BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: LEXISNEXIS
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: CBC Companies, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX, 2022 XXXX XXXXXXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX  XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX, 2022 XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX  XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXXXXXX XXXX, 2022 XX/XX/2022 XXXX XXXX XXXX XXXX, 2022 XX/XX/2022 XXXX - XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX, 2022 XX/XX/2022 XXXX  XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX unexpectedly transferred my credit card from XXXX XXXX  to Baryclds Bank this Summer. I was initially locked out of the account because my XXXX  account was originally made with a college email XXXX ), which I no longer have access to, and I was, therefore, unable to get into the new portal. Moreover, my automatic payments were not transferred. As such, the new bank charged me two {$30.00} late fees, despite trying many times to access the account to make the payment on the phone and in writing with an extremely delayed response.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sent the credit bureaus a letter asking them to verify and investigate the items on my credit report and I was told everything was correct and my updated credit reports to still shows inaccuracy and these XXXX accounts have been removed from XXXX while Transunion and XXXX will not remove them. The credit bureaus stated my account was properly investigated but how is that possible if its still not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) Reporting information with actual knowledge of errors 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-12-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I previously filed a complaint with cfpb and was found not at fault. The company sent an apology letter but still hasnt refunded my cash rewards balance and have persisted in billing and charging me interest after I payed and closed the acct and has filed negative report to credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
again attempted to make the payment of {$5600.00} and I was advised that the account is in active foreclosure. I called XXXX and was advised that they could not take my payment. Then I spoke with XXXX the Paralegal at XXXX XXXX ( my bankruptcyattorney ), who advised that Fay could accept {$5600.00}. 
When I called Fay Servicing, due to updates in their system, I was advised that they were unable to accept my payment last week, and that I needed to call back. 

Today, the representative stated that this was done on active foreclosure was processed on XX/XX/2023. I was told that a payoff quote request was needed. The quote was ordered. 

I was told that I would need to wire the funds or send via mail after the quote is received. This adds additional attorney fees and costs- unfairly. 

This is horrible! Is there anything else that we can do? 

I am prepared to pay the {$5600.00} without any additional attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XX/XX/2020 Mr. XXXX XXXX fraudulently filed : 1 ) False Police Report ( attached ) alleging bank fraud on my ( XXXX XXXX ' ) part ; 2 ) Fraudulently REVERSED all CREDIT card payments made from our joint account ( s ) and authorized payment accounts to my creditors for the entire year and in some cases, beyond one ( 1 ) year of payments ; 3 ) XXXX confessed to the above crimes in an OFFICIAL SWORN STATEMENT by and through XXXX  XXXX XXXX ( the bank that completed fraudulent reversals of payments after fraudulent claims were made by XXXX ). The sworn statement was NOTARIZED by two ( 2 ) FDIC officials and bank manager on site ( see attached ). 

Due to XXXX XXXX XXXX  crimes ( above ), his additional criminal acts include XXXX XXXX, a conviction of same, and the reason I was confidentially relocated, forced to return my vehicle ( fear of additional beatings/crime ), and I was UNAWARE of all of the financial fraud in addition to vehicle payment and return. 

Despite numerous disputes with XXXX XXXX, they continue to sabotage my credit report, cause grave financial and ongoing harm to my detriment. 

Under every clause contained in the FCRA, they are in FULL violation of my rights. 

Please help! 
Respectfully, Criminal Offender : XXXX XXXX, XXXX XXXX FLORIDA XXXX XXXX XXXX ( XXXX XXXX, XXXX, Florida ) contains partial documents ; remaining documents ALSO furnished to above creditor. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Cross Country Mortgage transfer to a third-party servicer, XXXX has report XXXX months late payment, XXXX XXXX, XXXX 2022. After several emails back and forth of providing proof of their reporting error. XX/XX/2022 was corrected. XXXX and XXXX have not been changed even though I provided banking statement proof of payment that were received by XXXX XXXX and not credited to my account. They reported to the credit bureau late payments on the XXXX of the month. I researched the XXXX XXXX  - violation that accounts should be reported with at least a XXXX delay. I have reported this to the XXXX and XXXX but have not heard back from either. I am looking to this agency to help me resolve this matter as I find that they are not following the reporting law and this is affecting me need to use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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: 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 demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Agreement with the creditor was satisfied and late payments are still showing on my report. This is Paid as agreed and the derogatory should be removed from my report. As a consumer by law this account must be deleted immediately.

This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My Checking Account was involved in fraudulent activities which included wire transfers to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported this to the bank and was unsuccessful in getting a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Chime Financial Inc
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was charged over {$200.00} on XX/XX/2023. My bill was {$26.00} and I noticed a few months later they had charged me {$220.00}. I have called Chime and disputed. I have showed them the receipt and they have denied my claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN INFORMATION SOLUTIONS INC. claims to need my authorization to proceed with my block demand. However, without my authorization and consent placed a fraud alert after receiving my FTC report dated XX/XX/XXXX. This further proves that EXPERIAN INFORMATION SOLUTIONS INC. acknowledges fraudulent activity, however ; they failed to address the points in my report within 5 business days of receiving the report on XX/XX/XXXX. EXPERIAN XXXXNFORMATION SOLUTIONS INC. does not know who I am yet they compile and furnish my nonpublic personal information without permissible purpose for their own financial gain which is inequitable for me as the consumer. I have provided and have reattached the necessary documentation for demanding a block of my information. 

In addition, the 6 fraudulent alleged accounts are not even reporting accurately. As you can see they do not have accurate payment history because payment history does not even reflect from when these alleged accounts even opened. As you can see the alleged accounts were allegedly opened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but do not have such payment history before XX/XX/XXXX. The alleged accounts based on Experian Information Solutions INC. 's rubric for payment history reports as data unavailable for the year of XXXX up until XX/XX/XXXX which proves they are reporting information that they have not validated and have no knowledge of. Then after reporting data unavailable have the alleged accounts reporting in collection and never reflects being allegedly late. In order for any account to go into collections, it would have to be late first. As you can see the alleged accounts have been reporting as closed and in collections so why is payment history still reporting to the alleged account. 

As a result of EXPERIAN INFORMATION SOLUTIONS INCs inaccurate reporting on my consumer report, I have been subjected to higher than normal interest rates and fear of applying for credit because of potential to be denied based on being portrayed as not being credit worthy.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}.

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 non-monetary relief
Consumer complaint received 2023-07-04
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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX 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