BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: LEXISNEXIS
State: NJ
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:
In the month of XX/XX/XXXX, I placed a freeze of information on my reports with LexisNexis, the freeze was granted and took place on the XX/XX/XXXX. On XX/XX/XXXX, LexisNexis released my information to XXXX Credit Bureau, without consent and unlawfully disregarded my Freeze of information. I respectfully request from CFPB to have LexisNexis delete the information of the chapter XXXX bankruptcy that was released from my report immediately with confirmation. Documents are being sent and underway to CFPB by USPS Mail to show the proof of LexisNexis Violation of releasing personal and public information to outside sources violating the FCRA and the Federal Law. 
On XX/XX/XXXX, I have sent a dispute to LexisNexis concerning the bankruptcy chapter XXXX reported on my file, a formal respond was suppose to have taken place from LexisNexis within 15 days, 40 days has gone by and I haven't heard any reply or any response from LexisNexis, which also puts LexisNexis in violation of the FCRA and should demand it to Delete the chapter XXXX bankruptcy off my report. Documents of proof are under way to CFPB. I request from CFPB to use it's proper laws and inspections over this matter and have Lexis Nexis Delete this public record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 tried to submit numerous disputes with XXXXXX/XX/XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE 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 2019-05-31
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I contacted Macys debt collection held by Citi Bank. A payment was issued through my online bank the same day to pay the account in full. XX/XX/XXXX Citi Bank stamped the check and deposited the payment into their account. Payment was not applied to my account. 


Since, I have contacted the company 5 times. Each occasion the company has refused to give me the account number, as well as not permit me to speak to a supervisor. 

On XX/XX/XXXX, I was told to fax the proof of payment to Macy 's payment investigation. The representative XXXX told me to call back in 48 hours to discuss the proof of payment and the investigation. This morning I called ( XX/XX/XXXX ) and was told it can take up to 45 days for them to review and investigate the payment. I again was told a supervisor was not available and to call back. 

It is odd to me that a company would deposit any funds received without applying to an 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 monetary relief
Consumer complaint received 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX XXXXXXXX XXXX  citizen who is in danger of being foreclosed upon by TD Bank through an illegal high-cost second mortgage which contains an 18 % interest rate provision. I need immediate help to save my home. On XX/XX/XXXX, TD Bank gave me a second mortgage ( HELOC ) which contained a ceiling rate of 18 %. The rate I was given was an introductory rate of 3.25 %. It was not explained to me that my interest rate could rise to 18 % and promissory note did not state the date upon which it would reach 18 %. At the time that I signed it I was under the duress of a family emergency at the time that I signed the papers. On XX/XX/XXXX, I discovered that my payment had more than doubled in size from {$520.00} to {$1200.00} with the interest rate going from 3.25 % to 7.5 %. TD Bank informed me that my payment would be tripling in the months to come. I am a XXXXXXXX XXXX living on a fixed income! My budget can not withstand these illegal increases to 18 %. I need TD Bank to bring my loan back down to 3.25 % in a fixed rate loan. If I lose my house I will become homeless. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'M HAVING A HARD TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I called Bank Of America Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my XXXX credit file on XX/XX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.

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 2023-07-24
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry Portfolio service had put a debt collection on my credit not once but two time for two different amount for XXXX. Now I only had one account with XXXX years ago, which has be written off and has been removed from my credit report by XXXX!! I think it was 2 years ago. Cavalry portfolio service has put on my credit 2 times a debt from XXXX for 2 different amount!! One for {$2100.00} and one for {$1200.00}. I only had one account with XXXX!!! Years ago and again XXXX has removed everything about them from my credit years ago. Thank you for any help to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper will not remove the PMI from the account even though it expired XX/XX/XXXX. They keep changing the date saying payments were missed, but that is incorrect. 

All payments have been received, but no from the Service Agent up to the Supervisor XXXX XXXX are willing to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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: Problem with personal statement of dispute

Complaint:
Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 16 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit letter.

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 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
XXXX XXXX XXXX XXXX Bank of American accounts totaling over {$30000.00} have been opened in my name. Bank of America keeps checking my credit account with the three major credit agencies, resulting in a decrease in my credit score from XXXX just a few months ago to XXXX points currently. I have tried to correct this with Bank of America but to no avail. My address is and has been for the past XXXX years been in XXXX. Whoever has opened this accounts in my name lives in XXXXXXXX XXXX. a place I have never been.

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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 disputed 30 days late report from XXXX XXXX financial department to all my credit bureaus, tis report came in 50 days ago, since then i have received letter from the creditor that i have provide it to all the bureaus, the letter is stating that was no 30 days late on my XXXX   lease. 
XXXX XXXX finances provided information to all the credit bureaus notifying them of the error, and yet my credit report was never updated in all of the bureaus. 
Please help me, thank you, 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 2021-05-04
Company: SLM CORPORATION
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: Account status incorrect

Complaint:
XXXX student loans reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to XXXX and the Credit Agency showing that i wa in a forbearance with my student loans. I contacted XXXX with copies of my application for the forbearance and the credit report. XXXX also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
You are known by the company you keep, and Citi is keeping company and is complicit with some very bad actors. I was billed {$310.00} by Citi for items from " XXXX XXXX '' and " XXXX '' that I did not order and did not receive. Citi sent me a form which I signed stating that I did not order the items and did not receive any benefit. Citi initially credited the billing but subsequently re-biled me. I called Citi and asked them what they had that was more credible than the forms I had signed stating that I did not order the items and did not receive any benefit. After three separate requests sent over a couple of months, I finally received a set of documents that Citi said they received from the two companies involved. It appears that this all started when I ordered a product sample from a company by the name of XXXX. I went through the documents and was unable to find any documentation that I ordered the items I was billed for, nor any proof that anything had been sent to me. I have called Citi several times and asked that they point out where in the documents it shows my placing the orders, and where in the documents it shows anything shipped to me. The Citi employees I talked to agree they are unable to provide me with proof of my ordering or receiving anything of benefit. Two of the Citi employees were forthright in admitting that this is a scam, that they get an enormous number of calls on it, and while it is a scam, unfortunately it is not fraud. In order to protect my credit rating I have paid the amounts Citi billed, however, Citi should be ashamed of their complicity in such a deceitful business practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
since XXXX of the last year I got a credit line with Acima Credit which obligatiob number is XXXX, the payments i made are the followed, first payment XXXX XXXX, second payment XXXX XXXX, third payment XXXX XXXX, fourth payment XXXX XXXX, fifth payment XXXX XXXX, sixth payment XXXX XXXX, seventh payment XXXX XXXX and last payment to pay off the entire debt XXXX USD, everything was registered in their system. 
now on XX/XX/2020 they started to charge on my checking account amounts again for the debt that I consider was payed off since XXXX.I got the bank statement that shows the payments and they have the voice calls that I did with them showing my intentions to pay off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan was TRANSFERRED BEFORE LOAN MODIFICATION BALANCE REDUCTION was DONE WITH XXXX XXXX XXXX! Have to honor per your letter value is {$470000.00} you keep saying was done wasnt WAS TRANSFERRED WHILE IN PROCESS THEN TRANSFERRED! READ!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX {$2800.00} DEPT OF EDUCATIONXXXX XXXXXXXX XXXX  : {$4800.00} DEPT OF EDUCATION/XXXX XXXXXXXXXXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: NJ
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 called the company and they said that on their end they do not have my payments late. But for the past 5months experience is saying that I have been making late payments which is not true because it come out of my checking account each month on the same day. Please fix this problem. It needs to be removed.

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 2020-12-01
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I returned this vehicle back to them voluntary and they abandoned it because they said they wouldn't get any money from it. The Attorney General was involved in this issue and the circumstances involving this situation. They gave the vehicle to where it was located at and that was a garage. They know what they did. I don't owe them nothing. They are also are pertoary lenders and still under investigation of their practices.

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 2017-12-18
Company: STERLING JEWELERS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a XXXX XXXX  Account. It shows on my credit report that the account is closed. My credit score dropped from around 680 to 630. It also does n't have the correct amount of money I owe from XXXX XXXX. I tried going through XXXX XXXX  but nothing came of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am having my paycheck garnished for a 10yr old {$9300.00} old debt that wasn't able to be settled between my self & the original bank. This debt is now owned by a new collector ( Cavalry SPV ) for a few hundred dollars, who is shaking me down/extorting me for {$9300.00}. Unable to pay rent & children school fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened up a JcPenny ( jpmcb  ) Credit Card prior to 2015. I was making my payments on time. In XX/XX/2015 I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, it still shows up as an inquiry/derogatory on my credit report. 

I hired a 3rd party company to try and dispute this. They reached out to JcPennyBank but all JcPenny did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.

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 2020-07-10
Company: Experian Information Solutions Inc.
State: NJ
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:
This account belong to my ex i didnt knew she didnt pay it off and when i went to see my credit the account was charged off im trying to take it out and they dont want to i made a payment arrangement but they still dont want to remove i didnt know that account was negative

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