BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After checking my credit report with XXXX, XXXX and XXXX I noticed that, LexisNexis a company I had no ideal about, has been reporting inaccurate information to the Bureaus regarding XXXX XXXX XXXX XXXX  Bankruptcy and a few other incorrect information such as the spelling of my name, address etc.. I disputed this information. On XXXX XXXX LexisNexis sent me a notification stating that the information is unverifiable or accurate. The dispute notification does no provided in detail what information was investigated. On XX/XX/2023 I opt-out the sharing of my information. XX/XX/2023 I received a update regarding reinvestigation, again LexisNexis states all information has been verified. XX/XX/2023 I disputed the inaccurate information on my Credit Report again, I also reached out to XXXX and the Federal Court regarding the Bankruptcy. The letters from the courts has been provided to LexisNexis, no response. LexisNexis has violated my privacy right and inaccurately gathered my personal information and sold to the Bureau for there own personal gain even after I Opted-out of sharing. I have contacted LexisNexis several time about this matter and was told that, XXXX XXXX has the option to decide what consumer information is permissible to sale/share without the consumer consent. The inaccurate reporting has cause a great amount of suffering for me and my family. I request this inaccurate reporting by LexisNexis be removed ASAP. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
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:
In accordance with the credit Reporting act XXXX Account XXXX 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 explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-22
Company: PENTAGON FEDERAL CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A month ago, I had contacted PenFed CU to get access to my online account so I could pay my bill. My phone number had changed so when trying to login into my account, I couldnt get passed the verification because it was linked to my old number. I spoke to a lady who said she couldnt help me and the only thing I could do was to mail a copy of my drivers license and phone bill. I did that, then got an email saying the info provided was insufficient and no solution to help me getting online. I called today, spoke to a gentleman who said they have the info however they needed a colored copy of my drivers license. The guy said I could upload a new copy of my drivers through an online portal. Then he advised I would need to call back in 2 hours and they could move forward with updating my phone number. What does it matter if my drivers license copy is in black or white or colored?! 
This has been a ridiculous long and tedious process. My credit has been hurt and still waiting to get my account paid.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 explanation
Consumer complaint received 2022-08-20
Company: Bread Financial Holdings, Inc.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spoke with the company previously regarding making payments through their website. They keep saying that they can't take my payment but then contact me multiple times saying they are trying to collect on a debt. I have mentioned to them previously that their dialer system contacts consumers multiple times in one day and this is in violation of my rights. I was told it was fixed. Today, XX/XX/2022, I received 5 calls between XXXX and XXXX XXXX. I believe this to be annoying and harassing as well as against my rights as a consumer. I asked again why I can't make payments through my account online only to be told that they are still doing " updates ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) States I have the right to privacy. 

15 USC 1681 section 604 ( a ) section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 1681sXXXX ( A ) ( XXXX ) person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortage for our home through Newrez LLC XXXX # XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX PA XXXX. 

Our loan number is XXXX. 

We have been paying PMI since we got the mortgage but on XX/XX/2022, we submitted an application to have the PMI removed. 

Newrez sent a appraiser XX/XX/XXXX to review the property. From then on, I followed up with the appraiser to see if he sent the appraisal over to newrez which he confirmed. 

From then on, whenever I call to NewRez, they keep saying that the application never came through, or that I have to wait a week to call back and keep repeating the same information over and over again. Based on what our comps are we know that we have enough equity to not have to pay PMI but we are having a hard time getting hold of newrez. 

To me, it looks like a deliberate attempt to avoid having PMI charges removed from our loan. I would appreciate if CFPB can follow up on this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22
Company: Finance of America Holdings LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Finance of America Reverse, LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OK XXXX, XXXX XXXX XXXX located in XXXX CA XXXX XXXX Their closing company : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Improper Appraisal Delay- The direct reverse lender Finance of America Reverse LLC. , delayed the appraisal. 
After refusing to take any responsibility and falsely claiming that they had not delayed or cancelled the appraisal, without apology, they eventually agreed to honor only the original loan application terms -- even though they caused the 120 day HUD terms and rates lock to expire. 
The exact words from the manager XXXX via email were, We will honor the terms executed when the application was signed. 
However, not surprisingly, the closing paperwork that we were presented and signed had completely different terms than the application, with a different rate, added fees, etc. 
Even after mentioning the above bait and switch tactics, they still refused to correct their shady behavior, selectively ignoring numerous emails asking for clarification. While they eventually responded, they did not answer all of our specific questions. 
We have evidence indicating that they did delay and affected the cancellation of the appraisal, despite their fabrications made to the contrary. 

Furthermore, the last quote they agreed to was for better terms, including a fixed rate, which they refused to honor. 

Trust- They also improperly refused to accept our Certification of Trust, instead demanding the entire trust. This action unambiguously violated California Probate code 18100.5., stating that ( a ) The trustee may present a certification of trust to any person in lieu of providing a copy of the trust instrument to establish the existence or terms of the trust. 

I provided numerous opportunities to provide transparency, but it is clear that they have been getting away with these and other tactics for a long time and think that they are above the law. While they are nice salesman in the beginning, they showed their true colors after they got us hooked. Rates went up, so they want to lend at the higher rates. It also seems obvious that they do not have sufficient staff, including having a resolutions team to solve problems, as most other direct lenders. But it is the lack of truthfulness that is really problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Block, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash app allowed someone to access my account and change all of my information stealing hundreds of dollars from me. This happened on XX/XX/19. I called Cash app and had all of my old card numbers, could verify the amount of the deposits, I could verify the old information prior to the change these hackers made, all of it but they stated they could not get me in and would not help me gain access to my cash app account again. I was told that because it was changed by them I am just out all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see below inquiries : INQUIRY XXXX  XXXX XX/XX/XXXX INQUIRY Us Small Bus AdministrationXXXX XXXX, XXXX INQUIRY XXXX XXXX, XXXX I am hereby notifying you that neither on that or those dates similar did I authorize any individual from listed to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this informationplease remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report this information and as of now you are not doing that. I look forward to the credit reporting ageny resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

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 2022-07-27
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Barclays closed our credit cards for no apparent reason and with no notice. We have been long term customers, have excellent credit, never missed a payment, and had a {$20000.00} credit line. Barclays has declined to reinstate our cards. I have a Barclays issued case number : XXXX. 

Credit card number : XXXX XXXX XXXX XXXX, expired XX/XX/2022.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/2022 my information was used for a credit card inquiry at XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. It was reported to me on my XXXX XXXX XXXX wise report via TransUnion. 
XX/XX/XXXX I called XXXX XXXX XXXX to tell them I did not attempt to open a credit card and to stop this and report it as fraud. I was told the Credit card was canceled and was given a reference number XXXX. 
I created an account on IdentifyTheft.gov and continued to call all three credit agencies to put a freeze on my account. On my first call with TransUnion I had them put a 1 year fraud alert on my account. They told me in order to remove the inquiry from my credit report I would need to get a letter from the FTC and this is what has me here.

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 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was involved in a rental occupancy scam on XXXX XXXX, I sent out payments to who I believed was the homeowner in good faith, was giving a lease to move into the property and found out on XXXX XXXX that I was a victim of a rental occupancy scam. I have a police case XXXX with the castle hills police department. I also filed a scam fraud report with the XXXX, FBI, FTC, and the attorney general. BoFA sent me a denial letter without asking for any supporting documentation about my open investigation. I am a victim of a fraud scam how can you deny my claim without asking for proper documentation.

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 2022-04-23
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX, a federally protected consumer. I am making this complaint against EXPERIAN because they are in violation of the FCRA. I sent a letter out on XX/XX/2022 that was received and signed by an employee of EXPERIAN on XX/XX/2022 that is confirmed via return receipt which I have attached as Exhibit A. In the letter, I stated that there were names and addresses that shouldn't be on my consumer report and how my name and address should appear on my consumer report, which is my federally protected right per 15 U.S. Code 1681b ( a ) ( 2 ). When I received my updated credit report from EXPERIAN, this request was completely ignored and they kept these incorrect names and addresses on my report despite me sending in identification to verify myself. EXPERIAN is responsible for being fair, providing equal treatment, respecting my right to privacy per 15 U.S. Code 1681 ( a ) ( 4 ), and practicing due diligence in ensuring complete correctness, which they have miserably failed me. I provided explanations of why these addresses should not be on my credit report, which I have attached as Exhibit B. EXPERIAN has appointed themselves in a role that has affected my life ( without my permission ) and with that, is suppose make sure that the information is to be fair and equitable to me, but it is not. It is only fair and equitable to 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 explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX in Oklahoma, has multiple times reported incorrect information to our credit reports. I have reported to the BBB and it was fixed for a short period of time then it was all removed. My score has dropped to the XXXX from XXXX because of it. I looked at the reviews online for this company and there is over XXXX consumers complaining about the same problem. Our mortgage was sold to them during Covid. Since they have destroyed our credit it has cost us tons of money! The hit to our credit is now preventing us from refinancing with a different company. I am contacting a lawyer! They have already been sued!

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 2022-08-20
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: Information belongs to someone else

Complaint:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX Experian and XXXX XXXX all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS

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