BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted Lexis Nexis and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means lexis Nexis, XXXX, XXXX  and XXXX  will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to lexis nexis and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to XXXX, XXXX  and XXXX. I called lexis nexis and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was looking over my credit report and I noticed some fraudulent accounts on my credit report. the following accounts are being submitted to be blocked and deleted from 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 2023-10-22
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
on XX/XX/XXXX I called discover company helpline number to request some letters that were sent to me in past years. After talking to discover employee for more then 45min, they rejected my request. I need all the " Credit line increase denial letter '' that have been sent to me from XXXX till XXXX. I want them for legal purposes. I need all those letters from those years everytime discover rejected my credit line increase request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2016 Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2019-02-14
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:
In XXXX, XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XXXX, XXXX so I asked my sister to add me to her XXXX XXXX XXXX XXXX ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit. 

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.

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 2023-03-03
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company has been Illegally harassing me for a Debt I do not owe them. Company has also violated my HIPPA rights by illegally obtaining my health records without written permission with signature from me. I dont have a contract with this company. I sent the company a letter back in XXXX ( see attached ) I requested validation. Company did not provide me with the information I requested. Company sent me another letter in XXXX trying to illegally collect debt.I decided to look into this company and found that they are not legally registered to collect in the state of Delaware. ( see attached ). XXXX letter dated XX/XX/2023 I do not owe this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Per Department of Education guidelines I am entitled to a refund of all money paid towards my student loan after XX/XX/XXXX of 2020 due to the pandemic and laws passed to all lenders and borrowers which suspended payments. I continued to pay unaware of this and while out of work due to the pandemic. I am still unemployed. I have requested a refund of {$650.00} that is badly needed yet Nelnet continues to give me the run around for the past 6 weeks or more. They have removed all payments made to my account for {$650.00} but have not refunded it to me. They have stated they would but not for 8 weeks with no reasons why. The money must be refunded immediately per the Department of Education in the same manner paid which was ACH draft from my savings account. They are refusing to do this as well and want to send me a check. I am not waiting 2 months for a check especially since money has already been removed from my Nelnet account. I have grown tired of their poor customer service and suspect lending practices. Now they are holding my money hostage. It's enough. Their customer service staff are rude, inconsistent and not handling this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried multiple times to protect my identity, someone used my social security number to apply for a creditor called The XXXX XXXX XXXX, there is now a balance of {$77.00} dollars in collections from this company i did not authorize and have tried multiple times to ask for it to be resolved. This is negatively affecting my credit and i do not believe i should suffer for someone elses wrong doing. The companies contact information is XXXX XXXX XXXX XXXX XXXX XXXX, WAXXXX phone number ( 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 2023-10-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR
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:
i would like to have some inquiries removed because I do not recognize them. and I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NJ
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/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 2021-01-13
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I initiated a balance transfer in the amount of {$430.00}, which was my account balance with Macy 's. Macy 's declined the balance transfer. I was issued a check in the amount of {$430.00} by XXXX XXXX XXXX, and I went to their retail store located at XXXX XXXX XXXX, XXXX, TN XXXX. On XX/XX/XXXX I paid with the check that was payable to myself and Macy 's in the amount of {$430.00} with the check number XXXX. I was attempting to make the payment due. 

Unfortunately the payment system did not perform well, because the payment was never credited to my account. The next month I noticed that the bill was still showing as " not paid '', so I called Macy 's on several occasions, and they told me to fax or mail proof of payment, so I did along with a bank statement showing that the payment went through, in addition I included a copy of the check which had gone through my bank account. This occurred several times with me trying to show Macy 's proof of payment, via fax, mail ( which includes postal confirmation ) to no avail Macy 's still shows payment not made, and at this point they are charging me interest and late fees. After sending numerous letters, email, and talking to Macy 's, I could see that this will not be resolved easily. This is why I am now contacting the CFPB to see if you could assist me in rectifying this false claim that I have not made my payment. My account with Macy 's should be XXXX, instead, I have been reported to all three credit bureaus, and have now been placed in collections, and with the fictitious late fees, they now claim I owe them {$720.00} which is a false claim. 
As proof for the purposes of the CFPB, I am sending the XXXX Macy 's Account Statement, which if you subtract the {$10.00} interest charge the payment would be the {$430.00} which I paid in store and will be providing you with proof of payment, which was made on XX/XX/XXXX, which would XXXX  out my account. In addition, I am providing the register receipt of payment, and a XXXX XXXX bank statement. The credit card number I will be providing is a new card and number issued by Macy 's XXXX before they closed my account. Finally, I am submitting letters from the Macy 's Executive office acknowledging a problem, but never resolving the issue. 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 monetary relief
Consumer complaint received 2021-01-14
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 120-180 days late with no late payments prior to that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car with XXXX in XX/XX/XXXX. The vehicle is a XXXX XXXX XXXX XXXX. My finance company which is through XXXX is called Bridgecrest Acceptance. Since purchasing my vehichle, I have not received a statement. There is no option online through bridgecrest.com to view my statement. They have my mailing address, I've received nothing in the mail. They have my email, I only receive emails when it is time to pay. After doing research, this seems to be the norm with BRIDGECREST ACCEPTANCE. THEY DO NOT PROVIDE STATEMENTS SO YOU NEVER KNOW WHERE YOUR MONEY IS GOING!!!! This is insane. I am 6 months into my loan and have no idea what is left on my loan. They have only reported twice to the credit bureaus, the last time being XX/XX/XXXX. I don't know what is left on my loan. I have paid {$1600.00} and the amount shown on my credit reports only reflects a difference of {$270.00} in my loan. Where is my money going??? This should be illegal! I am due to pay another {$330.00} again this week. I have not received ONE STATEMENT from this company since XX/XX/XXXX!!! I have never been through this in my life! I RECEIVE STATEMENTS FOR EVERY SINGLE THING THAT I PAY FOR! This includes utilities, credit cards, and phone bills. Why is this the difference? I should be getting a statement EVERY SINGLE MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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: Account information incorrect

Complaint:
I viewed a copy of my credit report via XXXX in XX/XX/2020 and I noticed an account, listing as collections on my credit report and I do not have a collection account. The account that is listed on my credit report in the name of XXXX XXXX and has an amount of {$4700.00} balance that I PAID and DO NOT OWE. 
I wrote Transunion and XXXX  on XX/XX/2020 and asked them to please remove this negative reporting from my credit report and they refused to remove it.

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 2023-10-31
Company: EQUIFAX, INC.
State: GA
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 wanted to know if you have received all my letters since the month of XXXX because it seems that Im not getting any response nor resolutions from here. Ive been patiently sending you letters. I spent a lot of time, effort, money and energy explaining to you guys my complaints, inquiries and disputes. I never missed to inform you how these inaccuracies affect my scores and my name. I needed resolution and I need your assistance to help me reach out to these Consumer Reporting Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX was suppose to keep one line active do I can make payments rd on lease phone. After verification they shut my account and sent me a bill and. I called to discuss use and made a payment and advised I could not pay upfront over XXXX dollars and made a payment and agreed to make XXXX  month until paid. Kept making payments and had one last payment and going out it was given to collection and seen in my credit report. Collection never contacted me and thought I still had agreement with XXXX and collection refuses to take off of 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 explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX balance {$2100.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX  XXXX balance {$310.00} - Account is reporting inconsistencies and inaccuracies. XXXX XXXX are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX XXXX balance {$280.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX  XXXX balance {$600.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX balance {$1700.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.

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 2021-01-14
Company: Experian Information Solutions Inc.
State: NV
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:
This account XXXX  XXXX XXXX XXXX being reported only by Experian is NOT mine. Please provide Verifiable Proof ( an original Consumer Contract with my Signature on it )

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 2021-01-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MULTIPLE County Tax payments were made against my account recently for 5 properties. But 4 of those properties I DO NOT OWN! 

When I reviewed my Escrow account back in XX/XX/2020, I noticed there were 4 EXTRA properties Mr. Cooper had paid Property Taxes on that should not be on my account. I only own one property and my previous lender sold to Mr. Cooper only one property ; therefore, I should only have one Escrow account ( one parcel, one property ). 

Because of the extra 4 County tax disbursements that were made against my account, I also see a very large Escrow shortfall ( over {$5000.00} ). I've made every effort to contact the Escrow department multiple times, but they continue to give me the runaround that XXXX is involved and they can not get any additional updates or feedback on what is happening to my account or obtaining a refund. I've made phone calls almost every other week to the Escrow department and was assigned to an " Executive Escalation Specialist/Manager '', but the updates and timeframes that were given to me have passed and NO NEW UPDATES have been given to me on when this will be resolved. 

I want the negative Escrow balance fixed ASAP. If it can not be fixed in a timely manner, I'd like to be given a new account number where we can start fresh. I DO NOT feel I should have to suer to have to wait for the County to refund the money for an error on Mr. Cooper 's part. 

What upsets me is that this was NOT MY ERROR. In addition, what also upsets me is that their representatives have said we need to wait for the County to refund the money. Mr. Cooper should either provisionally credit our account so that we do not have to see that negative balance OR go ahead and start a new account for us so we can start afresh and not have to experience this MESS they created. This whole incident raises both ethical and legal issues that have not yet been resolved.

Company response to consumer: Closed with explanation