BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
The United States Bankruptcy Court does not report to the credit bureaus.  Lexis Nexis  does not own my bankruptcy account and therefore can not report my information to the credit bureaus. This information needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021, a letter was shown delivered to NCTUE. In that letter was a request for my full consumer disclosure, security freeze, and deletion of my information from the company. I had never contacted this company prior to the initial letter that was received on XX/XX/2021. 

Today I received a letter stating they were missing personal ID identification needed to process the security freeze request. This is weird because in the body of the letter I have all my identifying information and I also included a photocopy of my driver 's license and a utility bill. 

Also, for them to send me this letter about a security freeze means they also saw the part of my letter asking for my consumer report and info deletion because all were requested in the same letter. If they can not place a security freeze because my information has been deleted then that's fine, but send me a letter confirming the deletion of my information. They still have not sent my consumer disclosure either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
We were in a chapter XXXX bankruptcy and found that our lender had derogatory notations on our credit report. We reaffirmed our mortgage with XXXX XXXX after bankruptcy and they didn't report it to Trans Union because we had made a complaint. After over a year and a complaint to the CFPB they placed our mortgage back on my husbands credit report They will not place it back on to my credit report Please help me I just dint understand why-three of the credit reporting agency 's have fixed this but XXXX XXXX refuses to contact trans union and report my mortgage correctly Is their anything I can do Not reporting my mortgage is negatively affecting my ability to obtain credit and my credit score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I reached out via Certified Signed Tracking mail advising copy to mail me validation of a so-called debt in which this company has re aged reporting on my credit files this company had 30 days from my letter and has refused to validate There claims I advised this company under credit Reporting Act section 1692g that I have a right to a legal form of debt violation I asked this company to stop reporting this illegal debt on my credit files and they have refused this company is reporting false incorrect balance amounts, false Ownership of this debt, reporting a Re-aged debt I called this company on XXXX at XXXX XXXX spoke with a supervisor and that supervisor advised me that the account had a Cease and Decease action report in there system however this company has neglected To advice the Credit Reporting agencies To remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I see an UNKOWNN Collection item in my credit report. I see incorrect details such as missing payment history, terms, credit limit, etc. Actually, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Experian Information Solutions Inc.
State: ND
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:
All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to  various debt collectors, employers, financial institutions, and a host of others.

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 2017-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried over the past 10 years or more to understand the libor index, the origination fees, the fees on top of unaccounted fees from XXXX XXXX XXXX and Bank of America since XX/XX/XXXX. They can not dispute all the additional monies I have accumulated from the original loan of {$20000.00}. I hired a private attorney XXXX XXXX of XXXX, Ohio at XXXX, to clarify the mass paper confusion, which has cost me thousands of dollars from this private parent loan from XX/XX/XXXX, it will be XX/XX/XXXX and I will be XXXX years old. Bank of America 's liaison person is XXXX XXXX at XXXX ext. XXXX sent me a document with a XXXX XXXX instead of XXXX XXXX, which is not my son 's last name. I called her several times before she responded to the bank 's mistake on that financial document and correspondence between the bank and the school. I am forwarding in an attachment of the " wrong names '' and the scratch out numbers that are hand written by the bank of {$34000.00}. Please not the time lapse of two months before the document was revised without the {$34000.00} displayed with new fees. Bank of America / XXXX refused to answer XXXX XXXX 's correspondence of his calls regarding his findings. I ran out of money before a resolution was completed. I ca n't compete with a XXXX dollar corporation. I hope that this new paper work will create some serious questions into the past lending practices of this bank, that cause them to shut down their private parent loans department.

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 2022-01-19
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was transferred to Mr. Cooper effective XX/XX/XXXX. 

Under my previous lender, I was in Covid forbearance and submitted 3 trial payments before the transfer. Because the transfer occurred after the 3 trial payments were submitted and before a loan modification/solution was initiated, Mr. Cooper inherited the responsibility of providing a loan solution. 

I've called several times since XX/XX/XXXX until a call XX/XX/XXXX an associate stated Mr Cooper 's systems are finally updated and they are able to view my loan details and status.I asked about my loan solution status during the XX/XX/XXXX phone call and Mr. Cooper ensured they were working on it. 

Around 10 days later, I checked my Mr. Cooper account dashboard and it stated a solution is approved and it will generally take 3-10 business days to receive the documents. 

I'll called several more times and received the same response until a phone call on XX/XX/XXXX ( approximately a month after approval ), I asked for an inquiry on the status of the loan solution because the documentation process was taking too long. I was told I should receive an answer to the inquiry within 5 days. 

I called again on XX/XX/XXXX ; given the holidays, I thought this was ample time ( nine working days ) to receive an answer to the inquiry. I was told the inquiry wasn't submitted until XX/XX/XXXX and to wait another 5 business days for an answer. 

I called again on XX/XX/XXXX, XXXX, XXXX, and XXXX and there hasn't been any change in status or answer provided to my inquiry. 

My primary concern is that mortgage rates are steadily increasing ( over 0.75 % ) and if it's possible Mr. Cooper 's loan solution department is purposefully extending the process to significantly affect the loan solution and/or refinancing. 

This is also affecting my loan options that are dependent on loan solution documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX XXXX XXXX filed {$750.00} collection before XXXX/XXXX/XXXX. 
I never open a credit with this bank. The XXXX XXXX XXXX sold the case to XXXX XXXX XXXX Right now XXXX. 
I lost my Social security card and Green card too. I report it immigration service and I got replace green card.Also, I I report Social security department and I got replacement. 
I do n't know how fix the problem for that. 
Please help me. 
Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Under the New law effective XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true Bankruptcy listed does include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: SECURITY FINANCE CORP
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Notified Security Finance that I was dealing with their Corporate office due to them running my credit multiple times and I only authorized one transaction. Calling my phone 5+ times a day. Calling my references multiple times. Contacting people I did NOT even put on my reference sheet. Harassing and not Professional collection practice.

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 2018-01-05
Company: Debt Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MEDICAL BILL FOR MY SON FROM 2012 OR 2013, THAT HE WAS DOUBLE COVERED FOR INCLUDING A SECONDARY INSURANCE OF XXXX. IF FACILITY DID NOT BILL IN A TIMELY MANNER OR MISS BILLED, THEY NEED TO WRITE OFF BALANCE AS THEY WERE AWARE I/ MY SON WAS DOUBLE COVERED WITH INSURANCE/ XXXX. THIS IS EFFECTING MY CREDIT, BEING A SINGLE MOTHER OF XXXX, AND DOUBLE COVERED WITH XXXX, THIS BILL NEEDS TO BE WRITTEN OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I paid my Citi card off in full {$1300.00} dollars I used citi app. The payment didn't go through, so I did it again this time it took.When I checked my XXXX  checking account City withdraw {$1300.00} twice.i called city and they would fix the problem in 2 days, today is XX/XX/XXXX and I still haven't received the money into my checking account.I spoke to representative XXXX XXXX and he said it's going to take 2 more days to send the money back to XXXX Bank.I had 1 overdraft which Citi refunded me and now I have a second one because I thought the problem would be solved by now.Not only has it been a big inconvenience but it may hurt my credit score.

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 2019-09-19
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
BBVA credit card company withdrew my payment of {$460.00} twice, one on XX/XX/2019, and then another {$460.00} on XX/XX/2019. After a long communication back and forth, the unauthorized withdraw of {$460.00} by BBVA on XX/XX/2019 was finally reversed to my BBVA bank ( checking account ) on XX/XX/2019. However, also on XX/XX/2019, BBVA billed {$460.00} to my credit card account, and kept telling me to pay this {$460.00} to them. There is no reason I still owe BBVA {$460.00}, and BBVA is unwilling to remove this {$460.00} from my balance, and they can not provide a reasonable explain why this {$460.00} charged to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In the middle of purchasing a house and mortgage lender can not pull Equifax report - even though XXXX  and XXXX  are fine. I do NOT have any type of freeze on account. I was directed to create an account on Equifax and look in " manage freeze ''. No freeze ( which I knew ). Was told to freeze and then unfreeze account hoping to fix whatever glitch appears. Lender still can not pull my credit report from Equifax and Equifax was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
On XX/XX/2020 I went to a dealership with an auto loan check from XXXX  XXXX. Once I got to the dealership they ran my credit when they were not give consent and I received multiple unauthorized inquiries for companies I never applied to. I called multiple times and always been told its nothing that they can do to help me out when I know thats incorrect. 

XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 I also have 2 XXXX  XXXX XXXX inquires on my report and 2 XXXX XXXX inquires on my report so thats 6 total inquires on my report that should be removed I received double inquires for one credit card. Please contact the credit bureaus and have them removed the unauthorized inquires.

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 2017-07-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Under the New law effective XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true Bankruptcy listed does include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
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:
I have and old XXXX XXXX vehicle loan on my credit report. The account is showing status as XXXX-XXXX days late. Its completely inaccurate because account is paid and closed since 2011. I contacted XXXX XXXX  about account. They agreed to clear it up but Equifax refuses to fix account status even though account is closed and paid. The account status is obviously inaccurate because I contacted XXXX XXXX and they said that the did n't even report the payment history for that account so that should have fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt appeared on my credit file as a collection. I have never done business with these people, I have never signed or authorized this debt. I have written to the credit collecting people, and they sent me a form with no signature and claim I am responsible for the debt., I have never done business with their client, I do n't even know who or what they are ( the client ), I am a XXXX year old XXXX person, who lives in a tiny town in Washington state. I dont know where this debt comes from as I havent been out of my state in 12 years

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 2022-01-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Over the past 2 months I have sent 2 letters to the credit bureaus about accounts in collections. I asked for validation and original contracts for each collection. The accounts still remain and have not been fully validated.

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 2019-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief