BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-02
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Company LexisNexis is stopping me from getting new Credit lines, Loans & Very important things I need for my bussiness to operate due to them putting Tax Lien on my public records. I am on a installment agreement with the IRS and pay them monthly. 


Source - XXXX XXXX XXXX  In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, senior director of credit risk assessment at data firm LexisNexis Risk Solutions! 

So why is my TAX LIEN on my credit report? I would like this be removed from my consumer report cause it is unfair to me when this is the only consumer place having my tax lien that I am paying off on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below. It is listed that XXXX XXXX is the 3rd party Furnisher of this bankruptcy listing but when I reached out to XXXX XXXX, they show no record of the bankruptcy. I have attached a copy of the letter and I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Account status incorrect

Complaint:
This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$1900.00} XX/XX/2022 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: CA
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 have a hard inquiry from XXXX XXXX showing on my Equifax credit report that was from an account opened via identity theft. The account has been closed and taken off of my credit report by all 3 bureaus, yet Equifax has not removed the hard inquiry from this XXXX credit card that is still showing on my report. I already submitted all of the documents asked for by Equifax via mail in order for them to complete the blocking of accounts that were a result of identity theft. They removed the account but not the hard inquiry. Please have this item removed, as you can clearly see that I did not contract with XXXX and I do not consent to this information being shown on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is showing incorrect on Transunion, XXXX and XXXX . The amounts, date opened, date reported and remarks are all different. this is not consistent, accurate or complete information. This should have been resolved in 2021. With XXXX it is showing paid and closed with a {$0.00} balance. This is a violation. This also shows willful noncompliance with Transunion and 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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$8900.00} XXXX XXXXXXXX Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$8900.00}

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 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
BANK OF AMERICA HAS FRAUDULENTLY ALLOWED MY PERSONAL ISSUED GOVERNMENT CHECKS WITH TO BE CASHED WITHOUT MY ( AUTHORIZATION ). I HAVE A STATEMENT FROM XXXX XXXX OF ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS ( FRAUDULENTLY ) CLAIMED TO BE THE LANDLORD OF THE PROPERTY STATED IN A WRITTEN VERIFIED STATEMENT THAT HER BANK DOES NOT REQUIRE ( 2 SIGNATURES ) BUT ON XX/XX/XXXX XXXX THE FEDERAL GOVERNMENT MADE A MANDATE THAT IS WAS MANDATORY FOR ALL CHECKS TO BE SIGNED BY TWO PARTIES. I HAVE A CASE IN FEDERAL COURT ON XXXX XXXX XXXX Of ( ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). BANK OF AMERICA ALLOWED THESE FUNDS TO BE DEPOSITED AND CASHED. I AM SUBPOENAING ALL TRANSACTIONS WITH MY NAME AND ASSOCIATION TO ARKANSAS RENT RELIEF PROGRAM. BANK OF AMERICA IS APART OF THIS *STATEWIDE* GOVERNMENT SCAM. THAT HAS BEEN EXPOSED.

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 2019-08-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Someone filed a change of address online for my credit card account. I received a confirmation letter in the mail for an address change a I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I XXXX XXXX am disputing the transaction that settled on XX/XX/XXXX XXXX in the amount of XXXX. When I went into XXXX XXXX  on XX/XX/XXXX at XXXX to do an over the counter withdrawal the teller XXXX XXXX informed me after swiping my card twice that the transaction did not go through. I told her my netspend account showed the transaction was pending from XXXX XXXX  in the amount of XXXX. The branch manager XXXX XXXX then informed me that the transaction would automatically fall off because the funds were not taken on there end. She promised me the funds would automatically reverse. The next day around XXXX am I noticed the transaction from XXXX XXXX  showed it had posted and the funds were taken out. At this time I went back to XXXX XXXX  to show them the transaction had settled they told me the funds were not collected on there end and I needed to file a dispute. This was my money from my XXXX payroll deposit. I am without money at this time. I go to this bank every Wednesday to do this same over the counter withdrawal if you check my records. I have XXXX small kids and am now without any money. Please fix this the cash was not given to me and I have the e-mail I sent to the branch manager XXXX XXXX advising her that the amount had settled and was taken. I am attaching the e-mail below. I have been with netspend along time and have never had this happen. I was also provided with chase reference cancellation number XXXX Please fix this! 


XXXX XXXX XXXX standing XXXX XXXX XXXX fl 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 2023-08-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I entered into a trial loan modification agreement with XXXX XXXX. They had just purchased the loan a few months prior from XXXX XXXX. At the time, I was in the middle of a forbearance with XXXX which was at a standstill due to XXXX backup. I successfully completed the trial and was approved for the modification in XX/XX/XXXX and given a new payment amount. I've been making the required monthly payments since that time, however, my account online and with the credit reporting agencies show me significantly behind and inaccurate account balances. I disputed the information with the credit reporting agencies, and XXXX removed the account from my credit report. I am awaiting a response from the other XXXX. I've called numerous times to inquire about the delay, and I'm always told everything is complete on their end, however the " investor '' has to complete their part. I gather it's the entity hoping I default on my agreement so that they can benefit from the significant equity I currently have in the home. Also, the document reflecting the approved modification agreement is the only document missing from my document center online. Luckily, I had the foresight to request the document via email after several times I was told it was in the mail and I never received the hard copy. A couple days ago I called and stated I was getting an attorney involved due to the harm they are inflicting on my credit history, and today I received an email stating the modification is complete as of XX/XX/XXXX - today. This is contrary to what I've been told since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CBC Companies, Inc.
State: NC
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 tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax REFUSES to remove inaccurate information on bankruptcy. This item is still being reported incorrectly and is extremely detrimental to me. Also Equifax is the ONLY credit bureau that is reporting this inaccurate information that they can verify through the courts. 
This has caused me emotional and financial hardship because XXXX does not want to act in accordance with the Fair Credit Reporting Act, XXXX XXXX. 
I have requested that the inaccurate information of : Chapter XXXX XXXX be verified by including : 1. Names of individuals you contacted for verification 2. Their addresses 3. Phone number I need to have this certification so that I can check it as well. If Equifax can not furnish those items requested then they must remove them according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EdFinancial Services
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
EdFinancial is my current loan servicer. I have confirmed this with Student Aid, my school, and also Edfinancial themselves. I made an account with Edfinancial to set up automatic payments. When I go to sign into this account, I get the message " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I then called Edfinancial to see what was going on and to get into my account. After waiting on hold for nearly 3 hours, I finally was able to speak to someone. She confirmed that I had about {$17000.00} in student loans with them and was unsure why it was giving me this error message. She said she could take payment on my account. When she went to put in my information, the same error message popped up for her. She could see my account, but the system would not allow her to take any payment. She said she flagged the account and to check back in a week to see if it was fixed. I tried again a week later, and I still can not access my account. I called back and was told that they still were not sure what was wrong with my account, and they were still unable to take payment. I asked them if they were still charging interest on my loans, and they confirmed yes, they were. They are telling me they can not stop the interest from being charged to the loans even though I have absolutely no way to pay them, and they are unable to resolve the issue with their system. I asked to speak with a supervisor and was told I would get a call back in 24-48 hours. I never got a call back from anyone. I just tried to login to my account, and I still can not access my account. I spoke with someone with student aid who told me that the only thing I can do is file a complaint. I have applied for the borrower 's defense, but I still want to make payments on my loan in case the borrower 's defense is denied. I do not just want to hope it gets accepted and rack up tons of interest. This is insane that I have no way to make payments on my loan, yet they continue to charge me interest. I just want to get into my account and make payments. Please help me!

Company response to consumer: In progress
Consumer complaint received 2023-05-05
Company: Wilber and Associates, P.C.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several threatening phone calls in response to an accident that I was not involved in. I have relayed the information that I wasnt involved in the accident however, they continue to contact me I have asked them several time to stop they then began to call and make threats to have my license suspended they refuse to allow me to talk and explain the situation or even relay the contact information of the involved party they just keep calling and threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: ONEMAIN FINANCE CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and XXXX  made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXXXXXX XXXX Account number:XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 1681s-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 non-monetary relief
Consumer complaint received 2023-10-27
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I was made aware by Newrez XXXX XXXXXXXX XXXX XXXX that I will have additional payments for monthly Escrow shortage in XX/XX/XXXX due to 3 months lapse in property insurance the ending of XXXX and the company placed insurance on the property. The total amount of the escrow was going to be {$1000.00}. The option was given me to pay the entire shortage amount prior to the month of XXXX of {$1000.00} or to pay an additional amount in my monthly mortgage of {$83.00}. On XX/XX/XXXX, I made a payment in the amount of {$1000.00}. Unbeknownst to me the payment was sent to principle and not escrow as per request on the check. Per representative of the bank who I spoke to in XXXX after receiving a late notice ; the payment made in XXXX was allocated to extra principle. I did not look on my statement from the bank until XXXX as I know my mortgage amount is fixed ( I pay my own taxes and insurance ) and saw I was being charged {$83.00} monthly and now my account has a past due amount of {$2100.00} of which {$410.00} was for unpaid late charges. My mortgage is paid before the tenth of each month. I spoke to another representative who told me they were not able to reverse the money that was sent to principle in XXXX because the request was not made within 30 days of payment. On XX/XX/XXXX, I made a payment for my monthly mortgage amount of {$1600.00} and two days later XX/XX/XXXX an additional amount of {$1600.00}. I called the company close to the ending of the month of XXXX to ensure the extra payment was allocated to the right department. Again, it was not sent to the right department. My request was made before the 30 days time and I requested an adjustment. The representative stated they had to do an analysis and a refund will be issued to me for the overage. I called again XX/XX/XXXX, and was informed the refund was being process. I look at my statement again XX/XX/XXXX and again the adjustment was not done. Spoke to several representative XX/XX/XXXX which included a manager and again they have to do another analysis.

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