BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: LEXISNEXIS
State: NC
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:
In XX/XX/XXXX I sent a certified letter to LexisNexis to verify the process in which they verified a Bankruptcy on my credit report but I never got a response. In XXXX I filed a complaint asking for the method of verification on which they verified a bankruptcy on my credit report. LexisNexis responded this time stating that they used XXXX to verify my Bankruptcy and they linked it to my address and social security number. The explanation they provided me was false and inaccurate as they stated they verified a Chapter XXXX  Bankruptcy filed on XX/XX/XXXX and was discharged on XX/XX/XXXX. They also claim to have verified the address which I have never lived at. Everything they claimed to have verified was false and inaccurate and they have been providing XXXX/XXXX/XXXX  with false information when they provide them with verification information as they are the third party used to verify public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: SC
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:
Good Day, This is my second time to report all three credit bureau 's .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was just informed today randomly after sending money on XXXX XXXX via my account with Chime, that they have closed my account effective immediately today XX/XX/22. No warning or notice was given, which is very strange and feels like a scam in my book due to my direct deposit hitting as well as me having almost {$900.00} already in the account, and then right after my deposit hits my account you all just close it? And then tell me I have to wait 30 days for MY MONEY THAT I WORKED FOR! I HAVE TO PAH MY BILLS TO WHICH YOU ALL ARE HOLDING MY MONEY AND CAN NOT GOVE ME A REASON AS TO WHY YOU JUST CLOSED MY ACCOUNT! I have seen numerous complaints of the same tactics with this online bank and thought after being a valued customer for the past XXXX years it would never happen to me.! I NEED MY MONEY IMMEDIATELY!!!!! I DONT HAVE TIME TO WAIT FOR 30 DAYS AS I HAVE BILLS AND FOOD TO PURCHASE FOR MYSELF AND MY FAMILY!!! THIS IS RIDICULOUS AND IT NEEDS TO BE RECTIFIED IMMEDIATELY!!! I CAN CARE LESS IF THE ACCOUNT IS CLOSED, BUT I DO CARE THAT I GET MY MONEY TOMORROW! I need it NOW!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
SO I WAS CAUGHT UP ON PAYMENTS FOR CITIZENS ONE. I WAS TOLD THEY PLAN TO FORECLOSE ANYWAY AND WHY DONT I JUST GIVE UP!! THESE PEOEPLE SPEAK BROKEN ENGLISH!! I CALLED BACK SEVERAL TIMES TO GET A NUMBER OR NO ONE WILL PICK UP. THEY HAVE HARRASSED ME DAY NIGHT, SOMETIMES FIVE PHONE CALLS IN A ROW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
the investigation process was not conducted fairly, and no supporting documents were given to me to support their findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The account from XXXX XXXX is incorrectly reporting as " open '' : on my credit reports. This is not an open account and this account should be reporting as closed. This needs to be fixed immediately as it is severely affecting my credit and causing adverse actions due to incorrect information. Per the FCRA this must be fixed and accurately reported. In addition to this XXXX XXXX sent me an application as proof that clearly has no signature on it. Meaning that this application was not fully completed and they refuse to acknowledge it. 

The other primary issue is that the account from the creditor " XXXX XXXX XXXX '' remains UNVERIFIED and UNVALIDATED after multiple requests for validation I have sent to them. They have ignored multiple request and have sent me absolutely no proof that this debt is mine. This account I ask that you thoroughly review and delete. I requested validation more than 30 days ago. They keep saying they are emailing and mailing documentation but that is a lie. I keep providing the correct email and physical address and receiving nothing. They are lying to cover themselves and that is deceptive.

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 2021-10-10
Company: Experian Information Solutions Inc.
State: MA
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:
experian was given legal docs to prove i did not have the car in XXXX they will not accept them why it proves XXXX is responsible loan was paid off in XXXX of XXXX and they reported i was still paying in XXXX to XXXX whick i was not and late in XXXX and XXXX which i was not 36 month lease was up in XX/XX/XXXX how can i be still paying it in XXXX XXXX XXXX XXXX XXXX and then late in XXXX and XXXX they are lying 36 month lease started in XX/XX/XXXX add 36 to that not the 44 months they reported add it up experian do the math look at the facts EXPERIAN ADD THE STATEMENT TO THIS 3RD TIME ASKING

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 2023-05-15
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:
Monday, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FLorida XXXX SSN : XXXX | XXXX : XX/XX/1994 To : XXXX XXXX Equifax Information Services LLC XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, please remove all non-account holding inquiries over 30 days did and add a Promotional Suppression to my credit file. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
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 HAVE BEEN DISPUTING DEPT OF ED/ XXXX FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE XXXX AND FILL OUT THE AFFIDAVIT THAT EVEN XXXX SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CORELOGIC INC
State: TX
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 purchased a vehicle through XXXX in XXXX Texas. I spoke with a member of their finance group and stated that I would most likely finance the vehicle purchase. They called me back to let me know that if I would like to purchase the vehicle they would be able to provide financing. I agreed and purchased the car and financing was secured. What I did not agree too nor cencent to was for them to run my credit much less put 6 hard credit inquiries on my credit report. I never gave them permission to do this once much less 6 Times. They have refused to resolve the issue. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
For the last 2 years I have been trying to send my information in to Equifax to lift a freeze that was set on my account without my permission, and every time I would send in the documents and wait for up to 7 business days " they can't find my documents ''. I have sent these documents 5 different times and was given a fax number that was different at least 3 different times. When I asked to speak to the manager, he told me the same thing that the rep was telling me " to send in my documents through the fax number or mail ''. Each time I called they told me the information was correct there was someone else 's name under the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: MO
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:
Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: LoanCare, LLC
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 status incorrect

Complaint:
Dated attached is a letter from Loan care regarding the incorrect reporting to the credit agency 's stating an error on their part in reporting my mortgage late on all three credit reports. Technically they are stating that they should only have reported it late for the month of XX/XX/2019 BUT when I went online to pay the full payment the only payment I was allowed to make was the {$130.00} forbearance payment and NOT the full amount. So Loan Care has said that they would correct this with the credit reporting agency 's but as you will see it is NOT corrected on my XXXX  report and it is still be reported that I am 180 days late on this even though I have paid all forbearance payments correctly and on time. With COVID - this should NOT be reported and it has severely effected my credit. I am unable to even obtain different car and homeowners insurance because of it. My XXXX account went from being a XXXX limit to now {$250.00} because of it along with many of my other accounts all credit has been reduced. I am currently in a situation where they have put me in a trial period for a loan modification and that I have to make three payments in the trial to be approved for the loan modification. I went into the forebearance due to losing my job and having my social security stopped as well so I had not enough money to pay the mortgage. I really thought this was my only option as I searched for work which I know have secured. Please help in getting this corrected on my credit reports so that I can actually get car and homeowners insurance at a better deal then I am currently paying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, there were fraudulent charges made on my XXXX XXXX XXXX with Synchrony Bank. I opened a claim immediately. I have attached a photo from a XX/XX/2022 statement to show I had not used the credit card prior to these charges. After almost 60 days my claim was denied. I called to open a new case when I saw the fraudulent charges on my card again and to close the credit card. For months, I was led on to believe by the company that I had opened a new case. I called several times and the XXXX XXXX credit card number/fraud department confirmed that the case was still pending and that it would take an additional 60 days. On XXXX, I saw that my XXXX XXXX XXXX had gone down XXXX points because of the fraudulent charges. When I called the fraud department told me that there was no open case and after going over details telling me the denial was the last action taken, they reopened the case. My case was approved in XXXX after I sent a letter of intent to open a claim and file legal charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im not sure whats happening but Transunion removed the collections account from my profile, then it was re-added. Nothing has changed. I have not re-acquired this debt. It just popped right back up after TU removed it. Now TU refuses to remove it despite me filing a dispute and explaining that it was already removed. Not sure how its legal for already-settled matters to randomly pop back up. These reporting bureaus just take the agencys side regardless of whats actually going on.

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 2021-11-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
5/3 bank is potential discriminating against people based on their country of origin or service member status, by locking out online accounts based on physical location of those who are temporarily outside the United States. 

For example I am currently physically in the XXXX temporarily and am unable to log into my account due to the error message account login invalid. The only way to fix this is to call into customer service and wait 30+ minutes then be transferred to their online security team who will clear the error. After 24 hours the message will reappear and access will be blocked, even though I told 5/3 that I will remain in the XXXX until XXXX. 

Their new security process blocks online account management for service members who may be assigned to the XXXX ( note that I am *NOT* a service member ), and those of XXXX origin who are more likely to be in the XXXX and have their access blocked. While I am not of XXXX origin my future spouse is, and will be impacted by 5/3 practices when they are added to my accounts.

Company response to consumer: Closed with explanation