BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ConsumerNumber:XXXX CaseNumber:XXXX Lexisnexis is reporting incorrect personal information on my consumer disclosure they are reporting. 

I have carefully reviewed the information on my consumer disclosure, and I have identified discrepancies in the accuracy of this data. The discrepancies are as follows : 1. Name : - My only name is XXXX XXXX XXXX XXXX. There should be no variations or additional names associated with my record. 

2. Address : - My sole address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Any other addresses listed are inaccurate and should be corrected. 

3. Phone Number : - My only phone number is XXXX. Any other phone numbers associated with my record are incorrect and should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a fraud claim with Bank of America that has been in a pending status since XX/XX/2022. The time frame for resolution provided to me was 60 business days. At this point it is well past that time. I have attempted to resolve this delay with the bank, however the XXXX complaints I have filed about this unresolved claim have had no effect. I am only told that it is still under investigation. I have had claim added to their Tracker which is supposed to escalate to a supervisor if a claim is not resolved in the time frame. This action has also beared no fruit. I feel the resolution department is retaliating against me for continuing to request reconsideration of this claim, after repeated denials. The bank has written proof of my incarceration from the Superior Court of XXXX. And still refuses to return these funds claiming that I was the one to initiate the transactions. I filed a complaint with your office on that issue which did no good the bank still refuses to return those funds. So I ave no recourse but to file a law suit against them for negligent and improper handling of my claim. Maybe you can get them to finally resolve this claim in the correct way.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: HUNTINGTON NATIONAL BANK, THE
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I previously had an open case with your company and then it was closed by you because it looked like Huntington Bank was taking steps to resolve it. After they sent me an email to mail required documents to a given address in early XXXX, I have not received the money from my deceased mother 's account. I have emailed the representative XXXX XXXX and phoned him twice and have not received a response nor the funds. 
Below is the complaint number you can reference regarding the details of the initial complaint. 
XXXX Filed in XXXX Thank you, You can reach me by email at XXXX or phone at XXXX. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: MI
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 XXXX Account # XXXX and # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: NJ
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:
Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error

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 2023-10-04
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit report act this Creditor has violated my rights under 15 U.S.C. 1681 sec 602 states I have the right to privacy,15 U.S.C . 1681 sec 604A sec 2 it also states A Consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B A creditor may not treat a payment on a credit report account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Sezzle Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX XXXX I received a text message from Sezzle indicating that an order was not approved because my account was maxed out. When I immediately logged into the Sezzle mobile app I looked in the orders section and discovered XXXX transactions from XXXX  that I had not placed. I immediately locked my Sezzle virtual card and reported the XXXX transactions as fraud to Sezzle. On Monday XX/XX/2022 I received an email from Sezzle stating that I had a refund in the amount of {$200.00} coming to me. On XX/XX/XXXX I also received XXXX additional orders XXXX in the amount of {$100.00} and the other order was for {$100.00} dollars again from XXXX. I would like Sezzle to give me case number for my fraud claim as well as a contact phone number so that my financial institutions can conduct their chargeback investigations. I was forced to utilize chargebacks for these orders as Sezzle not only collected the first payments for these transactions but also continued to try and collect the other XXXX payments for each of these transactions prior to finalizing their fraud investigation in total Sezzle attempted to collect {$1300.00} for the XXXX fraudulent transactions from XX/XX/XXXX and XX/XX/XXXX. I have tried numerous times to get information from XXXX and they would only tell me that the transactions appear to be made in person. I was at my home on XX/XX/XXXX with my wife and child and at work on XX/XX/XXXX, neither XXXX nor Sezzle want to provide a city or XXXX where the transactions occurred. At the time of the orders being placed I had my Sezzle card attached to my XXXX account, when I checked my in person and online purchase history the XXXX orders do not appear. I have reached out to XXXX to get copies of the receipts for the XXXX transactions that Sezzle shows sent to me and they have not produced copies of the receipts for the transactions that Sezzle shows. I have XXXX orders that were placed prior to XX/XX/XXXX that my financial institution has been informed to cancel the chargeback that they inadvertently processed for those orders. Please note this company refuses to provide any information on my fraud case that I initiated on XX/XX/XXXX. There are XXXX transactions for {$100.00} total, XXXX transaction for {$100.00}, and XXXX transaction for {$200.00} dollars all of the orders were placed within a XXXX minute span of time as far as I can tell with the confirmation emails sent by Sezzle for each transaction. This company XXXX also use the term friendly fraud which is not the case here My phone is always in my possession and no one except me and Sezzle staff have my virtual card number. It should also be noted I have not left the state of California in the past 90 days. I suspect that my case is easy to solve once Sezzle or XXXX produce receipts or the location of where the orders were placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a Bank of America imposter called and tricked me into believing it was the bank calling, and claimed someone was taking money out of my account. The person persuaded me to send money ( XXXX $ ) through XXXX to a safe account in my name. I found out later that the money actually went to the scammer. Bank of America denied my claim for a refund even though i was tricked into sending the money to a scammer. 
Since I didnt authorize the money going to a scammer and since I was tricked into releasing it, the transfer should be covered under Regulation E. The bank has refused to explain why it will not refund the money even though my money was taken by an imposter. The bank also did nothing to try to get my money back even though it was reported to the bank right away.

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 2021-03-03
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:
Since XX/XX/XXXX I have been disputing with the bureaus inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XX/XX/19 - I went to a pizza restaurant called XXXX XXXX XXXX XXXX XXXX, located in downtown XXXX, Massachusetts. My total was {$11.00} and I tipped {$1.00} at the cashier. 

XX/XX/19 - After my pizza transaction posted, I noticed that the amount was for {$110000.00}. It appeared that the pizza cashier had fraudulently entered the pre-tip and post-tip transaction amounts as one amount. This was greater than my ~ {$32000.00} credit limit with my XXXX  credit card. I called the merchant and they were shocked. They immediately processed a return. I then called XXXX and explained to them what happened. The agent let me know that they could see the return and that it would process soon. 

XX/XX/19 - My billing cycle ended before the return was processed. My outstanding balance totaled XXXX {$110000.00}. This was many times greater than my credit limit, yet XXXX still allowed this transaction to process. 

XX/XX/19 - The return from the merchant was processed. My outstanding balance returned to the appropriate amount. 

XX/XX/19 - I checked my credit score using the XXXX XXXX XXXX app and the XXXX XXXX XXXX tool. Both showed a credit score in the high 500s. This is 200+ points LOWER than my credit score had previously been. I called XXXX to report this and they asked me to call back the following day when the credit specialists would be available to take a call. 

XX/XX/19 - I called back and the credit specialist said that they would send an overnight letter to the credit bureaus detailing my updated outstanding balance. I am not certain that this will " make me whole '' in terms of my credit profile, as there may be historical components to credit score calculations and the erroneous $ XXXX transaction is not being expunged from my record entirely. Instead, XXXX is just updating the current balance.

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 2021-10-27
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had this mortgage since about XXXX and therefore have made over 120 mortgage payments on this account to M+T Bank and its predecessor. I have never been thirty days past due on this or any other mortgage, ever. 
In XXXX of XXXX I had approximately {$200000.00} in my checking account and so there is no financial hardship. I have complete ability to pay a {$2800.00} mortgage. 
On or about XX/XX/XXXX, I attempted a payment by phone of the mortgage payment at the phone number identified on the XXXX mortgage statement. I have done this routinely over the years without an issue. The payment was noted to be completed and I was then instructed to hang up by the voice system. And so I did, I never received any call, letter or email from M+T Bank that my XXXX payment was missing or that it did not process correctly. 
I received an alert in early XXXX from XXXX on a weekend that my M+T account had gone 30 days past due. I was shocked, and I immediately called M+T when business reopened the next Monday. They advised that they had no record of my XXXX payment. They also said they tried to contact me at XXXX which is an old employer phone number. I found that surprising since they had my cell number at XXXX.. 
M+T was completely unhelpful to me as a customer and failed to take responsibility for the failure of their phone system, despite my exemplary record of payment. 
I immediately paid the so called missing payment and the account was brought current no later than XX/XX/XXXX, the first business day after I learned of the problem with the phone system.. 
M+T is responsible for this payment issue, not me. My past record of payments with them and my checking account funds support the notion that there was no reason for me not to make the payment and it was due to their error that it did not complete.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: TN
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 privacy and confidentiality under 15 USC1681. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX 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 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 persons 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 2022-09-10
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I HAVE AN ACCOUNT THAT I HAVE NEVER PAID LATE THE ACCOUNT IS PAID IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Choice Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my credit report on XX/XX/22 and noticed there were some recently added derogatory accounts from collections agencies and I believe this is a result of identity theft or fraud and these collections are not mine. Choice Recovery Inc for {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX for XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX. XXXX reports for XXXX, XXXX and XXXX XX/XX/22 and disputed with each credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: AMERICAN EXPRESS COMPANY
State: CA
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 did not know that a major well known credit card company would not offer an account to card member on an account. They charged on my account so much that I had to cancel it, I think that they misunderstood that the primary card holder gave them an opportunity, but is not to be held accountable for their expenses they charged, I no longer have any contact with this person, that abused my credit and kindness for weakness. I have received scams calls from American Express from the XXXX area code when I did have this company credit card payments were to be sent to XXXX XXXX, but the customer services was in XXXX XXXX, Tx I dont know where American Express is located today but I do know that is not in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: VA
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation