BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: LEXISNEXIS
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: Account status incorrect

Complaint:
LexisNexis refuses to show two accidents on my report as NOT AT FAULT, which is preventing me from getting car insurance and risking my financial health. I am currently consulting with a lawyer who will represent me on a contingency to sue them for not correcting this. I filed a dispute with them showing my concrete proof : both XXXX  and XXXX XXXX XXXX  that these accidents are NOT AT FAULT in their systems and I have letters from both stating such. Both police reports for the incidents show I am not at fault. But every time I try to use a car insurance broker, they pull these accidents and they show at fault and they blame LexisNexis for this. I should not have to pay a downpayment and {$500.00} a month for insurance on a paid off car with a perfect driving record because Lexisnexis REFUSES TO SHOW THESE ACCIDENTS AS NOT AT FAULT. I AM PREPARING TO SUE AND THIS IS NOT AN EMPTY THREAT. I HAVE ONE LAWSUIT IN FEDERAL COURT AND TWO IN CIVIL COURTS. I WILL PURSUE YOU. THIS IS UNFAIR AND ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MD
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions. 
15 U.S.C 1681 c. ( 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 crime which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 reasonably 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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am in the process of wanting to purchase an apartment and noticed I had damages on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report as it is defamation of my character.

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 2019-01-23
Company: Experian Information Solutions Inc.
State: IL
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:
It was a very hard time to get access to a dispute specialist over the phone. I had tried many calls to them over the course of 3 days to reach someone. FInally after selecting the credit report prompt I was able to follow to prompt to a specialist.

Once on the line with the specialist I was constantly asked the same question that I was disputing information regarding.

The specialist did not appear to want to help me the consumer but more so protect the company. The inaccurate reporting I informed the specialists I had documentation regarding she continued to ask the same question after I stated it was not correct. Finally I was given a separate link to use which also did not accept the upload of the supporting docs. 

There is an account for XXXX  XXXX XXXX that I do not have a contract of service for. This account has been placed by 2 other agencies and is now with a third and has been removed twice before. This account should have been removed and checked before placing. I should not have to work hard after the placing of the account as a specialist should have seen this account was deleted twice before and now it is being placed again now that it has been sold. 

There is a Bankruptcy reporting which has to be verified via the source and the US Bankruptcy court has noticing on the website which states they do not report to any CRA. Since all reporting has to come from the source this account is also not reported accurately as XXXX XXXX is not the source and PACER is not a source so therefor the Bankruptcy should be removed due to the account can not be verified via the Federal Court reporting the record.

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 2021-09-22
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: FL
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX AUTO XXXX Account # XXXX XXXXXXXXXXX, XXXX  XXXX  XXXX  Account number 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 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 explanation
Consumer complaint received 2022-11-21
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:
I am interested in disputing all inaccuracies in my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX # 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 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2015-08-13
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage loan with Green Light Loans on a Re-Finance, after many weeks I was turned down because I had a late payment. I canceled the loan process. A few days later Green Light Loans re-initiated the loan process stating I only had to show {$10000.00} in liquid assets which I did through savings statements and a XXXX XXXX plan. I presumed in doing this that the initial late payment was waived as they reactivated the loan process. 
I then after a week received an email stating that they had tried diligently to get underwriting to approve the loan. It was underwritting request that we show liquid assets to finalize the loan? " deception '' .... 
so we were denied.. this company should not be making loan transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
For the past year, I have been attempting to dispute ( to remove ) inaccurate and fraudulent accounts and information from my credit report with the 3 credit reporting agencies " XXXX, XXXX, and TransUnion, '' and it has been extremely difficult because they are not cooperating and have also made it difficult for me to dispute items on my own credit report. As an identity theft victim, I have had to obtain a credit monitoring subscription with XXXX where I pay a monthly fee to be able to log into my credit report frequently to monitor my credit report ; Doing so has allowed me to see continuous inaccuracies and fraudulent activities being posted on my credit report with the 3 credit reporting agencies monthly. My most recent dispute of inaccurate and fraudulent activities on my credit report with the 3 credit reporting agencies was this month XX/XX/XXXX, and luckily " ( after much difficulty ) '' XXXX has seem to be the credit reporting agency closest to accurately maintaining accurate updates on my credit report " with the exception of an old ( XXXX ) bankruptcy under public records. '' TransUnion and XXXX are currently reporting inaccurate personal information, addresses, and fraudulent accounts to include alleging that I have two credit cards, so to make it easier, TransUnion and XXXX should update my credit report in their system with that of my credit report with XXXX. Such should be reflecting across all 3 credit reporting agencies, as standard procedure.

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 2023-07-07
Company: EQUIFAX, INC.
State: FL
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:
Reviewing my credit report I find a series of inquiries that were not authorized by me, I called on a couple of occasions to provide me with the corresponding help to dispute for their web pages where they give the option and they could not help me. 

I am attaching the date and place of each inquiries that was made without my authorization. 

XXXX : The inquiries in question are the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) EQUIFAX : XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am filing this complaint against Chase due to their mishandling of a dispute regarding a charge from XXXX, a booking company. My booking was cancelled due to a legitimate emergency, and the company provided contradictory information about their refund policy. After a series of communication failures and inconsistencies from XXXX, I initiated a dispute with Chase in hopes of getting a refund. 

Despite my detailed explanation of the situation and the supporting evidence provided, Chase closed my dispute without a thorough investigation of my claim. Chase credited my account initially when the merchant failed to respond within 60 days but later rebilled me the same amount. This action was taken without any prior communication or explanation to me. 

When I discovered this rebilling and sought an explanation, Chase responded by saying that the charge was valid and they can not dispute it further. Their reason was that I had agreed to the merchants policy that does not allow refunds or credits. I find this response unsatisfactory, considering the contradictory and misleading information provided by Redawning about their refund policy. This led me to believe that a refund would be possible under my circumstances. 

Additionally, Chase has not allowed me to reopen the dispute, despite the merchant 's continuous inconsistent responses and failure to provide any documented evidence supporting their decision. I believe this action by Chase fails to protect my rights as a consumer and falls short of the expected standards for handling such disputes. 

I request that this issue be investigated thoroughly. I am seeking an exhaustive review of my dispute with the merchant and a justified resolution from Chase. This incident has caused significant financial loss and emotional stress, and I believe it is crucial that Chase address this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
This company is very unethical and is the payday lender of credit card issuers. They have repeatedly reported late payments on my credit report and add ridiculous fees making it impossible to pay them off. Their website is often down also and therefore if you can not make a payment due to it being down, they will report you to the bureaus again and again. Also I've made payments and not received proper credit for them. For example I made a {$200.00} payment last week that I still did not receive credit for. They have severely impacted my credit. I need to be able to refinance my house and use proceeds to pay medical bills but because of their high fees and bad credit reporting they are making it very difficult to do so. Please remove the negative late payments with all 3 credit bureaus. 

Prior to getting this card I should have read reviews because they have done the same thing to several other customers. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2021-11-28
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: U.S. BANCORP
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:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my 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 2019-01-23
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The payment system and deceptive billing practices used by XXXX  seem to intentionally cause customers to default, or have late payments.

For example, if a person makes a payment on the due date. XXXX  will not process the payment until a few days later and post the payment on the day they processed the payment ( not the day it was made ). Therefore, the customer incurs a late fee for a late payment.

A second scenario, a customer makes a payment 3 days prior to the due date. XXXX  still processes the payment after the due date and post the payment to their customers account after the due date. The customer still incurs a late payment fee, because XXXX  did not process the payment until after the due date, although the payment was made before the due date.

The payment system used does not seem stable and has had issues processing payments. Also, causing customers to keep trying to make a payment online and sometimes will cause the customer to be late. Or force the customer to submit a payment in an alternative method ( mail ) which will also cause the customer to incur late fees and a late payment.

XXXX also reports an account as " Closed '' to the three Credit Agencies, even though the account is truly not closed by XXXX or the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I Made A Transfer From My TD Bank Account To My XXXX XXXX XXXX Account In The Amount Of {$300.00}. 

The TD Bank Transaction Confirmation Of Check # XXXX : XXXX TD Bank 's Statement : " Your Check May Be Cashed And The Money Withdrawn Before, On, Or After XX/XX/2023 '' I Closed My TD Bank Account On XX/XX/2023 After I Had Waited Two Weeks ( 1 Week Processing / 1 Week Waiting ) For The Transfer To Go Through And Although There Was A Debit On My TD Account, There Was No Credit On My XXXX XXXX. 

Finally, TD Bank Transferred The {$300.00} To My XXXX XXXX Account On XX/XX/2023. 

Then, On XX/XX/2023, TD Bank Reversed The Charges Back To Themselves And I Was Charged A {$5.00} Return Deposit Item Fee From My XXXX XXXX Account.

Company response to consumer: Closed with explanation