BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: LEXISNEXIS
State: NY
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:
LexisNexis is sharing inaccurate information with the 3 credit bureaus : XXXX, XXXX, and XXXX. I sent them a notarized letter via certified mail and a letter from the court regarding this inaccurate public record. LexisNexis needs to remove this erroneous item from my file. It is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Issue is identity theft allowed by apartment, and fraud allowed by apartment and utility company. They have a business relationship and neither party has attempted to rectify the situation. Both parties knowingly allowed me to be charged electricity that i did not utilize even after proof was provided. 

If tenant had moved in with utilities set up, i would have never been charged. Apartment is lying, and utility company has allowed it. They could reimburse me and obtain the outstanding debt to the occupying tenant that it belongs to. Apartment has refused to send me their information. 

XX/XX/XXXX was the month i moved out of this apartment. I had to set up utilities with my lease term in the beginning, and I was not allowed to get keys until this had been done. 

When I moved out, the new tenant used my account to set up utilities. The utility company claims it is impossible for the same address to be on two account numbers, and this tenant used my account number knowingly and the apartment never verified their account was set up. 

This violates their move in policy with the apartment complex, and XXXX confirms this by stating the account was never set up in their name. 

I was ultimately charged on auto pay for several months, resulting in thousands of dollars until XX/XX/XXXX when I realized the {$500.00} bill being taken out. 

I called the utility company and apartment complex to try and resolve situation, and be reimbursed for the money. I was given no help on either side, and the utility company sent the following month of utility bills to collections without notifying me or calling about the debt. I had no idea until it reported to my credit report as a collection. 

Now, I have suffered thousands in damages and can not refinance my mortgage any longer. I tried disputing the charges with the credit bureau but because it is my name on the account, they say it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, I attempted to make a transfer through XXXX XXXX using my debit card. XXXX declined the transaction due to a mis-match on my phone number, though the {$83.00} was charged as pending to my BOA account XXXX ( RT ) XXXX ( acct ). I called XXXX XXXX to instruct them that the transaction was approved and already posted XXXX as pending. They advised that they showed no {$83.00} transaction pending in their system. 

They participated in a 3 way all between myself and BOA to explain why the transaction would not be processed by XXXX. The BOA representative told me to call back on Tuesday ( today, XXXX XXXX, XXXX ) if the pending transaction for {$83.00} was n't refunded to my account. NOW the associate tells me that I ca n't have my money back until Friday. 

This is {$83.00} authorized, but never captured from BOA ... you still have the money. There is no reason why this error should be withheld from my available balance for a week. 

The pending transaction is UNAUTHORIZED as a transaction that will never be processed. Under Federal Regulation E, I have the right to that money right now. At the time of the 3-way call, BOA confirmed that all these instructions would be noted with the transaction, which appears not to be the case. I was told by BOA ... it 's just a computer, beyond any human control to change it.

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 2018-10-18
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: Old information reappears or never goes away

Complaint:
the answers should be clear in the attached memos from Experian deleted the account in collections from my report a year or two ago. Its back. Its very upsetting and frustrating since it has negatively impacted my credit score again! I want it removed and fixed please!!

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 2020-05-06
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY 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 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion has been careless in sharing my information and I'm furious. I am already a victim by XXXX carelessness and now Transition. Recently I went through my report upon finding my information was compromised in the XXXX mess. Now as I tried to secure my information Transition sent a letter with my reference number giving whomever access to obtain details on my report. I have not lived at the address they sent my credit info to in over 15 years. Their actions are completely inexcusable especially after the huge XXXX breech. Now I have to take additional steps, time, and effort. I am certainly filing action. The letter was opened when I received it.

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 2019-04-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX someone accessed my mother 's Chase online login, through which she had access as a user of both my and my brother 's bank accounts. That person initiated a XXXX with XXXX transfer from my brother 's account into my account, then transferred {$1300.00} out of my account with XXXX to a person no one in my family is familiar with. Due to a low balance alert on my brother 's account we became aware of this issue almost immediately while the transaction was pending and called Chase, but it was not stopped. Then while my mother was on the phone filing a claim ( I could not as it was technically my mother 's login compromised ) they initiated another transfer for the remaining sum in the account, around {$250.00}, and this transfer was stopped as not authorized as they were on the phone with her. We have not heard any resolution on this claim despite multiple family members trying to speak with someone in the fraud department. They did as a courtesy make the funds available again, but pending resolution of the claim they may need to be returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are inquiries on my XXXX  and TransUnion that do not belong to me. There are also other content on my XXXX  with an account called XXXX XXXX that I have removed 3 times already and they just put it back on my credit file which is unlawful and I'm ready to pursue charges. 
There are other filings I will be reporting in another complaint about all three bureaus, but I submit that when I attach the documentation.

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 2021-04-08
Company: The Receivable Management Services LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivable Management Services, LLC Has in credit report on a bill that should NOT be there. They cant track down the account number or information. I have disputed with progressive about this. Had account canceled a month before. Got new coverage and coverage had told me that theres a lapse in policy due to no coverage my rate was higher now. Debt should not have been billed to me if there is a lapse in coverage month before had been paid off. ( because account was closed! ) I have emailed RMS about this and they cant find an account with this information and cant help.

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 2019-04-18
Company: DISCOVER BANK
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 have checked my credit report & notice they have been some accounts on my report that I had no idea of & do not recall applying for. I have contact these companies multiple time & even sent dispute letters to all 3 credit bureaus regarding this matter. I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies Company name : XXXX XXXX XXXX Date : XX/XX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly informed EOS CCA and XXXX that I was a minor child at the time of this alleged service by XXXX. On XX/XX/XXXX, EOS CCA continually report on all 3 of my credit report inaccurate information. EOS CCA has stated on my credit report that the information is accurate when it is false. Please see attached Birth Certificate and copy of what they ( EOS CCA ) continually reported on XX/XX/XXXX credit report. The picture shows that this has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Bread Financial Holdings, Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX pulled my credit report on XX/XX/2018 after a phone call to ask about letter I received from them then next day inquiry on my XXXX report called next day to them they said I did the pull of my credit I gave no authorization for this I want this removed and I am also canceling my card cause me nothing but stress with this matter I need them to take care of this and I wont deal with XXXX ever again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
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:
three fraud accounts are reporting under my credit file under equifax, these three accounts were disputed several times and no answer from equifax they can not help me and wont help me, they dont even place disputes, each time i call they say its on dispute or they says we can not place under dispute. please help my whole life has stopped because of these fraud account that were opened without my knowledge, i research and found your website, i figured it is better to try then just sit and do nothing, please i will be attaching my FTC report and the police report. 
appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: OH
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:
On XXXX XXXX, XXXX Equifax admitted they had a breach more than a month prior to XXXX XXXX, XXXX. For 41 days my intellectual property ( IP ) were exposed to and was unaware of potential identity theft during that time. Equifax gathers personal private intellectual data also known as sensitive financial data on consumers payment history then sells that data to banks, insurance companies, potential employers, landlords, and government agencies in the form of consumer credit report. Better known as a credit report as a result of Equifax data breaches. The Fair Credit Reporting Act, 15 U.S.C subsection 1681 ( " FCRA '' ) is U.S. Federal Government legislation enacted to promate the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX, my wife XXXX XXXX. At the time of her XXXX, I satisfied my mortgage loan of {$120000.00} with XXXX XXXX XXXX ( see attached payoff statement ). At the time I was preoccupied with the XXXX, XXXX XXXX, etc. It was not until a few months ago that I rediscovered the life insurance policy that my wife and I had with XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX ( XXXX ) ( see attached " Approved '' letter from XXXX XXXX ). 

I contacted ( XXXX ) approx. XX/XX/XXXX regarding the policy. They had confirmed that the monthly premium of {$58.00} was being paid by GMAC out go escrow through my mortgage payment ( see attached policy cover letter ). They then informed me that GMAC had stopped making Payments XX/XX/XXXX. After questioning XXXX/XXXX as to why GMAC would stop making payments, I was told that GMAC could have changed insurance companies. 

After making attempts to call GMAC I have discovered they are no longer in the mortgage business ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is a debt from at least 5 years ago. Placed with this company in XXXX of 2018. It was owed to XXXX for electricty when I was living in another apartment. I called to day to tell them that I could not afford to pay debt because I am on Social Security XXXX and was on limited income. The person I talked to was very rude demanded I pay, when I told her I was on Social Security, she told me that does not exempt me from paying this collection and that I will continue to be bothered by them, and she hung up Well, I cant pay because I have limited income. And they will never get paid, so what difference is it if the release it now or 20 years from now. Same result. Less frustration on everyones part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Refinanced XXXX  mortgage loan, closing date : XX/XX/2020. XXXX XXXX rec 'd final payment from XXXX ( closing attorney ) who apparently mistakenly short-paid XXXX in the amount of {$4900.00}. Upon realizing this mistake, they corrected within 48 hours ; additionally offered a letter of accountability. XXXX reports " late mortgage '' payments for XXXX and XXXX on my credit report through XXXX and Transunion. I have made four attempts to correct with the previous lender and credit bureaus ( offering them supporting documentation ) and they will not remove the negative remarks from my credit report. Letter of accountability clearly states the human error lies with the closing attorney. Furthermore, {$4900.00} on a {$210000.00} pay off marked " two days '' past due date does not justify TWO 30-day late penalties on my credit reports. 
The result of this has caused credit limit decreases totaling {$7400.00} and credit denial for new credit accounts or increases, three creditors have even completely cancelled access to existing credit accounts with a reasoning " recent late mortgage '' payments -- which I have zero. I pride myself on a stellar payment history to my creditors. 
PLEASE help me with a remedy for fair credit reporting for this unique situation. 
I have worked very hard to build my credit -- to have blemishes I can not control is unjust. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
DEAR SIR/MADAM, I RECEIVED OKLAHOMA TAX REFUND AS A DEBIT MASTER CARD, A XXXX CARD, END OF XX/XX/2018. I ACTIVATED IT AND THE THE TOTAL AMOUNT THAT OKLAMHOMA REFUNDED WAS {$370.00}. HOWEVER WHEN I WENT TO USE IT I COULD ONLY USE {$370.00}. THUS, I CALLED MANY TIMES TO GET MISSING XXXX REFUNDED. I NEVER CALLED TO GET THE BALANCE ON THE CARD, BUT THE COMPANY HAS A SCAM THAT EVERY TIME YOU CALL THEY CHARGE YOU XXXX, EVEN THOUGH YOU DO NOT WANT THE BALANCE. SO JUST TO SPEAK TO A REPRESENTATIVE YOU GET CHARGED XXXX, THIS WAS NOT NOTIFIED TO ME WHEN I RECEIVED THIS DEBIT CARD FROM OKLAHOMA TAX REFUND. THIS IS THE FIRST TIME I HAVE RECEIVED THIS TYPE OF DEBIT CARD. MY LAST CONVERSATION WAS WITH A SUPERVISOR NAMED XXXX XXXX XXXX ON XX/XX/2018 WHO SAID I WAS REFUNDED XXXX ONCE BUT NOW I HAVE A NEGATIVE BALANCE BECAUSE I CALLED SO MANY TIMES, SINCE EVRY TIME I CALL TO SPEAK TO A REPRESENTATIVE THEY CHARGE XXXX CENTS. XXXX XXXX OWNS XXXX XXXX, THE NUMBER OF XXXX IS XXXX, THE NUMBER OF XXXX IS XXXX. PLEASE ASSIST ME SO THE COMPANY SENDS ME A CHECK FOR XXXX, THEY SHOULD CLOSE MY ACCOUNT AND MY CARD. I ASKED XXXX TO DO THAT BUT SHE WILL NOT CLOSE MY ACCOUNT, SHE SAID SHE WILL CLOSE MY CARD BUT WILL NOT SEND ME EMAIL OR MAIL VERIFICATION THAT THE ACCOUNT IS CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no account or contract with Portfolio Recovery or XXXX XXXX XXXX. The original creditor has been sent a copy of my theft report as well as well as this third party Portfolio Recovery. They sent me a letter removing on of the accounts on same theft report with the police report and also my attorney information The XXXX XXXX XXXX, but keep attempting to collect on a account that is not mine and when asked for a contract with a signature i am sent copies of a print screen shot of a old bill, I am requesting a copy of a Contract with a valid signature sent to me & / my attorney office. I am aware this is not validity of any debt. I am also requesting a copy of my signature with any contract with Portfolio Recovery. Payment history and accounts payments are being made from. Do Not Provide Me with screen prints on a fraudulent account. All information is to be sent to my attorney office also.

Company response to consumer: Closed with explanation