BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: LEXISNEXIS
State: NY
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: Problem getting your free annual credit report

Complaint:
Sent letter with attached application, copy of passport and utility bill to LexisNexis/XXXX over four weeks ago asking for annual disclosure. I called on XX/XX/XXXX to ask for the status of my disclosure. They only acknowledge receiving it on XX/XX/XXXX with no other information as to what is taking so long. I was told a " ticket '' would be put in for more information. 

They claim it was sent out on XX/XX/XXXX. No report has come in the mail yet. 

LexisNexis has a history of failing to send reports, taking a long time to process requests and ignoring complains from me. 

See previous complains : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to SYNCB/PPC because I am having difficulties with buying a house and applying for new credit cards. I paid the XXXX account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/PPC company to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2021

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 2022-05-04
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 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 further violating FDCPA 809b per the FTC opinion.

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 2022-05-04
Company: EQUIFAX, 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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 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 further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear  grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation 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 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-06-21
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 I Applied for a Refinance thru my current Lender US Bank which took over XXXX mths to close without any reasonable or good cause. I requested multiple times to my agent a Supervisor or a Response and it just dragged for what I truly believe was a Discrimination due to my XXXX and my sons XXXX. In XXXX I finally closed after my persistence with them and in XXXX I also involved HUD to do an Investigation which I am currently waiting on decision. 

I honestly did not expect this treatment from Us Bank nor I want this to happen to another person due to their ethnicity or 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 monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 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 further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: Square Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I sent money via CashApp to someone. The money quickly left my bank account as it is tied to my debit card. The next day, XX/XX/XXXX, the money was refunded via CashApp by that person as the transaction between the 2 parties was cancelled. I received a notification via CashApp that the money would reach my accound by Wednesday, XX/XX/XXXX. When the money did not return to my checking account, I reached out to both CashApp and my bank to attempt to resolve the issue. CashApp has been giving me generic responses with information that my bank can not use to track the funds. Today marks 5 business days that I was supposed to wait for the transaction and the funds are still not showing up anywhere on my end and they are not on the other end of the original party I sent them to. After reaching out to CashApp, there is no sense of urgency to solve the problem as they see it's now the problem of my bank. I am beyond frustrated that I am not getting any further with them and have no other information from them other than a " transaction number '' that is supposed to reveal where the funds are. My bank says otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving daily calls from Mercantile for about the last month. have not called them back. We have excellent credit rating and owe no debts. Always the same message, to call back with a reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX 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

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 2022-05-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is inaccurate information on my credit report that has not been lawfully verified before being reported on my credit 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 explanation
Consumer complaint received 2019-07-22
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a notice in the mail from Convergent USA claiming that I owe debt on a XXXX  cell phone account that was closed and paid in full. As soon as I received the notice from Convergent I contacted both Convergent and XXXX to ask them what the debt was for. Both companies refused to provide this information. I have repeatedly attempted to work with Convergent and have provided them with proof that the debt is not mine. Convergent continues to refuse to provide any information on the source of the debt while simultaneously trying to collect money from me.

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 2019-07-22
Company: CITIBANK, N.A.
State: KY
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:
I disputed a credit card transaction after numerous unsuccessful attempts to resolve the issue with the merchant ( XXXX XXXX ). They simply did not respond to any of my complaints. The company acted in a fraudulent manner and gave me false and misleading information to obtain the sell. I did not receive the correct tires or installation services I paid for. The card issuer Citi Cards failed to dispute my claim properly. They failed to contact the merchant for a response to my dispute. I provided ample and detailed information and multiple documents in regards to my tangible and non-tangible purchases. Citibank determined the outcome in favor of the merchant without considering all the evidence I provided to them. Citi Cards did not mandate the merchant to issue a refund.

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 2021-11-10
Company: DISCOVER BANK
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 information incorrect

Complaint:
Old late payments keep popping up which wasnt late auto loan. 
Discover is reporting negative and its not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: United Debt Holdings, LLC
State: FL
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:
Received call from agency on my cell number claiming they were collecting on behalf of XXXX XXXX XXXX. Stated that I owe {$2000.00} and the funds were deposited into XXXX XXXX XXXX and they plan to file a civil complaint and seek judgment. I requested verification of debt but the agent stated they would set a court date sometime mid XXXX then hung up. I then called XXXX XXXX XXXX to find out about the debt they say I owe but the representative stated they did not have my file and that my file was sent to United Debt Holdings LLC. Tried to call could not get anyone on the phone. I checked the XXXX website and United Debt Holdings , LLC is no longer in business. Not sure what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I sent in a previous complaint and you responded to me that Chase was still working on it. I have included a copy of my last statement showing the funds were available. 
Another document I'm sending in shows and proves I paid a late charge on my rent and got an eviction notice because they said I presented a fraudulent check. 

How can it be a fraud check when the funds show its in my account? At least that is what a XXXX in the Executive office said yet the bank wont release the funds after telling me the funds would be available on XX/XX/2018. Today is XX/XX/2018 which has given them 25 days to work on it. They told me they can only be placed on hold to whomever they were calling yet they expect their customers to be on hold for 45-60 consecutive minutes. 

They have caused me all kinds of undue stress. My XXXX money came in On XX/XX/2018 like it was supposed to be but they didnt release it to me until two business days later making my rent late. I have included the proof on that. I didnt however get the letter regarding a dishonored check when they claim the account was restacked not close but look at the attached letter stating dont use checks, cancel all direct deposits and online bill pay. Does that sound like a restricted account? A XXXX at the Branch on XXXX says that its pending closing because of that check. They didnt even give it adequate time to take its course. 

Now I would like to know who within Chase and what address can he or she be served at so that I can sue them in small claims court? Last I heard I can sue for up to {$10000.00} and I am going for the full amount for all the undue stress and not having reasonable expectations as to when everything will be taken care of. So tell me how much more time do I have to wait, its already been 25 days. After all they told me from the beginning its going to be two business days and not weeks. 

They, being chase, told that to XXXX XXXX where my high interest money market account was that I presented Chase with a fraudulent check. 
Next thing I know is that XXXX XXXX called me to tell me they were closing my account because of fraud. They have no proof of fraud on my part. Infact, they still have some of my money, it isnt much but they wont return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX  - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( Transunion and XXXX ) Incorrect Address : XXXX XXXX XXXX  ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: NETWORK FUNDING, L.P.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am the buyer of XXXX XXXX XXXX in XXXX XXXX. My wife and I signed a contract with Colina homes back in XX/XX/2021 before building started in the subdivision. The builder force us to use their in house lender Colina Mortgage for the loan. We accepted to use Colina Mortgage because we want the transaction smooth and trouble free. 

We started working with XXXX the loan officer and manager of Colina Mortgage back in XXXX, and everything goes well, On XX/XX/XXXX, Colina Mortgage confirmed that underwriter had approved the loan. The closing date was set for XX/XX/XXXX. On Thursday XX/XX/XXXX around XXXX, I received a call from XXXX the mortgage manager indicated that their clericalerror woulddelay closing and on Friday XX/XX/XXXX afternoon was notified by email closing might be on Monday, and any extension fee covered by Colina XXXX On Monday afternoon, XX/XX/XXXX, instead of closing, the loan officer notified me in the afternoon that theloan was rejected and the contract will be canceled. She said she offered other solutions to the Biulder to correct loan but need to extend closing dates, the build simply refused and intend to terminate contract due to their in house loan companys mistake caught right before the close. 

We offered to pay cash instead but I was denied too. We have requested the written explanation from Colina Mortgage why our loan get declined at the last minute without any previous notice, but no response so far. 

If the Loan can not be closed on time due to Builders own mortgage companys mistake at last minute, how can builder not accept cash close and not even apologize to us for their delay? Instead, all they tried to do is to cancel the contract.

Company response to consumer: Closed with explanation