BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which 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 TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: LEXISNEXIS
State: TX
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:
CFPB I have attached email filter results showing the Lexis Nexis is untrustworthy and absolutely lying about having sent an email to me on XX/XX/XXXX. This type of violation and unprofessional conduct should not be tolerated and should be considered when judging this dispute. 


in CFPB Complaint : XXXX I provided the letters from the XXXX they claim represented me in the alleged Bankruptcy. Any reasonable court or judge will accept the denial of the alleged law-firm as sufficient evident to require deletion of these records from my credit profile. 

Lexis Nexis is outrageous with their stalling and lying. They fail to properly investigate my dispute. I investigated by contacting the court and the lawfirm and both of these entities say this is not my bankruptcy. Lexis Nexis is using incompetent people who can not read or speak XXXX at the necessary level to be able to provide fair and accurate reporting nor complete proper investigations. Please read the documents and understand. Its clear that you should just delete this and stop harming me! Call the XXXX lawyer that your false record says I used. 

They constantly tell lies and evade questions. 

I have attached the identification info they requested, but these folks know my profile and know that I am who I say I am. I am exhausted with them. They need to delete this record now. If Lexis Nexis fails to delete this record and send me a copy of the report showing removal. My lawyer will be filing lawsuits against them asking for fines, emotional damage, lost of wages, heath bills, etc as compensation for the back and forth constant disputing I have had to due for years fighting this false information they keep reporting!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Finance of America Holdings LLC
State: TN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
In 2011 my husband took out a reverse mortgage with Urban Financial Group. We had 2 residences on one piece of property and it was recommended that we sub-divide the property so that each residence was separate. We did this and after completion, closed on the mortgage. The second residence was put up for sale last year and when the buyer did a title search it was found that the wrong property was on the mortgage. This was last XXXX. HUD and Urban were contacted at the time and it's now been XXXX months and the situation is still being " discussed internally '' with no positive action to fix this " error at origination ''. I have not been able to " talk '' to anyone about this, all communication has been either with my realtor or emails with HUD and Urban. HELP I need to close on this property as with the length of time it's taking the buyer might well back out

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 2023-02-15
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:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : 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 2021-08-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
On XX/XX/XXXX I returned the leased XXXX XXXX XXXX to XXXX XXXX location on XXXX XXXX XXXX XXXX Florida with required Vehicle Condition Report and was provided at end of visit form named Nissan Motor Acceptance ( NMAC ) /Infiniti Financial Service ( IFS ) Vehicle Return Receipt and Odometer Statement ( dated XX/XX/XXXX attached ). I was under the impression that IFS would remove the open status on all 3 Credit Reporting Agencies to a returned/closed status with balance. Today XX/XX/XXXX XXXX Credit Reporting summary is open with incorrect balance {$7400.00} under NMAC/IFS instead of collection status under their hired third party collection agency named XXXX XXXX XXXX ( XXXX ). I have submitted disputes to IFS Credit Bureau Mgmt Team as requested with my findings to include my financial institutions which are XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX bank statements of their posted payments ( attached ). I have disputed that my account status be updated to closed/with updated balance numerous times through XXXX Credit Agency ( attached XXXX screen shot ). But to much dismay, NMAC/IFS continues to insist account resolved by creditor without any change to remove the monthly billing {$820.00} that they show open account status with those green dots which reflects I'm in good standing with them, even as reports by NMAC/IFS since XX/XX/XXXX ( see attached XX/XX/XXXX XXXX Report ). The mistake prevented me on several occasions to be declined for re-finance and the third party collection agency XXXX name does not appear under collection column of the Credir Reporting Agencies. I did receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX which states they are allowing me 30 days to receive and review enclosed documents, at which time they XXXX intend to resume collection activities ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: JPMORGAN CHASE & CO.
State: IL
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:
Chase bank accidentally hid a new account on their side, I would go to pay the bill and the account they were referencing didn't exist on my Chase. I thought it was a mistake. I called when my credit showed a late payment and took hours to get to a technical expert to go in and physically UNHIDE my account on the Chase side. They removed the late payment and late fee in XXXX, then the late payment showed up in XXXX again. Their " Credit Specialist '' is unwilling to help, which is unacceptable. I have never made a late payment, and expect their TEAM to fix the misreported item. I am currently removing all my funds from CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/23 my credit card number was used for fraudulent transactions. Many transactions occurred on this date and the credit card company reversed them all. Eventually though XXXX charges for XXXX XXXX appeared back on the card. 

I have called many times and they have credit the money back XXXX  times in total but every time eventually the charges reappear. There appears to be no escalation path to Chase which will allow me to resolve this matter so I am trying here. Below is the series of debits and credits for the three fraudulent transactions ( keep in mind all stemming from the same transaction where I call and complain and they credit back and then debit again without notification ) The amounts fraudulently charged are as follows : XX/XX/23 : XXXX  XXXX XXXX : {$550.00} XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX : {$79.00} I didn't make these charges. I've never had business with XXXX XXXX XXXX. Remember that there were many other fraudulent charges from that day that were immediately removed - why they insist on not removing these is beyond me but it has been at least XXXX calls and we are not making any progress!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/XXXX2023, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$610.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/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

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 2021-08-02
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted dispute letters via USPS with XXXX, TransUnion and XXXX  to verify collection accounts opened in my name. I have not done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. It has been more than 30 days and I've yet to receive a 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 2021-08-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, FL. When I got my car, nowhere was I informed about my right to recision and according to 15 U.S.C 1635 ( a ) I was supposed to be notified and my alleged contract doesn't state that, which makes this fraudulent. Also, the finance charge is supposed to be the sum of all charges, however, per this alleged contract, I was charged more, which is a violation of 15 U.S.C 1605. On top of all of the nonsense in the contract, Hyundai Capital America even repossessed my car, after I sent them a cease and desist and a affidavit of truth back in XXXX, XXXX which is a violation of 15 U.S.C 1692f by Hyundai using unfair practices. 

I sent Hyundai Capital America yet another affidavit of truth that was received and signed on XX/XX/XXXX which has still gone unrebutted and unanswered, therefore this means my statement will stand as truth in the court of law.

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 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 I called to file a claim ( claim number XXXX ) for missed transactions for a previous claim that had been closed and resolved in my favor. My claim was denied five or six times for the same reason, saying I had missed transactions in-between the dates I was disputing. In XX/XX/XXXX I called and filed a new claim to fix the excuse for the denial, within a month the XXXX claim was closed and resolved in my favor. The claim filed in XX/XX/XXXX was denied and after XXXX they decided to start coming up with other excuses. Not only did they lie or give me random excuses time after time but hey would go past the timeframe they would give me of XXXX XXXX business days, at times going well over XXXX business days. When I filed the claim I was clear about how and why I was filling it. Told them it was a new claim for transactions I had missed on a closed and resolved claim, I was also clear that at the time the transactions happed I had my card but when filing the claim in XXXX I no longer had it as it was an older card that was replaced in the initial claim first claim.

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 2021-06-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have reached out to Experian several times in regards to this inaccurate reporting and they keep sending me letters stating account has been verified. However how can this account be verified when this is a charge-off reporting as open? This is a direct violation of my rights due to inaccurate reporting after they have supposedly conducted an investigation claiming everything is 100 % accurate. They are also reaging this account another violation of FCRA 623 ( 5 ). I demand this account be deleted immediately. It is your duty to make sure they are following the law and attached is the proof of the violations.

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 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief