencies. As I am making them aware that they are not reporting the correct balance of the deferred amount that they sold to BSI they are willfully and knowingly reporting an incorrect balances of the amount that I owe on the original deferred amount of {$95000.00} which is impacting my credit score therefore impacting interest rates offered to me. This means that there is harm if I were to file a tort claim which I am seeking legal assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Genesis FS Card Services, Inc.
State: MA
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 hope this letter finds you well. I am writing to request the removal of an account from my credit report that has been negatively impacting my credit score. 
I want to express my gratitude for your willingness to work with me to reach a settlement on these accounts. It was a challenging time for me, and I appreciate the understanding and cooperation that your team extended during the negotiation process. 

As part of our settlement agreement, I fulfilled my financial obligation by making the agreed-upon payment. Since then, I have upheld my end of the agreement by maintaining timely payments on my other financial obligations. I believe this demonstrates my commitment to improving my financial standing and taking responsibility for my credit history. 

Now that I have fulfilled the settlement agreement, I kindly request that you take the necessary steps to remove this account from my credit report. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies report accurate and up-to-date information. Given that the account in question has been settled, I kindly request that you report the updated, accurate status to the credit bureaus. This action will help me rebuild my credit and move forward with my financial goals. 

Please consider this letter as a formal request under the FCRA to investigate and update the status of this account on my credit report. I kindly request that you provide me with written confirmation once the account has been updated or removed from my credit report. 

please do not hesitate to contact me at XXXX or XXXX I appreciate your prompt attention to this matter and your cooperation in resolving this issue. I look forward to a favorable response and the timely removal of the account from my credit report. 

Thank you for your assistance in rectifying this situation and helping me work towards a better financial future. Your cooperation in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: MD
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2023-12-10
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Contacted before 8am or after 9pm

Complaint:
Dear CFPB, My name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my credit report and compensation for my time and effort in disputing it. The account in question is from Credit Systems International Inc. and it is showing on my credit report without my consent. I have no contract with Credit Systems International Inc and have given no consent for them to use my name, likeness, or credit data. XXXX XXXX sold my personal information to this company. Without permissible purpose. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like XXXX to ensure that the information they report is accurate, complete and up-to-date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), which prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my credit report and also compensate me for my time and effort in disputing it. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My identity was stolen and used by others to apply for a credit card and a bank card. Now I am stolen in TD Bank. I suspect that I am being used by others to conduct money laundering activities. However, td Bank thinks that I am not my own. I have to complain to the Federal CounciXXXX that these banks are not enough. Protect the personal information of consumers and cause serious damage to the victims!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a car back in 2019 and my interest rate was and still is 8.94 % which, according to XXXX XXXX, is higher than 75 % members with similar credit profiles. I tried refinancing after a year or two but they said it was too late already and that the rate would not have gone down so much. Another instance I had with Wells Fargo is that I opened a checking account with them as a student and they told me I dont need to have a minimum balance but they started charging me money so I closed my account with them. And having a closed account has affected my credit score according to XXXX XXXX as well. 
Also, last XXXX, I made a big payment for my car to try to pay it off faster. I then get a couple of adjustments in the balance and another transaction that said payment reversal - incorrect transactions. So I dont know if they all the money I added was added towards the car or not.

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 2023-12-10
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus ae not doing their job. 

According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. 

I have all the evidence attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: TX
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:
Ive contacted the credit companies stating that the information on my credit report is incorrect they did an investigation and it is still incorrect the accounts are XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act those accounts have violated my rights. 
15 U.S.C 1681 section 602 A section2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a loan with a company by the name of XXXX XXXX. The Loan that I had is no longer on my credit report the co-signer that I had on the loan, made a claim that it is on his credit report. The account is no longer showing up on my report, and I did indeed have a loan at XXXX. I borrowed from the loan company three times. These are the following dates. 

XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX- Opened XX/XX/XXXX Closed XX/XX/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 2023-02-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I had a set of tires put on my truck ( see work order # XXXX ) from XXXX XXXX for a total of XXXX. I paid cash for the tires ( see receipt ). in full so there is no charge or outstanding balance. However it was picked up as a charge to an old account that I once had there and reported to the credit companies in this case Equifax. I went back to XXXX XXXX and talked to their credit specialist and she was kind enough to write a letter for me stating that I did not have an outstanding account there ( please see letter from XXXX XXXX ). I reported all of this to Equifax through their Dispute Center and uploaded these documents, However when they claimed the looked into it, they are saying on my credit score and report that I still have this outstanding balance and took like 70 points off my credit score. I went back and talked to XXXX XXXX and they said they told them I did not have one, she says they are welcome to call back. I am buying a home and the hit to my credit score is terrible and I need it fixed, not to mention I plane don't owe it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: LEXISNEXIS
State: MI
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 mailed letters to The Department Of Education XXXX XXXX XXXX as well as XXXX demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding twXXXX XXXX XXXX accounts disbursed in XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I requested they correct the escrow analysis to reflect the correct taxes due. They have completed the escrow analysis and my account still shows the higher taxes due for the XX/XX/23 and XX/XX/23 payments due. I have paid a mortgage payment of {$1400.00} on XX/XX/23 and they sent me a letter stating that they can not apply the payment and that its in suspense until I pay the complete amount that they are charging me. My mortgage will be transferred to chase bank on XX/XX/23 and is currently being handled by XXXX XXXX XXXX XXXX that have told me they have taken care of the situation but the mortgage statements dont reflect the corrections to my account. Also, I live on a XXXX XXXX  property and lot # XXXX is tax exempt as you can see in the tax statement I attached. The bank is charging me {$3100.00} taxes on this property which is why the mortgage payment on XXXX and XXXX is increased and not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This Agency never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the XXXX XXXX XXXX for causing to disclose customer information of a financial institution relating to consumers.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief