BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: LEXISNEXIS
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:
Lexis Nexis did an unlawful excuse that they can not verify my information, but the report that I received by mail shows that Lexis Nexis didn't remove my negative reports which are being reported/shared without my consent. 

Violation : 1. 15 U.S. Code 1692d ( 1 ) - destroying my reputation 2. 18 U.S. Code 112 - attacking my liberty ( freedom ) as a XXXX national of the XXXX protected person by limiting my access to everything such as credit cards, loans, insurance, and etc because of unlawful negative reports 3. 15 U.S. Code 1692a- pretending to be a bureau. Demanding Cease and Desist to Lexis Nexis Corporation as soon as possible due to unlawful practice 4. 15 U.S. Code 1681b ( 2 ) - no consent to report and share information 5. 15 U.S. Code 1681- Fair and Accurate Report XXXX. XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX XXXX ) - failed to conduct investigation or correct erroneous credit entries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/2022 I opened a dispute with several accounts with Experian explaining that I didn't authorize the transactions. They then updated my credit profile with no resolution or change on XX/XX/2022. They are in violation of 15 US Code 1681I - Procedure in case of disputed accuracy. Their investigation was done in an improper manner. They didnt reach the right results. They left me with false credit reporting. I asked them to provide me with whom you talked to at these companies and to provide me with original credit documents and or evidence confirming that these reportings made by these companies of reference are legitimate and were validated by me. They, for the 2nd time, closed my dispute and didn't provide me with any proof and just left me with reportings again. It's already been more than 60 days and with no resolution nor did they send me anything in the mail. I am now demanding they remove it since they had more than enough time to investigate it and to provide me with what i was asking for. The companies in question are : XXXXXXXX XXXX XXXX - {$300.00} XXXX XXXX XXXX XXXX - {$610.00} XXXXXXXX XXXX XXXX - {$2600.00} XXXX XXXX XXXX XXXXi XXXX - {$300.00} XXXX XXXX XXXX  XXXX - {$990.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX- {$460.00} XXXX - {$900.00} XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$140.00} Remove them now. you are violating my rights and now its consider fraud.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified.

I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus. 
Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action. 
Thank you for your attention to this matter. 
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 2023-06-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Tried to call to company on XX/XX/XXXX XXXX got no where. It was an automated system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On the following dates XXXX and XX/XX/22, Capital one unlawfully obtained my credit report without my permission which is violation of the fair credit reporting act 15 USC 1681b. According to the FCRA as a result, Capital One is liable to me actual damage or statutory damage up to {$1000.00} and punitive damage for each inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: OH
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 fair credit reporting act XXXX  account # XXXX, account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I Have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
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:
XX/XX/XXXX  I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-11-14
Company: EQUIFAX, 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:
i contacted the credit bureaus, and started disputes online buy XXXX  wouldn't allow me to dispute, this account has just poped up on my credit files, i have been a previous victim of id theft, i have several monitoring services, and the only alert i got was when this account appeard, there isn't a inquiry either. this is strange, i have vary good credit and am displeased about it, and equifax tried to up sale me on fraud protection service. i want this account deleted immediatly before it sully my credit worithiness that has taken me a long long time to build!! equifax, XXXX  and XXXX would not allow me to upload anything and when i called XXXX  i was left on hold for serveral long minutes til i finally just hung up after i went through to operators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2017-12-13
Company: NATIONSTAR MORTGAGE LLC
State: IN
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 to show that Nationstar Mortgage that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted Nationstar 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that Nationstar will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by Nationstar. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. Nationstar can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from Nationstar . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. Nationstar ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, 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 2023-02-16
Company: First Bancorp North Carolina
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 am filing this complaint because I'm going through a really stressful time due to First XXXX Bank. I had a dispute with the bank and their agreement said all disputes need to be handled through arbitration and now theyve failed to respond to arbitration and not only are the in Breach of contract but it seems the arbitration court says they will not be hearing any case for first bank which indicates that the bank is in breach of contract with each and every customer they have. Now Im unable to get approved for a home loan or refinance my home, this has caused me to lose thousands of dollars and real estate opportunities. I have had to suffer tremendous XXXX and loss of sleep. I've suffered huge emotional stress. I don't have any credit freedom due to this issue. Ive been unable to sleep, lost appetite as a result of my financial ability being destroyed by First Bank negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2021 I advised the BBVA bank rep that I wanted to close my account. I had opened an account at another bank. 

At the time i had approximately XXXX left in the account and i told them they could have the money. The rep said that the account could not be closed until I withdrew the pending amount XXXX. Once the account was XXXX  'd it would then be closed. He 100 % assured me that my account would have a notation about my conversation and desire to close the account. But the account never closed and apparently fee 's were being added to a XXXX  ' account by the bank, making the balance from XXXX  to a negative. Further, I continued getting a variety of emails from this horrible bank. So i filed a complaint with the XXXX. But nothing resulted from it. 


Today, at XXXX centralI called ph # XXXX and the service rep was highly argumentative. It reminded me of the old days when unscrupulous credit companies and bill collectors were arguementative, threatening and it was there way or no way. 

The bbva woman also began lying to me, citing that my account was credited for XXXX and 100 % refused to acknowledge that my account was XXXX  'd out and there was a debit made for the approx XXXX. 


I told her that i knew nothing about any credits that she claims the last service rep entered into my account. Why would the last service rep i spoke to that knew i had XXXX left in my account and knew i wanted the account closed, give me some kind of credit? 

She continued to argue with me like a child and 100 % refused to close my account. I told her i would be filing this complaint and hung up on her as she was relentlessly yapping and refusing to give me opportunity to argue back. 


What kind of customer service is this? Why lie about giving me a courtesy credit when I had direct deposit with no service fee 's? Why give me a credit, when the took their monthly service fee 's from my account after I transferred my direct deposit? I didnt argue or compliant about those fee 's they took out of my account. 

I've done my due diligence with getting the account closed by spending time speaking to agents. There monthly fee 's were paid without argument during the final months that my direct deposit was going to a different bank. I XXXX  'd the account. And all i get back for my due-diligence is XXXX. from this bank and old fashion criminality involving my money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Continental Finance Company, LLC
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a fraudulent account on my credit report in the name of XXXX XXXX XXXX amount of XXXX Can this be reoved from my accout

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 2023-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I travelled to XXXX XXXX from XXXX XXXX with some friends for my birthday. On XX/XX/XXXX we had an ATV excursion where we needed to have cash on hand. Neither my friend or I had any pesos with us, and a local told us where we can find an ATM to withdraw money. We found a XXXX ATM right around the corner, my friend volunteered to take out the cash, she put her pin number and everything, but at the very end the money was not dispensed and an error page popped up saying that they atm could not connect to her bank and that she needed to call her financial institution. We thought that maybe her bank had frozen her account because maybe she did not inform them she traveled to XXXX. We needed the cash, so I decided to try the ATM with my debit card since she has XXXX XXXXXXXX XXXX and I have Chase. The same thing happened to me, I put my pin number and everything, I received the same error code. We immediately called our banks and they said since it's a pending transaction that we shouldn't worry and it should disappear. That was not true. On XX/XX/XXXX both my bank statement and my friends bank statement said that the money was taken out from our accounts. We called our banks and made claims explaining to them exactly what happened - we tried to take out cash, nothing was dispensed, but we were still charged. The total that the ATM stole from me was {$170.00} plus an ATM fee that I also filed a claim on, since I did not receive the money why should I pay the ATM fee. My bank gave me a provisional credit for both the money that wasn't given to me at the ATM and for the ATM fee. Yesterday, XX/XX/XXXX, my friend told me that her bank denied her claim and took back the money. I immediately checked my bank account and what do you know, I had a pending transaction for a claim reversal. I did not receive a call nor did I receive a message or email. If my friend did not inform me, I would have never checked my account and I would have never known they denied my claim. On my lunch break I will be calling Chase asking them why in the world was my claim denied and why was I not informed. It is absolutely ridiculous that this was not resolved. There are cameras and I'm sure the ATM does a report at the end of the day of the number of bills it has on hand and what was taken out. I'm highly contemplating closing my account with Chase because of how unprofessional this has been. They told me not to worry and that everything will be okay, and that was a lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these accounts were 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 be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX 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 2023-06-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 
These accounts are listed as being 30-60 days late. I have never been late on this account. PLEASE REMOVE LATE PAYMENT FROM MY CREDIT REPORT 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-06-19
Company: TransferWise Ltd
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I XXXX XXXX XXXX ( XXXX ) opened a account to send money international but they closed the account without any prior information. also not able to reactivate account. 

XXXX XXXX XXXX : Wise Email : XXXX XXXX

Company response to consumer: Closed with explanation