BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-17
Company: LEXISNEXIS
State: WA
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:
LexisNexis is a consumer reporting agency that sells a variety of types of reports about consumers. Two of LexisNexis ' types of consumer reports are called CLUE Property and CLUE Auto, which contain information about a consumer 's property insurance and auto insurance claims history, respectively. The CFPB is aware of these reports : https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/comprehensive-loss-underwriting-exchange/ In prior years, I was able to obtain my CLUE Auto and Property consumer reports for free annually from LexisNexis as required by federal law. This year, LexisNexis has changed their consumer report web site. The new site at https : //consumer.risk.lexisnexis.com provides a web form for requesting a full consumer disclosure from LexisNexis. 

I requested my full consumer disclosure from LexisNexis using this web form on XX/XX/2020. LexisNexis recently provided me my consumer disclosure in response to this request, but the disclosure did NOT include my CLUE auto and property reports as expected. The disclosure I received is therefore not a full file disclosure and I do not know what else might be missing. 

The changes to the consumer disclosure web form on LexisNexis ' web site does not provide an option to request these CLUE reports, nor does it enumerate the types of reports that LexisNexis creates about consumers. This makes it impossible for your average consumer to know if their LexisNexis consumer disclosure actually contains all the information LexisNexis is required to provide. I know the CLUE reports are missing because I have received them in past years, but the average consumer has no way to know. 

LexisNexis needs to provide me with my FULL file disclosure, including ALL information that it stores about me. LexisNexis also needs to fix their consumer disclosure web site and internal processes so that ALL consumers receive full and complete disclosures in response to a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am submitting this complaint against Transunion for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX  I need TRANSUNION to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-06-15
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 I noticed a hard Inquiry was placed on my credit report from SYNCB/TJX CO I did not apply for a credit on this date this company has been giving me the run around for months!!!!! They keep telling me they are going to remove the hard inquiry and they have not removed it to this date!

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 2022-04-06
Company: Priority Financial Network
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My file was submitted to this lender over 40 days ago. The co. decided as were were trying to get the loan docs and close by XX/XX/12 that they felt the property was too rural. Its about 15 minutes from XXXX XXXX. I am in a XXXX exchange and now the whole deal is blowing up. They knew from day one the property address and should of stopped the loan in the beginning. I had to pay XXXX for an appraisal and was told it would only be XXXX. Then they did an appraisal review which is attached and that verified property value. They refused to talk with myself or my loan officer. My interest rate was locked and I think they just do not want to honor the rate and canceled, This leaves me in a huge quandry with almost XXXX jepordized because of the XXXX exchange. I am also past my 45 days to identify so even more issues. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Acct has XXXX $ balance please delete from my Equifax and XXXX credit reports! You cant collect from a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a Merrill Lynch credit card on XX/XX/XXXX and was approved on XX/XX/XXXX. I was supposed to receive XXXX points after spending {$3000.00} in the first three months. You can use XXXX points to buy an air ticket up to {$1000.00}. After I spent {$2900.00} in the first month, the bank decided to cancel my card without any warning or any explanation. I called on XX/XX/XXXX, and  was informed that my account might be reopened if I go to a financial center and bring two pieces of ID and proof of income to be faxed to that department. I went yesterday to XXXX and talked to XXXX XXXX. I brought 4 different forms of ID : my DL, my " green card '', my social security card, my XXXX trusted traveler card. I also brought my marriage certificate, and two years of my tax return transcript downloaded from the IRS. On XX/XX/XXXX, that office has informed us that they had received no fax, and I had to go again. Later on XX/XX/XXXX, I received a call telling me that they were unable to verify my identity. The manager XXXX XXXX told me that their system can not verify my identity and my account will remain closed. I have accounts with at least 5 other banks and none of them ever questioned my identity. I believe that they created this excuse to deny my signup bonus. They refused to tell me what it wrong with my documents and made me feel as if I am a thief. I believe that they selected me because of my XXXX last name. My husband, who is not XXXX, opened the same type of account earlier this year and they gave him the bonus without ever questioning his identity.

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 2022-08-12
Company: EQUIFAX, 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:
I am XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: EQUIFAX, 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 third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Am Having A Problem With my Bank Of America Checking Account i Was Charge {$35.00} Dollar Overdraft fee on my Account for a Transaction From XXXX I Contacted Bank Of America Customer Service to see if they would help me remove that fee from my account i never had a overdraft fee on my account please help me with this problem please

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 2017-10-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is retaliating against me for filing a complaint with your office. I complained that they have in effect stolen my Hurricane Harvey insurance proceeds by refusing to cash the check locally. They have forced me to sign the check and mail to South Carolina. They have delayed the restoration of my flooded home by 10 days. I have no check and no information on when said check will be sent to me. Today I received a " hold wells fargo harmless form '' This is EXTORTION. This document was not on any list of required documents. This only came after I filed a complaint with your office, my senators, us representation and XXXX " reclaiming my time '' XXXX on the house banking committee. Wells Fargo has indeed harmed me by hold {$53000.00} without paying me any interest and delaying necessary work on my home. I doubt I will have a contractor by the time they get around to reissuing the check. He is getting more and more jobs EVERY DAY. And I ca n't get him started on my home. I have tried to work with a " customer resolution specialist ''. They call and are so very sorry I am frustrated but they know NOTHING. They are going to look into it.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
There has been a violation of my privacy as well as my consent to what is being shown on my credit report under the Consumer Law, 15 USC 6802, which states : Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties.

My information that I consider to be very private and confidential has been shared without me being aware, and I was given zero notices to have any choice to opt-out of anything.

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 2022-04-06
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: Investigation took more than 30 days

Complaint:
I am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I called Citi Bank regarding a letter received about being enrolled in an Optional Debt Program without my consent. The letter gave no information other than the last four digits of a account number, a tracking number, and a reference number. I had to go online to locate a customer service number to inquire as to when this occurred and the account number. I called Customer Service ( XXXX ) XXXX-XXXX and spoke to XXXX. She read a scripted message referring me to the " refund website to file a claim ''. I asked for further information and she said she had none and also refused to give me the Corporate Office phone number or address. When I told her I ca n't research my records without a account number or time frame she hung up on me. I called back and asked to speak to a Manager and was transferred to XXXX. She also read from a scripted message and said they had no other information. I then realized that this problem sounded like the Consumer Fraud problem that happened at XXXX XXXX and they must be trying to correct something they did illegally. I now see that they were also caught adding illegal charges to their customers since XX/XX/XXXX and have to pay out a large sum of money to current and former customers. It 's a shame that Banks have done this for years and do n't have to provide records to the customers who want to verify for themselves how much they are owed. Why should we trust them now for a refund when they claim to have no information on the account? How do we know they are suddenly honest? Is there a way to verify my account as the letter says " our records reflect you were enrolled in a Credit Protection program without your consent ''. Should n't they have to provide me with the information since it 's still in their records? 
They should also train their employees in Customer Service how to talk and handle customers, but of course why should they care if they cheat and lie themselves. 

XXXX XXXX Reference # 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 2022-04-06
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXXXXXX Balance {$190.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX and XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2019 Made with : Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IN REGARDS TO : ALLY FINANCIAL P.O. BOX XXXX XXXX MN XXXX. I REQUESTED DEBT VERIFICATION BY REASON THAT THE ACCOUNT IS REPORTING INACCURATELY BEING FIRST REPORTED ON XXXX XXXX. HOW IS THAT POSSIBLE WHEN THE ACCOUNT DATE OPENED DISPLAYS XXXX XXXX? ON TOP OF THAT I HAD NEVER BEEN LATE WHICH IT SHOWS SEVERAL LATE PAYMENTS. I ASKED ALLY TO PROVIDE INFROMATION REGARDING MY ACCOUNT UPON REQUEST. IT WENT UPON DEAF EARS. I GOTTEN NO RESPONSE. ALLY FINANCIAL AGENT RECEIVED THROUGH CERTIFIED LETTER XXXX XXXX SIGNED BY XXXX XXXX RECEIVED ON XXXX/XXXX/XXXX. TODAY WHILE CHECKING MY E-MAIL I RECEIVED A NOTICE FROM MY CREDIT MONITORING SERVICE. ALLY FINANCIAL REPORTED TO XXXX THAT THE ACCOUNT INFORMATION DISPUTED BY CONSUMER MEETS REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT.

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 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Back on XX/XX/2019 I submitted a complain against Capital one for a negative hit on my credit due to missed payment in XXXX of 2019. I know for a fact that I logged onto the system and made a payment at www.capitalone.com and that there must have been a system error and my payment was not posted. As you can see I have impeccable payment history with them with my credit card. I also have a auto loan through them with the same excellent payment history. It does not sit well with me knowing that this may have been a system error and that they are not willing to reverse this negative hit on my credit report. I am again appealing the decision asking them to take into consideration my payment history with them and reverse this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Two checks for repairs were issued by insurance company to customer. Both checks were made out to the customer and the repair facility. The bank allowed the customer to cash both checks with only the customer 's endorsement. Now the customer refuses to pay the balance of the repairs.

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