BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-06
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
O n  XX/XX/XXXX ,  I sen t Lexis Nexis ( Consumer Center ) Attn : Full File  Disclosure,  XXXX , GA  XXXX , a certified letter along with supporting documentation regarding a Tax Lien from  XXXX   County Superior Court  ; Case ID #  XXXX , filed  XX/XX/XXXX  in the amount of {$1800.00}.     LexisNexis has been reporting to  XXXX  completely inaccurat e information. First of the a ll, the tax lien originated with the  Georgia Department of Revenue ( I ncome Tax Lien Section )  ; Lexis Nexis  has the Case ID #  XXXX  ; In addition, the lien was released o n  XX/XX/XXXX  ; Lexis Ne  xis has it being released on  XX/XX/XXXX . Furthermore, On  XX/XX/XXXX , and  XX/XX/XXXX , I disputed the sa me tax lien with  XXXX  reported by  XXXX   County Superior Court ;  Case #  XXXX  ; Amount : {$1800.00} in the file of  XXXX  maintained under my Social Security number.     I was informed on   XX/XX/XXXX  t hat the item was deleted from my credit report.   Now I discovered that the item has been reinstated on my credit report.   In accordance with the requirements of the FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ),    XXXX   was required to notify me of the reinsertion in writing within  5  business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 )  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I WAS NEVER NOTIFIED OF SUCH REINSERTION OF THIS TAX LIEN ON   XXXX     CREDIT FILE UNDER MY SOCIAL SECURITY NUMBER.      Please validate this information with  XXXX   County Superior Court and  h ave Lexis Nexis  provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file maintained under my social security number. I do not consent to  XX/XX/XXXX  or any means of automated verification, which is exactly what LexisNexis is doing along with  XXXX      Note : The  Georgia Department of Revenue n or The  XXXX   County Superior Court N EVER RELEASE ANY INFORMATION TO CREDIT REPORTING OR CONSUMER REPORTING AGENCIES. I have accompanied proof of this fact.     I have accompanied this dispute with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX  XXXX   XXXX {$150000.00} XXXX XXXX {$110.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1600.00} BANKRUPTCY-DISCHARGED XXXX {$0.00}

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 2023-05-01
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX XX/XX/2022, I made a mortgage payment over the phone. The reason was because I changed my auto payment info and didnt think the the mortgage company would interrupt their auto payment process. I recently received an email from said company saying I have an important document to review. Viewing the document shows an overdue payment fee. Talking to two representatives solved nothing to remedy this snafu with the process. Not intentional on my part. Talking to the representatives I was constantly interrupted and not allowed to explain my position. Their answer was something on the order of a signal was sent out previously. If this signal is finite why didnt I get an email every month stating I have documents to review. This incident happened over 14 months ago. If nothing changes on my statements I dont need to look them up. Well something changed. I feel I may be, along with other people, of being embezzled out of funds. The mortgage company didnt fix their process then and they think I can fix it for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Three weeks after my loan was paid in full Chrysler pulled a payment from my account. That payment has not yet been refunded and it has been over 2 weeks since that happened. The pulling of this payment caused {$56.00} in Over draft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: AMERICAN EXPRESS COMPANY
State: SD
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:
On XX/XX/XXXX, I received an email telling me I had options for a different flight and I asked about a refund. Never told them to give me one. On XX/XX/XXXX, I received an email from American Express saying that I had been refunded for a flight for my honeymoon to XXXX for {$1900.00} Unaware of this, I did not rebook my flights. I booked my flight and hotel together and they only refunded my flight because my flight had been changed. On XX/XX/XXXX six days before my flight leaves, I got a confirmation email saying that the flight I had booked is still ready to go. I showed my wife the email on XX/XX/XXXX and she looked it up and it showed that the flight had been refunded and it was not good to go. I called American Express and they said that I needed to rebook the flight for the new up charge of {$1500.00} per ticket ( I needed two tickets ). They said I would have to book them if I wanted to go and they would create a case for me to dispute the charges and would contact me within 72 hours. American Express does not contact me within 72 hours and by the time they do contact me Im out of the country with no cell service. They called me XX/XX/XXXX. Almost a week later. They email me on the XXXX as well which I respond by telling them I wont be able to get talk because Im out of the country. I will be back on the XXXX. Once I get back, they call me on XX/XX/XXXX. I talk to a female named XXXX. She tells me that they have documentation showing that it was refunded and that I need to take accountability. They offer me a {$500.00} travel voucher thats good for a year. I received an email and a refund but I did not notice it until XX/XX/XXXX. As previously stated above. American Express canceled my flight not my hotel, forced me to book a new flight and add another night, and then told me that I need to take accountability for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: AZ
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my 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 2023-09-28
Company: EQUIFAX, INC.
State: TN
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 am writing to address a discrepancy in Equifax 's response to my complaint through the CFPB portal on XX/XX/2023. The response provided by Equifax is inaccurate and unrelated to my credit report. It appears that they have mistakenly addressed the response based on a family member 's credit report with a similar name, rather than my own. 

To clarify, my name is XXXX XXXX, and upon reviewing my credit report, I found that every account mentioned in Equifax 's response is not listed anywhere on my report. The only collection listed on my credit report is from XXXX XXXX XXXX account number # XXXX. 

In my initial complaint, I clearly stated that XXXX account # XXXX has violated my rights as per the Fair Credit Reporting Act, specifically referring to my right to privacy under 15 U.S.C 1681 section 602 A. Additionally, section 2 of 15 U.S.C 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions.

I kindly request that you address this matter accordingly and rectify the situation with Equifax. It is evident that they have pulled someone else 's credit report, erroneously associating it with my complaint.

Thank you for your attention to this matter. I look forward to a prompt and accurate resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: Payfare International Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX  XX/XX/XXXX XXXX {$99.00} XX/XX/XXXX XXXX {$48.00} XXXXpayfair refuses to credit these refunds to my account. I have tried daily for 14 days, now they say since it's outside 10 days, I'm out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The private XXXX loan on all three of my credit reports XXXX XXXX, two of them, were taken out as indicated in XXXX. I graduated in XXXX. I filed bankruptcy in XXXX which was awarded in XXXX and they were included. They are private not federal so the discharge was granted. They were sent a copy of the discharge and initially removed this from my report. The co signer XXXX XXXX passed away in XXXX. Shortly after than it appeared, then disappeared, and has reappeared again. This was discharged in a bankruptcy in XXXX, it is a debt that is over 13 years old, and should not be on my report. This is NOT a federal XXXX loan, it is a PRIVATE loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: KEYCORP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today is XX/XX/XXXX. I am receiving calls from KeyBank stating I owe {$30.00} for a service fee on an account ( maybe a checking account ) closed in XX/XX/XXXX. I have never received any previous written communication or phone calls about this. It would seem that KeyBank would have an obligation to notify me in writing with a statement, or some other means, rather than waiting nine years to bring this to my attention with a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I legally applied for mortgage assistance during the pandemic. I have since caught up all of my non-payments and my mortgage loan is current. 

My home mortgage has now been sold several times. 

It has now increased over $ XXXX with the explanation being that there is a {$3500.00} shortage in my escrow account. I don't understand how this shortage occurred. The previous loan holder was Mr Cooper. It is now with RightPath Servicing. The monthly increase is a hardship for me. 

I also requested that the loan be in my legal name, not my former married name. I was told that they couldn't change the loan name unless I refinanced and that they were a servicing company not a mortgage finance company. 

How do I get my loan back to a mortgage company? How do I decrease the payments? How do I get the loan in my legal name?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: CA
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 been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX {$0.00} not mine XXXX {$130.00} not mine XXXX XXXX XXXX XXXX {$12000.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Company continue to report fraudulent information on my credit report. Since XX/XX/18 XXXX have reported a fraudulent account that I did not authorize in my name and the credit agency report this negative account without properly investigating. Check my credit history, I pay what I legitimately owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
received Vanilla gift card for XXXX $ for birthday.Tried to use one time at XXXX but came up '' invailad card '' so I called company on XX/XX/XXXX after unsuccessfully trying to activate online.I was told card was used XXXX minutes before (! } at some " floral shop '' but couldnt tell me what state.I think this occurred when I had tried to activate it online.Customer service said to call back on XX/XX/XXXX to see if the purchase went thru, either way she was putting a hold on the card-it was difficult to understand her XXXX accent -to investigate, I assume.So Im screwed no matter what.Checking online, I see this is common and part of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccuracies and incorrect information on my credit report in XX/XX/2022. I noticed these changes on that same day. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. These items should be removed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Accounts in question : 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 Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Current and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all addresses- Current and only XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXCurrent and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXCurrent and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been having issues with capital one charging me fees for using atm listed on their app. They are charging me non network ATM fees even though the app clearly shows them in network. I have called them repeatedly about this frustrated about the time Ive wasted getting this cleared up Capital one has closed all of the ATMs in my area and there is only XXXX branch in XXXX. I got an email yesterday that says they are closing my accounts and I am not allowed to open XXXX in the future I have been a capital one user for XXXX years. I am upset that they blocked my going forward for their products. They are a huge bank and its unfortunate I cant use their products

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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, XXXX XXXX XXXX/ Account XXXX has violated my rights as follows 15 U.S.C. 1681, Section 602 A, states one has the right to privacy. 

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account to one 's credit report without written instruction provided to them by said person. 

Further, the company providing the information to my credit report has failed to provide any credible proof that the account belongs to my person. I am requesting that this account be removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
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: Was not notified of investigation status or results

Complaint:
To Whomever This May Concern : My patience is getting very thin with Equifax. To the point where I am about to retain an attorney. A XXXX called me on XX/XX/19 at XXXX pm. She told me that the inquiries in the attached document would not be removed, even though Equifax stated that they would. That is unacceptable and I have the ammunition to sue because they removed them and then added them back on. I need those inquiries in the attachment to be removed asap. I have sent over information and identity theft affidavits verifying identity fraud and now Equifax decides that they are going to add information back on to my report without my permission after they said they would remove it and they put it in writing. I don't think so. I am giving them one more chance to fix this before I exercise my rights to file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief