BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
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 status incorrect

Complaint:
Experian has several accounts misreported on my file. When I initially asked to investigate they did sobut improperly. They have contined to keep false and inaccurate information on my file. This has cost me greatly negatively. I requested yet again they invetigate. I was told no because they already did so. There are addresses that are not mine and never should have been indicative as such. They have incorrect spellings of my name on file as alias. This is gravely inaccuarate. Most recently my credit file reports no freeze or hold. They a have denied once again. Yet, wqs just advised by a mortgage company they couldn't pull my file due to an Experian freeze. The backlash of the false data and misrepresentation never ends!

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 2020-01-27
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a certified the below attached letter to LexisNexis Risk Solution. I asked LexisNexis to explain to me how they could release any information regarding credit files they hold on me to anyone when my credit information is frozen. Furthermore, Lexis Nexis is reporting that I have a Bankruptcy. I asked LexisNexis to Verify and Validate the information. I was asking for a letter from the US Bankruptcy court identifying the name and title of the clerk that VALIDATED said information. As of Today XX/XX/XXXX LexisNexis, has failed to comply with my request and the law. 
Depending on the outcome from CFPB, I will be seeking damages for Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against LexisNexis and XXXX XXXX, CEO I would be seeking a minimum of {$1000.00} and up to {$5000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: LEXISNEXIS
State: NC
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:
XXXX  credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR XXXX XXXX ( LEXIS NEXIS ) XXXX XXXX has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX  XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Seterus, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am two payments behind on a mortgage on a 3 family house, but have otherwise been paying.

Seterus ' representative was taking pictures of my house and actively engaged my tenants in conversation. They willfully lied to my tenants telling them they should get out immediately because the house was being foreclosed upon ( not true ).

Seterus is NOT helping mortgage customers, but actively CAUSING financial hardship and foreclosure by encouraging my paying tenants to leave - by LYING to them!

Loan sharks have more subtle methods.

Their tactics are totally ILLEGAL. 

They need to be fined. 

Insane!

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: STATE FARM BANK, FSB
State: NC
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:
XXXX  credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR STATE FARM ( XXXX XXXX ) STATE FARM has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom It May Concern, On XXXX I discussed payment options with XXXX @ XXXX XXXX, XXXX XXXX and XXXX XXXX Collections. @ XXXX XXXX I discovered that there were no options to have a lower rate on my private ( signature ) loans. I had been laid off since for about two months and had Fed loans in IDR for one set and the other in {$0.00} payment for one year. 

The amount that I owed was {$190.00}. 

I called back on XX/XX/XXXX @ XXXX XXXX XXXX {$190.00} was paid. confirmation # XXXX. 

I received a call from XXXX XXXX XXXX from 30 day collections department who advised that XXXX applied my payment to a fed loan by mistake. 
XXXX @ XXXX XXXX I then spoke with XXXX XXXX from the servicing department who advised she would Reapply the XXXX to the private loans. She advised the correctio will finish XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/XXXX I sent a certified letter reference # XXXX to TransUnion at XXXX. XXXX XXXX XXXX, PA XXXX and on XX/XX/XXXX I sent another certified letter reference # XXXX asking for information and validation of three bankruptcies that they have continued to wrongfully report on my credit report. In the letter 1st letter dated XX/XX/XXXX I requested the TransUnion provide me with the name of the courthouse, the name of the clerk who verified the bankruptcies, address, telephone number, documents used to verify the information being reported, name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to. 
I contacted the courts on XX/XX/XXXX to request information. Please the attached letters and repsonses. 
I then initiated an online dispute dated XX/XX/XXXX after contacting the courts regarding these reported bankruptcies An auto generated email response was sent on XX/XX/XXXX from TransUnion acknowledgement of the dispute and in addition a link for use to track any updates for the dispute was emailed to me. To this day TransUnion has not provided any online correction or feedback only a generic letter mailed to my home address stating all items had been verified as accurate. 


TransUnion is illegally reporting information that has not been verified with the original furnisher as well as reporting false and inaccurate information. Under the Fair Credit Reporting Act 's to all the above requested and if not provided all disputed information must be deleted. 

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 2020-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Someone opened a XXXX account in my name I never opened up a XXXX account because I have a family plan with a next company, and have no idea where this account came from

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Evergreen Financial Services Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In XX/XX/XXXX, Evergreen Financial went to XXXX XXXX and collection bills combined for my then husband and myself. He got the paperwork and I did not see it. 
We divorced in XX/XX/XXXX. Evergreen Financial was specifically listed for approximately $ XXXX in his list of creditors. In XX/XX/XXXX, after not hearing from them in several months, I sent them the attached letter, certified. I gave them XXXX 's address. I did get a copy of debts, and paid one of mine off. 
I have discovered that an original {$100.00} debt is now {$500.00}. I was told by the man I spoke too in XX/XX/XXXX that it was my " fault and maybe if I had paid my bills we would not be here ''. At the time I did not have the funds to pay the bill as I was bringing home {$700.00} a month after XXXX had a XXXX XXXX and lost his job.. 
I have attempted to settle the {$100.00} debt, and they refuse. They continue to ask me to make payments that are more than I can afford. In XX/XX/XXXX They got nasty with me demanding to know who my second job was with. They stated that any money I sent would be applied to the debt, but not considered a payment. 
I was also told they will not pursue XXXX, even though they have his information. I have been told to pursue him myself However, he is a threat to me. I have had a restraining order against him in the past. I was told so what. They have been rude to me, told me that if I was a responsible adult, I would not have the debt, and that refuse to make a payment arrangement for the full amount of debt, unless it is what they want. 
I can not afford it and pay my basic living expenses and other debt. Again I was told too bad. 
I have been told by 3 employees they will not pursue XXXX because he did not have income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Delmarva Collections, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX a collection account from Delmarva Collections showed up on my XXXX  credit report, this account is for a school fee for XXXX XXXX XXXX XXXX XXXX I previously Disputed this account with another collection agency XXXX XXXX XXXX they were unable to provide proof of this debt they were originally charging me for {$4800.00} XX/XX/XXXX which was inaccurate and they closed the account due to my dispute. Now another agency is trying to collect on this account for {$630.00} more than the last agency {$5500.00} now, I do not believe I owe this amount and never gave any permission or signed anything stating they can tack on multiple hundreds of dollars of fees and charges. This debt they are referring to was covered by a pell grant and federal loans which I am still paying back. This is illegal and Id like this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XX/XX/2020, I received a U.S. Bank Reliacard for unemployment. I am retired, not unemployed, and did not request this card. I have tried calling U.S. Bank at several different phone numbers to report this but each number requires me to give information over the phone that concerns me. I do not wish to activate this card. I want to report it as fraud and possible identity theft.

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 2020-12-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit card debt was caused by Scammers and identity theft.

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 2018-06-13
Company: Checkr, Inc
State: KY
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: Public record information inaccurate

Complaint:
Roughly a couple of weeks ago XXXX ran a background check on me!

A man in Florida with the same name and birth day an month an year keeps turning up!

XXXX, FL. XX/XX/XXXX Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a savings account to Goldman Sachs on XX/XX/2020. I made a deposit to their bank and ever since I've had issues logging in and accessing my funds. I tried calling and follow their directions in what to do and yet I'm still locked out. I deposited XXXX dollars and to my dismay they make it hard to access that money. Its not about the amount but the principality of allowing costumers their entitled money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously sent two requests for validation of the debt. Never got an answer from Phoenix Financial. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. The date of my accident was in early XX/XX/XXXX ... they are trying to show a date opened of XX/XX/XXXX when they apparently bought this debt from some other collection collection. I believe that Statute of Limitations for this matter has already expired and the entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: MO
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 is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I previously attempted to contact Navient the servicer of my student loans in reference to a tax return that was taken to offset the balance owed on the loan accounts ( 3 total loans ) when attempting to obtain information the company refuses to communicate with me via electronic mail indicating that I must call them, however I do not have access to phone service to do so. Navient has taken funds from my tax return in the amount of roughly {$1300.00} at the time when the amount due on the three accounts was roughly {$700.00}. I have not received any dispersement of funds from my tax return and furthermore, Navient has not posted this payment to my accounts. The letter recieved from the IRS clearly indicates that this is a payment and an over payment of debt was not authorized. Navient refuses to communicate any account information to me, will not refurnish statements for correct reporting and has been previously notified of a billing error two weeks ago. Per federal guidelines, validation and verification debt including the correct amount owed must be validated within 30 days of the original notification of an error. In addition failure to do so is a violation of my consumer rights under the FAir Credit Reporting Act and is a direct violation of the lender under the Truth in Lending Act. I have since without any assistance from the lender was forced and coerced into deferment status on my loans without any assistance or explanation because I could not clearly understand my options for resolution and the representative assisting via email would not discuss my options only over phone even after telling them I did not have access to a phone. I feel additionally discriminated against because I no longer have a phone service and do not have access to one. Additionally my loan agreement does not require a phone contact nor does federal regulations and law require that a lender only do business via telephone. As required by law, Navient must also be able to furnish the same account information and assistance via mail through the postal service or similar mail carrier. I have since updated my contact information to reflect the correct address, despite being contacted via mail previously to the correct address prior to this incident, so that Navient can respond via mail a hand written response answering all of the concerns listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have some issues of delinquencies on my credit report that I would like to have verified in writing from CHASE. 

CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX The following dates of delinquency were reported : XX/XX/XXXX : 30 days XX/XX/XXXX : 60 days XX/XX/XXXX : 90 days XX/XX/XXXX : 120 days XX/XX/XXXX : 120 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We Have a Mortgage with LoanCare and they are refusing to pay my property taxes with our escrow account. It was due in XXXX of 2018  and it is XXXX and the taxes still have not been paid. We have attempted to contact them multiple times and every time we get the same answer, they would escalate it and get it resolved. It still hasn't been resolved. They did the same thing to us last year and this year we are facing court for unpaid property taxes.

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 2021-05-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
We have not been able to get the free credit report from XXXX XXXX XXXX, that is supposed to be the portal for such. When requesting it for download, it links us to an Equifax page that ask for my last four and from there it goes to a page that indicated that it is not available for downloading, which is very different from the other two credit bureaus, and it also indicates that I need to send it various documents to an address and it list what is required. 

I've attached a screenshot of the page that restricts further access and ask for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
They are reporting account is open ... The account was closed on XX/XX/2017 ... They are re-aging account and reporting inaccurate and invalid information ...

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