BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: LEXISNEXIS
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:
On XX/XX/21 I sent a letter to LexisNexis challenging the validity of an alleged Bankruptcy they have listed on my report. The Credit Bureaus are claiming the item was verified with LexisNexis. Additionally, I went to the Courthouse, and they stated they did not verify this information with LexisNexis. I requested whatever documents LexisNexis had to verify this alleged Bankruptcy immediately. When I received no response from LexisNexis I went to the Court and requested a letter confirming they did not verify the disputed item with LexisNexis. I received a letter from the Court dated XX/XX/21. I wrote LexisNexis again and attached a copy of the letter from the Court. At this point, today is XX/XX/21 and LexisNexis has failed to respond to my original letter dated XX/XX/21 or any of my subsequent communication dated XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. If LexisNexis can not reveal how they truly verified this item then it needs to be deleted per the FCRA. I've taken the appropriate steps to address this item and LexisNexis is ignoring my Consumer Rights as outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit report. This information does not belong to me. I need this fraudulent unauthorized items 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 2023-08-18
Company: U.S. BANCORP
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:
XXXX companies for the past 4 years have been inaccurately reporting late payments on my accounts and refuse to investigate and correct or update accounts to paid as agreed. Companies have listed accounts as " was a collection, but paid '', " sold '' or " transferred ''. Creditors refuse to correct these inaccuracies and have left me paying higher interest, being denied for credit, and left me no other choice but to report their illegal activities.

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 2018-04-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I tried to fix a issue with XXXX XXXX XXXX ( XXXX XXXX XXXX ) loan starting in XX/XX/XXXX through experian and they said it was already fixed and they couldn't do anything else I entered into bankruptcy protection XX/XX/XXXX  and XXXX XXXX entered a " Failure to pay '' for the month of XX/XX/XXXX Im only asking them to abide by the laws and remove the failure to pay from my credit reports but they refused to remove it.

thank you XXXX 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 non-monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: CA
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: IL
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:
In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
They company will disable my vehicle when there was a agreement on file then they came to repo my vehicle after the payment was paid doing the time of arrangement I gave them there money an they still repoed the car an had me pay more to get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX disputing negative inaccurate information on my credit report. Unfortunately these credit companies aren't complying with their own policies within a timely manner. I am hereby requesting that the items disputed be removed 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 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a credit card with Bank of America online. The application was no processed because they wanted more verification of identity. I called their customer service and spoke with an associate who told me they had not began processing my application at which time I told her Im not sending in any verification of identity and I no longer want the card and I I dont Bank of America to to inquire on my credit report. She assured me that they hadnt started the application and no inquiries would be made. But as I checked my XXXX  report the following there was a hard inquiry by Bank of America.

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 2021-11-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Awhile back my XXXX holder for my vehicle began adding amounts to my auto debited monthly car payments, claiming it was for car insurance, because they claim I didn't have any. My car insurance coverage is debited from my account automatically so I didn't understand what my car company meant. Because they included it with a regular monthly car payment, I had to request them pay me back which the 'manager " XXXX and XXXX XXXX XXXX. I even deposited it into my bank again to cover the excess they took out which would have effected other bills I had to meet. 
Needless to say they did it again this time separate from the car payment, but none the same using my method of auto pay. I asked my bank to stop payment as it was pending 2 days before due according to my car loan agreement. Yes I also asked for the funds to be restored as usable to my account to meet my monthly needs as I can handle my own affairs that XXXX not involve a bank debit, etc. I XXXX need the cash. Simple. 
It is mine per deposited earnings, right???? Maybe I'm confused? I doubt it. 

I was told to submit a claim online through the online access set up. I did. The funds became available. This wasn't the first time so My car loan was taken off auto pay and I pay them cash -- if there. My bank has reversed their decision. 
They claim they believe the car ( XXXX XXXX ) dealer, XXXX XXXX, as to the outrageous claim of no insurance though my account reflects a monthly auto debit ( {$120.00}, paid to XXXX XXXX XXXX ) to cover the premium. Shouldn't my bank look there? Something's amiss. 
Yes I declared they were being XXXX as to taking sides when the evidence is within my account. Totally 'sic ' My words to XXXX XXXX Chase Bank XXXX a XXXX she claimed. Same as the call from XXXX -- branch escalation group -- XXXX, XXXX. People working from home or not... they way business is being treated seems off especially when I can alidated my time and use of my account and all other transactions not ones I'm authorizing yet this XXXX XXXX don't deserve the consideration to change the results and activity yet alone I don't have the right to challenge what's going on with my money. 
About XX/XX/2021, XXXX allowed a debit from XXXX 's XXXX XXXX, of XXXX, TX, claiming I charged {$100.00}. worth of services. XXXX is like XXXX miles from my residence. I wouldn't know where to service my car and never would in XXXX. XXXX I don't live nor frequent the area. Someone want 's to tie up my activities in XXXX loyalties... I am not playing that sickness with my money nor career.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Dear Experion, please cancel any and all months pertaining to this subscription. I made a mistake and pressed the wrong button. Do not charge me at all... 

Thank you Sincerely, 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 2022-01-13
Company: EQUIFAX, INC.
State: LA
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 am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last XXXX months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: AL
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 addresses are incorrect on all credit reports. On my XXXX my date of birth is incorrect I was not born in XXXXXXXX I am not even 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 2018-08-10
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, i moved into an apartment community by the name of XXXX XXXX. During my stay the community switched management to XXXX XXXX XXXX. I Occupied the unit for exactly 12 months and gave proper notice to vacate. I signed my new lease in another city in XX/XX/XXXX. 

It was later reviled that the leasing company added a debt owed of XXXX. Stating that i did not leave my unit until XX/XX/XXXX. 

This balance is incorrect and inaccurate. i went to the community several times to see proof of their charges. They provided me with a ledger with all the wrong dates and information on it. The manager on duty was rude each time and gave me no help at all. She claims she has pictures, If she does it should have dates on it. The information from the ledger is not right. I need receipts of proof for this debt. 

I am asking for you to fully investigate this inaccuracy. Validate and delete the wrong information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Nelnet, 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: Their investigation did not fix an error on your report

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

I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. I have read enough to understand my rights. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET XXXX XXXX XXXX  XXXX, XXXX Balance {$600.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXX Balance {$440.00} ; DEPT OF ED/NELNET XXXX XXXX XX/XX/XXXX Balance {$1900.00} ; DEPT OF ED/NELNET XXXX OpenedXX/XX/XXXXBalance {$3600.00} ; DEPT OF ED/NELNET XXXX XXXXXX/XX/XXXXBalance {$3800.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$2100.00} ; DEPT OF ED/NELNET XXXX Opened XX/XX/XXXXBalance {$1900.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by this company is inaccurate and should be removed from my credit report. 
Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. 
THIS IS 7 years old an have been inaccurately furnished onto my consumer report.FASLEY

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 2018-03-09
Company: M&T BANK CORPORATION
State: MO
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 voluntarily closed this account effective XX/XX/XXXX, when the loan was not in default, there was no loan delinquency, and no payments were due. M T Bank received my Notice of Rescission on XX/XX/XXXX,  and has failed to report to the reporting agencies my voluntary closure of the account. M & T Bank is in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 4 ), 1681s-2 ( a ) ( 2 ) Duty to provide notice of closed accounts and Duty to correct and update 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 2023-02-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal

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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal

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 2018-04-04
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to work with Experian to get my credit freeze lifted. 
They were not able to process my request online. Their website suggested I try the online upload. When I did, it said it was not able to accept my upload. 
Now they are requesting a letter, state id, bank statement, and copy of my social security card be mailed directly to them. 

My complaint is this. Experian is asking me to send everything anyone would need to steal my credit in the mail to a known online published mailing address. Literally asking me to create a nice little package for anyone to steal my identity and drop it off at the post office. 

In my opinion, this is highly insecure!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check of XXXX. This check is my regular pay from my employer. The check has been put on hold for 10 days, this is absurd. I have my rent due, I need access to the money within 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Thank you for taking my complaint. Have exhausted every effort to resolve this issue between XXXX XXXX XXXX and PayPal, neither of which has a financial interest in its resolution. I do not believe that XXXX XXXX XXXX is at fault, but neither have they tried to contact PayPal on my behalf. PayPal has been non-responsive except for their email yesterday denying receipt of the check. 

Summary : On XX/XX/2020, I sent a XXXX XXXX  XXXX ACH check no. XXXX for {$300.00} to PayPal Add Money PayPal received the check and deposited it in an account that was not mine in XX/XX/XXXX, exact date not indicated. 

XX/XX/XXXX XXXX XXXX debited my checking account for {$300.00} on XX/XX/2020 I have tried to resolve this with PayPal online customer service to no avail. XX/XX/XXXX XXXX XXXX tried, buy can not help, according to their BillPay and Fraud departments. 

Attachments : 1. Certified Letter to PayPal details of dates and  account numbers, including images of checks and deposit records 2.  Follow up letter to PayPal also including check images 3. Print copy of an email from PayPal saying they did not receive the check. 
4. Thread of messages between me and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly asked in writing, for proof that I owe this debt to National Recovery Sys and each time I am not provided with proof in the form of a written agreement between National Recovery Sys and myself.

Company response to consumer: Closed with explanation