BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I sent this company letter asking for my credit report, and to update my information while deleting any other incorrect information on my report. **Will attach letter** It has been well over the time given under the FCRA for as compliance for this company to respond to this request. This request is nearly 30 days past due. By the time this complaint reaches the company it will be beyond 30 days past due. 

This company refuses to either send me my credit report. And/or correct these negative items. While it is possible they did not receive this letter, this letter was also sent out with 2 other companies who did receive a similar request and did send and correct this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: FL
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 am the natural consumer XXXX XXXX, completing this report by myself, with no help from any organization or other person. 

I did not consent to Authorize nor benefit from this account. 

Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I never provided written to any agencies to report on my behalf. This is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello ... My daughter and I has a Joint Account with this particular Bank..and shes also A XXXX In The United States XXXX ... On XX/XX/2019.. I deposited my XXXX   check mobile ... like I always do every 2wks ... I made 5 Transactions afterwards ... Then I checked my balance like always ... ... So ... The next morning XX/XX/2019 ... My daughter texted me and asked whom was this lady that XXXX my account ... I asked her what lady ... I dont know anyone by that name ... and that someone had deposited a couple of thousands in my account also ... and took hundreds out of my account ... There were Thousands of dollars deposited in my daughters account as well ... Do I asked her what is going on..so she called the bank and they told her the checks will have to clear ... So she asked about my account ... but they wouldnt give her any information ... so I called to see what was going on ... They told me the checks will have to clear before they can investigate ... and it will take until XX/XX/2019 to clear ... So ... I asked them what am I supposed to for 2wks ... that was 80-90 percent of my check gone ... ... So for a whole week I kept calling to see what was going on ... They still couldnt give me any information ... So..My daughter and I got on a three way call ... To talk to the manager or someone in the Fraud Department ... Theyre asking us did we give anyone our information ... Which was  insulting our intelligence ... Apparently my daughters and my Identity was stolen in order for this to happen ... and that bank is telling me I cant get my money back and it wasnt fraud ... so that left my account in a negative ... I seen some reviews on this banks site and there were some similar or the same issues happening to other people ... Im reaching out to ever Bureau, the police department, News affiliate etc ... Because this isnt right at all ... Hoping that something will get done ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: World Acceptance Corporation
State: MS
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 has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated attempt through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi closed my credit card account during the conversation with out reading disclosures. phone was cut off so I thought my account was still active but it was closed when I checked online. I asked Citi to re-activated but they informed me that I have to apply for re-open which I did and City declined my re-open request saying I have existing Citybank card was past due. I have no delinquent on my credit report it was missed place auto pay on their website and I got charged for late fee so argument was started. I paid for late fee but it was still in grace period and not even late enough to report to credit bureau. I feel so discriminated both on the phone talking to supervisor and rejected my re-open request by Citi Bank. 
Received a letter from Citi dated XX/XX/2019 stated I have to release credit from frozen. 
I called credit bureau and unfrozen and called Citi on XX/XX/2019 notify them it's released. 
I called to check my application couple of times but never got updated. 
I sent out the letter asking what's going on with my application dated XX/XX/2019. 
After one and half month after I received a letter saying it was declined. 
Please see attached letter dated XX/XX/2019 and XX/XX/2019.

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 2018-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
There Was Previous Case Against Capital One 360 and they made a Decision on Not Opening Any Future Accounts With My Information and Identity I XXXX XXXX Was A Victim Of Identity Theft and i never Gave Capital One Permison to Open any Accounts With My Name In The Pass. and i Was Told Bye Capital One That They Have Ended The Relation Ship and that their Are Not Going To Open Any Accounts For Me In The Future and they also marked and block me from Opening New Accounts With XXXX XXXX and XXXX and i Never Open This Accounts with Capital One 360. 

Capital One Refused To Accept Police Report Any Type Of Evidence Showing that this Accounts Where Open Fraudulent and Capital One Wont leet me Open Any New Accounts Because Of This Incident..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fare credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 
Account name XXXX, XXXX, Experian have violated my rights. 
15USC1681 section 602A states that I have the right to privacy.

15USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1681C. ( A ) ( 5 ) section states no consumer reporting agency will make any consumer report containing any of the following items of information, any other adverse items of information other than records of conviction of crime which antidate the reporting by more than 7 years.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: NY
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 submitted a complaint to Experian, XXXX and XXXX. about some errors that I found while looking over my credit report. For some reason Experian failed to investigate my disputes. I sent another letter out and got no response. Im not sure how Experian comes up with this FRAUD DISPUTE suspicion. Experian and XXXX verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2.  XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

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 2019-09-19
Company: JPMORGAN CHASE & CO.
State: FL
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:
I opened a Chase Freedom Credit Card in an around XX/XX/XXXX. In XX/XX/XXXX, Chase closed my account. Since this time period, Chase has been unwilling to work with me and has consistently provided me with rude customer service. Several times they had claimed that payments were returned due to my bank accounts being restricted. I have checked with all financial institutions with whom I am an owner of an account and have confirmed there were no restrictions and all my accounts that I have provided to Chase to make payment are open and active. Due to the difficulties imposed by Chase on paying this account,, I requested a settlement on this account, beginning in XX/XX/XXXX. My requests were repeatedly denied, as well as several attempts at a payment plan. In XX/XX/XXXX, I entered into a Settlement agreement with Chase regarding this account, in the amount of {$2800.00}. It was my intention to pay this account off by XX/XX/XXXX. Due to Hurricane Dorian possibly making landfall over Florida and that I work in the tourism industry, my finances were severely affected because if business becoming slow, lack of hours etc. I contacted Chase on XX/XX/XXXX to see if I could move payments back to XX/XX/XXXX, with a final amount due being paid by XX/XX/XXXX. My request was denied and I was told that if I do not pay the entire balance by XX/XX/XXXX, my account will be charged off early and Chase does not have to wait the normally required 90+ days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, XXXXAccount name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
late payment reported on XX/XX/2021. All payment was paid on time direct deposit was set up.

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 2019-11-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a private loan with Navient and the company gave me option rate reduction for 9 months and this could have been extended to 36 months I was told on the phone ( 9 months ago ) I set up ACH through my checking account to pay this. Now after 9 months they do not want to re-evaluate my situation ( my financial income has not been changed since 9 months ago ). I called Navient today I was told the rate reduction does not apply to me any more. I asked for them to provide me a letter reason why I can no longer be eligible for rate reduction the answer was " we do not have to provide that to you ''. I believe based on my income I am not able to pay both student loans private and government unless there will be a reasonable solution to this. For past 9 months rate reduction has helped me temporarily continue living above poverty and attend school. I believe Navient deliberately creating all kind of obstacles to repayment and their action is illegal and they are discriminating based on my origin ( my name simply can provide my nationality ) they refused to this day backing up their claims in writing and that is a red flag. 
I am willing to pay my student loans based on my income. I am contacting my senator and state reprehensive to my area to informed them about this fraudulent activity from Navient. The company has been under fire from other borrowers for same reason which is called a " deceptive business practice ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.

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 2020-12-10
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: Investigation took more than 30 days

Complaint:
Sent letter of dispute of inaccurate items contained in ccredit report on XXXX/XXXX/2020. As of todays date XX/XX/2020 I have not recieved any corespondence from the credit bureau. This is well over 30 days.

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 2020-07-15
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:
I have accounts on my credit file thats due to fraud I contacted the credit breau and nothing hasnt been done

Company response to consumer: Closed with explanation