BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Citi about an accrued interest charge that hit my account during my financial hardship/mortgage forbearance/car payment deferral- time earlier this year when Covid issues were peaking this year. I had a 70 % loss of income and put my mortgage and car payment on forbearance. Tried to keep up with all my other accounts like this credit card current w/ min payments and put food on the table for my family with the rest until things changed. 

It seems during this crisis a past charge was due other wise accrued interest would hit my account. This put my account with a $ XXXX limit and working down to under {$3500.00} balance at a new balance of {$7000.00} and with that I have been hit with late fees and over the limit while paying the minimum balance or so I thought. 

As soon as I saw this I immediately called Citi to ask for help and that I was trying to maintain all my accounts as they could see but missed the communication about needing to pay that charge off. After much back and forth I had to ask to escalate to executive office where I could speak with someone that could help as the rep said '' oh if you would have called 10 days ago I could have helped you but no Sorry nothing I can do to help. 10 days ago? How could they want to ruin my credit dropped over 60 points when someone wants to pay them money bc of a simple oversight during some very rough times. Now I am racking up late fees and over the limit charges being harassed by phone calls that tell me I am over the limit but when I ask for help and explain my situation there is nothing that could be done. I waited a few months bc I wasn't sure where to turn or if my executive office complaint in which I was originally disconnected was in the works. Please 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

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, has 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 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 2023-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A follow suit letter was sent out to XXXX on XX/XX/23 to remove item ( XXXX ) as it was removed from the other credit bureaus. 

Ive also sent out a letter to XXXX and Experian on XX/XX/23 for method of validation of accounts named : ( XXXX & XXXX XXXX ). 

Another letter was sent out to XXXX on XX/XX/23 to remove unauthorized inquiries on my credit report. The negative items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), under federal law, the credit bureaus have 30 days to complete the investigation, with physical verification of the original signed consumer contract. Which the credit bureaus have failed to do so.

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: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, 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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1990 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : - XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX - XXXX Account # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX 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 non-monetary relief
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my reports, incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected/fixed immediately : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : 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 2022-01-03
Company: Westlake Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had XXXX  XXXX lost the phone some stole it and was calling out the country this situation been hurting my credit also I got a car that didnt even make the year it was a limon it was a XXXX charger I also got a XXXX XXXX XXXX that got missing in front of my house I had XXXX I was sending money and the account froze saying that the money was sent twice. these things hurting my credit account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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:
I'm a Customer of Nissan Infiniti LT, I have an Auto lease from them.

my account was set up on AutoPay and they were drawing the money each month automatically. the lease maturity date was on XX/XX/2021, so I called 2 times on XX/XX/2021 in order to extend the lease. Nissan approved my lease to be extended till XX/XX/2021. Since the Account was set up on AutoPay I thought they are pulling the money automatically like they did every other month during the time of the lease and since the representative on the phone didn't mention anything about the AutoPay getting canceled. I called again on XX/XX/XXXX, XXXX and I've been told that everything is ok and the representative didn't mention anything about a payment past due and he just said that everything is ok with the account. after checking my credit I noticed a late payment reported on my report for the month of XX/XX/2021. I called Nissan to check what's going on they told me that the AutoPay got canceled since the maturity date of the lease was due on XX/XX/XXXX, XXXX and therefore I'm late for over 30 days. 
I've been trying to explain to them that when I called the representative didn't mention anything about it and even when I called 2 days after the payment due date I've been told that everything is ok with the account and no action needs to be taken. 
I never had a late payment on any of my accounts I'm a very responsible person and I understand my financial obligations. please help me fix this issue ASAP. 
I'm planning to apply for a mortgage and it came to my attention that the missed payment on my record could hurt my ability to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2019, a letter was submitted to Common Wealth Financial System requesting that they verify the debt ( account ) the company has failed to provide a sign contract as requested to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, 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:
I'm deeply disappointed by the ongoing inaccuracies in my consumer file reported by ChexSystems. I want to make it clear that my legal name is XXXX XXXX XXXX XXXX, and any variations from this name need to be removed from my file. ChexSystems currently has my name listed as XXXX XXXX XXXX and, even worse, they had it as XXXX XXXX before which is completely wrong. 

Another concern is the incorrect address they have on file, specifically XXXX XXXX XXXX XXXX. This gives the false impression that I've lived at two different addresses. To set the record straight, my correct address is XXXX XXXX XXXX XXXX XXXX, FL. I've also noticed mentions of unfamiliar banks claiming I have accounts with them, and they're using addresses like " XXXX XXXX XXXX XXXXXXXX '' ChexSystems doesn't have any record of these addresses. 

I want to clarify that I'm only addressing bank-related matters separately. This letter is specifically for ChexSystems. Dealing with this situation has been really frustrating, and I'm tired of having to keep bringing it up. I expected these issues to be resolved a month ago when I sent in my driver 's license and fixed other mistakes. I did my part, but it seems like ChexSystems hasn't done theirs.

Instead of fixing things right away, they're waiting until someone complains to correct the information. This approach puts an unnecessary burden on consumers and raises concerns about our rights.

Reporting inaccurate information isn't just disappointing, it could be against the law. I'm insisting that they immediately remove any names or addresses that don't match my driver 's license. I can provide a photo of my license to prove my residency and full name.

I want to mention that I reported this issue to the Consumer Financial Protection Bureau ( CFPB ) a month ago. Despite their intervention that fixed a previous mistake, ChexSystems is still holding onto incorrect information about me. This shows a lack of commitment on their part.

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 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I deposited a check from a family member via mobile deposit on the Capital One app. The funds were supposed to be available on XX/XX/XXXX. The check caused a restriction to be placed on the account. I called on XX/XX/XXXX and the restriction was removed, but the funds will be available on XX/XX/XXXX. My rent is due on XX/XX/XXXX, and this will cause my check to not clear in time, and this is due to Capital One 's restrictions on the account. I have cashed multiple checks from the same person for varying amounts, with some also triggering fraud/verification alerts. In the previous 90 days, I have cashed checks from the same family member on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX, and XXXX XXXX. Each check I depend on for my living expenses, and I hope that Capital One notices that the same person sends checks each month for my living expenses. It is a major inconvenience to have to call to verify each and every check that I get and it has major implications on my everyday life and causes unnecessary hindrances, including late fees and threats of eviction that total more than a day 's wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: LEXISNEXIS
State: FL
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: Information that should be on the report is missing

Complaint:
To Whom It May Concern, I recently attempted to perform a 2-factor SMS verification with my bank ( XXXX XXXX The bank is unable to complete the verification and send me a confirmation text. They stated that the SMS verification system they use is called Phone Finder from Lexis Nexis. When they attempt to use the system they are unable to do so because the information associated with the number does not match my information. The bank says that the name they get from Lexis Nexis is XXXX, XXXX. My name is XXXX XXXX. I contacted Lexis Nexis to see if I could fix the information in my file and they said that new information can not be added, only inaccurate information can be disputed. They said that the information which my bank is using comes from my unofficial file which they say cant even be disputed. Lexis Nexis gave me the option to suppress my file ( Im not sure if suppressing my file would include my official and unofficial file ) but my bank informed me that doing so would make my problems with authentication worse. As it stands I now have to go to my local branch with any option as calling the bank is no longer an option due to the negligence of Lexis Nexis. Im not really sure how to proceed. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/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