BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A security freeze was placed on my LexisNexis report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. LexisNexis has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using LexisNexis. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, XXXX  and XXXX multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor LexisNexis Risk Data Management Inc. ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a purchase order using XXXX ( because the scammer leads me to ) and once the payment went through the scammer disappeared. Only after 3 hours after I got SCAMMED and while it shows as processing, I contacted Bank of America at XXXX to stop the transferring amount of {$2400.00}. However, surprisingly the first representative only created claimed and didn't really take this as a serious fraud but a personal issue! At XXXX I called again and spoke with different representative XXXX, she was more willing to help but again she only created claimed and didn't stop the fund ... 

Based on my research Bank of America in the past did very similar things to a customer who got scammed and he ran to a local Bank of America and the manager told him they can not stop the transferring.. and get a lawyer to fight for the amount. 

15 Years of a royal customer at Bank of America.. I am super disappointed that they didn't jump on this like family matters since I entrusted my money to this bank instead of others. 

This action is not out of hatred but I have 100 % proof of document shows you we can get the money back from the recipient 's bank and work with XXXX as well to get my {$2400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. Below is the list of the erroneous account reporting on my Credit Report : 1. PORTFOLIO RC XXXX Balance {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
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 information incorrect

Complaint:
I XXXX XXXX obtained a 12-month forbearance on my mortgage from XXXX XXXX XXXX this past XX/XX/2021. I am attaching a copy of the forbearance agreement. My mortgage was supposed to be posted as Current - Never Late under this agreement. I have survived a horrible case of XXXX, and I was entitled to this forbearance. Accordingly, I request the credit reporting agencies to help me obtain the proper credit rating I was granted through the forbearance agreement submitted. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 previously notified TransUnion that I am a victim of identity theft, and in return and instead of fixing the problem they told me that I am a credit repair company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-11-13
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company has gotten more way more that the loan itself which is understandable but their collection tactics are not. They are calling my job, friends etc. I have asked them to stop and I will pay when I can. The loan itself is an illegal loan in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my account for know reason upon getting approved of the credit card they took me through various verification process I supplied my bank statements proof of address and paperwork from irs validating my identity exc. I barely use card and pay on time for 3 months as covid19 approach they paused usage of card and ask me to sign a release form from irs from filings of XXXX being that irs was shut down and they werent able to get verifiable information they ask me to submit 3 months bank statements for verification I submitted and I noticed through XXXX  that they flagged account saying its closed. With know explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I made a contract with XXXX XXXX AT XXXX XXXX for 2 years. I left this apartments on XX/XX/XXXX with a clean record, they even return my deposit when i left. I got a derogatory remark on my XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address the immediately and either pay off the debt or get the negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of 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 non-monetary relief
Consumer complaint received 2020-06-05
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an American Express Delta Skymiles credit card. I am a self-employed person and due to Covid-19, my business was in a disastrous situation and i could not make my credit card payment on time for the months of XXXX and XXXX. In the month of XXXX, after receiving unemployment benefits, I received some money and immediately paid off the entire statement balance on my American express credit card. 

However, they charged me an interest of {$52.00} and {$34.00} for the two months along with two late fees of {$39.00} each month. I called American Express customer service several times and requested them to waive these interest charges and late fees as this was due to an extreme hardship as a result Covid-19 situation. 

American Express flatly refused to waive these interest charges and waived only one late fee of {$39.00} for XXXX. i am requesting that the interest charges for these two months and the late fee for the month of XXXX should be waived as this was a hardship situation for me. 

I also expect American express to show some empathy towards consumers and not engage in predatory and unethical business practice as i believe they demonstrating during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I explicitly requested from XXXX XXXX XXXX a scanned original consumer contract bearing my actual signature and they have not provided me with that at all. What was sent to me were some statements, bills, and itemized lists -- all of which are NOT proper validation under the FCRA and FDCPA. If XXXX can not provide the REQUIRED scanned original consumer contract / original instrument of indebtedness in its original form, then I demand that this account be IMMEDIATELY DELETED from my credit reports. Again, the law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer  documentation is required to consumers, particularly upon their request. Furthermore, XXXX, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2020-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CAPITAL ONE AUTO FINANCE located at XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been more than a year that I have been dealing with this distress. On XX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against XXXX, XXXX, and Transunion in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit on XX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set forXX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX  and XXXX where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your company.

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 2020-06-25
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:
MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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/XXXX I was notified that there was a new CREDIT INQUIRY on my credit report- pulled by Capital One. Ive not applied for a Capital One card nor did I give permission for them to pull my credit. This is a hard inquiry and I want it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
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:
MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 without warning my 3 accounts with Capitalone 360 ( 2 checking and 1 savings ) were frozen because my sister transferred {$33000.00} and {$39000.00} from her account in Nigeria to one of my checking accounts on XX/XX/2020. The bank made be believe originally that the transfers were fraudulent, but after further discussions with my sister and my local bank manager with a different bank it is my belief the accounts were frozen because of the country of origin. I have not received any written communication from the bank detailing the reason for the accounts being frozen, process of investigation and resolution and duration which the investigation must conclude. I waited a couple of weeks thinking the funds would be transferred automatically to one of my other accounts with a different bank that was linked to the Capitalone 360 accounts, but that has not happened and my attempts to talk to someone on the phone have resulted in me being directed to voicemail and told to leave a message and I will be called back. That has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: United PanAm Financial Corp.
State: UT
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:
Uacc # XXXX is reporting a debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief