BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/2022, I sent a letter a letter to the courthouse asking do they report bankruptcies to the credit reporting agencies and I received a letter stating They do not report any bankruptcies to anybody. So if that the case, how did the consumer reporting agencies verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 U. S. Code 1681.

15 U. S. Code section 603 ( 3 ) ( E ) states : The term Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers 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 consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Also, they have violated my rights numerous times. The consumer reporting agencies have violated my rights under 15 U. S. Code 1681.

According to 15 U. S. Code 1681 section 602 A states I have the right to privacy. 15 U. S. Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, according to 15 U. S. Code 1681s-2 ( A ) ( 1 ) states 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Sezzle Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a chat with a Sezzle representative on XX/XX/22. In the chat the representative reported that I paid my final amount owed on XX/XX/22 in the amount of {$100.00}. However, when I filed a dispute with the XXXX XXXX XXXX XXXX, they did not update the balance. It is still reflecting on my credit that I owe {$820.00} and my credit usage is 127 % which is negatively reflecting on my credit driving my score down. I have filed two disputes. For the first dispute my credit score was XXXX. Sezzle went back and updated that I was 30 days late and it drove my score down to XXXX. Then for the second dispute they took the 30 day late notice off and it only drove my score back up to XXXX. I would like to have this matter updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have submitted a dispute letter to all three credit bureaus informed them that information that has been reported as on XX/XX/2022 from XXXX XXXX reporting fraudulent activity on my credit report. I advised them to investigate and delete this incorrect information being reported it is still showing on my credit report.. It is a company XXXX XXXXXXXX XXXX XXXX is still reporting and has a old account that is still showing should be deleted it keeps reappearing on my credit report it has been passed a 7 year mark, and it should be deleted off my credit report. 

I have also mailed identity that report and had it notarized along with the dispute to the credit bureaus certified mail I have also attached the postcards that I received that they did receive the information. 

Remove the fraudulent information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX past 7yrs it outdate in should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Ascension Point Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMPANY CONTINUEN TO VIOLATE " FDCPA & FCBA '' WITH HARRASMENT, THREATS, DEMAND OF PAYMENT ON ACCOUNT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY AND MISTAKE OF IDENTIY DUE TO DECEASE ( XX/XX/2020 XXXX FATHER HAS SAME NAME,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Closed the account XX/XX/2020 and had a settlement of {$1500.00} Company left it at Payment after charge off/collection Settled - less than full balance When trying to to purchase a new vehicle, I keep getting declined

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have sent letters to TransUnion regarding this false information on my credit 3 months ago and they have yet to correct the issue these following items should not be on my credit and is not true 1. XXXX/XXXX XXXX and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 2. XXXX/XXXX XXXX and XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX 3. XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 4. XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 5. XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 6. XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 7. XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 8. XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 9. TRANS UNION Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 10. XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 11. XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 12. XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX. XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 14. XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: DISCOVER BANK
State: SC
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:
XXXX XXXX got a copy of my report I don't recognize. And also Discover financial services got a copy of my credit report. I don't recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: SYNCHRONY FINANCIAL
State: AZ
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:
On XX/XX/2018 I noticed a credit inquiry from XXXX XXXX XXXX. As I do not shop at XXXX XXXX XXXX I do not understand why it would be on my credit report under the XXXX credit bureau. Iam unsure if it appears under the other 2 bureaus as well. I can not understand why I would want an inquiry from a company going out of business and not even issuing credit cards anymore to my understanding. I would like it removed as it dropped my score I believe like 7 points.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I seen charges on my account from XXXX I reached out to XXXX they told me they could not help me to contact my bank. I called my Capital One explain there were charges to XXXX I did not sue. Explain my identity was stolen I made police reports and the report through FTC. I then got a email stating they denied it. I called the bank they said they never got my emails sent them I sent over 3 times to the email address they gave me. I also notice when they put in the dispute they did not do all XXXX so then they open a separate claim. My claim was denied cause of other XXXX charges and IP address that is not mine. I sent them everything showing not my IP address sent 2 police reports also sent where someone open a credit card in my name and used XXXX there to and that card was in my favor. It makes no sense why one place says they were fraud and the other dont. I have explain on XXXX to XXXX the sup that there fraud department is not looking into this right. That those others charges were on a different claim and thats not my IP address. And there bank no matter what you send in to show its fraud denies the claim. I did everything I was suppose to do. They refuse to reopen the claim. I am told to call XXXX I said XXXX sent me a letter they will not talk to me or help me which I sent them the letter. I dont feel this bank helps the consumer with fraud. I have called last week and spoke to 2 supervisors and was told I would get a call in 48 hours never did. I ask for corporate office I am told they dont have a phone number. Based on laws I look up they are under violation there fraud department is not looking into this matter the right way. I had a total of XXXX charges of {$2400.00} My social security and driver license have been compromised. I have attach my documents supporting these transactions were fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
7 years ago I had purchased a vehicle for an ex that came to the point where the payments were to steep, we were told that the vehicle was out for repossession and with in the month was gone. 7 years later experian still shows its open and XXXX XXXX does a hard credit pull with out my permission causing my score to be to low to grind a place to live for my family and I I reached out to a lawfirm that sent a letter to both XXXX XXXX  and all three cra. 34 days later experian or XXXX XXXX has not responded.

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 2020-11-11
Company: EQUIFAX, INC.
State: MS
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 equifax and XXXX  a second request about the inaccurate items that they are reporting incorrectly on my credit report on XXXX letter was sent to the main office and the 2nd letter went to the corporate office.I haven't heard anything from them as of yet and i have attached copies below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: CO
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 was told that my auto loan was with XXXX and not XXXXXXXX XXXX when I did my lease end buyout with XXXX. Therefore, I did not receive the mailing from XXXX XXXX regarding my loan and did not make payment. I reached out to XXXX several times between XXXX regarding not receiving a bill for my auto loan and was told that it would be coming shortly from XXXX and not XXXX. The communication was terrible. I also never received official looking documentation from XXXX XXXX or any communication until I contacted XXXX Bank on XX/XX/XXXX after finally finding out from XXXX that my auto loan was serviced by XXXX Bank. It was at this time that I explained the situation and made my entire payment in full and set up autopayment. I contacted Experian and XXXX Bank on XX/XX/XXXX to discuss and dispute this and my issue was not resolved. I pay all of my bills on time and would have done so if I received proper communication from XXXX and XXXX XXXX This took over 2 months for me to find out that my load was with XXXX XXXX at which point my account was past due and I did not know about it.

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 2020-11-11
Company: Consumer Adjustment Company Incorporated
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 belongs to someone else

Complaint:
I applied for loan and found out today XX/XX/XXXX my credit was lower than normal and I couldnt apply for the loan. Normally it is around XXXX but is now down to XXXX. 

I pulled an XXXX credit report and showed {$6100.00} in open debts to a medical company I've never used, nor have I ever received a bill or collection notice from. I called them, and confirmed my info, they had my correct social, but not my correct birthday. The lady was nice and said they would put into fraud status due to the birthday being incorrect but I should contact XXXX. 

The total amount in collections is {$6100.00} from XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. My insurance would have covered this in full if it were truly my medical bill as my insurance always cover everything with the amount I have to pay on it. 

I also called the original creditor, XXXX XXXX XXXX, and they had no record of me in their system. 

The contact POC on my Credit Report for the debt collector is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get my Equifax credit report since yesterday and I can not get the full report, the website only shows me a summary of the information on the report. I am currently enrolled in college and they are requesting my equifax credit report for my scholarship and financial aid so its very urgent that I get my full report asap. I have tried the freeannualcreditreport site but when I got to the end the screen closed out and did not let me save my credit report and when I tried to get it again it said I couldnt because I already got one. So then I went straight to equifax website and tried to get credit report there. They advertise that you can get your free credit report but they do not allow you to get an actual report, you can just see a summary of the information and have to click each tab to see individual information. I tried tro send that to my financial aid department but they declined and said they can only accept the full report. I then paid for equifax complete which advertise being able to get free credit report daily but again its not the actual report. I called equifax customer service and had someone try to walk me through the process of downloading the full report but in the end he said they do have an actual credit report and that was the only way I could view the information. That is deceptive as their site states different and I honestly will pay for it, the report being free is not the issue there is literally no way for me to get my equifax credit report because even when I paid for it I could only view it summarized on the website. This is a time sensitive matter and I dont understand why I cant even pay for my credit report especially since I have recently been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened checking and savings account with Chase bank in the XXXX XXXX  of XXXX, North Carolina located at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX with promotion of {$600.00}. 

Here are the details - {$200.00} New checking - XXXX {$200.00} New savings - XXXX {$100.00} extra bonus - XXXX Chase Checking Account number - XXXX Chase Savings Account number - XXXX It has been 3 months since the account has opened and the total promotion of {$600.00} has still not been provided to me even after several messages and calls to Chase bank customer service. 

Messaging service keeps saying that account promotion has not been applied to the accounts and Chase XXXX XXXX in XXXX, NC shows no response even after several calls. 

The last call was made on XX/XX/2021 and there has been no heed paid to it. 

I am writing this as complaint in regards to the service that full terms and conditions have not been followed by the Chase branch executives at best due to incompetence and lack of sincerity and at worst following malpractice to deny account opening promotion bonus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief