BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: LEXISNEXIS
State: AZ
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:
XX/XX/XXXX My XXXX XXXX Report # XXXX shows fraudulently a false entry on my credit report and is to be delete as it is not mine. 
Account # XXXX XXXX XXXX XXXX. Date of Order & Date of Receipt XX/XX/XXXX. XXXX XXXX Reference # XXXX. Risk XXXX claims Subject XXXX claim reported. THIS IS NOT MINE. DELETE ALL from Lexis Nexis and XXXX CRA 's. Further on page 1, On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cause of Loss Theft/XXXX Amt paid XXXX NOT MINE address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX & XXXX XXXX. NOT MINE. AND..On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theft/W Amount paid XXXX. IS NOT ME!!!!! And # XXXX XXXX XXXXXXXX XXXX XXXX Theft/XXXX XXXX paid . NOT MINE. AND # XXXX XXXX XXXX XXXX XXXXl DELETE its all FRAUD. You have wrong person. FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
Incorrect address reporting on my credit profile. My address is XXXX XXXX XXXX XXXX pa XXXXXXXX XXXX XXXXXXXX. All other address need to be removed immediately. These inaccurate address on my credit profile create identity theft risk and mail being delivered to wrong person.

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 2017-04-13
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am an XXXX driver and had a skimmer device steal my XXXX Fuel Card information, resulting in 3 fraudulent charges. After almost 3 months, XXXX still refuses to investigate the disputed charges or credit me for them. 
When I got gas at a station on XX/XX/2017, it said my XXXX Fuel card transaction was declined, so I had to put it on my own visa card. The station was XXXX, CA. XXXX. However, the XXXX charge later did in fact go through to my account in the amount of {$51.00}. Then on XX/XX/2017 two more bogus charges appeared on my XXXX gas card in the amounts of {$47.00}, and {$140.00} for stations I never went to. Also a third bogus charge appeared on my personal visa card in the amount of {$95.00}. A fill up only costs me about {$50.00}. I suspect that a card skimmer device stole my information on both cards. 
I reported the {$95.00} fraudulent charge to XXXX who immediately reversed the charge, blocked the card, and issued a new one. I also reported the other two fraudulent charges to XXXX 's card processor, Regions Bank, via phone, who said they could not do anything and all fuel card matters must be handled directly by XXXX. So I reported it in the XXXX on XX/XX/2017 and received a message about 24 hours later saying an investigation would be concluded within 5 days. After 6 days I contacted them and was then advised of technical issues preventing them investigating the charges or allowing them to block the card. I was finally able to cancel the card myself about XX/XX/2017 by finding a cancellation button on the XXXX website. 
As of this date, the fraudulent charges are withheld from my wages and no investigation has been started. I have attempted to communicate several times with XXXX to resolve this, however, as of XX/XX/2017 they still have done nothing citing technical issues. I feel that they are just stalling me with excuses and wish to make me responsible for the fraudulent charges, in violation of regulation Z of the Fair Credit Billing Act, and possibly California Labor Laws, which prohibits employers from deducting such damages from employees ' wages.

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 2020-10-07
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have pua from dept of labor the work force told me to appy for real beneifits they said id get 4 things a code a card wages statement and coraspondence mail I received everything but the card, card services said I get a card dept of labor said I get a card but us bank said I couldn't have two cards then a us bank letter came and said activate the card I dint have im telling my case worker about that right now but my other money is on a relic card and when I changed my address they locked my account with XXXX in it they have no right us bank says it is a offline team and they cant unlock it they are not suppose to be doing that I have since direct deposited my earnings and they are coming in but that XXXX they wont let it go I direct deposited my money from that card and all but that is going to the other account can you help me get my money?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX and Transunion. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit  bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.

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 2021-12-14
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 is the inquiry that is reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I hope you can help with the issues I am having with the credit bureaus. Back in XXXX I sent in disputes to the credit and I havent received anything from them. Here is a list of what need to come off my report. 
XXXX XXXX XXXX XXXX ) is over 7 years old and needs to be remove XXXX XXXX XXXX XXXX ( XXXX ) this is not my account XXXX XXXX XXXX ( XXXX ) is 7 years old and needs to be remove XXXX XXXX XXXX ( XXXX ) this is 7 years and needs to be remove. 

I have attached copies of the disputes from XXXX too. 
These things should already be off my report I dont understand why are they still on there after I disputed them.

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX - Checking account opened online at BMO Harris Bank with bonus offer code " XXXX '' which is a {$200.00} offer if 2 direct deposits of at least {$300.00} are made during the first 90 days of account opening. Offer stated that bonus would be applied within 120 days of account opening. ( I have attached the original email with the bonus offer and terms. ) XX/XX/XXXX - Direct deposit # 1 of {$300.00} posted XX/XX/XXXX - Direct deposit # 2 of {$300.00} posted XX/XX/XXXX - Last activity ( ACH withdrawal ) on account. {$0.00} balance XX/XX/XXXX - The 120th day of account opening, bonus should have posted by now. {$0.00} balance XX/XX/XXXX - XX/XX/XXXX statement ( XX/XX/XXXX-XX/XX/XXXX ) made available online. No activity in the statement, {$0.00} balance XX/XX/XXXX - I call BMO Harris to ask about the bonus. Rep says the offer code was not applied properly to my account and she will send the case to marketing team to investigate. She suggests I put some activity on my account to avoid account closure from inactivity of over 45 days. This is the first I 've heard of an inactivity closure. I thus send a {$1.00} ACH deposit to my account for XX/XX/XXXX from my XXXX XXXX XXXX checking account. 
XX/XX/XXXX - Account is closed without my knowledge XX/XX/XXXX - I notice my account has the status of " Purged '' when I login online. I call BMO Harris and ask rep to investigate why the account was closed. 
XX/XX/XXXX - XXXX XXXX XXXX says the {$1.00} ACH has failed because the BMO account is showing up as closed. 
XX/XX/XXXX - I call BMO Harris. The first rep explains that BMO Harris marketing team rejected my request to honor the bonus because I did not satisfy the requirements. Marketing claims that the requirements were to have a " recurring deposit deposit for at least 90 days from account opening. '' Rep then explains the account was closed for inactivity of over 45 days. I ask to escalate the account closure issue and he says there is no recourse for this. I repeat this with another rep and she tells me the same thing. I am told nothing can be done over the phone since the account has been closed.

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 2021-12-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2018, my car was repossed. I was not aware of any outstanding balances, as my finances were being handled by my grandmother while I was XXXX a service year with XXXX during XXXX. I immediately called the police when I noticed my car missing and they informed me to contact my lender. All communications were sent to my XXXX XXXX address not my XXXX  address. It took me about 2 months to review documentations and communicate with Nissan regarding the repossession and my belonging which were never recovered. My vehicle had money and other items of value such as clothing, electronics, shoes, and sentimental personal effects that are irreplaceable. I seeking to remedy this grievance by understanding if this was justified and to what extent since communication was not established>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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 never consented to authorize nor benefited from all Inquires, Block and delete them. If I have received goods and services from the furnished Inquires, Let Equifax have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
I was stupid enough to charge some items at MACY 'S on my Macy 's credit card over XXXX. I was unable to log into my account online to make the payment because Macy 's had updated the system and I simply did n't have the patience to navigate their irritating and obscure system. However, I called Macy 's and paid my bill for $ XXXX a day or two late - was assured that there would be no late charges because I was a customer in good standing, yada yada, and received a confirmation number that I had paid the bill in full. 

I then received a bill for {$2.00} in interest. OK, I agree - I had n't paid the {$140.00} on time, regardless of the reason. Whatever. So I paid that {$2.00} bill immediately, by check, and left the country for an extended absence - in complete confidence that I had paid all my bills in full. 

Imagine my surprise when I returned to the US and found that Macy 's had received and cashed my check, but charged me a further {$2.00} anyway as a minimum interest charge on the interest charge that had been paid in full, well before the due date. Oh, and then added a further minimum {$2.00} charge for a total of {$4.00}, due on XXXX. 

I called Macy 's right away and spoke to one XXXX, who did n't seem to have a clue why I was irritated, but eventually - very grudgingly and with full implication that I was a total deadbeat - agreed that she would " waive '' the {$4.00}. 

Imagine my FURTHER surprise when I received a FURTHER email from Macy 's about my " account balance. '' I immediately called, went through endless voice prompts, and finally got through to a live human being who said in hushed tones that she 'd have to put me through to another department. 

Sure enough, I got the " this is an attempt to collect a debt '' speech. The glorious XXXX, according to the faultlessly polite CS rep who answered, had failed to properly credit my account. He agreed that he could correct it and that my account would update eventually to show a {$0.00} balance. However, he was unable to reassure me that this, um, " delinquency '' had not been reported to the credit bureaux that make a darn good living off selling my info, and he could not send me a letter saying that Macy 's had made a mistake. Given that the glorious XXXX had also assured me that I had a {$0.00} balance on my Macy 's charge card, forgive me if I 'm not confident that I do in fact now have a {$0.00} balance. 

I do not give a flying whatever about my credit as I am old and cranky and do n't need any credit. I DO care that Macy 's total incompetence and the Macy 's system that is set up to fail, to their benefit and to consumers ' detriment, affects kids and other people who DO need good credit.

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 2019-12-18
Company: U.S. BANCORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We traded in our vehicle at a dealership when purchasing a new vehicle. Our current monthly payment on the traded-in vehicle was not yet due. After the purchase, the dealership did not send in payment for our trade in for over 45 days, despite numerous phone calls and in-person follow-up visits to the dealership to rectify the problem. As a result, both my and my husbands credit ratings plummeted over 100 points each! Shady practices by car dealerships!!!

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 2021-12-14
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EquifaxCredit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax Credit has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: NC
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 sent multiple letters to XXXX  XXXX and Equifax requesting validation of a Bankruptcy listed on my credit report as the information listed is not correct and I am aware that any thing listed on your credit report must be credit and validated. I reached out to the " original '' credit who is the Court and they stated that they do not validate anything. I wrote both Equifax and XXXX XXXX to give them an opportunity to verify that data. Equifax wrote back that they have validated it with XXXX XXXX therefore it was correct. I reached out to XXXX XXXX and they finally said that they do not even have a bankruptcy on my credit report. So my question is who is lying? I pulled my XXXX report and reviewed it myself and there is NO Bankruptcy listed so HOW did Equifax allegedly verify it with XXXX if its not listed. I have been keeping a record of the last communications as this has been going on since last year of shifting the blame. Now in I have proof in XXXX and white.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I 'm a single father and had need some emergency funds. I had reluctantly entered into a title loan agreement last year for {$2000.00}. 
On XX/XX/XXXX I called my lender to find out when my payments would be complete. My " original '' end date was supposed to be XX/XX/XXXX and I had come to find out that the contract had been pushed back to XX/XX/XXXX!! How can any company be allowed to extort another {$3000.00} when all my payments had been made? I had been unemployed earlier in the year so there are some payments that have been late - but ALL payments had been made or caught up. No one ever notified me of this contract extension obviously setup to exploit extending this loan or take my vehicle.

Company response to consumer: Closed with explanation