BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: LEXISNEXIS
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was with XXXX auto insurance for more than 10 years. On or about XX/XX/XXXX, I switched carriers. Out of what appeared to be retaliation, XXXX suddenly reported information to Lexis Nexis that should not have been included on my report. This information included breakdown and tow truck charges from years prior that was suddenly listed in the claims section of my report. I have ( never ) been at fault for any accidents, but the " no faults '' were suddenly removed from those claims. The claims report also showed a pay out that I never received for a non fault accident that took place on XX/XX/XXXX. 
When I contacted XXXX, they would keep me on hold for more than an hour. Sometimes the representatives would even hang up without assisting me. Certain employees from the company would also give inaccurate statements to the Insurance Commissioner regarding my complaint. XXXX finally admitted fault and informed me and the commissioner that updates would be made on my Lexis Nexis report. 
I contacted Lexis Nexis numerous times. Their representatives would also hang up on me, or keep me on hold until I was forced to disconnect. Other representatives " claimed '' to not be able to identify me with the same information I had always given. It has been almost a year and I still haven't received an ( updated ) XXXX XXXX report. The agency verbally stated that changes were made but I still don't have any proof in hand that shows any corrections were made. After ten months of repeated requests, the agency is still furnishing old reports with errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This car was repossessed in XXXX... This finance company still has it open on my credit report for the full amount as well as late payments for every month since XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: Self Financial Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : Response to CFPB Complaint Case # XXXX Dear Self Financial Team, I hope this letter finds you well. I am writing in response to your communication dated XX/XX/XXXX, regarding my recent complaint filed through the Consumer Financial Protection Bureau ( CFPB ) and your findings regarding my credit report. I appreciate your prompt response ; however, I respectfully disagree with the conclusions you have presented. 

In your response, you have stated that the information provided to the credit reporting agencies is only what is allowed by the Fair Credit Reporting Act ( FCRA ) and outlined in the XXXX XXXX guidelines. I kindly request that you provide documented proof to support this claim, as it is critical to my understanding of the reporting guidelines. 

You mentioned that late payments are not considered transactions or experiences between the customer and the entities making the report. If late payments are not categorized as transactions or experiences, could you please clarify how these late payments are defined? It is essential that I understand the classification of late payments to assess their impact on my credit report. 

Furthermore, you stated that late payments are permitted to be reported if the consumer account is 30 or more days past due. I would appreciate it if you could provide legal references and documentation to support this assertion, particularly in relation to the specific provisions of the FCRA and XXXX XXXX compliance. 

My dispute centers on the Fair Credit Reporting Act ( FCRA ) and, specifically, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ), which clearly states that the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. It is my firm belief that the reporting of these transactions to my consumer report is in direct violation of the FCRA and XXXX compliance. 

Additionally, I have observed inconsistencies in the reporting of the account opening date for my Self account. It was reported as XX/XX/XXXX to XXXX and XX/XX/XXXX to XXXX and XXXX. These discrepancies not only contradict legal requirements but also violate 15 U.S. Code 1666b, which mandates that creditors must adopt reasonable procedures to ensure timely delivery of periodic statements to the consumer. 

Your inaccurate reporting of transactions has further exacerbated my concerns. For example, in XX/XX/XXXX, you reported to XXXX that a payment was made on time, but it was reported as late to XXXX. Similarly, in XX/XX/XXXX, you reported differing information to different credit reporting agencies. Such inconsistencies in reporting transactions violate 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), which explicitly excludes transactions between the consumer and the entity making the report from consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: WI
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-02-10
Company: EQUIFAX, INC.
State: WI
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I was supposed to get my California Middle Tax Refund issued in XXXX. I was told by the California Franchise Tax Board that the deposit was issued on XX/XX/XXXX in the amount of {$700.00}. I never received the card with these funds. I called the California FTB and they told me i had to deal with Money Network. I filed a dispute on XX/XX/XXXX, once I learned that there were 2 withdrawals made from the issued card. Below is the information : XX/XX/XXXX {$700.00} {$700.00} One-time Contribution from CA Middle Class Tax Refund XXXX XX/XX/XXXX ( {$400.00} ) {$290.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} ) {$690.00} ATM Withdrawal Fee XX/XX/XXXX ( {$290.00} ) {$1.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1.00} ) {$290.00} ATM Withdrawal Fee I contact money network today and was told my dispute was denied. I file a formal complaint with the company. ID # XXXX. I spoke with XXXX. I desperately need assistance with this situation.

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 2022-05-20
Company: EQUIFAX, INC.
State: GA
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:
The Credit bureaus stated Account Name and Account #, was properly investigated but how is that possible if the open dates are inaccurate, and date last reported is not accurate. This is ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 2 ( a ) : The law Clearly states the credit bureaus have 5 days to notify me from when they recieve my disputed.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
State Employee Credit Union mistakenly issued XXXX debit cards in my wife 's name on our joint checking account. She lost one of these cards but did not realize it because she still had another working debit card. Fraudulent charges were made on her card. We filed a dispute. SECU did not notify us of their response within 13 days required by the Electronic funds transfer act. SECU did not provide us with provisional credit required by the EFTA during their investigation. SECU took 60 days to investigate. SECU did not provide the documents it relied on to investigate the claim as I requested pursuant to the EFTA. SECU refuse d to return phone calls, refused to provide account information about what happened during their " investigation ''. SECU state son its website, and on the mailer when we receive new debit cards that it will notify us of any suspicious or irregular activity. Despite obvious fraudulent activity, SECU never notified us of any suspicious charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm a past wells fargo client and I was inquiring about the settlement

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 2020-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Vendor : AMAZON/CHASE On XX/XX/2020 I purchase a wrist watch by {$64.00} plus handling, shipping tax which amounted to {$78.00}. I returned the watch and on XX/XX/2020, Amazon informed that a REFUND was issued on XX/XX/2020 and watch received by vendor on XX/XX/2020. 
Please note that Amazon informed that a REFUND ( No " Gift Card '' ) was issued and CHASE debited my account for the purchase and credited it for the refund. I was satisfied knowing that my AMAZON/CHASE account was refunded. 
On XX/XX/2020 I received a letter from CHASE informing that a charge back for the same amount {$78.00} was made due that A GIFT CARD WAS ISSUED for said amount and that I used it for other purchases. ( per today XX/XX/2020 phone conversation I was informed that I used said GIFT CARD to make 3 purchases and was given the items I bought which looks they in fact were purchased. 
THE PROBLEM IS : that Amazon used to gives reward points in the purchases customers made and I though that the credit I received in the 3 purchases was for the POINTS and not for a GIFT CARD they said they issued since I ignored and was not informed of such gift cards. ( See attachment that shows a REFUND was made NOT A GIFT CARD. 
SUMMARY : Amazon should NOT ISSUED gift cards for returns but REFUND the value to whatever method of payment was used since gift card OBLIGE customer to continue purchasing. I feel deceived by the policy of AMAZON and I am DISPUTING THE CHARGE OF {$78.00} even if I unknowingly used the gift card they said issued thinking that the credits were for reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
Remove all inquiries off my report please never applied for nun of these accounts fraudulent please remove

Company response to consumer: Closed with explanation