BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to XXXX  was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, my card suddenly stopped working due to unusual activity. I accepted it because I recently joined an XXXX XXXX XXXX and have been placing multiple orders. The people in the group also noted their banks have done the same. I simply reached out To Cash Apps support team via the app and let them know that the card was being used by me and to please unlock the account. On XX/XX/XXXX, I tried to send the balance to my account and kept getting the Cashout failed error. However l, the cashout I did on XX/XX/XXXX was successfully deposited into my account that evening. My boyfriends birthday was the next and I wanted to send him some cash and found that i was still able to send money from my bank account just not My Cash App balance. I also began to follow them on XXXX  and saw that I was not the only one with problems accessing the funds on Cash App. On XX/XX/XXXX, I Sent a few messages on XXXX asking them to please look into my account. No response was given. On XX/XX/XXXX, I received an email stating my name on the account did not match my unemployment deposits. I knew that couldn't be right and I sent in the documents asked for the same day. My name did in fact match my deposits. Later that evening I saw on XXXX that someone else received the same exact email word for word and upon further investigation there were dozens of others receiving that email. I also received more deposits to my account form Unemployment ( backpay ) and they successfully were deposit however, I have no access to the funds. I reached out again over the next few days to Cash app via the app, on XXXX  in XXXX  as well as their direct messages. Cash app does not have live support and is hard to get ahold of. It seems they are sending out automated messages to their clients and not actually addressing the issue. As of Today XX/XX/XXXX, I have {$1900.00} in the account and can not access it. Another deposit should be scheduled soon and there will be more money I can not touch. I have bills to pay and can not send the funds to my linked bank account but Cash app will gladly allow me to add. This is unacceptable as we are in the middle of a pandemic and funds are desperately needed. They advertised using their direct deposit but have however made it difficult for those who decided to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Alorica Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me XXXX times within a XXXX  day period. Often times they would call XXXX times in a row. I was previously with XXXX  and then XXXX was sold to them for them to handle debts. If SST was the original company, I would have never went with them in the first place. I am being harassed by phone calls every day and XXXX never did this. I was drawn to the easy use of the website of XXXX and instead I no longer have this. The website is very difficult to use. I have called back one time to have the harassment stop however they did not answer and continue to blow up my phone around the times if XXXX. They also continue to blow up my phone while I am working and I have told them that it was my work hours as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Optimum Outcomes, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Optimum Outcome has ignored my request to provide me with the documents that their company has on file that was used to validate the account I disputed.I have sent a debt validation letter to Optimum Outcome and have yet to receive a response in regards to " my '' so called debt that was sent Certified mail and i have proof showing that it was received. I actually did received a response for a completely different person/account that does not even live at my location. Being that they have gone past the 30 day mark and can not validate these accounts, they are required to promptly delete all information which can not be validated. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Investigation took more than 30 days

Complaint:
I had a mortgage with XXXX XXXX. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from XXXX for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info.

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 2020-09-09
Company: Experian Information Solutions Inc.
State: MN
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:
XXXX XXXX continues reporting my account as delinquent and does not reflect that I paid the account in full on XX/XX/2020. They agreed to delete in exchange for full payment but it has been 90 days and they continue reporting as charged off every time I dispute it. They refuse to provide proof of this status and I provide a letter acknowledging that I paid the account but they still refuse to update. Im attaching a copy of the letter showing my account was paid in XXXX, and screenshots showing the before and after dispute status showing they refuse to update my account. I have also reported this to the XXXX, and the MN AGs office. I have disputed directly 4 times with no success.

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 2020-01-29
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a checking line of credit for {$5000.00} from Pen Fed but was denied citing " Limited credit experience '' but I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. 
My credit score with XXXX is XXXX ; XXXX  is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ 10k and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.

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 2018-07-18
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank has started assessing overdraft fees to my account, although I am not enrolled to allow for charges to be made to my card when my balance is low. When I contacted Citibank and asked for them to reverse the fee, they told me that overdraft fees are required as part of the terms and conditions of my account. I never signed on or opted in to any program that would allow for overdraft fees to be assessed to my account. Citibank told me that this is standard to all their accounts, that I can't be removed from the overdraft program, and that they would continue to assess overdraft fees, and I should be more conscientious of my budget. I told them this was illegal per 2010 's Overdraft Protection Law and I was told that I just didn't understand the law and that their fees were typical. 
The fee was eventually reversed, but I was told it was a " one time courtesy '' rather than a correction of a policy that is in violation of the law regarding consumer account overdrafts.

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 2020-05-25
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Original creditor XXXX XXXX  Hospitals accepteded full payment for the original medical debt that I was not properly notified of. This collection agency reported a 19 interest payment on my credit report after the account was paid in full and to the original creditor and settled as agreed. This is illegal and is impeding my ability to obtain a mortgage. I have attempted to resolve this with Experian and 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 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
CAPITAL ONE XX/XX/XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/ and it was closed immediately and is marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2021-09-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
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:
My legal name is XXXX XXXX XXXX NOT NOT XXXX XXXX XXXX XXXX MY DRIVERS LICENSE, IRS RETURNS HAVE ALWAYS BEEN XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX continues reporting my account as delinquent and does not reflect that I paid the account in full on XX/XX/2020. They agreed to delete in exchange for full payment but it has been 90 days and they continue reporting as charged off every time I dispute it. They refuse to provide proof of this status and I provide a letter acknowledging that I paid the account but they still refuse to update. Im attaching a copy of the letter showing my account was paid in XXXX, and screenshots showing the before and after dispute status showing they refuse to update my account. I have also reported this to the XXXX, and the MN AGs office. I have disputed directly 4 times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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: Account information incorrect

Complaint:
XXXX  XXXX XXXX Balance amount is inconsistent with other credit agency. Please delete immediately.

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 2020-05-25
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened this account as I wanted to leverage the 0 % interest purchase/balance transfer offe being extended until XX/XX/XXXX. Initial credit line was approved for {$4700.00}. Used $ XXXX of that for balance transfers. Paid more than minimum & on time every month. Out of nowhere credit limit was reduced to {$2200.00} which means my overall utilization will be around 90 % instead of 40 % which will negatively impact my credit score. I spoke to First Bank Card twice ( XX/XX/XXXX and XX/XX/XXXX ) and explained this and also that none of my other credit card companies have taken this step which tells me this was a decision First Bank Card made on their own ( an escalations rep admitted as much when he called me back ). This is wrong on so many levels. I asked the company if we could come to any sort or compromise such as leaving my limit at XXXX for now then when I pay off byXX/XX/XXXX then reduce limit to {$2200.00} after that time. I also suggested they make the available credit " frozen '' ( my current balance minus {$4700.00} ) so it  can not be used as I had no intention of using it anyhow but have {$4700.00} reported to credit bureaus as my limit solely to help protect my credit score my reflecting a better credit utilization percentage. But they again said they would do nothing. If nothing is doneI will be paying this account off asap and they will not get a dime of money from me after that. As I explained to First Bank Card. If I would've known my limit was going to be reduced to {$2200.00} I would've simply capped my balance transfers to $ XXXX-XXXX  tops. This was a bait and switch and now my credit score is going to be negatively impacted at no fault of my own. This is wrong on so may levels. Please hold First Bank Card accountable for their unethical business practices and assist me with getting a resolution. Thank you.

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 2018-10-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account thats open i do not owe. Its with XXXX for {$380.00} date is XX/XX/15 of said bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a complaint to the cfpb this summer on this issue and you didn't get any resolution then either. I still have no access to my online Equifax account. Every time I call I'm told the EXACT same thing and I have mailed or faxed them the requested information 6 times now. I never receive a response unless I file a formal complaint which I have done for the XXXX time now. That doesn't resolve it either. I sent a certified letter this time that was received on XX/XX/XXXX with a copy of my ss card and drivers license. I was told I would receive an email or mailing confirming my updated information ( for the XXXX time ). I have received nothing and still have no access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Suntrust Bank # XXXX XXXX XXXX # XXXX, and XXXX # XXXX, XXXX XXXX XXXX # XXXX reporting a fradulent Loan on my credit report,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation