BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: Chime Financial Inc
State: MS
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:
Over the course of XX/XX/XXXX and XX/XX/XXXX I was in XXXX  and didn't have my cards or phone. Someone hacked my account. Stole money. Have money away. All sorts of stuff. I want all that money refunded. Or I want to settle for XXXX $

Company response to consumer: In progress
Consumer complaint received 2022-07-02
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2022 I am writing to have American Express change their default email regarding payment due. 
They have many alerts and options once you call to complain, however there default is to email you a payment due email after your due date so you are charged XXXX late fees. 
The email is not sent on or before but after and it states your payment is due. It should say it is past due. I called and they did walk me through the process to change the alert to 5 days before, however this should be the standard. How many people pay late fees because they are notified AFTER? Their statement do come in your email however, when you have 5 email and receive many emails a day for business, you see the statement but may not have time to open it to see when it is due. A simple text or email stating the due date BEFORE it is due should be the default and would save many people a the XXXX late fee. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: LEXISNEXIS
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to file a formal complaint against Lexis Nexis for their persistent failure to comply with federal and state regulations regarding the accuracy and management of consumer information. Despite my repeated efforts over the past two to three years, including specific requests in XXXXXXXX XXXX XXXX Lexis Nexis has failed to rectify inaccuracies in my consumer profile, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

In my request dated [ specific date in XXXXXXXX XXXX ], I asked for the removal of inaccurate phone records from my consumer profile. Despite Lexis Nexis, in a letter dated XX/XX/ ( case number XXXX ( XXXX ), consumer number XXXX ), acknowledging these records as unverifiable and stating their removal, the enclosed consumer file did not reflect these changes. This non-compliance is a direct violation of FCRA, which mandates the correction of any inaccuracies upon discovery ( 15 U.S.C. 1681i ). 

Moreover, a subsequent communication from Lexis Nexis dated XX/XX/ ( case number XXXX ( XXXX ), consumer number XXXX ), contradicts their earlier acknowledgment, further demonstrating their failure to provide accurate and consistent information. This inconsistency not only contravenes FCRA guidelines but also undermines the purpose of FACTA in ensuring the integrity and accuracy of consumer information. 

Additionally, my subsequent requests for my consumer profile have been unjustly denied under the pretext of inability to confirm my identity. This action by Lexis Nexis is in clear violation of my rights under the FCRA, which guarantees consumers the right to access their credit information and mandates credit reporting agencies to provide it upon request ( 15 U.S.C. 1681g ). 

In light of these facts, I urge the CFPB to investigate these violations by Lexis Nexis and ensure compliance with federal and state laws governing consumer rights and credit reporting standards. I seek immediate rectification of my consumer profile and appropriate measures against LexisNexis for their non-compliance and negligent handling of consumer information. 

Enclosed are copies of all relevant correspondence and documentation for your reference. I also have recordings of the conversations with customer service representatives for your reference at your request. 

Thank you for your attention to this matter. I look forward to your prompt action and response. 

[ Enclosures : Correspondence with Lexis Nexis, Case Numbers XXXX ( XXXX ) and XXXX ( XXXX ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 been a victim of identity theft and my disputes are not being processed correctly. The paperwork I'm sending in is not being attached to my disputes and are not being followed according to the FCRA. And I am not getting copies of the verification process

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 2023-12-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX i requested Verification of the debt, including a complete breakdown of the debt amount, including any interest, fees, all payments made or other charges claimed, and proof that the original creditor had the legal right to sell a debt they claim i owe. 

On XX/XX/XXXX i get a response that did not provide any information to what i requested This was my second attempt for verification of debt from LVNV and they still havce not provided any proof. Meanwhile they continue to report this claim to the major credit bureaus causing significant damage to my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report shows two credit inquiry/inquiries that I did not authorize. I submitted the the request to Experian, with an attached FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or around XX/XX/XXXX I called them to discuss some late charges- there had been a system outage when I tried to pay my bill and u couldn't access the website portal to pay. They have excessive late fees, that are as much as the outstanding balance. I hadn't used my card in months but had a {$80.00} balance due to multiple late fees ( at least {$57.00} of that was late fees ). During the call they agreed to remove one late fee and I paid the remaining balance ( {$50.00} ). I was told this brought my balance to zero and even called back to confirm because the call got disconnected during the original transaction ( this dropped call issue has happened multiple times as well ). 

Today ( XX/XX/XXXX ) I got an email from them about my current statement, and when I checked it my balance was back up to {$45.00}. I didn't see how that was possible because I haven't used my card since XXXX and again I paid my balance in full on XXXX. Looking at my statement it shows there was still a XXXX balance after I made that payment on XXXX ( there should not have been because I paid the full amount they told me- {$50.00} ). I believe this means they never removed the late fee in addition to the {$50.00}, even though they said they did, which left me with an unpaid balance that then accrued more late fees, unbeknownst to me. I believe they are predatory in the way they charge late fees and make it confusing to simply pay your bill in order to avoid these late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 Charge : XXXX Merchant : XXXX XXXX : USAA Bank They started a dispute for a return the merchant did not want to accept of BRAND NEW PRODUCT, and then the merchant stopped communicating. USAA Then sided with the merchant saying it was a valid charge without further explanation, and after crediting my account, they charged me again. A multi-million dollar bank siding with the shady business instead of a 10-year loyal customer. While the merchants are being shady, the bank cover for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After making a dispute with TransUnion with CFPB ( XXXX ) and clearly showing evidence ( from the findings of a governmental agency ) of a discrepancy of the amount the buyer ( XXXX  ) and the seller ( XXXX ) claimed as the sale price of my loan AND also showing clear evidence of other defects of the alleged transfer AND while no party has furnished an actual bill of sale showing the amount of transfer, TransUnion is still showing my student loans on my report after their investigation. 

I have sent written evidence from a governmental agency that shows a factual discrepancy about the amount of the loan : a discrepancy about the amount of transfer. XXXX has not sent evidence of the actual amount that the loan was transferred for, and I have a right under FCRA to a credit report that is 100 % accurate.

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 2017-08-12
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My bank XXXX XXXX has fail to give me proper notice that they were offsetting out account .This was for a claim that they said that vendor never gave back to the bank back in XXXX and this claim was closed with approval letting that I was sent. The vendor told me they have given the money back. The bank gave me a letter in the mail the day of taken away fund. No proper notice was given to comply. I did n't receive the letter until the day of fund being recalled. They have now caused us a financial hardship. I have spoke with several reps in the company and they have slander and taken away more money that my bills are needing for living. I have XXXX children and me and my husband we are now facing a financial hardship. They have reluctantly stop me from recovery of fund and have slander many of time. This is not a place that we trust. Were in process of transferring banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-02
Company: EQUIFAX, 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:
I've called 4 credit bureaus including the three main ( XXXX, Equifax, XXXX and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated.

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Ref 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 2022-04-25
Company: EQUIFAX, INC.
State: SC
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:
i did not authorize nor consent to the following inquiries being furnished on my consumer report. XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Loan Companies XX/XX/XXXX XXXX This is a violation to all 3 credit report agencies XXXX, equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting 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:
Despite my previous 5 written requests, the unauthorized inquiries listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 5 dispute letters that they have verified that the unauthorized inquiries listed are accurate but they failed to send me copies of the documents that they used to verify these unauthorized inquiries as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the unauthorized inquiries is evidence that they can not and did not verify any of the unauthorized inquiries like they said they did. Their failure to delete the unauthorized inquiries that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I made a request to have the fraudulent information from Ideal Collection Services XXXX removed from my credit report, made request to the collection agency and the credit bureaus, XXXX and XXXX removed the information without any questions asked, since the collection agency could not provide any evidence that the debt belonged to me, Experian still reports this debt, despite the fact that I provided the FTC report.

Company response to consumer: In progress
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief