BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: LEXISNEXIS
State: AK
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:
XX/XX/2021, I wrote to LexisNexis to request all information they have about me. I got a letter in return, with my name spelled incorrectly, that stated " we are unable to authenticate your identity and therefore can not process your request ''. 

XX/XX/2021, I wrote to LexisNexis, again requesting all information they have about me and included a photocopy of both my USA passport and Alaska drivers license. I got a letter in return, that again stated " we are unable to authenticate your identity and therefore can not process your request ''. This letter has two numbers listed : consumer number XXXX, and case number XXXX. 

XX/XX/2021, I called the number listed for LexisNexis : XXXX. I was asked for my date of birth. I asked the person that asked me for my date of birth if she was currently in the USA. She said no, but there was an office in XXXX. I asked if she was a citizen of the USA. She said no. 

So here are the problems : This company, LexisNexis : 1 ) is fishing for all of my personal information that it does not yet have 2 ) is employing non USA citizens and entrusting them with my personal information 3 ) will not give me, despite multiple requests, the information they have about me This looks like a big scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX, 2023 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; As a consumer, I am demanding a deletion of ALL inquiries listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It is now approximately 2 months since my checking account was closed due in fact from Chase Bank failing me and my account being compromised. 
My account was frozen and closed with a balance of {$3000.00}. And received a letter that I should receive the balance in a check via mail. I come to find that I only received one check in the amount of {$1800.00}. After several weeks believing that perhaps I would receive another separate check. After contacting the bank regarding the remainder of the balance I come to find that the bank has placed the other check on hold in the amount of {$1200.00}. I have exhausted all attempts to retrieve my money. It is now 2 months! I will seek legal alternatives in this matter if I do not retrieve these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: CA
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 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. State i have the right to privacy.

15 U.S.C 1681 Section 604 A Sections 2 : 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 explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 of 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 2023-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me XXXX and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed this bankruptcy on my credit file several times. I asked how was the information on my bankruptcy verified. The credit bureaus XXXX and Transunion responded that they verified these bankruptcies with the court. I sent the court a letter asking how do they verify information with the credit bureaus. They responded and said that they dont not verify information with the credit bureaus or any entity for that matter. The courts response is also included in this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: I.C. System, Inc.
State: MD
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:
Shortly after my XXXX were born in XX/XX/2018, I took them to XXXX XXXX for a pediatrician appointment. I had health insurance at the time, but when XXXX XXXX submitted the claim for payment, the claim was rejected as the insurer indicated I was not covered. I cleared up this issue with the insurer ( I was covered ) and the health insurer requested that XXXX XXXX resubmit the claim. XXXX XXXX refused to re-submit the claim. I resubmitted the claim myself but the insurer insisted that the provider resubmit it. XXXX XXXX again refused. 

The claim was apparently sold the receivable to IC Systems, who reported 2 claims for {$450.00} to XXXX ( there was only ever 1 claim ). I disputed these claims with XXXX and they were removed. Once removed from XXXX, IC Systems then reported 2 claims for {$450.00} ( again only ever 1 claim ) to XXXX. I disputed the claims with XXXX XXXX has apparently rejected the dispute. However, they did not issue a rejection notice - only a notice that they have updated the claim with new information. It appears they only updated the expiration date of the negative report, but it is unclear as there was no explanation provided

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 2022-03-31
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Timetable In XX/XX/XXXX Chase mailed us a new replacement credit card for our current one that would be expiring soon. Chase acknowledges there was no notification it was being sent to us via first class mail. 

We were unaware of the issuing of the replacement card until we received our Chase Credit Card Statement for the period XX/XX/XXXX to XX/XX/XXXX. 

On the above-mentioned statement, I saw multiple charges that I knew werent mine, as each of them occurred outside our area in XXXXXXXX XXXX ( See attached Chase statement ). It defies all logic as to why I would go to a faraway XXXX XXXX, for instance, ( among other fraudulent charges ) rather than to the locations near us, as I have done in the past. These locations include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite the distant locations, Chase was repeatedly insistent that these were valid transactions simply because the card was swiped, and they wouldnt acknowledge the fact that if we never received the card in the first place, someone else was swiping it elsewhere. 

Every fraudulent charge occurred after the mailing of this replacement for our original card. 

EVERY ONE OF THESE CHARGES occurred between the time Chase mailed this card ( which we never received ) and the time of receipt of the statement that reflected these charges. 

When I initially reported these fraudulent charges, I was asked by a Chase representative if I had ever received this card. I informed this representative that I had not. 

When I inquired if the replacement card had a new expiration date embedded in the chip, they did not have an answer. Each fraudulent charge was made with the new replacement card. 

I was issued a new card ( which we currently use ), which I activated on XX/XX/XXXX. 

Despite multiple phone calls the Chase Fraud Department, they refused to acknowledge that these claims were fraudulent. To quote their resolution : Our latest review confirms the previous finding that the transactions were valid. ( See attached correspondence from Chase Fraud Dept. ) Please note : in this correspondence they do not acknowledge : a. We never received the card that was swiped for these charges b. That the fraudulent charges all occurred since they mailed out the card to replace the soon to be expiring card c. That these locations are far away from us including XXXX XXXX around the country d. We were in XXXX at the time of these out of state expenses, as shown by other charges on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX  XXXX {$1600.00}, XXXX  XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX 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
Consumer complaint received 2021-05-13
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
ANOTHER CLASS ACTION AGAINST WELLS FARGO COMING : YOUR MONEY IS NOT SAFE. 
45 years Wells Fargo account holder. 
Inadvertently, without warning they froze my assets and closed my business accounts. The only explanation given to my business partner via telephone recorded call from a Wells Fargo executive was the following " You must be collateral damage from the account holder 's illegal actions ( XXXX XXXX XXXX ) implying I am conducting ilegal or fraudulent activity. I believe this comment was racially motivated. 
As a business owner ( XXXX XXXX ) my accounts were closed right at the time we pay the payroll bonuses etc. as well as receive direct deposits from future patients scheduled for surgery creating a real severe financial hardship on the company with this arbitrary decision with NO WARNING. 
I wire XXXX every two weeks to XXXX to fund the Hospital operation. I have been wiring money for the past 15 years. They know my business depends on these funds. 
I believe I am also a victim of racism as they clearly know Im XXXX and these funds are going to XXXX. ( My hospital is globally known and is recognized by US institutions including the UC health system ) XXXX XXXX dollars of assets frozen which paralyzed my business. 
I am seeking legal council as I have detected a longstanding customer abuse from Wells Fargo. 
ANOTHER CLASS ACTION AGAINST WELLS FARGO COMING : YOUR MONEY IS NOT SAFE. 
45 years Wells Fargo account holder. 
Inadvertently, without warning they froze my assets and closed my business accounts. The only explanation given to my business partner via telephone recorded call : " You must be collateral damage from the account holder ( XXXX XXXX XXXX ) implying I am conducting ilegal or fraudulent activity. 
As a business owner ( XXXX XXXX ) my accounts were closed right at the time we pay the payroll bonuses etc. as well as receive direct deposits from future patients scheduled for surgery creating a real severe financial hardship on the company with this arbitrary decision with NO WARNING. 
I am seeking legal council as I have detected a longstanding customer abuse from Wells Fargo. 

XXXX XXXX XXXX XXXX, FACS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX de XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX California , XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX , XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX XXXX XXXX, Ext XXXX XXXX XXXX XXXXXXXX

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$750.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$750.00} XXXX 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 explanation
Consumer complaint received 2022-03-31
Company: C/C Financial
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 previously had an account with Preferred Lease which I paid off in full XXXX month now. They have reported to XXXX XXXX and XXXX that I still have a balance of {$7000.00} balance on this account when the total account was paid in full. I have called their office on XXXX occasions and was told that I They have not updated to the Bureau as yet. I explained to them that I am currently in the process of purchasing a house and I need this information to be updated so my loan officer can pull my credit report. They are saying I have to wait 30 to 60 days. During the time I was making payments on my account, they reported to the Credit Bureau every month. I should not have to wait 60 days for them to report a pay off. I have a 100 % on time payment history with this company. Never late. This updated information is needed now for them to lock my rate in. I should not have to wait and miss an opportunity for a goos rate because their office is not efficient.

Company response to consumer: Closed with explanation