BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: LEXISNEXIS
State: GA
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:
I recently obtained a copy of my consumer report and noticed a company Lexis Nexis has violated and infringed upon my consumer privacy rights, according to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. Lexis Nexis did not have permissible purpose nor written instruction to obtain my consumer report per 15 USC 1681 ( b ), per 15 USC 1681 ( b ) ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a terrorism offence, per 18 USC 1028 ( A ) ( 2 ), my consumer identification was used unlawfully and without consent to obtain information from XXXX  which is a violation of my federally protected consumer rights, lastly I have reached out to the courthouse and they notified me that they do not share personal information with 3rd parties such as Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX, my business account was fraudulently hacked into and funds were set to disperse from the account via ACH payments. Within 15 minutes of being notified by a Chase 'alert ', I contacted Chase and was informed that it was already too late to stop it. Apparently, someone hacked the account, changed account numbers and routing numbers and started sending out payments via direct deposits until the account was drained. I was told a document was going to be emailed to me within a couple of hours to authenticate the fraudulent activity, but never received it. I went to the local Chase branch the very next morning to sign the document and begin the process of reparations to my business account.I was told by no less than four ( 4 ) different Chase representatives that the funds that were removed fraudulently from my account would be returned within 24-48 hours. Many frustrated conversations and escalations ensued to different Chase managers and after nine ( 9 ) days of leaving my business account with a XXXX balance, they finally admitted that they had no idea when any funds would be returned - not even a temporary credit, while everything was still being investigated. My XXXX was established in XX/XX/XXXX and has 15 employees, with operational funding requirements on a daily basis. I honestly felt like I was living in a 3rd world country with no one to turn to for help. On day ten ( 10 ), a temporary credit was issued to my account and I was advised that if they determined the funds were sent intentionally, the credit would be reversed. Incidentally, I have had this same account open with Chase for over ten ( 10 ) years and I was treated like I was the criminal, while they did little or nothing to offset the lack of funds in my business account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
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: Information belongs to someone else

Complaint:
Identity Theft & Fraud, that was never blocked, on my account. Duplication Accounts, Inaccurate Accounts. Account Information Incorrect, on loans balance, payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: American Acceptance Co., LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The information XXXX XXXX XXXX is reporting is inaccurate and its invalid. They are showing account open account when it was closed as of XX/XX/2017. The car has been repossessed ... I have sent 3 letters for them send written validation of the debt ....

Company response to consumer: Untimely response
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a certified letter of dispute to Equifax. It's been XXXX days and I've yet to receive any verification or validation for the inaccurate accounts listed on my credit report. This lack of consideration is causing me to feel disregarded pertaining to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: VW Credit
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:
I have a loan with XXXX XXXX XXXX and VW CREDIT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and VW CREDIT with no successful resolution. There was definitely an error on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: C/C Financial
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is taking money out of my account. I don't have an account with them and they wont assist me with locating the account that is taking my money and they wont stop the payments, the dates and payment amounts are as follows : XX/XX/2019- {$49.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00}

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 2019-08-09
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
XXXX of 2018 I was in XXXX XXXX went to a time share presentation. Gave my information with the understanding it was to be used to pull a credit report and tell me interest rates I qualify for ... gave them my debit card to sign up and try a couple night stay. Decided against a member ship was told my debit card would be reimbursed because it was within the termination period ... never received the reimbursement on my debit card, and found that they used my credit info to open a credit card weeks later when I received a credit card in the mail I called and explained I didn't want a credit card when I gave that information to XXXX. They tried to tell me I could utilize the card anywhere but I explained I had no need/want for additional credit cards. As I had about 8/9k in my checking a XXXX credit card and a XXXX line of credit at my bank and credit card for my major purchases at XXXX 's that I only use for interest free financing. It's been over a year and I have not been able to do anything about this my credit score was XXXX and this has dropped my score to the 690 's and this account has caused delays and difficulties in financings other projects ... I'm not sure what I can do ... but I don't think it is right that a company can get away with this and just expect you to pay for charges that should never been on the card in the first place, or even opened for that matter. It's only $ 790ish ( {$500.00} originally ) but on the principle of the matter I'm not going to pay them as I'm sure they do this because most of the time it works. I paid off my car that cost XXXX in about a year, as well as just paid off my other car that was XXXX I purchased in 2018, pay my entire balance on my XXXX cc every month if I use it. As well as pay all my other accounts off before the free interest expires ... if I had knowingly opened this account and made changes to it I would have paid it ... but in this case I'm lost as what further to do ...

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 2018-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint is against Capital One credit card services. Back in XX/XX/2017, I decided to apply for another credit card. Not realizing that my credit report was destroyed by Capital One. I assume before I head plaque for credit, that my credit was good. Knowing I have never been late with any of my payments to Capital One. That I also had no other credit card. I felt that I've been with Capital One for years and paid all my bills on time as promised. So never once, did I imagine that my credit report was no good. 

After some time has passed, I decided to apply for my annual free credit report. Just to see what was going on and what was causing my credit report not to be any good. I looked on the XXXX, XXXX, and XXXX. 

When reviewing my credit report, the only thing standing in my way, was Capital One reporting delinquency. However, the report is ready complicated and had a lot of conflicts in there. First, it says paid on time as a agree for the past 3 years without a problem. However, in is comments in there, Capital One stated I was delinquent with my payments. On one part, it says I'm delinquent. On the next part says, I pay on time. Very conflicting. How can Capital One say one thing, and on another part of the report says something else? 

Keep in mind I paid my credit card bill on time and have never been late in years. I only have one Capital One credit card. Which is called Capital One Journey.That I had all these years. I also do not receive a statement in the mail and have not received a statement in the mail for years as well. So if there was any problem I would not be aware of anything. Knowing I do not receive any statement. Then again how can there be a problem, if I pay on time and never went past the due date. 

However, I always went by the due date that Capital One said will always be my due date. For the as long as I own this credit card. I've been paying on time and have never missed one payment. That is good for a young person like me. 

If there was any problem with my account, I never once received any letter from Capital One. I never once received any calls from Capital One. I was never told my Capital One, that my payments are late or were never processed. 

So as far as I am concern, I was on time with my payments. I did everything right. So my credit report should reflect that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Online Info Services stating I owe an alleged debt via XXXX. I sent OIS a letter asking for validation of debt. I have not received any validation of debt from OIS and they proceeded to place the debt to my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX claims that I had an account with them and owe {$530.00}. Ive never had an account with this company but unfortunately they ruined my credit with the negative amount. They didnt try to verify and validate the information.

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 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XX/XX/2021, I sent a letter regarding all the unauthorized inquiries on my credit report. It is now XX/XX/2021, and I have not received results from my investigation. My information could have been involved in one of the credit reporting agencies ' data breaches. They have failed to keep the consumer 's private information safe and then could not help correct the situation. I felt used by the agencies and need help. All unauthorized inquiries need to be deleted by law asap.

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 2018-03-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
So I opened the CitiXX/XX/XXXX Visa Signature Card XX/XX/XXXX ( as far as I can recall ) and closed it XX/XX/XXXX, the reason I got this card is because it has a benefit that after spending {$10000.00} in a year you receive a XXXX anniversary night valid on weekends on most XXXX   properties. The first year I received the night as promised after completing the spend. Second year ( XX/XX/XXXX-XX/XX/XXXX ) I was never credited with the anniversary night, I reached out to Citi to clarify the issue, long story short after a whole bunch of phone calls I finally spoke to someone who understood the issue, she pulled up the statements and confirmed that indeed I had spent more than the requisite 10k ( ~ {$10000.00} ) and said it was odd that I was not credited with a free night. She said the most she could do was credit me {$100.00} but she understands that the night is worth more ( it can be worth upwards of {$1000.00} ) so she will put a note on the account. I call a week later and find out I got a {$100.00} credit ( which I specifically said I was not willing to take ), spoke to other reps who said they will escalate the issue and I should call back in 3-5 Business days so I called back and after waiting 30 minutes on hold was transferred yet again to XXXX who of course claim they never got the anniversary certificate and I need to speak with Citi. Since then I called 3 more times finally I was transferred to someone who told me that the account was examined and I wasn't eligible, I replied that I had the statements and it didn't make sense, to which she responded that I could send in the statements by mail and file a complaint.

I have spent many hours on hold simply asking for what was clearly in the XXXX XXXX XXXX at least three times representatives simply transferred me to XXXX thereby wasting my time ( since it's not XXXX 's fault I was never given the certificate ). It is amazing how I keep getting stonewalled until finally someone simply tells me that they don't want to give it to me and can not provide any support for their position. I have never missed a payment, NEVER had a late payment and feel that the whole handling of this situation is terribly unfair. Any help would be greatly appreciated.

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 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX, KOHLS/CAPONE, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, KOHLS/CAPONE, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/XXXX I disputed 3 non qualifying inquiries reporting on Equifax in the following letter below. Now I'm requesting the Agreement and or electronic online agreement signature with my signature on it that verifies or make these inquiries a matter of factual record. I understand that Equifax can not report Inaccurate incomplete reporting on my credit report. Furthermore, I understand that it is Equifax responsiblity to investigate and reinvestigate all requests made by the Consumer. And that reinvestigations must be conducted in 15 days. The consumer does not need to contact the original Creditor. That is Equifax job. I will be waiting on the response. If we can not resolve this matter amicably in 15 days as the FCRA requires for reinvestigations. I will be forced to sue you. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To dispute department, There are 3 non qualifying inquiries reporting on Equifax. None of which are including a Firm line of credit, result of insurance, result of employment, nor court order. The following inquiries are all incomplete because No contact information is being reported by these creditors. Which is a Fcra violation for deletion. Im specifically requesting deletions for the following Inquiries on my Credit Report below. 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

Delete XXXX XXXX Bank XX/XX/XXXX because it is incomplete. It is not reporting No contact information has been reported by this creditor. Delete it Immediately! 

I take this matter very seriously, I completely understand my rights under the FCRA and that in XXXX v. Equifax Information Services, LLC et al, the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX XXXX because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No!

I do trust that this matter will be handled amicably. And please send me another credit report afterwards. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
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: Account status incorrect

Complaint:
This CFPB complaint is regarding XXXX, XXXX XXXX XXXX XXXX account no.XXXX that appears on my Experian and XXXX   XXXX files. VERY RECENTLY, EXPERIAN VERIFIED the account on XX/XX/XXXX AND XXXX VERIFIED on XX/XX/XXXX.I have included with the evidence attached here a 3rd party report showing those dates OF STATUS UPDATE.I have included XXXX XXXX XXXX CFPB RESPONSE OF XXXX XXXX where they admit to 40 previous verifications of disputes with Experian and XXXX  ( XXXX ) .XXXX  DELETED THIS ACCOUNT LONG AGO WITH THE SAME EVIDENCE PRESENTED HERE. 
THE DISPUTE IS SIMPLE ... .THE FCRA DOES NOT ALLOW RE-AGED ACCOUNTS. 
XXXX XXXX VERIFIES XX/XX/XXXX AS DOFD.ACCORDING TO FCRA DEFINITION OF DOFD, THE DOFD WAS XXXX XXXXTHE EVIDENCE HERE INCLUDING A 3 DAY NOTICE, A CERTIFIED COURT DOCKET, THE JUDGMENT OF XX/XX/XXXX, THE PREPONDERANCE OF EVIDENCE SHOW COLLECTION EFFORTS ON THE DEBT ( RENT ) AS EARLY AS XX/XX/XXXX. 
THIS EVIDENCE IS SUFFICIENT TO WIN A SUIT AGAINST THE CREDIT BUREAUS AND XXXX XXXX FOR THE " 40 VERIFICATIONS '' THAT WERE INACCURATE WRONGFUL AND CARRY STATUTORY DAMAGES. 
THE CFPB HAS AMPLE EVIDENCE HERE TO PROSECUTE EXPERIAN AND XXXX  FOR ALLOWING THEIR PAYING SUBSCRIBER TO VIOLATE THE FCRA WITH IMPUNITY TO THIS POINT.

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 2018-03-28
Company: SUNTRUST BANKS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
Suntrust Bank is reporting a balance of {$580.00} on a closed account and FP ( failed to pay ) from XX/XX/XXXX until today, XX/XX/XXXX. The last payment on my settlement was paid and received on XX/XX/XXXX.I have a letter stating " your account is settled in full and your obligation to us and the above named creditor is now satisfied '' referencing this date. I have disputed with the credit bureaus and Suntrust, after every investigation Suntrust refuses to update per the correct information contained in this dispute.

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