BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: LEXISNEXIS
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ESCALATION OF FORMAL COMPLAINT AGAINST LEXISNEXIS FOR NON-COMPLIANCE WITH FEDERAL CREDIT REPORTING REGULATIONS. 

I am writing to escalate my complaint, originally filed on XX/XX/ ( CFPB Complaint ID : XXXX ), against LexisNexis for their failure to adhere to the mandates of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Metro 2 Compliance Guidelines. These regulations are instrumental in safeguarding the accuracy and integrity of consumer credit information. 

In response to my initial CFPB complaint, LexisNexis requested additional proof of identitya clear copy of my driver 's license or social security card, along with the most recent utility bill or credit card statement indicating my current addressin their communication dated XX/XX/. This requirement, not stipulated on their website for accessing a consumer profile or initiating a dispute, raises serious concerns about their compliance with established procedures. This discrepancy, along with their persistent refusal to grant access to my profile despite receiving all requested documents, points to a potential violation of federal laws and indicates the use of delaying tactics. 

The FCRA ( 15 U.S.C. 1681g ) explicitly guarantees consumers the right to access their credit information upon request. LexisNexis 's continual denial to provide access to my consumer profile contravenes this provision. Furthermore, their apparent disregard for the Metro 2 Compliance Guidelines, which are critical for the standardization and precision of credit reporting, compounds their non-compliance. 

The inconsistency in LexisNexis 's identity verification process, as evidenced by the conflicting requirements in their email compared to their website guidelines, suggests a breach of the FCRA and FACTAs transparency and accuracy mandates. This incongruity and the resultant delay in resolving my original complaint strongly indicate the use of stall tactics. 

Given these circumstances, I implore the CFPB to initiate a comprehensive investigation into LexisNexiss practices for compliance with the FCRA, FACTA, and the Metro 2 Compliance Guidelines. I seek an immediate correction of my consumer profile and appropriate measures against LexisNexis for their apparent non-compliance and negligent handling of consumer data. 

Enclosed, please find copies of all pertinent correspondence and documents for your review. 

I appreciate your prompt attention to this pressing matter and await your swift and decisive action to rectify these significant issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a loyal customer of HSBC for many years, however, my account was closed without any notification recently. I received their eStatement on XX/XX/2021 and was told that the account was closed on XX/XX/2021 due to no activity. I used their mobile apps occasionally to check my balance. I also have their email confirmation that they have my correct address. 
They just closed my account without any notification and turned over my money to the state abandoned property. Their excuse is that they tried to reach me with different address. However, as I mentioned that I have proof that they have my updated address. I can not believe that a bank treating their customers like this will survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
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:
I had to file XXXX XXXX bankruptcy in XX/XX/XXXX because my husband was terminated from his job and I could not pay all of the bills on my income alone. He applied for Unemployment but was denied. From XX/XX/XXXX - XX/XX/XXXX my hours were decreased due to COVID-19, and from XX/XX/XXXX - XX/XX/XXXX I had XXXX income due to me having to go on FMLA. I fell off payroll and did not receive a paycheck for months! On XX/XX/XXXX I received a call from Nissan saying they were coming to repossess my cars because my bankruptcy has been dismissed! I had NOT received any notification from the bankruptcy courts nor my attorney stating this. I received a notice from 2 different attorneys for Nissan. I did not know which one was the correct one I needed to contact. However, my bankruptcy attorney stated HE or the bankruptcy courts is ONLY supposed to communicate with all creditors once I hired him to represent me & file my XXXX XXXX, that Nissan was NOT supposed to contact me. I assumed the past due balances were included in my XXXX  XXXX fees, because my payments went from {$140.00} per month to {$400.00}!!! However, I thought my forbearance for financial hardship due to COVID, did not expire until XX/XX/XXXX. I was terminated from my job in XX/XX/XXXX & I applied for Unemployment, while waiting for a hearing date to do an appeal to try to get my job back. My household currently has no income & I need help with my car notes, mortgage, and all other bills. My XXXX  XXXX was converted to a XXXX  XXXX and the case was DISCHARGED in XX/XX/XXXX. I received notification from the bankruptcy court/trustee that a payment was sent to Nissan. However, in XX/XX/XXXX or XX/XX/XXXX XXXX sent a repo company to come get my XXXX. We were in quarantine due to a family member testing positive with COVID, and we also had a death in the family! They did not care and they sent me a paper stating although they repoed the car, I still owe them {$27000.00} ( which is MUCH higher than the blue book value )! My attorney stated the courts released and/or discharged me from ALL of my debts and they were notified. Plus, they received a payment directly from the courts that was not applied towards my loan, and was NOT refunded to me... therefore, because they did NOT give me an option to refinance the car, or pay what was past due, and they immediately came to get the car that I DO NOT owe them ANYTHING! The account is discharged/paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/XXXX, and XX/XX/XXXX, I reached out to every creditor and inquired on my credit report, I hope this letter finds you in good health. I am writing to address a matter of significant concern regarding the information on my credit report. I have contacted every company listed on my credit report and patiently waited, but unfortunately, no action has been taken to rectify the discrepancies. 

I have received correspondence from both XXXX and XXXX, confirming that adjustments were made, but the unauthorized inquiries were not removed. Specifically, I have identified a total of 66 unauthorized inquiries that were conducted without my consent, resulting in an inaccurate representation of my creditworthiness. 

To assist you in investigating this matter further, I have provided a detailed list of the inquiries in question, including the dates, company names, and the respective credit bureaus : In addition to the unauthorized inquiries, I have identified outdated accounts on my credit report, which further distorts the accuracy of my financial profile. It is imperative that these accounts be rectified promptly to ensure the integrity of my credit report. Here is a list of the outdated accounts, along with the relevant details : [ Include the list of outdated accounts with dates, amounts, and actions taken ] I kindly request that a thorough investigation be conducted to rectify the aforementioned discrepancies. I expect the unauthorized inquiries to be promptly removed, and the outdated accounts to be updated or removed from my credit report. 

Please provide me with written confirmation once these matters have been addressed and the necessary corrections have been made to my credit report. Additionally, I would appreciate any documentation or information regarding the actions taken by the credit bureau or the respective companies in response to this dispute. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been paying separate interest ( cash advance interest ) on my credit card statement each month in addition to the regular interest charged on my charge purchases. This has been going on for some time but when I look at my statement online it shows that the Cash Advance interest rate is 28.24 % just as it is for regular charge purchases 28.24 %. So I called them today, XX/XX/XXXX to inquire about what cash advance purchase was made and when because I don't recall when I have ever made a cash advance purchase with this credit card. Well after speaking with 2 customer service reps and ultimately a Supervisor they told me that this was a cash advance made in XX/XX/XXXX for {$63.00} ( over 5 years ago ). I told them that after all this time paying interest each month this balance wasn't never paid off! I most often always pay more than the minimum payment each month. Why can 's some or part of that additional payment go toward the cash advance balance. They told me the only way that {$63.00} would be paid off is if I pay the account in full, otherwise it would keep accruing interest forever more until the entire account is paid in full. This to me is bad practice. If this is the case as they say, then why would any one want to use the cash advance feature when they would have no chance of paying it off. Furthermore, even though they charge me interest on this cash advance, they avoid putting on my statement if anything has been applied nor include any information about the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
In accordance with " The Fair Credit Reporting Act XXXX '', Capital One Auto Finance on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
hello, to whom it may concern, this is an urgent matter regarding the my mortgage lender PENNYMAC lying about my loan modification request. 
At the beginning of XXXX PENNY MAC confirmed my mortgage was under review for a loan modification and now i found out they went behind my back and sold the property thru a foreclosure sale date with zero notice to my family. 

please help since PENNYMAC keeps lying about the status of my home, last conversation with PENNYMAC they told me they were going to review my application for a loan modification. 
which i knew they were lying. 

As of today received a call from a the lenders lawyer telling me i need to get out of the house immediately otherwise they will be calling the sheriff since the property was sold with no notice. 
please help me since i have a family and we have no where to go. PENNYMAC lied and tookd advantage having no where to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2019, XXXX XXXX notified me that a Major Derogatory was filed on my credit report for a collection in the amount of {$680.00}. The reported name of the creditor is : Radius Global Solution, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ; phone - XXXX. 

I do not know what this company is, nor have any contact or correspondence from them regarding a debt. Thus, I can not dispute the " debt '' with them since I have not received any billing or correspondence from them. I live in Texas and do not do business with any entity in Minnesota. 

I have not contacted the reporting company as i would have to confirm the information they have ; and since my social security number was likely stolen, I will not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: FIRST HORIZON BANK
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I reached out via XXXX in an investment group I am apart of, i got several responses. had been in communication with a person named XXXX XXXX We spoke on the phone, and text about how his process works I requesting funding for fix and flip in the amount of $ XXXX I was then asked to fill out an application, then to send over bank statements which I did, ID typical loan request, The company then sent over an agreement and text stating Once I Sent over {$1700.00} and sent them proof of wire confirmation which was done on yesterday XX/XX/2023 they would wire me $ XXXX shortly after that did happen I then was told by company they needed to make sure the funds hit their account then around XXXX XXXX the person inboxed me through whatsapp which before we were only communicating via phone or cell text. they started i needed to pay {$17000.00} insurance fee to get the funds, however they wound up sending the $ XXXX through an app called XXXX which i never heard the bank info on the agreement and where we sent the funds to was a domestic account through XXXX XXXX. once I told him i am sending any moe money he cancelled the transaction through XXXX, and then he texted me saying getting money from me was too easy and to call the fbi, he said he wasnt giving my money back although he has agreed to, I called the bank about 20 mins ago and spoke to a lady who said there was nothing they could do because the funds already left my account, I am requesting for my bank to request thefunds back from XXXX due and flag this guy as a scammer. the wire was sent to XXXX XXXX XXXX with XXXX XXXX, person name is XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The debt in question has been disputed and removed from the consumer credit reporting agency, but the Debt Collection Company has stated they DO NOT own the debt and therefore have no legal grounds to report the debt. The Debt Collection Company resubmitted the debt after removal to bypass the legal dispute process. The Debt Collection Company has submitted a balance that directly contradicts the original amount they allege the " Company '' who they said actually owns the debt was collecting. The State of Utah only allows a Debt Collection Company to bill interest if interest was included in the initial company. AUTO INSURANCE DOES NOT allow for interest and therefore would not account for the discrepancies reported to the Consumer Credit Reporting Agencies. The Debt Collection Agency has a poor track record in Complying with Debt Collection Practices and with the continued support of the Utah State Attorney General 's Office proper discipline should be taken against Caine & Weiner. Caine & Weiner as I have researched is NOT a licensed Insurance Agency in the State of Utah and as stated in the previous complaint by the Debt Collection Money is attempting to collect money for an account they do not own, but allegedly relates to an Auto Insurance Policy for Vehicles that are not owned or Registered in the debtors ' name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updates as soon as possible. I have not nor have ever received and/ or authorized the release of any goofs or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report be provided along with all pertinent information relating this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX, I filed a dispute online with each of the three major credit bureaus, disputing several items erroneously reported on my credit report. XXXX conducted a proper investigation, found those items were unable to be properly validated, and, rightly, removed all items. Transunion, however, did NOT remove three of the items which were disputed. 
On XX/XX/XXXX, I sent a letter via priority mail express to Transunion which asked them to reinvestigate AND provide all documentation showing why they believed the debt to be accurate and belonging to me. I did not hear back from them on either request for these three items within 30 days ( for the reinvestigation ) or 15 days ( for the request for documentation.. 
On XX/XX/XXXX, I sent another letter via priority mail express to Transunion notifying them of their failure to respond to the investigation request and the documentation request and requesting that they immediately delete the erroneously reported items. 
in a letter postmarked XX/XX/XXXX ( three days after the 30 day deadline ), Transunion responded with the same response I received in XXXX, no additional information or reinvestigation, and no documention. 
I have no contract with these three companies which Transunion is reporting as negative on my credit report. Transunion has failed to properly validate these items which were erroneously reported on my credit report. Transunion has failed to validate these items within the 30 day timeframe allotted by FRCA. Transunion has failed to provide documentation of validation within the 15 day timeframe allotted by FRCA. 
Please intervene on my behalf with Transunion, as these three accounts have negatively effected my credit, resulting in my family 's 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