BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: LEXISNEXIS
State: MT
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 tried multiple times to correct errors by sending dispute letters and I have contacted XXXX XXXX XXXX  by voice with no result so I would like to request that CFPB step in and help. On XXXX XXXX I Received a LexisNexis Report. Consumer Number XXXX, XXXX XXXX XXXX. My first concern is that I have Security Freezes on all the credit reporting agencies including XXXX and LexisNexis. How was this information sent to LexisNexis from XXXX with the security freeze in place? I will attach page 1 of 20 showing the sharing of my credit information. The second Error I found is the accurate reporting of information on my LexisNexis - XXXX - XXXX XXXX XXXX  credit information. BY Law FCRA Section 611 Furnishers and Credit Reporting agencies are to report information Accurately and is Complete If information is incorrect or incomplete the account is to be DELETED. Located on Page 5 of 20 XXXX XXXX XXXX  Report contains multiple ERRORS. XXXX XXXX XXXX XXXX Account Number XXXX. This account was reported for incorrect amount of {$24000.00} correct amount {$24000.00} ( INACCURATE ) .I will attach a copy of the from XXXX XXXX XXXX  which will show the payment history - which will show the errors. ( ERROR 1 ) - Status ( Discharged through Bankruptcy XXXX XXXXNever late ) This account was not discharged but was REAFFIMED meaning the account continued to be paid - paid in full with a zero balance,. ( ERROR 2 ) The payment history shows payments through XXXX of XXXX of the credit report. Please look at the attached payment history from XXXX XXXX bank you will see that the last payment was made XX/XX/XXXX. THIS IS OVER 3 YEARS DIFFERENCE from what is reported????? This loan was paid in full, on time, and to a zero balance. Many of the Categories of this report have been filled in with " Not Reported '' leaving the report INCOMPLETE. 
Terms " Not reported '' This account was in place from XXXX to XXXX ( ERROR 3 ) Recent balance " Not reported '' ( ERROR 4 ) High Balance " Not reported '' ( ERROR 5 ) Monthly Payments " Not Reported '' ( ERROR 6 ) Recent Payment Amount " Not reported '' ( ERROR 7 ) Date of Status -Incorrect - This account was paid in full the last activity was XX/XX/XXXX ( ERROR 8 ) This account was paid in full, with no late payments, the account should have been listed as a positive account. ( ERROR 9 ) By law tis account should show ACCURATE and The information should not be missing information. This account has shown multiple ERRORs and is incomplete making this INACCURATE. XXXX XXXX XXXX  has verified this account even with the attached information showing it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: SC
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
FXXXX 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 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 explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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
Consumer complaint received 2020-08-12
Company: Prosper Marketplace, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The problem with my Prosper loan is that the loan payment due date is on the XXXX of the month and I have asked repeatedly for a change of date to accommodate making payments. My payment is due on the XXXX and I am asking for a move of payment due date to the XXXX. I have explained that this date bumps heads with my mortgage and leaves me with not enough money to pay my mortgage. They claim that I have had a move of payment due date once. I did not. 

I have so many issues so I will list them 1. The payment is due on the XXXX, if I don't pay them on the XXXX, they call my phone literally every 15 minutes on a robo dialer. 

2. I usually go in and schedule the payment for the XXXX because thats the pay date that I can commit to. When I do this and call them back they claim they don't see the scheduled payment. Meanwhile the payment comes out of my bank account as I schedule it on the XXXX. 

3. They keep pushing me to go with an extension of the loan or deferment which means that it will take me longer to pay the loan off. I don't want to do that I want to pay the loan off but they keep charging me interest so it looks like I am not paying anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$17000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: GA
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 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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 IT IS REPORTING AS XXXX XXXX ON TRANS UNION ONE OF MY PREVIOUS ADDRESS WAS XXXXXXXX XXXX   XXXXXXXX XXXX XXXX, NC XXXX IT IS REPORTING AS XXXXXXXX XXXX XXXX., XXXX XXXX, NC XXXX ON TRANS UNION MY CURRENT CELL PHONE NUMBER IS XXXX I DO NOT RECOGNIZE THESE TELEPHONE NUMBERS REPORTED BY TRANS UNION XXXX XXXX XXXX XXXX XXXX THE FOLLOWING PAST TELEPHONE NUMBERS ARE CORRECT AND THEY ARE AS FOLLOWS : XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX - CURRENT EMPLOYER TELEPHONE NUMBER XXXX - PREVIOUS HOUSE NUMBER XXXX - PREVIOUS CELL PHONE NUMBER XXXX MY MOTHER 'S PHONE NUMBER REPORTED BY TRANS UNION THANK YOU

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 2023-08-01
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
First attempted to send debt validation letter to company. Letter was sent on XX/XX/2023 and company responded more than 30 days letter and only responded because I reached out to you all. Attempted to call the company on today XX/XX/2023, and when asked to speak to a supervisor, spoke with XXXX XXXX, who I believe may be the only supervisor, and who began to laugh when I explained the issue to him, and how I sent the letter via mail and began to raise his voice, and use profanity while on the call. When asked for his name again, he said youre close and mocked me and began to laugh again, stating whoever you want to report to its only one XXXX here so theyll know. I also asked if they was a manager over him and he stated no and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are addresses that are inaccurate in my file. Kindly remove them right away. 
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 These are not my home address. I never lived there nor received emails there. Please check and erase them immediately.

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 2018-10-08
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
FINALLY GOT THEM TO AGREE TO CHANGING FROM AND INTEREST ONLY FOR 10 YEARS NOTE TO A CONVENTIONAL LOAN. INITIALLY THEY AGREED TO INCLUDE ALL ACCOUNTS INTO THE LOAN, THEY THEN LEFT ONE OUT AND WITH OUT MU KNOWLEDGE THEY HAD ME SIGN PAPERS AND COMMITTING THAT IT WAS STILL IN THE NEW LOAN. THE THE ONE THEY LEFT OUT THE ERRONEOUSLY DEDUCTED IT FROM MY ACCOUNT WITHOUT MY KNOWLEDGE, CAUSING AN OVER DRAFT AT THE END OF THE MONTH. MANAGER LAUGHED IT OFF SAYING WAS ONLY A YEAR LEFT ON LOAN ANYWAY! THEN THEY ASSIGNED IT TO XXXX XXXX, THEN THEY NOTIFIED ME. CALLED XXXX XXXX, THEY HAD LITTLE KNOWLEDGE OF THE ACCOUNT. XXXX XXXX ASSIGNED IT TO A MORTGAGE SERVICE COMPANY, CALLED THEM AND THEY IDENTIFIED THEM SELF AS A MORTGAGE COLLECTION AGENCY. IN THE BEGINNING I HAD THE BANK SET UP THE ACCOUNT AS AN AUTOMATIC ELECTRONIC DEDUCTION TO BE TAKEN OUT ON THE FIRST WHEN I GOT MY VA XXXX CHECK ELECTRONICALLY DEPOSITED! THIS A XXXX XXXX XXXX ' ON THE PART OF THE BANK AND XXXX XXXX!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA. XXXX XXXX BANK : IBERIA BANK XXXX, LA. 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 2023-02-28
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My insurance agent didnt cancel my policies when asked so they canceled for non pay however I sent in prof that the policies were to be canceled and XXXX corrected the dates and sent me a refund as I had actually over paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: WELLS FARGO & COMPANY
State: AZ
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:
So for over 4 years I have been trying to get this credit card account removed from My credit report. Im XXXX I Closed out this account with the banker which is the same banker who was the main reason for my XXXX payment from Wells Fargo because of fraudulent opened accounts. A simple XXXX $ bill which I paid and closed out the account had bubbles into 67 charge offs and a stain on my credit report. I closed this account out and if this same person is opening fraudulent accounts under me and was fired for this same reason. I reported this information. On my first dispute, my 2nd dispute and now to the executive branch and they are still reporting this on my credit report. It was XXXX $ thats bubbles to XXXX $ with late fees. If you cant make cash deposits with your banker and pay to close account out and actually have them closed out the way they are supposed to be then why do we even have bankers if you cant trust them to do whats right.

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 2018-05-10
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX. I am baking with M & T bank, with the branch located in XXXX, PA. A month ago on XX/XX/2018 I went to the ATM next door to the banks branch to try to deposit money. After putting a {$50.00} bill inside of the ATM, the ATM spit out a receipt wasting error on it. Without giving me my {$50.00} dollars back. I called the offices of the bank and told them what happen. They on return gave me my money back which appeared on my card on the XX/XX/2018. Now today over a month later XX/XX/2018as I am preparing to go home from college for summer break, I check my account and its the {$50.00} have been taken out. When I called them bank they told me my dispute has been denied stating that they wont investigate any further and how it may be possible that someone could have gotten the {$50.00} on there card if they came into the place after me. After basically agreeing to this the told me they wont investigate no one else card because no one else filed a dispute. I mean of course no one will file a dispute if extra money appeared on there card. They also told me they viewed the cameras and couldnt see what I was doing on the ATM Machine. Which is outrageous because what is the use of the cameras. They told me they wont give me my money back and wont investigate any further. Although {$50.00} May seem like little money to be complaining about losing, I am a student who is struggling and need that money to get home. I am also a customer with this bank and for them to not help with finding my money because it benefits them is ridiculous.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal Pa XXXX XXXX XXXX XXXX XXXX Pa 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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Company : XXXX XXXX XXXX XXXX : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my 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 2021-11-07
Company: EQUIFAX, 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:
My XXXX XXXX account was paid off ( XXXX dollar balance ) and closed in XX/XX/XXXX. However the last two months I have received statement notifications of a balance due. I let them know that's not possible because the account is closed and I do not have the card so I could not have made any changes. And I don't know how charges can be applied to a " closed '' account. I emailed them on XX/XX/XXXX and XXXX letting them know that the account is closed and I don't have any idea what is going and I can't even log on because it is linked to old phone number that I no longer use due to identity theft. On XXXX they replied to me saying I need to provide my drivers license to change my phone number. I replied back on XXXX that I no longer have a valid DL but provided my passport book instead and let them know again the account is closed, don't know how there are any charges and if so its fraud and I don't know how/why there is a balance. There has been no response to any of my emails since, the phone number is still linked to the old one for the account so I still can't access it and I'm still receiving balance notifications. And on XXXX they reported to the credit bureaus that the accounts were late when I let them know already that any new changes should/would be fraud since the account was " closed '' and I don't have any access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Gentlemen, Wells Fargo has been pursuing a Wrongful foreclosure action against me since XX/XX/XXXX. Wells Fargo continues to refuse to respond to my complaint. On two occasions Wells Fargo denied it was the appropriate company to this complaint. After providing corroboration documents of the truth of the matters asserted, Wells Fargo finally admitted the case was in litigation and it could not respond to me directly because of this. Litigation has nothing to do with Wells Fargo 's failure to respond to this complaint. Wells Fargo will not respond because it knows that it has Wrongfully filed a Foreclosure proceeding against me back on XX/XX/XXXX, and continues to do so. I am asking the CFPB request Wells Fargo answer my complaint accordingly. I am attaching the 5th Circuit Court of Appeals ruling Dated XX/XX/XXXX which found that Wells Fargo FAILED to provide evidence that it is a party to enforce the Note and Mortgage at issue. I am attaching the Pooling and Servicing Agreement where it clearly states on page 33 of the Prospectus that the Trustee ( WELLS FARGO ) " MAY NOT '' BE ABLE TO ENFORCE THE MORTGAGE NOTE AGAINST THE RELATED BORROWER. Wells Fargo has failed to comply with the pooling and servicing agreement in which it must adhere to.

Company response to consumer: Closed with explanation