BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score increased on XX/XX/2021 by 4 points.Three days later my credit score decreased by 7 points.On XX/XX/2021, my credit score again decreased by 4 points.When I go online to check why my score decreased, your experian website does not give me any information why score decreased.The only thing experian does, it suggest to use credit boost.I find this very suspicious.Its like experian is lowering my credit score purposely to use credit boost.Recently, XXXX credit card was deleted from all my credit reports after seeking a attorney.My credit score increased with XXXX  and XXXX  after XXXX trade line was deleted from the report but with Experian, my credit score decreased when XXXX tradeline was deleted.

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 2021-02-08
Company: LEXISNEXIS
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:
Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by Mr. XXXX who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months I need you to update XXXX  that this Bankruptcyneeds to be removed, they are still reporting it on my credit report andciting your company as the furnisher of this false information DESPITE numerous communications indicating that this is inaccurate info. 
XXXX  also refuses to update my personal information on my credit file, they are blatantly ignoring all communications sent to them to resolve this conflict. I have sent numerous letters to them and no response or update on my comments nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Delete these Account immediately from my consumer report I DID NOT give written permissible.

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 2018-07-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Hi there, At the moment to signed the lease with XXXX XXXX  City by XX/XX/XXXX - I wanted to make sure there was not hidden fees, reason for which I asked about the other charges for the amount of XXXX $ that appear in the contract to the sales person who explained me that amount will be charge if vehicle shows excessive wear and tear. He explained me that they will have to reconditioned the car in order to sale the vehicle. I believe him and decided to sign the lease. Of course, I also checked online what the term Disposition fee  means. 

After I received the bill for {$380.00} I spoke with somebody at Toyota and they suggested me to write a letter to Toyota Financial which I did and sent out on XX/XX/XXXX. Today I have been contacted by them saying I have to pay that amount because that amount is a fee that they pay to transfer title to an auction? I do not know why I have to pay a fee to transfer the car to an auction dealer. 

My lease ended on XX/XX/XXXX same day I gave back the car and make sure car was completely clean, polish like they supposed to receive it in order to dont get charge that amount. My mileage was law and car was in excellent condition. I am attaching pictures and documents together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a delinquent account reported on my credit from USAA for approximately XXXX. I was never made aware there was a bill that needed to be paid until I pulled my credit report. I never received any notice by mail, email or phone. When I tried to call to get this rectified I was told they cant do it and to go back to the credit reporting company. 

I have never had a delinquent account with them and again never received notice of an amount or balance on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We filed for Chapter XXXX bankruptcy in XXXX and it was granted. We did not include our home but did not fill out the proper forms ( we did not use an attorney ) to say we would pay the mortgage. 

XXXX we applied for a home equity loan and were told we have two liens on our title. We should not, I am trying to find the bank below to get a pay off letter from them to take it off our title. 

FIRST LIEN : First Franklin Financial Corp - I sent a certified letter to them requesting this and it was " return to sender Not deliverable as addressed Unable to forward '' I've called/researched but am not able to locate a phone number/address. 
I also found out First Franklin is a subsidiary of XXXX XXXX XXXX   of Indiana that closed in XXXX. How do I find current contact information for this bank? 

SECOND LIEN : XXXX XXXX this is who we pay our mortgage to. I sent XXXX XXXX a certified letter ( XX/XX/XXXX ) requesting debt verification for the mortgage. I got a letter from them ( XX/XX/XXXX ) saying we would hear back in writing in response to this request in 30 days. The letter also said the note holder of the mortgage is : XXXX XXXX XXXX XXXX with an address, I sent them the same debt verification certified request letter. I got their card back that they received the letter but I have not heard from them. It's been over 30 days - what recourse do I have, if I don't have proof of the debt?

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 2018-02-19
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have multiple XXXX unauthorized charges on my Citibank Debit card. I calle dand opened the dispute and received affidavits to fill out. I filled them out and then started getting additional letters stating they did not receive the information requested, when in fact I did send everything back. I called two times and spoke with Supervisors stating they would take care of the miscommunication. I explained I don't have any additional information to provide. You can only dispute a charge with XXXX through online forms that require trip details plus my debit information including expiration date. I don't have detail to provide because I didn't take the trips, which is where my dilemma. Citibank keeps closing my dispute and sending me the same letters I've called in about and spoken wit Supervisors about stating I didn't provide info. I'm in an endless loop of letters. I want Citibank to investigate the disputes. The info I've provided is all I have. I have nothing else to provide. Can someone truly investigate these charges fully. I did not take these trips and don't want to be penalized for XXXX sharing my debit card info.

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 2018-07-05
Company: Meridian ARG Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This afternoon, I received a phone call from XXXX. They left the following message : " This is XXXX XXXX [ possibly XXXX  or XXXX ] calling from the XXXX XXXX. I need to verify a current address as well as a place of business address to proceed against you. At this time, you are forfeiting your right to take care of this matter outside of court. We will contact your Human Resources Department to follow proper protocol and procedure to serve you on the property. Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX and reference your case number. This is my final attempt. You've been officially notified. '' When I returned the call and asked for the name of their business, I was told it was " XXXX XXXX XXXX ''. The woman I spoke with told me her name was " XXXX '' but refused to give me her last name. She also initially refused to give me information unless I verified my Social Security number. I declined. Then she told me they were attempting to collect a debt on behalf of XXXX XXXX. When I told her that debt was paid successfully years ago, she grew irate and began pushing me to tell her how much I paid, and that I hadn't " paid in full '' according to her records.

While on the phone, I pulled up my credit report and told her I had XXXX   delinquent accounts, and the XXXX XXXX  account currently showed " Paid Successfully '', she accused me of being " one of those professional debtor XXXX   '' and hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-19
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was part of covered medical expense. I was not aware any balance was due, nor was able to confirm the amount shown in collections is even valid. I was informed by XXXX XXXX the balance was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In their latest response, Experian continued to refer to the report in question as my " Experian Credit Report '' ( which it is not, rather it is their Experian Healthcare Report '' as provided to XXXX XXXX ). They also continue mailing the Experian Credit report ( about six or seven times now ), despite it not being challenged. One would think that, especially after two years and multiple complaints, they would break from this language. 

Further, after referring to my copy of their Healthcare Report ( attached, as provided to XXXX XXXX ) Experian, in their latest response writes : " In your complaint, you state that there are two data points in error on the report : estimated household size, estimated income. You are requesting that Experian address the data points in error. According to our records, the personal information you mention is not on your current Experian consumer credit report. We will be mailing a full report to you for review and confirmation. Please note that mailed correspondence may take up to 10 days for delivery through the US Postal Service. 

************Upon further research with our Experian Health division, we have been advised that the data points are already in progress to be updated. It is important to understand that it is impossible for any data provider, including Experian, to be 100 % correct, 100 % of the time and discrepancies or inaccuracies can occur from time to time. It is also important to understand that Experian Health employees do not possess the access or rights to change the data. '' After two years, they now understand which report of theirs we have been referring to and we applaud that. 

Now that they have addressed the erroneous data, presumably with its provider, and claimed to have updated it ( by now ), a new copy of that EXPERIAN HEALTHCARE REPORT- with the corrections they cite performing above - should be provided to me 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 2018-02-19
Company: Experian Information Solutions Inc.
State: FL
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:
greetings, I have been trying for the past year to get these credit reporting companies to remove inquiries that are being reported on my credit file due to fraud and they still have not done anything about it at all. I am a XXXX percent XXXX veteran that was living out of the country and yet they was items reporting on my credit profile. I don't need a car and yet they are tons of inquiries about vehicle purchases, loans etc. I don't have the luxury like others to pay a repair company to fix my credit especially when it is not my fault. 
I know that they are doing a business and that they are hurting individuals badly, with that being said my credit score has suffered drastically because of the wrong report on my profile and now I can not even get a VA loan to help my family and put a roof over their head. 
They are still reporting accounts that have been closed and that was fraudulent for years, i need help on suiing them because that is the only way they will listen and do their job nd remove these items from my credit profile asap.

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 2020-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account : XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Portfolio Recovery Associates have failed to provide requested validation. 
The amount of debt claimed is {$620.00} for a factoring company according to their credit bureau information. 

This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isn't that what the law states so I don't understand what's going on please help me understand these companies are not being help to comply and I don't need the credit bureaus to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity The accounts that are being disputed are XXXXXXXX XXXX, Late Payment from XX/XX/XXXX XXXX, Late Payment from XX/XX/XXXX XXXX XXXX XXXX  needs to be deleted from the profiles, account has been paid XXXX XXXX XXXX, Company has been sued for predatory lending. Remove account from profile XXXX XXXXXXXX XXXX SS Late Payment from XX/XX/XXXX XXXX, Late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: WELLS FARGO & COMPANY
State: AZ
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:
Have XXXX years of perfect credit. Never late on ANY bill, payment, mortgage. I have 5 homes that I rent out and never one late payment ever. Went to refi my primary residence and they pulled all 3 credit reports and 2 were fine but XXXX  reported that ASC ( Now Wells Fargo ) have a 30+ day late payment from XXXX. Simply didn't happen or if it did by some strange reason, it was quickly corrected. I vaguely remember they had an issue sending out invoices during that time and they BLAME me for not making a payment. Simply not true but none-the-less, got transferred from person to person trying to resolve. Again, 6 years ago this happened not recently yet they recently reported it as recent as last year. Obviously I am disputing this but 2 different loans with them dating back to XXXX and never 1 late payment Maybe think outside the box and see the history and maybe believe me???? I mean really people.

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 2017-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
An account that was deleted off my transunion and XXXX credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. Transunion has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). XXXX has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.

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 2018-07-13
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: Old information reappears or never goes away

Complaint:
Equifax is listing an outdated credit inquiry on my credit report from XXXX XXXX.

The date of the inquiry is XX/XX/2016. 

It is over 2 years old. 

I have notified Equifax to remove it, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a signed legal deferment document from XXXX  for my XXXX and XX/XX/2020 payment. XXXX reported to all three credit companies that I was late for XXXX. 
I contacted the lender directly expecting to resolve this issue. After several attempts that resulted in no answers, ignored phone calls, and a lack of professionalism ; I was told by a representative that while under their system I was " current '' XXXX  would not change the " late payment '' report from my credit. 
I proceeded to start a dispute with all three credit companies. I mailed the deferment document to each, along with my request. 
XXXX XXXX  results corrected the XXXX payment and updated it to " paid-on-time. '' Experian 's results denied my request and the XXXX payment stayed as " 30-days-past-due. '' XXXX  results not only denied my request but it now also shows XXXX AND XXXX as " 30-days-past-due. '' I have spent hours collectively speaking with both the lender and the credit companies ( Experian, XXXX ). I have a hard time believing that a legal deferment document has not been honored by these entities. The two credit bureaus told me all they could do is take the information provided by the lender as facts. 
XXXX  needs to be held accountable for not only providing different information to each credit bureau but also for not honoring a signed legal document. 
When this company belonged to XXXX I never had an issue. The newly called " XXXX  '' lender does not care that it services military members and is quick to take our hard-earned-money, yet, it will not uphold its standards to the law. 
This is the first time that I asked this company for a deferment as COVID-19 has left a great financial impact on my family. 
This lender evidently does not care about my financial wellbeing whatsoever. 
My next step is to take legal action against this company if this matter is not resolved.

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