BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: LEXISNEXIS
State: OH
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 challenged the validity of an alleged bankruptcy on my credit report with all XXXX bureaus. All XXXX bureaus verified the alleged bankruptcy as valid. I then sent a letter to the court house where the bankruptcy was housed. In the letter to the courthouse I stated that according to my report there is an alleged bankruptcy on my record from your court house. Are you subscribed to the bureaus that is reporting the information as accurate. The courthouse sent me back a letter stating they are not subscribed to the bureaus to have any information placed on my report. It was not validated through them. A follow up investigation led to the bureaus stating they verified the information through Lexis Nexis. I sent a letter, which is attached, to Lexis Nexis specifically asking for what documents they had to verify the alleged bankruptcy. I received a letter from Lexis Nexis, which is attached. The dispute statement was inaccurate. There was no information given on what procedures or documentation was used to verify the alleged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions 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:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
unauthorized use of my credit 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 explanation
Consumer complaint received 2021-02-06
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
account was open do to identity theft i flied a identity theft report with the county police

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 2023-11-06
Company: Experian Information Solutions Inc.
State: AZ
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : 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 2023-10-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to bring to your attention several discrepancies and instances of improper use in my credit report. As a responsible consumer, I am concerned about the integrity and accuracy of the information contained in my credit file. 

I have recently reviewed my credit report from your agency and have identified issues. 
I request that you investigate these discrepancies and rectify any inaccuracies promptly. My credit report should reflect accurate and up-to-date information, and these discrepancies are negatively affecting my creditworthiness. 

I also want to bring to your attention the improper use of my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). They accessed my credit report without my explicit authorization, and I would like this matter to be thoroughly investigated and any necessary action taken to rectify this situation. 

Please inform me of the steps you intend to take to address these issues and provide me with a written explanation of your findings once the investigations are complete. I am relying on your cooperation to resolve these matters promptly. I enclosed all documents I appreciate your prompt attention to this matter. I expect a response within the legal time frame as stipulated by the FCRA.

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 2023-11-04
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I went to the gas station to get gas using my Chime card and it was declined twice and I was told that I had to wait 24 hours to get my refund. I waited 24 hours and the next day I XXXX searched Chime customer service number and called. I believed that I was speaking to a representative. The person had me download an app called XXXX and that he needed to visually see the transaction, And to confirm that there was nothing wrong with my account. I was sitting right beside my wife and he requested {$250.00}. From her for " URGENT NEED ''. He shifted numbers and a few dollars around for a few minutes saying that there didn't appear to be anything wrong with the account, then took everything out of my savings account switched it to my checking account and was gone. I've filed 5 complaints regarding this matter with Chime and they see nothing wrong however they can see that I never made that transaction or authorized any such transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX, XXXX, I received an offer of 1 % bonus for deposit upto {$50000.00} if I kept deposit for 3 months. ( refer to pages XXXX of XXXX and XXXX of XXXX in uploaded documents ). I deposited {$50000.00} on XXXX XX/XX/XXXX. By XX/XX/XXXX my bonus was to be deposited in my account. Not having received any bonus until XX/XX/XXXX, I called up customer service and was told that we will review the matter and get back to you. After about XXXX month I inquired again and was told that matter is still being reviewed. I Was also told that there is no specific date by which the review will be finished. Since then, I inquired XXXX more times and each time was told that matter will be escalated to higher level. I was also told that there is no way I can talk to any higher decision making authority. By now it had been XXXX months beyond promised date and it began to smell more like scam so I decided to involve CFPB in the matter.

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 monetary relief
Consumer complaint received 2022-09-27
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. I was going through my records & noticed many ACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these accounts as soon as possible. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: HANCOCK WHITNEY BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was looking for small loan about $ XXXX and ask about construction to mortgage loans and what the cost would be. I called XXXX XXXX on XX/XX/2021 and asked about mortgage products and mortgage to construction loan. I gave her my information and told her that I put in my offer on the land the day before. XXXX the lender said that she has no time for her and that she wouldnt approve me at all and then called the listing agent for the lot I submitted an offer on and told the listing agent that they should not sell to me because i could be qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account at a Bank of America branch on XX/XX/XXXX with an opening cash deposit of {$1000.00}. I initiated a wire transfer from my previous out of state bank for {$8700.00} since I no longer have easy access to their locations. I then linked my XXXX XXXX XXXX account to Bank of America so that I could transfer money from XXXX to Bank of America. Knowing that BOA has physical locations, the goal was to have BOA as our primary bank account to be able to deposit cash, use ATMs, etc. 

After the XXXX account was successfully linked, I set up a transfer for {$10000.00} on XX/XX/XXXX which showed as cleared on XX/XX/XXXX. On XX/XX/XXXX, I saw my first of XXXX transactions listed as having insufficient funds. The totals for these insufficient charges were {$0.00}, {$0.00}, and {$20.00}. Seeing as I had {$9400.00} in my account at the time, I called BOA to see why it said I had insufficient funds. They told me that my account had been restricted because they couldn't verify my identity and the validity of the XXXX account which I used to transfer {$10000.00}. They said they emailed me on XX/XX/XXXX but after checking my inbox, spam, and trash folders, I haven't seen anything. 

I've given them the customer service number for XXXX which they said they've called but have been unable to reach someone. Since they can't confirm the account, my BOA account has a restriction and I have no way of accessing my money. They can't give me any updates and say that I have to call back every day for an update. Otherwise, the restriction will be lifted after 30 days. They won't allow me to speak to the person handling my case. I even offered to call XXXX to see if they could have an agent call BOA but BOA said the only way to get the restriction lifted is if they can call XXXX and speak to someone. I have no way of verifying if they've actually called. Thankfully I still have enough money to cover bills in my XXXX account but the fact that I can't access any money in my BOA account, especially given that I verified the account online and the wire transfer cleared, is unacceptable.

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 monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account number # XXXX, XXXXXXXX XXXX account number XXXX XXXX XXXX account number XXXX, XXXX account numbers XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-10-29
Company: Experian Information Solutions Inc.
State: OR
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXXXXXX XXXX OR XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : 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 explanation
Consumer complaint received 2023-12-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter on XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX, saying a judgement for {$1000.00} is dormant and can not be enforced but in the near future, likely within the next 60 days, his office will file a motion to substitute appearance of councel and a motion to XXXX  judgement. They are claiming the judgement is from is from XX/XX/2016. I sent a verification of debt letter via certified mail on XXXX, the tracking is XXXX XXXX XXXX XXXX XXXX. It says delivered to a XXXX XXXX XXXX XXXX but XXXX  I got the letter returned to me, 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 2021-07-08
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:
This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America opened a XXXX XXXX checking account for me without my permission or request. This account has a monthly maintenance fee that I never sought to sign up for. I have called several times to address this and they still have not resolved the issue.

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 2023-05-23
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The State of Florida 's Homeowner Assistance Fund XXXX XXXX XXXX  has been paying my mortgage directly to Cross Country Mortgage since XX/XX/2022. In XXXX, I started receiving calls and notices that my mortgage payment was late. I called the State of Florida 's DEO Homeowner Assistance Fund Team, who informed me that my payment was sent as normal. I called Cross Country and the State of Florida numerous times trying to resolve this to no avail. I made a direct payment to Cross Country for the past due mortgage payment to try and make sure that my credit wasn't affected by this issue between the State of Florida and Cross Country. Subsequently, I again started getting calls about my payment for XXXX being late. I again placed several calls to both the State of Florida and Cross Country. Cross Country indicated that they were aware of some issue, but couldn't elaborate. After continuing to call and research this problem I was made aware that Cross Country changed their mortgage servicer to a company called XXXX. I called their number, which rang through to Cross Country. I was told by them that the servicer wasn't the issue, and to ask the State again for information. When I called the State back, she indicated that they were having issues with ALL Cross Country mortgage payments that they are making on behalf of claimants, and told me that they even had an all staff meeting to discuss. I was last told that this was being escalated by the State of Florida to some form of outreach to Cross Country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: OR
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry : 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 explanation