BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: LEXISNEXIS
State: AL
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:
I have disputed information contained within my credit reports to the 3 major credit bureaus and I have been made aware that LEXISNEXIS is one of the companies confirming that the information is verified accurate. 

LEXISNEXIS does not have my consent to report this information or share this information with any commercial business or anyone for that matter. Not only does LEXISNEXIS not have my consent, they can not verify the information is accurate, which it is not. 

The disputed item is listed as public record bankruptcy. Following those disputed results I contacted via certified mail the original creditor listed as XXXX XXXX XXXX XXXX  inquiring as to why and how they verified this information with the credit reporting agencies. This was the written response I received that clearly states, " The clerk 's office does not report bankruptcy cases to credit reporting agencies, and it has no input as to what the credit reporting agencies have on record regarding any given bankruptcy case. '' Since the court is the original creditor and they state they do not verify or report, the item must be DELETED. I also spoke with the clerk of court over the phone and was told that once information is put in public record there is no way for them to correct that information nor do they verify it to be accurate. The lady also acknowledged that human error is possible and there is nothing she could do to fix errors even if part of the information was referencing me. 

Furthermore, I have heard that some credit reporting agencies like to obtain public record information from a site called XXXX which is NOT the original creditor, but I also contacted them in writing, and this was the response I received from XXXX. " XXXX  does not contact consumer reporting and credit reporting agencies. '' Simply put, LEXISNEXIS LIED to the credit bureaus! They did NOT and CAN NOT verify the information listed on my credit report and since they are NOT able to do so, the ITEM listed as Public Record Bankruptcy MUST BE REMOVED! 
There are several examples of Adverse Actions being taken against me as a consumer because of LEXISNEXIS reporting of UNVERIFABLE information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: MN
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX XXXX  ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Harley Davidson Financial Services Inc
State: NV
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 have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the XXXXXXXXHARLEY DAVIDSON CR came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I received a call and was convinced to purchase a vacation package from XXXX XXXX XXXX. Due to issues with obtaining my passport, I called to cancel the vacation on XX/XX/XXXX as outlined in the XXXX XXXX XXXX disclaimer. I spoke to a representative named XXXX and was told I would receive a refund in 5 to  10 days but never got it. After following up with XXXX and being ignored, I called my credit card company, XXXX, to file a dispute. On XX/XX/XXXX I spoke to XXXX at XXXX and he suggested I wait another 10 days and call back if a refund was not issued. On XX/XX/XXXX I filed a formal dispute with XXXX for the transaction in the amount of {$1300.00}. Attached are responses to my complaint from XXXX dated XXXX XXXX stating that they would not assist me even though they contacted the wrong company, XXXX XXXX XXXX, during their investigation. On XX/XX/XXXX I reached out to the BBB, followed their complaint process, worked with a rep named XXXX XXXX at XXXX and again received responses that XXXX will not assist me in resolving the matter. It is obvious to me that XXXX XXXX XXXX is using unethical business practices as they ignore calls, drop phone calls, do not respond to emails, and have an inoperable website that does not allow customers to make contact. However, I thought my credit card company, being the giant that it is, would provide better protection for consumers like myself who have done everything possible within the prescribed guidelines. I now question the business practices of 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 2020-10-21
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I start a complaint XX/XX/XXXX, and XX/XX/XXXX. The amount which I do not recognize. I also send in my left to show me proof that this debt is mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am writing to complain about the lack of service I received in a complaint resolution with CareCredit. The confirmation number is # XXXX. It was for a {$7000.00} quality of goods complaint for XXXX XXXX XXXX, a XXXX  in XXXX XXXX, XXXX. At the time, I explained the situation over the phone to the person. She did not have me put anything in writing. She simply had me explain the situation. 
The basic facts of the complaint are that XXXX XXXX made a fixed denture for me that did not fit properly. It caused me severe XXXX pain. I went to a physical therapist several times and a speech pathologist who all agreed the denture did not fit well and was the source of my pain. I explained this to XXXX XXXX, and he stated that was about all I can do. I paid him $ XXXX {$7000.00} of which was on the CareCredit card. After discussing the problem with other professionals, I was finally able to have a new one made by another prosthodontist. This new one fits properly ; however, I, of course, needed to pay my new dentist. I do not believe I should have paid for a dental prosthesis that is non-functional. I believe it is currently sitting in a lab at my new dentists office. It was quite literally {$15000.00} paid for nothing but pain. 
I am writing to you because evidently CareCredit reached out to XXXX XXXX, accepted whatever he said, and filed in his favor ( he lied about much of this. ) The bottom line is that I can not use what he made. Why in the world would I not use it if I could? This does not make any sense. Why would I want to have another one made if is worked fine? 
Not XXXX person at CareCredit ever wrote down or asked me any follow-up questions. In fact, I only discovered the conclusion of the claim from XXXX XXXX himself. I had tried contacting CareCredit on several occasions and am only placed on hold for XXXX minutes or more. I have screen shots showing this. It is nearly impossible to get a hold of anyone at CareCredit. Even when I tried to offer feedback on the website, it would not work. I finally discovered that there was a message regarding the conclusion on the website. No one had informed of this. This entire ordeal is highly unethical from beginning to end. 

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 2019-01-05
Company: Bread Financial Holdings, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I went to pay off the entire balance of {$780.00} on XX/XX/18. The payment due date was on XX/XX/18. I was assessed a late fee, but what caught my attention was a finance charge of {$16.00}. According to my monthly statement, of which the closing date was XX/XX/18, my previous balance was {$610.00}. The interest on this card is 26.99 %. The " balance subject to interest '' amount was {$720.00}. I XXXX at math so I can't figure out how that interest rate was assessed nor how that particular " daily balance '' was calculated. When I inquired and asked for a written mathematical explanation of this I was told the same thing every time. The only way to avoid a finance charge is to pay the balance by the due date. I paid over my balance so I could pay off the entire card after the payment due date but before the statement closing date. 
Like I said, I XXXX at math, but these numbers just don't add up for me so to speak. I don't like questionable charges. So I'm hoping you will get a straight answer or can provide one for me that explains where the numbers come from and how it all adds up, from why the payment due date is different from the statement closing date, ( which is an after thought ), and with a mathematical explanation, exactly how the " daily balance '' is calculated in concerning assessed interest. 
I have attached numerous files, for reference but also in the event you find something I missed in terms of questionable charges. The unnumbered XXXX pdf and the questionable finance charge are the two related specifically to this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied and received a XXXX forbearance back in XX/XX/XXXX for 6 months. In XXXX my mortgage was sold to a new company and I resumed payments in XX/XX/XXXX then the mortgage was sold again in XXXX to my current mortgage holder and I made a couple of more payments. In XXXX the stoped taking payments. I applied for a loan modification with them providing proof of pandemic forbearance and income etc.I was denied in XXXX. I was approved by my original mortgage provider to make payments. But My new company wont take them. Any help is appreciated. Time is of the essence XXXX is 6 months since they stopped taking payments they say I am 11 months behind, 6 from XXXX relief and 5 from them not accepting payment, they have been wanting all missed want all payment in full, I am being forced into foreclosure. this is also my primary residence. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: TX
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 below 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 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 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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 explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX account XXXX is reporting inaccurately across all 3 credit bureaus. I also did not give this company to report this information to my credit report. This reporting I believe has caused me traumatic stress. I recently opened a new XXXX account. My husband has a business bank account with XXXX. We have a tax company that has made XXXX XXXX thus far. My first pay out was XXXX XXXX. XXXX opened my account and cleared my check. About a week later they decided to close my account with no explanation besides it was a company decision. I believe this negative account I did not consent for the company to report was the reason my account was closed. I was discriminated against based off of this inaccurate reporting account. XXXX reports a diff open date than the other credit bureaus, XXXX shows $ high limit while trans and equifax reports {$4000.00}. Equifax reports a different last reported day than experian and transunion. Date last active report diff on all 3 credit bureaus. Date of last payment is reporting diff on equifax. I had to wait for them to mail me my check which took almost a month after they closed my new account. My check was cleared by my Michigan XXXX XXXX XXXX with no issues. I am demanding this company to remove this account from my credit report immediately as I never gave my consent and per the FCRA I must be told if information in my file of consumer reporting is being used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is reporting that I have a XXXX XXXXXXXX XXXX account that has two late payments which is affecting my fico score. This is not true and this account does not appear on my XXXX or XXXX reports. On XX/XX/2021 I disputed this with Experian it took them only a few days to falsely varify the information. This information is wrong and I spoke with the original creditor and the have no knowledge of that account. This XXXX XXXX XXXX account is harmful and I would like it removed 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 2020-09-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am Attempting to get this account deleted off of my credit report the accounts is not accurate and is non void below is the resolution that I see best fit for my credit profile. Please delete this account off of my credit history immediately as it is harming me financially. Which has been a burden to me. 


Company : Ars XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX United States Re : Alleged Original Creditor : ARS ( Account Resolution Services ) Alleged Debt Amount or Balance : {$1000.00} Dear ARS ( Account Resolution Services I recently received communication from you attempting to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. 
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. 
Further, I request verification of the alleged debt, specifically, I request : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, * an informed consent for medical treatment and * financial responsibility agreement, signed by alleged listed original creditor name ; and ( your name, 1. a copy of all actual bills sent from { alleged listed original creditor } to tyour name ; with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), 2. a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, 3. a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by ( your name } to { alleged listed original creditor }, 4. a detailed itemization of the amount that you are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. 
You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Cease and desist all collection activity, including all reporting to consumer reporting agencies. 
Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. 
If you comply with my deletion request within 14 days, then you are excused from verification. 

Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt.

This letter and evidence may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney and sue you. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
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 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 2023-01-17
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
charge off on credit history with a balance as well a collection with a open balance because of this apparent neglect in assuring everything reporting is accurate, consistent and up to date Experian, XXXX and XXXX reporting these account OPEN. 
to collection should not be listed a an open balance Please remove items 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