BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I obtained a copy of my XXXX Report. As XXXX  is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by Lexis Nexis on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
LexisNexis XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GS Bank US- XXXX {$1700.00} Inaccurate balance and history reporting on credit account this item does not belong to me and I request to have this inaccurate item blocked and removed immediately from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: GOLDMAN SACHS BANK USA
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XXXX didnt publish my add, and will not allow me to refund my {$3200.00} balance. It says I need to request it through Apple Pay, but Apple refuses to refund it back to the Apple Card. Both these large companies are holding my money and neither will refund and theyre just pointing at each other. I just want my funds back since they wont give me the service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2020-02-13
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I did not receive the {$500.00} bonus as advertised for opening and maintaining my Citibank checking account. A Citibank representative I spoke with on the phone said that I met all the requirements in order to receive the {$500.00} bonus, but she claimed that a promotional code was not applied to my account upon opening. I opened my checking account online using Citibank 's promotion website link on XX/XX/2019. I deposited {$15000.00} into my account on XX/XX/2019 and maintained at least this amount for 5 months and continuing to do so. An error in Citibank 's part should not exempt me from receiving the bonus. Citibank should honor the bonus for their new customers that meet all requirements.

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 2022-12-23
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:
XXXX XXXX XXXX XXXX I XXXX XXXX sent multiple letters and complaints about this XXXXXXXX XXXX XXXX XXXX that's connected to an address that I do not know. The date this account was open XX/XX/2017. As seen on my identification card I uploaded the address that I have resides is not connected to this account.These false information keeps being updated to my credit profile and keeps leaving a negative effect on my profile.I contacted the creditor and credit bureaus multiple times about this issue and nothing is being done.This issue is slowly giving me XXXX XXXX. As Stated in 15 U.S. Code 1681c1 XXXX XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze.

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 2022-12-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiries on your report that you don't recognize. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Per Ftc sec 609 credit agencies are not validating my credit account they are simply verifying my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2022-03-19
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.

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 2020-02-13
Company: Cottonwood Financial Ltd.
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
For 2 months this company has been calling me, my ex husband, a friend, my mom, and my little brothers, They have threatened me and my family saying that I have commited fraud and that if I dont pay them {$1300.00} I can be sued and arrested. The amount that they are charging me is not the amount that I owe and they are telling me it's because there are fees now but dont go into detail. The last conversation I had with them was today at XXXX and the man that spoke to me said since this is not my priority to just deal with the legal matters and hung up on me. But before this conversation today he called my youngest brother and a friend of the family and scared them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 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 explanation
Consumer complaint received 2019-08-01
Company: AES/PHEAA
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to XXXX XXXX XXXX in XXXX and I think it was in XXXX or XXXX XXXX XXXX school was closed down for federal fraud and there was a process that I could go through to get my debt removed and I went through all that and all my school debt was removed from my credit. About a year later it was all replaced onto my credit I tried to contact and explain this and they have no idea what I was talking about but I had proof at the time on my credit report it said the Department of Education had paid off all my student loans and now it is back on my credit and I am unable to get a mortgage or anything the company is FedLoan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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: Information belongs to someone else

Complaint:
data breach we would like the company to check into with XXXX XXXX   and Equifax caused FTC or fcra violation not know to us to the best of our knowledge XXXX repo 4 debt collection doing unfair trade practice collection on a debt not owed to them all violation of the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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:
I value you setting aside some margin to a portion of the data in my credit document ; not withstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 2023-06-06
Company: Select Management Resources, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Loan max will not close account so my credit has been deemed poor i have been unable to even get a XXXX  loan of {$2.00} When i placed the title loan as debtor with Loanmax as creditor i gave the XXXX to the driver after he lured me into the cab of his truck we talked for over an hour he asked me alot of questions about me personally then i gave him the keys and he lied on the report saying it didnt runbut i received a letter stating the XXXX XXXX sold and they applied that amount to my loan tjat that loan was then satisfied. 
I needed a title loan anf tjey denied me because of the error in my customer file XXXX needs closed and discajrged for full settlement of accounting / accounts of the XXXX XXXX XXXX account asap and i need compensated in tender and the tender tp be returned to me and the original securities/bond including interest/dividend payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
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 status incorrect

Complaint:
I've already sent EXPERIAN proof that a XXXX XXXXXXXX account on my credit report does not belong to me and I do not owe them, therefore it has NO RIGHT to be reported on my credit report. They agreed, yet still are reporting the inaccurate account that does not belong to me, 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 2020-11-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a Citi Accelerate Savings account with Citibank. Current balance is slightly over {$200000.00}. On XX/XX/XXXX, I contacted Citi by phone and asked them to close the account and remit the balance to me. I was told that I would not be able to electronically transfer the funds out to a corresponding bank account because the amount exceeded my monthly transfer limits. However, they advised that they could send me the entire balance by check through the mail and that there would be no charge for doing so. I was told to expect the check within 7 - 10 days. When 2 weeks passed and I did not receive the check or any word from Citi, I contacted them by phone again. This time I was told I would receive the check within 3 - 5 days. I still have not received the proceeds of my account. I am convinced that Citi has no intention of closing the account and that they have acted completely unethically 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 2019-10-04
Company: DISCOVER BANK
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Debit account at Discover bank promises 1 % " back money payment '' for purchases made with debit card attached to that account. In XXXX I made purchases for a total of more than {$240.00} as follows : XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$15.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$44.00} XX/XX/XXXX - {$42.00} XXXX Total {$240.00} I was supposed to receive back {$2.00} but received only XXXX cents ( i.e. {$2.00} ( new balance ) - {$2.00} ( old balance )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-08-14
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I visited a physician and underwent testing at XXXX XXXX ( SC ) in XXXX, IL. Subsequently, I received an EOB which stated that the initial claim was denied. I did not hear back from SC until XX/XX/XXXX, after which I received multiple bills in varying amounts until XX/XX/XXXX. I expected that the sum would be picked up by my insurance company as I did not hear back from SC. 
Much to my dismay, when I was applying for credit in XX/XX/XXXX, I was informed that I had 6 adverse remarks on my credit score. 

Apparently, in the previous 6 months, my bills were transferred to Pro Com Services of Illinois ( XXXX XXXX XXXX, XXXX, IL XXXX ). When I contacted the agency, I was informed that these remarks were placed after multiple attempts to contact me. I informed them that I had never heard from Pro Com ( in writing or over the phone ). I immediately paid the amount owed. However, till date, Pro Com has not undertaken any actions to correct these adverse marks that should have never have been placed in the first place. 

I am deeply distressed by these developments. As a law abiding person, I have never been late on a single payment under any circumstance. I am disturbed by the actions of XXXX XXXX and Pro Com. I believe that the actions of ProCom represent predatory practices and must be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NJ
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:
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2020-03-23
Company: EQUIFAX, INC.
State: FL
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:
Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX year my loan was transferred to Sps for servicing of my loan from XXXX and I had just completed a modification and my taxes and insurance was suppose to be paid by the servicer. 

I received a letter from the County that my taxes have not been paid and I would loose my property XX/XX/XXXX. 

I contacted Sps and filed a complaint regarding this issue and was told that the taxes would be paid on my behalf after speaking with XXXX XXXX at XXXX XXXX XXXX. 

I receive a letter today attached that my escrow was removed without my permission and SPS failed to pay those taxes which is why I have lost my property and I have documentation that Respa violations have been violated and no enforcement action has taken place. 

I now have to file a lawsuit hire and attorney to sue for violation of my rights if those taxes have not been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation