BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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. 
THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Months ago I submitted a complaint to CFPB regarding the fact that there are thousands of dollars missing from my CHASE savings account from a span of almost a year. Chase got in contact with me stating they have no ideas where my checks were deposited into as they do not appear in any of my accounts, they tried to trace them but have not provided me with any information. They even checked security footage and saw me personally deposit my checks. They stopped reaching out and I am still here out of XXXX  ( XXXX ) dollars I worked hard for. I have no access to my previous deposits so now I do not know if any previous check or cash deposits cleared!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: MOHELA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
they sent me mail about repaying my student loan. I signed up and amount due on my account was not matching with what it claims in my federal student loan account ( lower ). They claimed the school newly assigned as new loan service. I got suspicious because I did not have any loan with that amount and the one i have has no interest but they had 5 % interest. when I contacted my XXXX XXXX XXXX, they said that my loan service is not them. I did not pay them or any bank information but I gave them the following information. - they already knew about my name, address - I create an account with name, email, DOB, address, info about few reference and last 4 of my social ( i don't remember if i provided the full )- I filled out the exit interview forms with above information their website : heartland.ecsi.net address : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA, XXXX phone number : XXXX organization : they have XXXX step verification, very good representative, " supervisor '', they even transferred me to my school billing department since I was convinced from their explanation attached the bill they send out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
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:
I have reviewed a recent credit report and several unauthorized inquires are reporting that were not authorized or done so by myself, I believe someone has gained access to my personal information and is actively attempting to gan credit under my personal information, due to the several amount of unauthorized inquiries it is negatively affecting my credit score and I would like for them to be removed, the following inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a customer with XXXX XXXX for some time now. I have made substantial deposits in the past, one deposit equaling up to $ XXXX with no issues. I have had no problems or issues. On XX/XX/2022 my employer mailed a check to my office, for me with my name on it to deposit for a XXXX party. I used XXXX XXXX mobile deposit like I have done in the past. The deposit confirmed and the funds were not immediately put onto the account. No worries. Later that evening I received an email stating it would take until XX/XX/2022 until the {$1000.00} funds would be available because, they had to verify it. No problem. On XX/XX/2022 I went into target to do XXXX shopping when I got to check out I swiped my card and was unable to use. Their is no one to reach over the weekends so I was without funds the entire weekend. I was unable to get presents, gas, or food for my children. The bank never called nor notified me my entire account would be froze. I was unable to log into my mobile banking account. ALL of my funds were on hold without one reason as to why. On Monday XXXX, XXXX XXXX I had to call several banks due to majority of them not answering the phone. I finally get in touch with someone at the bank in XXXX XXXX on XXXX XXXX and explain what happened. It seemed no one knew what was going on or even why my account was froze. I left from work which is time away from working to handle this. When I arrived at the bank XXXX XXXX the branch manager told me he didnt know what was going on from what he say the check wasnt fraudulent he was unaware as to why they would freeze my funds. Then, he proceeded to say my account had been closed. I asked him why is that? He wasnt sure. I asked him well sir I have over $ XXXX in both the savings and checkings can I just get my funds out of my account until youll figure out whats going on with the check. He told me they could not release any of my funds to me as my balance was at a {$0.00} on both accounts. I told him that isnt right. I asked for my money he told me there was nothing he could do. Fast forward two hours of me sitting in the parking lot of the bank I called my company and notified them of what happened. My company informed me that the check had cleared from their XXXX account on XX/XX/2022. The same day I deposited it. So why would they close my account without having any access and not even being called about what was going on if they cared or was conernced it couldve been suspicious activity. This has cause me such grief, pain, emotional distress, loss wages from work and I was unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the weekend because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights.

15 USC 1681 section 602 a states i have a right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-02-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX XXXX and I have been having problems with all XXXX credit bureaus in which it has been over XXXX days and they have failed to contact me back or reach out to me regarding some serious incorrectly reporting delinquencies on my credit report. I have attached all the following documentation with the XXXX complaints and am hoping the CFPB can help me in regarding to clearing this off my credit once and for all as after this I will look to pursue legal action as there is only so much more that I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: LEXISNEXIS
State: TX
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: Investigation took more than 30 days

Complaint:
Earlier this year, it came to my attention that there were a myriad of inaccuracies on my LexisNexis 'Comprehensive Loss Underwriting Exchange ' ( XXXX ) Report. This report is used by credit agencies and insurance companies to assess the risk level of their customers. Due to these inaccuracies, I was being assigned a higher risk category whenever I applied for credit, loans, or insurance. I have also noticed that my car insurance rate ( and rates being offered by other companies ) was inflating to an astronomical level, despite not having any history of at-fault accidents or traffic violations. 

On XX/XX/XXXX, I notified LexisNexis of my dispute in writing. I was very detailed in my written dispute. The dispute was sent by USPS Certified Mail on or about XX/XX/2021. The enclosed USPS Certified Mail Receipt shows that LexisNexis received it on XX/XX/2021 at their po box in XXXX, Georgia. 

Per the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency has thirty ( 30 ) calendar days to process a written dispute. LexisNexis may either 1. ) verify the record as 'Accurate ', or 2. ) remove the record if it can not be verified. 

Accordingly, a response was due from LexisNexis on XX/XX/2021. As of today ( XX/XX/2021 ) no response has been received. Therefore, LexisNexis has missed their statutory deadline, and is now legally obligated to make the requested changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi My name is XXXX XXXX with XXXX # XXXX. I am just writing to ask XXXX going on with your investigation, I wrote you the dispute letter over a month ago but I havent heard anything frm you. I hear you were required by the Government to respond to my request but I dont undestand why i feel like my letter was being ignored. i'm seeking all the help that I can to get these errors straightened out as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Comerica
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was XXXX  and XXXX  for XXXX 1/2months. From XX/XX/XXXX to XXXX XXXX XXXX. 
While I was XXXX  Direct Express activated a new card with a fraudulent person and allowed them to empty my account that entire time. Transaction after transaction after transaction. I was not made aware of any of this into XX/XX/XXXX when i called to have a replacement card issued. It was then that i was told my account had been accessed the entire time i was away and I also had to go through XXXX to prove that i was the actual account holder and that I needed the other card closed and i disputed everything from XXXX XXXX to now. 
I have a policy that protects me from fraud and i reported it immediately and followed all instructions. I feel like Direct Express frauded me then and now by claiming no error was made. This is about XXXX. Dollars and all the money i had to my name. Im XXXX i have XXXX XXXX I'm very XXXX. More im XXXX  now. I have no money to rent a place nor to pay utilities. No transportation. Nothing. Direct express helped a criminal fraud me for five months and then snubbed their nose to me when I'm the account holder the victim. They ruined me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19
Company: VW Credit
State: TN
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:
Several months ago, I was going to go to a job interview to see that my XXXX  XXXX was wrongfully repossessed. I had called Volkswagen to have 2 payments differed due to the COVID-19 pandemic. I called Volkswagen because I knew something didnt make sense. They listened to old phone call records to hear where the representative at Volkswagen agreed to the differed payments but never notating the account. They returned my vehicle 2 days later. 
In XXXX of XXXX, I traded that vehicle in for a XXXX XXXX where the dealership paid the remaining balance on the loan. I called that dealership on XX/XX/XXXX to confirm and they did pay the loan and the vehicle is now registered to someone else. 
On XX/XX/XXXX I tried purchasing another vehicle to learn that there is a repossession on my credit report from Volkswagen when there shouldnt be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XX/XX/2012, I co signed a loan for around {$12000.00}. I was only XXXXyears old. I has absolutely no idea a lot responsibility. The last 9 years of my life has been a struggle for me financially and credit wise. I have been trying to restore and rebuild my credit. I have not had any contact with the owner of the car in 9 years. He refused to pay the loan off. I feel that i shouldnt have to suffer any more. Its been 9 years and I still have not been able to eatablish a good credit report. Navy federal keeps updating it which makes it worse for me. Im a single mother. Im asking for a deletion please. 


I also have a car loan that was opened around XX/XX/2012 for around {$10000.00}. Which has also been charged off for over 8 years. Again I was so young, I wish that I would have been more responsible to knowing these types of things. Both of these accounts have new charged off for years. 

I recently was added as an authorized user on my husbands navy federal credit card whom has nothing to do with my past history. Navy federal closed his accounts because of my old charge offs which was not fair to my husband at all because he has no knowledge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: CO
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:
XXXX closed and removed my complete credit card history in retaliation of filing disputes of fraudulent charges in 2015. Instead of removing fraudulent charges of over XXXX occurring after I paid off the balance in full in XXXX or XXXX of 2015 with money from refinancing a mortgage, they removed my complete credit history which was in good standing and at a XXXX balance. Why would my good credit history be removed all together? 
By doing so they have caused my good credit history length to be reduced as well as the good payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I Consumer and natural person am a victim of identity theft. Experian, has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. This credit reporting agency also known as a financial institution has violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. Experian is in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which Experian failed to do this. Experian is in direct violation of 15 USC 1681b regarding permissible purposes of consumer reports, in which I have not authorized, signed or given any direct instruction for Experian to report these inaccurate and fraudulent accounts on my consumer report. Their Wilfull noncompliance which is a direct violation of 15 USC 1681n has caused me actual damages. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. Experian is in direct violated of the FCRA law 1681s-2 by not holding up to its duty when furnishing consumer reports. Experian is in direct violation of numerous laws under the FCRA and is also in direct violation of the Gramm Leach Bliley Act of 1999.

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