BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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

I also addressed TWO letters to their CEO, XXXX XXXX which went unanswered, therefore, he is aware of what his company is doing. There have been Class Action Lawsuits regarding this very practice and in all likelihood there will be more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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: Problem with personal statement of dispute

Complaint:
Your files contain 's inaccurate information as a result of fraud. 

Tenant-Screening checks when XXXX XXXX XXXX uses the services of a third-party background screening company. 

Filing complaint against both XXXX XXXX and background screening companies for alleged violations of the FCRA. XXXX XXXX didnt handle Tenant-Screening reports carefully that is derived from a credit report. 

XXXX and XXXX do not have access to reliable information. 

Personal Information : Intentionally mismatch the Applicants common court history. 

XXXX and XXXX dismissed the Applicant under the guise of allegedly Owing rent and Possession Order. 

The entries XXXX saw on the Applicants credit reports, simply confirmed their own reporting as contained in the Rental Application. 

XXXX also XXXX shares of the organization clearly abuse those theories around XX/XX/XXXX, also XX/XX/XXXX, disconnect occasions. 

Record XXXX and XXXX Status : Closed Type Description : Both Cases Appealed From Lower Courts Action Type : Nonsuit and Rule 11. Written consent of the adverse party has been given. 

Other Complaints : 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 2021-02-08
Company: JPMORGAN CHASE & CO.
State: WA
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:
I purchased a fitness watch on XX/XX/XXXX for {$6.00}. It was delivered on XX/XX/XXXX. On XX/XX/XXXX {$93.00} was taken out of my account by XXXX XXXX XXXX. I didn't authorize this transaction for a purse & never received if I supposedly bought it. I didn't even know what was supposedly purchased until I went on the XXXX XXXX site.They have six items you can chose from & one of them was for a purse for {$93.00}. There was no promotional on the fitness watch. I put in a claim with Chase Bank for the {$93.00} & they sent it to XXXX XXXX The claim came back with everything checking out so the {$93.00} was reentered into my checking account. I obtained the tracking number supposedly for this purse & called USPS to track it. It says it was delivered on XX/XX/XXXX. That was for the watch & not the purse. How could I have purchased a purse on XX/XX/XXXX & it then was delivered on XX/XX/XXXX? Now Chase won't credit my acct for the {$93.00} without proof. That email for the watch purchase I received was deleted & no sales slip was in with the watch. This is clearly a scam. I spoke to a fraud attorney & she looked into XXXX XXXX XXXX. The site is only 100 days old. The phone number on the site is for XXXX XXXX and they have been getting numerous calls the same as mine. There were two other numbers given to me by the bank and both those numbers were to private residences so all three numbers are bogus. The address on the site for California is also bogus. That address is for a XXXX XXXX. There is another address in New York that is also unsubstantiated. By the way ... .I didn't purchase the watch on their site. I purchased it after completing a survey so I didn't even know about this XXXX XXXX XXXX until the {$93.00} came out of my account. How can I give proof to Chase Bank when everything is bogus with this fake company? I am contacting the police department also to file a complaint. I need to get the {$93.00} put back in my checking account but Chase won't even listen to me. Could you please help me with dilemma?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: MONEY SOURCE, INC., THE
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My original loan was not with this company. The bought my loan after I closed on my house. The Money Source stopped playing my insurance company forcing me to pay for my homeowners insurance out of pocket. Then said that I have to pay for their insurance. I provided them with proof that I had homeowners insurance and they charged me {$300.00} extra dollars a month anyway for their insurance. This continued for 6 months with no payback of the money they forced us to over pay. They also took $ XXXX out of my escrow and never put it back. They sabotage our refinancing with another company by lying to us and not letting us make our monthly payment. They told us that because we were refinancing our monthly payment would be absorbed into our refinancing and we couldnt make a payment. Then they put a late payment on our credit report so that we couldnt refinance with another company. Ive talked to more than 15 different employees and no one can or is willing to help. Theres never a manager present, and even though they say one will call you back it never happens. This company has lied to us and stole from us.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I disputed information on my credit report with Experian. They did not investigate my dispute in a timely matter ( 30 days ) and is still reporting this inaccurate information. As of XX/XX/XXXX, Experian is in violation of the FCRA. I called them the same day to see why they did not follow the law. It is very difficult to get anybody on the phone. Their automated phone system is designed to hang up on you if don't pick one of two options that did not apply to my situation ( I did not need a new credit report or place a fraud alert on my account ). I tried getting through for several days. I finally got through to someone, which she was not much help. Another dispute was started, but the phone got disconnected after being on the phone for an hour. My dispute is with XXXX XXXX XXXX, which they is reporting accurate information. This account was deleted once and then reinserted back on my credit report. Experian violated the 5 day reinsertion notification. On top of that the information reporting is inaccurate and incomplete ( XXXX XXXX ). Westlake also uses another name to stay on credit reports. Their other name is Westlake Service Inc. They once was on my credit report with both names at the same time. Experian recently verified this account as being accurate. But how is that? I recently wrote XXXX last month and I have not heard from them ( 30 days ) 2 ) XXXX XXXX is on my report. This old outdated account is still on my report, which they stretched the dates, because this is a XX/XX/XXXX account. The information reporting is also inaccurate and incomplete. 3 ) XXXX XXXX XXXX is account that is reporting inaccurate information and the wrong account type. I disputed the balance and the days late is not accurate. 4 ) XXXX XXXX XXXX is an item that I do not recognize the account number or the account. They reporting late payments that don't add up and charge off balances that don't match the past due. How can the past due amount be more than the charged off amount? 5 ) XXXX XXXX XXXX is reporting 120 days late back in XX/XX/XXXX which is inaccurate. They are a school loan that was in deferment. I have challenged the accuracy, compliance and reportability of these listings to no avail. As of today, Experian has failed to comply with the laws of the FTC and the FCRA. These reporting errors has greatly impacted my credit score and is making it hard for me to be financed with the best interest rates.

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 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
a fraudulent transaction of the amount of XXXX $ happened on my checking account on XX/XX/XXXX, I submitted a claim to bank of America and they responded to me today that they're unable to honor the claim, because this person transferred money from my account twice before and that means i authorized the payment. Those other two payments were fraudulent as well and since the amount was small on those 2 transactions I didn't notice nor file a claim.

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 2018-02-18
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2016 XXXX has transfer my modification loan # XXXX to XXXX XXXX XXXX. Since then XXXX XXXX is servicing my mortgage, new number is XXXX, but it is the same modification loan. 
XXXX XXXX does not send any information to me regarding incentive payments. XXXX used to send me such information every month with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I disputed the accounts with the credit bureaus because they do not belong to me. I did not get a response or results. So I sent another letter XX/XX/XXXX and the credit bureaus still havent responded. From my knowledge the credit bureaus have 30 days to complete an investigation or the accounts must be deleted according to Section 611 ( a ). So now these accounts need to be deleted immediately or I just might file litigation because this is becoming super stressful and the credit bureaus have been ignoring me on purpose. I am also a victim of the XXXX  data breach so XXXX knows who have gotten my information. 
The accounts that do not belong to me and the credit bureaus have been ignoring my disputes are : XXXX XXXX and 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 2021-05-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I received a bill from XXXX XXXX XXXX for an account I did not establish. I called XXXX XXXX XXXX and had the phone disconnected. What I don't understand is how this happened since my credit has been frozen since XX/XX/XXXX. I called all three credit bureaus and they all verified an active freeze. However I went online to view my report with Experian and I got a message that an online account had already been established using an email I do not recognize. When I tried to call experian XXXX it is strictly an automated service with no option to talk to a representative. I don't know how to regain access to my credit file, I'm extremely upset about this situation and need assistance to get it corrected.

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 2020-12-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses from Experian and XXXX  to my requests. I did receive a response from XXXX but not all of my issues were fixed.

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 2020-07-07
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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 

Immediately remove the following account XXXX XXXX  XXXX  open date : XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CCS Financial Services, Inc.
State: NY
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:
Credit Collections is reporting 4 collections on my credit despite a full payment. They informed me that they will delete the accounts from my credit and yet they havent deleed the accounts as of yet. Please see attached a confirmation of payment, and remove these account from my credit as promised

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: STERLING JEWELERS, 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:
I have no knowledge of this account. I have sent out a debt validation letter XX/XX/2018 and haven't heard any responses from the company. I have filed identity theft with The FTC.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2018, my son needed to find a temporary apartment in XXXX XXXX, since his apartment wasn't available. He found a site XXXX that listed sub lease apartments. He corresponded with XXXX XXXX, property manager of XXXX XXXX and signed a lease agreement on XX/XX/2018. He was instructed to wire the rental charge, {$4000.00}, from his bank Bank of America account to the property manager 's account at XXXX XXXX Account. When he arrived in XXXX XXXX, there was no such apartment and XXXX didn't return his calls. The funds were draw on an account my son, XXXX XXXX, and myself own. I had contacted Bank of America and requested a wire recall. The bank recalled the wirer. XXXX XXXX has frozen the funds and have them ready to send back to me. However, they are requesting a " hold harmless '' letter from Bank of America. Bank of America is refusing to send the letter. I have offered to sign the letter and take full legal responsibility, but Bank of America continues to refuse to do anything. They call me a preferred customer, but they are unwilling to help me get my funds back. They told me the funds will end up going to the State. I have filed a complaint with the FBI Internet Crime Complaint Center, but have not heard from them. I have been working with Detective XXXX XXXX from the XXXX Police Department, report # XXXX. He is the only one who has been proactive and trying to help me out. Bank of America is not willing to do anything. XXXX XXXX going to the district attorney to find out how we can file a request to get the money back. Bank of America will not even let me talk to any manager or get any support from them. I contacted other banks and it is standard to accompany a wire recall with a " hold harmless '' document.

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 2018-02-18
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Wfds XXXX, NC XXXX ( XXXX ) XXXX The Wells Fargo Dealer Services is reflecting on my credit report as a hard inquiry. I have not spoke to, inquired nor discussed any attempt to obtain any services through the Wells Fargo Dealer Services. 

WFDS has no cause, right or permission to gain access or obtain any financial reporting information from my credit report and this inquiry is unsubstantiated.

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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Since Covid 19 struck in XXXX of this year, I've been unable to work. I reached out to Capital One customer service in XXXX to see how they were supporting those of us who were negatively impacted by the virus. I spoke to two different reps who all told me the same thing ... they were changing the minimum payment to {$0.00} instead of {$25.00}. At first, I thought that they were kidding, but no, that was their big offer to help those of us out of work. So, the bank would make more $ $ because our total balance would be higher! I wrote a letter to the president expressing my dismay and disappointment in the company. 

Then, yesterday ( XX/XX/XXXX ), I called customer service again because I realized that I had been charged {$59.00} for the annual fee. I called to let them know that I'm still out of work, and asked if they could waive the charge. I again spoke to two different agents and both said no. 

I will now be closing my account because this company doesn't deserve my business. I really don't know how the execs sleep at night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
someone opened an account with Amazon and then opened a Chase credit card. The account went delinquent and we did not receive collections le tters until the point of it being sent to an attorney office. I do not have an account with Chase for Credit Card or an Amazon Account. I have tried to make contact several times. and now they have referred this to an attorney. My request for information have not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The following accounts are not mines nor have I agreed or entered into a contract with any of these frivious companies with these false allegations affecting my credit files. Please send me physical documentation that Supports their claims if not I'm demanding the immediate removal of the following unknown and unauthorized accounts. 

1. XXXX XXXXXXXX XXXX XXXX 2. 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 explanation