BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX case which is stated to be closed. However, I have not had any resolution with Lexis nexis. I have requested Lexis Nexis to correct my report. Currently my data is combined with another individual. I am XXXX XXXX XXXX from XXXX Ohio, XXXX XX/XX/XXXX SS ending XXXX. My report is combined with XXXX XXXX XXXX of Oklahoma. completely separate SS #. This is the third request. I do not feel that it is that difficult to have this corrected. Lexis nexis sent a letter XX/XX/XXXX stating could take up to 60 days and it is now past that period. This matter is NOT CLOSED and NOT COMPLETED to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Credit Adjustments Inc
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After I graduated from university, my job as a XXXX XXXX XXXX did not pay as much as the school promised. I struggled to pay for rent, car payments, insurance and necessities. With my parents help however I started slowly repaying loans, first those with high interest rates. There was one instance where XXXX processed the payments but did not credit my account. This was my first problem with this private for profit collection agency. After my complaints XXXX issued an apology and recorded my payments. 
In 2017 still experiencing financial hardship I fell behind in loan payments and XXXX overreacted by placing my loans in default. The U.S. Department of Education demanded that the entire outstanding loans be paid immediately or threaten to refer my debt to a collection agency. So my mother took a XXXX XXXX dollars loan from her employer to help me. 
On XX/XX/XXXX I called the Department of Education customer service center to make sure that the payoff amount was accurate. ( XXXX phone log is available upon request ). The customer service representative adjusted the total payoff amount to {$19000.00} My parents transferred the money to the D.E. account on the same day. 
Three weeks later on XX/XX/XXXX, I logged on to XXXX account to make sure that my payment was recorded correctly and that there wasnt any other outstanding charges, the account showed a balance of {$0.00} I truly believed that I was done with loans, but then a letter arrived on XX/XX/XXXX stating I owned more money. How could that be? Now Credit Adjustments Inc. of New Hampshire wants to extort more money {$880.00} for their role in collection process. I am not at fault here. It was the Department of Education or XXXX who failed to maintain procedures to ensure accuracy of loans. Also they provided inaccurate loan payoff information which created false belief regarding my loan. For those reasons I shouldnt be responsible for paying extra interest or collection fees.

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 2020-05-06
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:
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. COLLECTIONS XXXX {$300.00} COLLECTIONS XXXX {$290.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$88.00} COLLECTIONS XXXX {$76.00} XXXX XXXX {$570.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$420.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$12.00} XXXX XXXX XXXX {$2000.00}

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 2019-02-15
Company: EQUIFAX, INC.
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent the attached information to all three credit bureaus and nothing has changed. 

The report states the original charge off was {$5000.00} and High Balance {$1000.00}. 
When actually it was {$10000.00} initial loan.The credit report further shows that no payment was received after XX/XX/XXXX, my attachments clearly disprove that. 

I took out a loan with XXXX XXXX for {$10000.00} on XX/XX/XXXX. I paid it every month at the bank until I went into the bank XX/XX/XXXX and was informed that I didn't have a loan. The teller said it was not in her system, I called Mississippi to the corporate office as I was told. Finally, I was called back and told don't worry about it we will just take your collateral ; I explained I didn't put up any collateral I had good credit. I was referred to XXXX XXXX in Louisiana and he set up a payment plan of {$300.00} a month XX/XX/XXXX which was paid through XX/XX/XXXX until I received a XXXX Cancellation of Debt. The credit reports. reflects no payment was made after XX/XX/XXXX. On XX/XX/XXXX a process server put a citation of service in my Mothers door. XXXX XXXX was suing me for {$3500.00}, I hired an attorney XXXX XXXX, the claim was settled for {$3000.00} ( check copy attached ) Section 2 of settlement documents states it was paid in full. On the credit reports it still reflects incorrect information. I have disputed multiple times and sent copies of my documentation. It is still reflected as an adverse account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: AMERICAN EXPRESS COMPANY
State: CA
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 rewards from credit card

Complaint:
On XX/XX/2019, I tried to transfer my reward point from American Express member reward to XXXX airline and the action was declined by american express. They frozen my total XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This could easily become a class action suit. This company continues to pray on unsuspecting clients.. their name tells it all. Whether they gain your approval or not, once they gather your information, they may be capable of saying that a deposit has been deposited into your account ( open or closed ) as long as is a present or previous account with your idenfication associated with this account default proceedings may be filed. 10 times out of 10 times the defendant is NOT a resident of XXXX let alt Idaho. Once an individual has been served or not been served, they are issued a supena to appear in court 1000+/- miles away, having full be knowledge that the accused could not possibly appear end up gaining a default judgment. People requesting these type of loans are not only trusting someone to help them, but they would make every reasonable effort to make the loan right. Without conscience of consideration of others, they'd sue their own grandmother. Something needs to be done quickly and expeddiously! It's a very great amount of money that people are honestly needing and sincerely will make every effort to pay it back. In the meantime, some people are getting the money and some are not but everyone is being sued. Look into it. Red flags should be flying high,! XXXX County, Idaho, the city/county clerk, district attorney, mayor, city should be informed of the corruption and malfeasance that is taking place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America excessive charges for consumer accounts During XX/XX/XXXX BOA charged my account for about {$560.00}, and while writing this complaint I have been charged in XX/XX/XXXX till now for {$310.00} I called the bank inquiring about those charges, having in mind that I'm a customer since XX/XX/XXXX, and I have not seen this hike in fees before. I explained to the people on the call that during the early days, I can see that my account going under XXXX, and I have the option to put money in the account to cover it before the end of the day. Recently, I have seen a change in behavior, on which I check my account in the evening, and in the morning, they already overdrafted it with charges. 

I expressed to the bank that : 1. I'm not an accountant and they treat my account like I should be having books created for it. 
2. This is a new change that I'm seeing recently, and it has not been this way before. 
3. I have a feeling that the bank changed/updated its system to narrow the window that we as a consumer have to correct mistakes. 
4. The existing alert systems that the bank provide is useless as I'm receiving the alert AFTER the bank charged my account with fees.

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: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi has refused to remove a 'credit watch ' from my credit reports, refuses to close my account, and refuses to resolve issues with declined charges.

I have contacted Citi by phone, email, and chat dozens of times since XX/XX/2020 when they cancelled my card and re-issued a new one. Since then they have routinely declined random charges, claimed that there were mysterious overseas charges that never showed up on my statement, and cancelled and re-issued my card two more times. 

Citi reported my account as 'questionable ' to XXXX and others, causing my credit rating to dip 10 points. I don't even carry a balance on my card. 

I have spoken at length with both Citi and Costco ( card sponsor ) with no results. The Citi executive response team has no authority over their fraud department. The Fraud department routinely fabricates information on calls ( fake case # 's, operator # 's, etc. ) and either reports false or incomplete case information for why the card is disabled or frozen. 

This has resulted in declined charges for family events, gifts, meals, and routine groceries. There is no pattern or reason for the declines, and no explanations from Citi or Costco.

I have requested that the card be cancelled 8 times and Citi has refused, saying that I have to call them and provide a 'good reason ' before they will close 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 non-monetary relief
Consumer complaint received 2020-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX I reported the capital one bank and criminal law enforcement officers stalking me and defrauding my bank account. They closed my debit card against my will and the XXXX  police officer was on the phone with them trying to excuse crimes on " job '' procedure. No such procedure exists. This police officer is trying to steal money again and frustrate me. Stereotypical law enforcement officers are to XXXX  XXXX  to be trusted. 

I tried to dispute two XXXX transactions that XXXX doesn't have on record but the bank stole the money and threatened to shut off my debit card again to assist the police officers XXXX  XXXX psychological tactics. To repeatedly XXXX the victim and call them crazy for telling the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian refuses to delete fraudulent activity on my credit report. I have reported to Experian 3 times, by telephone, regarding me being a victim of fraud and that the information on my credit report regarding XXXX XXXX XXXX is fraudulent. Experian also has XXXX XXXX XXXX listed twice on my credit report for the same account and amount, which is also incorrect and making the amount owed showing double the incorrect amount. I have explained to Experian 3 times that this account does not belong to me and that I have no knowledge of this account, that I have never had any dealings with this creditor, and that it is fraudulent. I have also requested to speak to an Experian supervisor on 2 different occasions, on XX/XX/XXXX and XX/XX/XXXX and was told both times that the supervisor was busy and that they would call me back. I still have not received a telephone call back. 
On XX/XX/XXXX, I spoke to a representative named XXXX and she stated that a supervisor would call me back and when I explained to her that this is my 2nd time calling and no supervisor attempted to call me back the first time I called. I also explained to XXXX, the representative at Experian, that I have an Identity Theft Report on file with the CFPB and she stated that I do not have an identity theft record on file with the CFPB ( I have attached my proof of identity theft report ). She also stated that Experian does not remove anything from credit reports without the creditor 's permission, and that there is nothing they can do. I explained to her that that's an unfair statement being that I have never had any activity relations with the creditor and that I do not know of the creditor, and that the account does not belong to me ; and that she was incorrect about me having an identity theft report with the CFPB. I explained to the representative at Experian that they did not provide me a fair investigation into my dispute and she stated that Experian does not investigate and that they only go by what the creditor tells them. Therefore, Experian has lied about their investigation into my previous disputes, as the representative stated that they do not investigate the disputes. Therefore, they have not thoroughly verified the information on my credit report, as they stated that they did. Also, this is the 2nd time that Experian has allowed this creditor, XXXX XXXX XXXX, to be placed on my credit report after proving to them that my identity was stolen. Experian did not do a proper investigation into my dispute and they have also admitted that. I would like for XXXX XXXX XXXX to be removed 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 non-monetary relief
Consumer complaint received 2021-03-29
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was taken out for XXXX that was closed out in 2019 with a balance of XXXX dollars. This is in collections with LVNV funding LLC. I have spoke with them on the phone and informed them that I wanted to report fraud and get this matter resolved so to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Ameritech Financial
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated all of my student loans and THOUGHT I had started the student loan repayment program. I used Ameritech. After 13 months of paying them over {$200.00} per month, I noticed that no money was going towards my student loan. Ameritech had changed my pin number and was getting all of my informtion. They also altered documents about the number of dependents I had to get a XXXX payment for my student loans, yet they were collecting what I thought was going towards it. A company that helps XXXX  came into our XXXX  and I asked them to look my loan over and they knew right away something was wrong. I called student loan and they helped me get all the paperwork together to do the papers on my own without paying a company. When I called to cancel Ameritech they kept threatening that my payments would now be {$1000.00} per month and I would be better off paying them the {$200.00} instead. I did cancel them. I did start my student loan repayment, but the money I paid for the first 13 months doesn't count towards the 10 year repayment. I am XXXX years old and will be paying these loans until I am XXXX! They also charged fees for the paperwork. It seems like what they are doing should be illegal.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-26
Company: EQUIFAX, INC.
State: HI
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 am writing to file a formal complaint against Equifax, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Equifax has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Equifax, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam, Common Wealth Financial Systems CFS has attempted to collect a false debt of {$1400.00} from XX/XX/2013, with no verification, and no proof or legal claim, or valid right to collect monies. It is my understanding that they falsify claims and prey upon elderly, ill and XXXX who have received services from medical institutions that have transitioned to new administrations. I would like to join in the class action lawsuit that is currently being filed against this fraudulent debt collection agency. The name/number I was given to contact is XXXX XXXX at XXXX XXXX XXXX ext. XXXX. 

Their listed information shows : CFSI Account # is XXXX, current creditor XXXX XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX, Original Account XXXX. 

I have contacted the company with no response from them yet. 

Please Advise, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I have filed complaints about my credit score going down from XXXX to XXXX for no good reason. I just noticed they have the wrong address on my transunion report. It erroneously lists XXXX XXXX XXXX, XXXX XXXX, ny XXXX as the address. 
My address where I own a home is XXXX XXXX XXXX XXXX XXXX, ny XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.

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 2018-03-26
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have mailed 4 certified letters over the past two years in regards to this matter. The most recent letter was mailed XX/XX/XXXX ; US bank has yet to respond nor fix the problem. I have been a model customer aside of my one mishap in XXXX. Since then I have paid every bill on time!

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