BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: LEXISNEXIS
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have ordered my Lexis Nexis reports on XX/XX/XXXX and XX/XX/XXXX via mail and online with no success. 
On XX/XX/XXXX I have requested LEXIS NEXIS to dispute an item off my report via registered mail XXXX sent to LexisNexis Consumer Center, ATTN : FACT Act Dispute Request, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and delivered on XX/XX/XXXX at XXXX XXXX 
Lexis Nexis completely ignored my request to dispute AND remove the item in question and have sent documentation back to me stating the dispute was not requested by me. It was a complete hassle to receive a copy of my Lexis Nexis report and this was the first time they finally gave me a copy of my Lexis Nexis report. This goes against FCRA rules.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX account to XXXX XXXX at the instructions of the scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I made what was supposed to be my final online payment. They refused saying I couldn't pay it off online. That wasn't my intention, but they called my husband who doesn't handle this bills. They informed him the money would be returned about 9 days ago. I made the payment two weeks ago. I called SLS and the operator said it should be returned by Friday. It wasn't.

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 2023-05-09
Company: Chime Financial Inc
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was an unauthorized charge on my checking account from XXXX XXXX  XXXX in the amount of {$430.00}. This was for a bill that I already paid, XXXX XXXX XXXX  charged my twice. I submitted my receipt to show them that and CHIME denied my dispute without providing any reason even after requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
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'm in the process of buying my first home and I went to review my Consumer Report with Experian to make sure no inaccurate information was being unlawfully reported. 
To my surprise, there was a number of inaccurate late payments actively being reported by XXXX under account XXXX XXXX. 

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states that " transactions '' ( payment history ) and " experiences '' ( utilization ) are EXCLUDED from being reported on my Consumer Report! This is a serious violation of my rights as a consumer and has negatively impacted my ability for credit extension in order to buy my first home! 
Therefore I demand that this account be permanently UPDATED to " Paid As Agreed Never Late '' or be permanently DELETED from my Experian, XXXX, and XXXX XXXX Report immediately! 
I am also seeking damages in the amount of {$1000.00} per violation ( listed below ) against each Credit Bureau for their willful and blatant violation of my rights as a Consumer and failure to take action to cure the problem when initially reported : a. Defamation of Character b. Negligent Enablement of Identity Fraud c. Fair Debt Collections Practices Act 15 USC 1692g violations d. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n ]

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 2022-11-13
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:
I sent a letter to XXXX, Transunion and XXXX on XX/XX/2022, It been well over 30 days. I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion and XXXX have 30 days to respond to my dispute. This is a violation of my rights

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 2020-07-29
Company: Armstrong and Associates, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a telephone call from XXXX with Armstrong & Associates on my cell phone. XXXX demanded and kept demanding immediate full payment for an outstanding {$3300.00} debt. At first she didnt want to tell me anything about the alleged debt or her companys address. Then XXXX claimed that the bill was for inpatient hospitalization at University of XXXX  XXXX XXXX in 2019. I was never admitted to any hospital in 2019. I have not received a bill from XXXX for {$3300.00} for having been admitted as an inpatient in 2019. I have several doctors at XXXX that I see regularly, surely someone at XXXX would have brought such a large outstanding balance to my attention prior to this call. Or, surely it would have showed up on my credit report. I have had Mississippi XXXX with XXXX dollar copayments for approximately 5 years. Unless its an emergency, I absolutely do not 1 ) see a doctor, 2 ) have medical test or procedures, 3 ) be admitted to a hospital, nor 4 ) fill a prescription unless  Mississippi XXXX approves it first.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The account they said was mine, was : # : XXXX. I no longer have any papers that tell me what my account was 2 or 3 years ago with USAA. The following is a copy of the email I received. 



Final Notification Warning Hi ( my email address ) We sent you an alert concernig your US accunt on XXXX We are your having trouble verifying your billing details stored under your profile. We have limited your ability to use your XXXX due to mssng billi % RANng infrmation.. 

Nte : *Required information must be received within 48 hrs. 
Ntificatin Date : XXXX This will serve as last and final ntifictin for you to fix this error and avid suspensin. 

Click Here To Cntinue And Reslve Nw Thnk you, US RF D : XXXX Go Paperless Go Paprlss Review and edit your online document preferences at usaa.com. 

USAA Community Go Mobile XXXX XXXX XXXX XXXX More Please do not reply to this e-mail. 
To contact US, visit our secure contact page. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Texas XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: JPMORGAN CHASE & CO.
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from 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 2023-05-09
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 I was alerted to a drop in my credit for a delinquent payment on an auto loan that has not had a late payment in 3 years. I had auto-pay set up on the prior payment which had processed. Upon further investigation I called the company ( Golden1 Credit Union ) and was advised that the employee could remove the late payment mark on my credit score on their end due to a failure in their system. ( done at XXXX XXXX  ). It was confirmed that the automatic payment wasn't present in their system. There was also confirmed by the employee that no email would be sent to confirm said reoccurring payment. 

Upon calling back at XXXX ( to Golden1 Credit Union ) and asking for a letterhead of confirmation either mailed or emailed i was advised that the previous employee was incorrect by their standards. At this point I asked about the app and security updates which has plagued the application. Unfortunately there are no branches within decent distance so all contact has been via phone and application. Employee also enquired about phone calls that were to be sent out at 14days past due which were never received and no confirmation could be given by the employee they attempted contact. 

Also no statements have ever been sent to address on account NOR were they digitally sent. 

There was no written notice about cancelled autopayment, no phone call, nor email.

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 2021-09-05
Company: National Credit Adjusters, LLC
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been unable to use my TRUIST debit card and checking account due to it being in the negative because I was charged 21+ {$36.00} fees. I opened this account for family, personal and household use. This policy is causing my family and I great harm, risk, unnecessary expense, stress and lost of income. I spoke to a customer care representative, which transferred me to her manager who told me they were only able to refund me {$75.00}.

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 2021-09-04
Company: EQUIFAX, INC.
State: TX
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 sent three requests to investigate and send proof of inaccurate information on my credit profile on XXXX and XX/XX/XXXX and have yet to receive and proof. I am looking to purchase a house and this is preventing me from accomplishing my dream

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Servis One, Inc., Titusville, PA Branch
State: VA
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 has failed to delete files that are over 7 years aged and has failed to correct their report that shows 2 real estate mortgages. I have asked XXXX  over a dozen times to delete BSI Financial services  as the account is closed. They show 2 open real estate mortgages, which is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: AFNI INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as AFNI. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as XXXX XXXX. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
On XXXX XXXX I notice there where multiple fraudulent inquires on my consumer report. Experian is in direct violation of 15 U.S.C. 1681b. Experian was unlawfully reporting XXXX unauthorized inquiries on my consumer report. The law clearly states that you are required to have permission and written instruction from the consumer before you can furnish anything. Experian is in violation of the Fair Credit Reporting Act codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
I did not and do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with US SM BUS ADMIN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( it appeared twice on my report ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX. 
Experian was frivolously reporting unverified information, which was directly affecting my creditworthiness.

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 2023-10-25
Company: EQUIFAX, INC.
State: DC
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:
Good Afternoon : I AM A Victim Of Identity Theft/ Mail Fraud/ Internet Fraud/ And Cyber Fraud ; Whereas , A Police Report Was Submitted ; As, A FTC ( Federal Trade Commission ) Document Simultaneously. With That Said, The Enclosed Negative Accounts Are A Result Of Such ; Whereas, The Mentioned Financial Instruments ( Credit Cards, Loans, Mobile Accounts, Credit Inquiries ) ; Are Not, Of Legitimate Means, To My Identity ; And, Are Used To Acquire Credit Illegally : FRAUD ACCOUNTS : ________________________ - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Maximus Education, LLC dba Aidvantage
State: UT
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:
DEPT OF ED/AIDVANTAGE Reported XXXX late payments in XXXX  for this Education ( Student Loan ) account but, per the Federal Government ( 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 ) there were no student loan payments due in all of XXXX, making these XXXX late payments on my credit report not only inaccurate but impossible. They have declined to correct this error a total of XXXX times now, once through Aidvantage & twice through XXXX disputes. 

Incorrect payments reported as XXXX  days late XX/XX/2022 & XXXX  days late XX/XX/2022. No 30 day report is included which is also INCONSISTENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX # XXXX is reporting and doing collections illegally as XXXX XXXX is unauthorized to collect or report on my credit report in the state of 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, 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 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a dispute regarding incorrect information on my credit report to Transunion ( which was received on XX/XX/2021 ) with an inquiry to some information I wanted more information on. I submitted another dispute ( received in XXXX ) requesting for them to remove information that was incorrect from the investigation they sent me from my dispute in XXXX. Instead of removing the information they sent me from my XXXX dispute that was in conflict with the other credit bureaus, they updated the information. I don't understand how they could update information they already said was verified as accurate. In my XXXX dispute, I also requested that they send me proof of validation, which they did not.

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