BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: LEXISNEXIS
State: LA
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:
LexisNexis is making a fortune selling their services to many company 's as a verification process. so much so that many banks and company 's rely 100 % on this as their only way to verify a customer. I have not been able to pass a verification ever. I have requested reports many times and when I did get them None of the information that is causing me to fail the verifications are on there. I have put out so much effort to fix this issue. It is causing me so much problems and is affecting me financially. For example Today I can not electronically my tax document to be processed before the deadline. My CPA uses a company called XXXX and they only use LexisNexis. So now I will have to get my tax returned Mailed to me so I a manually sign. Then mail them back and that process will take longer than I have. because the Deadline is the XXXX. I also cant ever verify with XXXX. there I have a checking account and savings account and multiple credit cards. I also have home and auto policy 's with them as well. This is getting stupid how horrible this is and I cant get anyone to help me at all. I need real help. A person that understands English has authority to fix my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied and received a Chase Bank cobranded credit card with XXXX. I registered it online with my account at Chase, in the same manner in which I registered my other Chase credit cards. As part of the registration, I set it up for automatic payment. The Chase system gave me the option, through a drop-down menu, to use the information already in their system to deduct the payment from my checking account at another institution. Apparently, the Chase system did not populate the existing information correctly for the Fairmont credit card. When it came time to process the payment, the transaction failed. This was all due to an error in the Chase system. 

As a result, Chase charge me interest for the late payment and is likely not to give me the promotional benefit which enticed me to open the account. It is also likely that they will report me to a consumer reporting agency for having a late payment. 

I talked to an individual at Chase by the name of XXXX XXXX. He was completely ill prepared to address my issue and was unable to resolve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX  : {$500.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX -- I constantly look back over this Loan. The more I look, I always find Fraud. I can't believe HUD or the attorney I hired didn't see these things. On XX/XX/XXXX, Bank of America put a Subordinate Security Insurance given to Housing and Urban Development on this Loan. This added {$14000.00} to this Loan. Payment is due payable on XX/XX/XXXX. My husband and I don't know what this is. We never saw this note. A document supposedly my husband 's signature, dated XX/XX/XXXX, was attached. This also is a blackout document with only the last 3 digit showing. FHA case no. blackout except last 4 no. XXXX. Document no. blackout except last 4 no. XXXX  The lender is under no obligation to refinance. Borrower shall make payment on XX/XX/XXXX each monthly payment of principal and interest will be XXXX this will be a part of a large monthly payment required by the security instrument that shall be applied to principal interest. THIS IS RETALIATION!!! DO HUD REALIZE!!! We have Never Miss A Mortgage Payment. XXXX XXXX XXXX. Put our mortgage in Foreclosure!! 
HUD took it out and put it in Covid-19 Forbearance. Once it expired we extended the times. WE WANT TO PAY TO HAVE AN AUDIT DONE ON THIS LOAN

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 2023-05-24
Company: Lockhart, Morris & Montgomery Inc.
State: OH
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:
XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX ( Original Creditor : 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 2023-05-08
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX details Paid off - Balance - Balance updated - Original balance {$23000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2021 Account type Auto Loan Payment summary XXXX  XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/2021 Original balance {$23000.00} Monthly payment - Last payment date XX/XX/2021 Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, MI XXXX Phone number By mail only THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX  : {$500.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX  : {$500.00} XXXX  XXXX XXXX  : {$0.00} XXXX-XXXX XXXX : {$87.00} XXXX XXXX  : {$25.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Waypoint Resource Group, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Waypoint purchased an account from XXXX. I filed XXXX XXXX  bankruptcy XX/XX/XXXX. The account went to collections in XX/XX/XXXX. The account was added to my credit report in XXXX. I contacted my attorney XXXX XXXX regarding the account. XXXX contacted waypoint  on XX/XX/XXXX to which they stated they never received notice of bankruptcy and were provided with that. The account has been disputed and waypoint will not fix this account after my XXXX dropped XXXX points because of their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank is the credit provider for the XXXX store card. XXXX  went out of business and I have not been able to payoff the account. I have tried to contact XXXX at the phone number XXXX, regarding account number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX. I have left several messages since XX/XX/2023, for them to call me back. No one has returned my call. 

Comenity is also the credit provider for my Victoria Secret account XXXX. I have tried to contact this company at XXXX to resolve this credit issue. This account has also been sent to XXXX XXXX XXXX. I have left messages, again since XX/XX/2023, for this company to return my call in order to resolve this delinquency. I have not received any calls to resolve this account. 

I have tried to reach Comenity for my account with Justice XXXX at the phone number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX for collections. I have tried to contact this company several times, to only be given the option of leaving a message. No one has returned my call. 

I am trying to repair my credit, so I may achieve my financial goals and benefit from lower interest rates. I can not get any information on these accounts in order to resolve them. The continued delinquency reporting is hurting my credit. I need help getting these accounts resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX, complained to citibank fraud department to clear an annoying fraud alert that kept popping up in online account -saying to call them. Cleared it numerous times, but the " banner '' never left. After complaining to some woman on phone who did not seem competent in her job and kept asking the same information repetitively, all my accounts were closed. 

I received letter dated XXXX XXXX for account ending XXXX that all accounts were being closed for a vague " following a recent review, Citibank has chosen to close your accounts. As stated in terms ... ..Our decision was made following the results of a review of bank information and records. '' This closure was for 8 credit cards and a bank account. 

There is no valid reason stated - just vagueness. There is nothing that I can conceive was an issue but retalitory action of this employee. Nothing was shared with me. All payments across all credit cards had been 100 % timely across entire credit report. And the relationship with Citibank has been over 5 years without any missed payment. 

Per Citibank policy and per their letter, dated XX/XX/XXXX asking for further inquire. As of XX/XX/XXXX, I have received no response. 

Not only has complaince been vague and avoiding facts, they have acted in a manner that is retalitory and likely against banking law. 

I request the someone in their legal department investigate and provide clear feedback, likely ending in the opening up of all accounts. 

In addition, I attempted to open a trust account for over $ 2million dollars in the summer of XXXX and it was a disaster. Citibank sent letter of apology and nothing was executed. They seem short staffed and ill equiped with technology to address client concerns in a timely and professional manner. There was a lack of follow up and taking of responsibility. 

In addition, they never rebated the credit card fees that I paid. I believe {$390.00} + {$95.00} + {$95.00} + {$95.00} XXXX. They stole that money without refund.

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 2015-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I called Chase Credit Card company on XX/XX/2015 that I wanted to stop any further charges from XXXX. I told them that I had originally authorized XXXX to use my credit card but now do not want any further charges from them placed on my account because I was paying them by other means. I was told a " stop pay block '' was placed and no further charges will accrue. The next billing cycle I had another {$100.00} charge from XXXX and I called Chase Credit Card company on XX/XX/2015, repeating what I told the last representative, to advise them of this unauthorized charge that I was paying by other means. The representative, XXXX, said I should have disputed the charge and that she will dispute the charge, that I will receive a letter that I have to sign and return in order to do so. I never received the letter. I received a phone call today from Chase saying that my account is past due. I opened the statement I received yesterday XX/XX/2015 and there is another charge for {$100.00} against my account. Now I am waiting for a very busy medical practice to call me back which is precisely why I simply wanted their access to my account deactived until I had another appointment with them. I have never received anything from Chase for me to sign to dispute this charge in order to stop this cycle of charges according to their rules. I would think two phone calls verbally requesting this would be sufficient. XXXX XXXX only requires one phone call to settle such matters ... for them my verbal authorization is sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 is missing that should be on the report

Complaint:
Account XXXX XXXX XXXXXXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.

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 2023-04-11
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 is missing that should be on the report

Complaint:
Account XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'd suffered a brain injury and had been given a predatory credit card. It was in the amount of $ XXXX managed to pay that back -- in full -- and yet Captial One continued to leverage on late fees, XXXX XXXX. I let them know of my injury. During that time, I was brought to a time of XXXX. While EVERY OTHER credit card was turned off, Capital One kept pyramiding. FOR AN ENTIRE YEAR, I find out. ( XX/XX/XXXX - XX/XX/XXXX ) In XXXX, having healed enough to get myself housed again, I was served. Capital One was XXXX  me for -- TO MY SHOCK -- {$300.00} from the UNSTOPPING AND UNRELENTING FEES. Now, I'm paying legal fees to defend my paycheck, of less than XXXX months, from their XXXX  and malicious actions. 

I simply can not understand how or why a company would continue with a credit card after I had told them of my brain injury and YEARS OF NON-PAYMENT due to my XXXX. There's something very wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking and savings account with Huntington on XX/XX/XXXX. I had no issue with it until in late XXXX, on XX/XX/XXXX I deposited a check that was worth {$2500.00}, which is within my mobile deposit limit and was perfectly valid. In response, without notice, Huntington closed my account entirely, leaving me with none of my money and to figure out why my card was declining on my own, even though they released the hold on my deposit days later, on XX/XX/XXXX. After reaching out to the bank over the phone and in person multiple times, it is nearly a month later, and I still do not have the money that I was entitled to, and Huntington took from me. They claim that it's in the mail, but the extensively long time Huntington took to close my account, according to the person in the bank, finished on XX/XX/XXXX, the lack of notice, the fact that the check was not " altered '' in any way, shape or form, and that I have not had access to my funds for such a long time is more than a mild inconvenience, and is an abuse of their power.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a prepaid debit card with Netspend, XXXX XXXX of 2019 i purchased a sofa online from XXXX. The sofa was damage, i contacted XXXX, They gave me back a {$250.00} dollar credit on my Netspend card. Netspend has refuse to give me access to my card and closed my account. I have called them numerous times for help with my problem.

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