BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Asset Management Outsourcing, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I sent ASSET MGMT/NATIONWIDE REC a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from ASSET MGMT/NATIONWIDE REC as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and a saving account with Citi back to XX/XX/2018 in order to participate in the Second Quarter Checking account promotion. The term is to deposit XXXX dollars in the account for 90days and get XXXX dollar bonus. I've done everything as the term and condition stated and still not receive anything from CITI. Receive a letter from Citi in XX/XX/2018 saying I need to submit a XXXX tax form. I filled it out and sent it back to Citi on XX/XX/2018. I check my account today and still nothing. And I called citi agaaaaaain. A supervisor told me my form was rejected due to the permanent address is US address. I need to submit a supplement form to explain why a US address is valid which is ridiculous. I have legal status in the US and I live here now. The only thing is that I am not a US citizen. So I asked her if I have a Social security number, do I still need to submit this form. She said she is not sure and need to check. I waited in line for 30 mins and she just hangs up the call. It's been 8 months from the date I open the account with CITI. Still NOTHING. I have called for at least 20 times and provided everything you need. But Citi is always trying to ask for a new thing every time.

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 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon looking at my account i noticed that I have over 13 inquires on my report that dot belong to me. I have sent certified letters to the companies, as well as disputed them through TransUnion directly ad they have yet to be removed. These inquires are fraudulent and should be removed asap. I have even places a fraud alert on my credit file to prevent this from happening. please see the list of fraudulent inquires below.

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 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I see previous complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were closed without notification nor response by company I was complaining to XXXX it too much to ask? 
Capital One has no email to contact, when I phone I spend 10 minutes to give background to customer service and they say they will review and I rarely get reply So when Capital One responds to CFPB with response to close I like to know response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed and sent documents of incorrect information on my credit report so many times there is always an issue with them according to them they update info that looks the same as the last report or they report that agency reported it was accurate even with the documents the collection companies tell me they could find my file or unable to sent me documents that verify the debt is mine I have been doing this for a year now and still cant get a solution

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 2019-06-27
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I opened my account, it was through a rewards program with XXXX - Immediately after the bank decided to close the account ( without notifying me ) all of the accumulated rewards were deleted on the XXXX website. I consider this to be a breach of contract. Eventually, XXXX was able to recover the account that was removed when the credit card account was, but not before the loss of earned points. After this, I also started to have problems with making payments. I go to make a payment online, and their system says : " MAKE PAYMENTS Error Unfortunately, we are experiencing technical difficulties at this time. We apologize for any inconvenience this may cause you. Please try to access the site again later or call Customer Service for assistance. '' And, miraculously, there are no problems paying AFTER the payment is late and they have charged me a late fee. I neglected to print every occurrence of this error, but I have proof at least that on XX/XX/2019 I attempted to make a payment prior to the due date of XX/XX/2019, and was prevented from doing so in this way, resulting in a late fee.

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 2020-04-28
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX/XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX/XXXX  XXXX XXXX- Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX- Account : XXXX XXXX : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  - Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX/XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3 dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 7th dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

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 2020-07-26
Company: EQUIFAX, INC.
State: MI
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:
My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX, It was sometime last year because I was XXXX at the time and a my account was locked because of fraud and I called chase and they told me to go in to a location so I went in and they told me a check was put into my account but they luckily caught it before the money was taken out and they told me where the check was deposited but I was no where near where the check was put in and I called chase as soon as I saw the account locked and they let me open another account but closed it in less than a week and now I cant open a bank account for college with any bank really because it says I was put on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 Talked to my lender over the phone, it's I believe the first time I had heard the name of our contact at the title agency. I was told by our lender that he would send over some closing paperwork and that the agent with the title company would be reaching out with information on how to wire our closing costs. 

XX/XX/2020 Received email from what we thought to be our new title company, requesting our cash to close funds, be wired a few days before close so they can clear XX/XX/2020 XXXX XXXX  I wired {$62000.00} too My Title Company, XXXX XXXX XXXX XXXX at Wells Fargo XX/XX/2020 XXXX XXXX  we showed up to sign closing papers, at that time we found out about the wire fraud. We believe XXXX XXXX XXXX XXXX had a breach in their chain of secure information. 

We headed directly over to XXXX XXXX XXXX XXXX XXXX our credit union ) to talk with branch manager. I wasn't happy with his casual dismissal, so when I got home I called their 800 number and spoke with the fraud department a few times. 

While at XXXX XXXX we called Wells Fargo trying to figure out why a wire transfer was accepted for an account that does not exist. We were told by XXXX XXXX XXXX XXXX that they have no accounts with Wells Fargo. I did include a name in the wire transfer, which was on the instructions. However, I only put that name in the notes as an attention too. I figured it was the person in charge of that department. 

XX/XX/2020 I have spent all day on the phone with both bankers. We have received no answer and are told that it can take up to 10 days to even hear anything back. There are three household depending on the stable sale and buy of the home we are under contract for. We do not have that kind of time - for these entities to identify the simple fraud that was committed. 

We humbly ask for any help we can get.

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 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My partner and I applied for a Bank of America HELOC refinance of an existing mortgage in early XXXX, 2019. Our equity is between {$1.00} and {$1.00} million dollars. We both have perfect payment records for over 55 years. BOFA stated that our application does not meet their income requirements. We both take RMD distributions from our respective IRA 's. But we take them on a timely basis in order to maximize the income and reduce the tax obligations. This is both a highly discriminatory action and one that would damage our income. We are also penalized from how we take capital gains distributions. The BOFA model for mortgage HELOC applications is flawed. It has taken over 60 hours of our time in submitting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX first Experian received its second complaint in regards to incorrect reporting on my credit file. XXXX  has failed to comply with 15 USC Section 1681n and 1671o. XXXX Account XXXX and others. Experian was notified that all XXXX  Accounts are XXXX XXXX XXXX XXXX, PA account associated with the XXXX XXXX and were paid by the V.A. Under the Protecting Veterans Credit Act of 2018 " Prohibiting medical debt that should have been paid by the VA to be reported as part of a veteran 's credit history. Yet Experian continues to report these V.A. accounts under my name and my credit report. XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX The credit bureau has the settlement from a court hearing were the loan is considered paid in full and can not report me to the credit bureau. Experian continues to ignore the court order and reports this account as charged-off. XXXX XXXX Acct XXXX Experian has the letter from XXXX XXXX that they were unable to properly identify me as the holder of the account. A police report, a criminal identity theft case was filed with XXXX  and XXXX as the letter stating which caused XXXX XXXX to be unable to distinguish me from the fraudulent party. Yet Experian claims the Account was verified when XXXX XXXX  said it can not verify the account due to the police report and the identity theft. XXXX  Account A police report, a criminal identity theft case was filed with XXXX  and XXXX  as the letter stating which caused XXXX XXXX to be unable to distinguish me from the fraudulent party. Yet Experian claims the Account was verified when XXXX XXXX said it can not verify the account due to the police report and the identity theft. This is the same account as XXXX XXXX just resold. XXXX XXXX XXXX. The original creditor XXXX can not verify the account since they can not find the original agreement of credit. Yet Experian falsely claims the account was verified. Rather than remove the items Experian now all of a sudden can not find my identification to verify my 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
Consumer complaint received 2018-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal authorized a three year auto-renewal to a magazine subscription. When I disputed the transaction, they supported the merchant and paid the debit. I explained that the auto renewal was from three years ago and is automatically put on the account. The magazine did not notify me of the auto renewal prior to debiting my account. I was not aware it was on auto-renewal. 

It was my understanding that PayPal protected their customers from deceptive activity as any merchant can say the account was on auto renewal. 

They provided me no evidence I agreed to the auto-renewal, but gave me a PO box to write to if I wanted it. Now I have to send another written request to gain access to their evidence?!

Company response to consumer: Closed with explanation