BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-04
Company: LEXISNEXIS
State: GA
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:
CONSUMER # XXXX XX/XX/XXXX my wife reached out on my behalf to file a dispute with LexisNexis to have the NON-VERIFIED information regarding a dismissed bankruptcy that claimed to have taken place XX/XX/XXXX removed for false information. I'm in the process of rebuilding my credit to purchase a home and have a time limit to do so. The time limit for the information to be looked in is 40-60 days. The time is up for LexisNexis 's research and I'm requesting the information to be removed and provide me with an updated status on my LexisNexis report with the information showing " no bankruptcy being reported '' in the NON-VERIFIED section, not verified. Verified section has already been removed and I received documents on XX/XX/XXXX showing this. XX/XX/XXXX, I was told by a LexisNexis representative that the credit reporting department, which can only be reached by LexisNexis employees, is still working on the dispute after the allotted time has passed. LexisNexis has used the the whole time frame to do this and since they're not able to come up with any information proving their claim, they should not get further time to do so. I am crunched for time and should not be hassled nor hindered by false information being reported on their behalf. LexisNexis should let its customers know when disputing reported information that when they receive the updated report showing an item being deleted, that they are in fact portraying false information. It seems like LexisNexis is " blowing smoke '' in a consumers face to make it seem like they've corrected an issue when in reality there's a UN VERIFIED section that has to have a dispute placed in as well. A consumer would  only find this out if they're actively watching their credit report and having the credit reporting agencies come back saying LexisNexis has verified the same information they claimed to have removed. Taking more time for the consumer to have the information deleted and putting more inconvenience on them. I've been going back and fourth with this company since XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was contacted by XXXX that a hard inquiry was on my credit report from Kohl 's. I found that odd because I've had a Kohl 's card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from KOHLS/XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called Kohl 's today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX I have received my request for ICR and my three loans interest individually are 6.840 7.000 6.310 so that means it should be 6.716 or rounded 6.72 % which we discussed on the phone. The letters said that it will be 6.75 % which is clearly not the correct Interest rate, I mean a XXXX year old can do that math. MEANWHILE they said I could not do this until I was out of my grace period so I have to be in a forbearance until XXXX for approval. I will be accruing interest during this time. With the lawsuit against Navient I just have absolutely no trust in them at all and every time I call I feel like I am being lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Continental Finance Company, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
RAN CREDIT WITHOUT PERMISSION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: GVA Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money Multiple loans provided to me by XXXX, funded XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amounts of {$450.00}, {$650.00}, {$750.00} and {$800.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX is not licensed to make loans in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: LEXISNEXIS
State: GA
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 recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC and a police report had to be filed. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX 's XXXX  XXXX   Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: RentDebt Automated Collections, LLC
State: TX
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:
In XX/XX/XXXX I received orders to deploy immediately via permanent change of duty station and had to move out of my apartment with short notice. The apartment complex was XXXX on XXXX in XXXX Texas at XXXX XXXX XXXX XXXX. Upon move out a water valve in the apartment for the washing machine failed and caused flooding. This equipment failure has nothing to do with my actions and caused a very stressful situation in my apartment trying to get the water shut off. The apartment complex added almost {$400.00} in water abatement fees to my final rent statement, which I disputed as I was not at fault in the matter. During the dispute timeframe XXXX on XXXX changed management companies and the new management company ignored my dispute and sent the statement into collections. Rentdebt inc received the collections notice and notified me. I contacted XXXX on XXXX to continue the dispute and explain the situation. XXXX on XXXX offered to review the final statement and while I awaited the results of their review the account formally entered collections. I have contacted rentdebt and paid the original amount owed in XX/XX/XXXX as I felt there was no recourse for me. I am a federal employee with a clearance and I am applying for new federal positions which do not accept applicants with accounts that have been in collections ( Army Chaplaincy and a federal law enforcement agency ). I know there are consumer protections to prevent property management companies like XXXX on XXXX from erroneously charging excessive or unfair fees upon move out but at this point I feel like a victim of a massive real-estate company sticking me with the cost of their lack of building maintenance and have no other recourse than to continually dispute the entire affair. I have explained the situation to Rentdebt inc and they have refused to remove the account from my credit report. I have disputed via XXXX   twice with no change. Please investigate and assist me with this predatory leasing/landlord situation. XXXX on XXXX leasing office can be contacted at XXXX and rentdebt inc can be contacted at XXXX. I can be contacted at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently pulled my reports and noticed you are reporting the incorrect balance owed and date paid for this account ( XXXX XXXX ). In fact, per their correspondence, my debt is not owed by XXXX  XXXX XXXX and was satisfied internally. The information is being reported by your company and the bureaus are different, this means the account has not been properly verified. Most recently, this company reported that my last payment activity was in XX/XX/2021 which is incorrect. They are now continually re-aging my account which is against the FCRA.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$5900.00}, {$1700.00}, {$2300.00}, {$31000.00}, {$23000.00}, {$5900.00}, {$48000.00}, {$1300.00}, {$2200.00}, {$0.00}, {$5200.00}. 
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 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 XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

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 2020-05-11
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: Information belongs to someone else

Complaint:
MY IDENTITY WAS USE WITHOUT MY CONSENT I AM XXXX XXXX SOMEONE USE MY INFORMATION TO OPEN UP SEVERAL FRAUDULENT ACCOUNTS USING MY INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I took out a loan so my son could complete his studies. afterward, I lost income due to the fact my son was hospitalized and I had to become his caretaker. I ran out of money and became XXXX  for several years. I continued to send monthly payments to the agency that was a lot less than the amount expected and shared with them my difficulty and continued to make payments of the lesser amounts. Several times via phone calls I was promised to be given break because of my dire financial straits. I continued to be diligent on making payments of the lesser amounts often and told if I did make payments of at least {$40.00} monthly religiously for a year, I would be in an ln forgiveness program and my debt would be wiped away. Last year I got another call asking me to increase my monthly payment to {$80.00} a month with the same promise. I got another call with a complaint from the same agency agreeing that the previous callers dropped the ball and did not record the verbal agreement. They are threatening to force my current spouse to pay the bill in full, he is not responsible for this loam. They want to force me to sign new paperwork lying that I rejected an offer for a lower rate, then telling me getting the lower rate is not going to help me. 
I sent them a letter telling them I am still making payments of {$80.00} monthly as previously agreed upon and will continue to make these payments. This threat of making my husband pay monies he does not owe will again put me in a homeless situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: CITIBANK, N.A.
State: MD
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:
My Citi credit card has a feature that I can return a purchase to them if I cant return it to the retailer. I used this feature on XX/XX/18 for a messenger bag I had bought and could not return. 

Citi gave me a XXXX shipping label to send it to them. I dropped the bag off at a XXXX location. After a month and no update from Citi, I called them and they told me they had not received the bag. They told me to contact XXXX. I went to the XXXX store and was told they would have to open a trace because tracking showed it was never processed. The trace was closed without XXXX finding the bag. I contacted Citi and they said it was my responsibility to send them the bag, and that they wouldnt do anything further for me. 

I don't normally use XXXX because it is inconvenient for me to get to a location. I only used them because Citi instructed me to do so. Citi didn't give me an address to send the bag, they just sent me a shipping label. I could not send the bag to them any other way. Now they are saying they take the word of XXXX over mine, and they will do nothing further to assist. My bag is lost because I used the shipping label Citi gave me ; had Citi just told me where to send the bag, I would have used a different, and in this case more secure, method of shipping. 

Now I am out {$270.00} and a bag

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XX/XX/2020 I filed a complaint about inaccurate information on my credit report. There were unauthorized accounts and unrecognized accounts.These inaccurate items need to be 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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have unauthorized inquiries and a late payment I disagree with and a collection account I believe that is not mine

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 2020-06-30
Company: Experian Information Solutions 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 {$5900.00}, {$1700.00}, {$2300.00}, {$31000.00}, {$23000.00}, {$5900.00}, {$48000.00}, {$1300.00}, {$2200.00}, {$0.00}, {$5200.00}. 
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 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/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

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