BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: LEXISNEXIS
State: SC
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 in reference to CFPB case XXXX. I filed a complaint a month ago in Reference to a State Tax Lien that does not belong to me. XXXX sent a letter in the mail about a previous dispute and named Lexis Nexis as the reporter of the incorrect information. In the previous complaint , LN stated they were suppressing the invalid lien from my report. After this complaint was supposedly resolved, I again disputed the lien with XXXX and once again it was verified by Lexis Nexis, This my last attempt to get this deleted from my report before buying a house before I file with the BBB, Attorney General office in both states, as well as file suit with my attorney here in XXXX, SC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Red River Collection Company, 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-13
Company: Santander Consumer USA Holdings 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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have contacted Experian, XXXX, XXXX  and XXXX about the fraudulent accounts placed on my credit file and they have done nothing about it. I have submitted a police report to all credit bureaus as instructed and they will not remove the fraudulent accounts.

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 2017-11-28
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My load was from XXXX XXXX to go to school at XXXX XXXX XXXX XXXX XXXX in XXXX Arizona. XXXX XXXX later switched to Navient, my school switched to XXXX or something like that after I graduated and I was not aware. Whenever I was contacted about my student loan I was advised when I could not make the payment to sign up for forbearance. I signed up or that and periodically would get emails asking me to resubmit my forbearance info which was actually just keeping me in a constant forbearance which i thought meant I was not being charged interest on. After a while I forgot all about this matter but was continuously signed up for forbearance until I found an email in XXXX stating my forbearance had ended. At the time they instructed me I would have to make payments of {$150.00} a month and I could not afford this. My XXXX XXXX was just XXXX and we had been preparing to move crossed the country. I attempted to get involved in a student debt relief payment program but was scammed and lost {$100.00}. When I XXXX how to take care of all this I see that XXXX XXXX is being sewed by the government and do not know what to do. I am attempting to get into school in Utah for XXXX XXXX but have to take care of this XXXX XXXX issue. Here is just one of the records of my 3 loans I have with them showing the forbearance. 

DU DEFAULTED, UNRESOLVED XX/XX/XXXX DF  DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX IG IN GRACE PERIOD XX/XX/XXXX IA LOAN ORIGINATED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions 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:
Please see the attached letter from XXXX. Note where they claim I provided " verbal '' authorization in connection with a mortgage transaction. This is a false statement by XXXX XXXX XXXX XXXX XXXX. Furthermore, no voice recording or other concrete evidence has been provided to prove this statement as fact. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau - XXXX, XXXX, and Experian. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX/XXXX XXXX on behalf of XXXX XXXX Illegally inquired on XX/XX/2021

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 2019-08-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a XXXX veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report 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 2020-07-27
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I obtained the payment mailing address ( Discover XXXX XXXX XXXX XXXX XXXX CA XXXX ) through their automated telephone system. I was working with a Loan Specialist at XXXX XXXX XXXX XXXX to send a cashiers check for {$7800.00}, which was also provided through the phone. It was mailed out on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX. ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). I spoke with an agent at Discover after it had arrived, and they stated the address is incorrect and hasn't been used since XXXX! They advised any mail sent to that address would be returned to the sender. My credit union was unable to cancel the check, and recommended I follow up with Discover. This meant I now had a payment due with my credit union AND Discover. 

The check was not returned until XX/XX/XXXX, and canceled by the credit union on XX/XX/XXXX. Discover stated they will honor the original pay off estimate if I send a new payment by XX/XX/XXXX, which could not happen until I first received the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Adjusters is trying to collect {$680.00} when this is not the original amount of the loan. Opened XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions Inc.
State: CO
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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
Consumer complaint received 2021-09-13
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2020 with an amount of {$94000.00}

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 non-monetary relief
Consumer complaint received 2020-07-27
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: Information belongs to someone else

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CFW Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a vm on or around XXXX from XXXX XXXX with a threatening tone. He has reached out to employer, family members in another state along with neighboring family members who all reached out to me regarding his message. States he is an officer looking for me. They did not leave a company name but the contact number is XXXX. Another representative XXXX XXXX left a vm about a conversation I had with one of his employees, who stated that they do not make outbound calls. I explained my situation and she continued to say that I know what amount is due since I took out the loan etc. Did not listen to my situation. 

I attempted to contact them today XXXX and left a voicemail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I owed American Express approximately 1300 for a balance on an American Express credit card. They stated that I need to repay the whole balance by the end of the month, which I thought was absurd. I have never owned a credit card that forces me to pay the entire balance every month. At the time, I had a lot of hardships and wasn't able to repay the whole balance. I told them I can make payments. So we worked out a payment plan of XXXX dollars a month for 24 months. I paid them every dollar that I owed. I have the bank statements to prove it. A year later, they called me again, and said, that I still owed them money. I told them I already have paid, but apparently the person I spoke to didn't believe. They sent my supposed debt to a debt collector. I feel like they were trying to extort more money out of me. And since they weren't able to, they sold my supposed debt to a debt collector to maximize their profits on my behalf. And now I am obligated to hire a lawyer to fight this, which costs me more money that I don't have, especially during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I would like to inform capital one of my financial hardships is why I got behind on my credit card payments. And I am unable to pay off the balances at this time. I am in the process of selling my home and when I get the money from my home selling. I will pay off all 3 credit cards that i had. But only what the credit limits were. Not late fees or interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I called to report money missing from my BANK OF AMERICA EDD DEBIT CARD. The representative said he was going to be sending me a new card there were still a remaining balance in my account and he did not give me the option to transfer the money to another checking account. EDD then deposits an amount that Bank of America then puts together with the old account and closed it. Bank of America near that it was a new deposit but kept it with the problem cart and did not allow me to activate the new debit card that I received. After many phone calls to Bank of America and the EDD sponsor Bank of America keeps saying that the county is closed and they are basically holding my money XXXX I never got any money credited or any type of reimbursement instead I got a letter saying if you contact us by phone or in writing you may request that we reopen your claim for further consideration but they dont even do that they just say that it is closed and they can not do anything about it. One BofA agent had me drive to a branch to ask for my money a day before XXXX. BofA Agents took me for a fool. I even filed complaints if they allowed me but im not sure if they did file the complaints

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 2020-01-25
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and I have previously sent NCB Management Services , Inc. several request to validate debt, NCB File Number : XXXX on XX/XX/XXXX2019, 17 XX/XX/2019, XXXX XX/XX/2019, and XXXX XX/XX/2019. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. I have given them reasonable time to remedy the situation. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Since they are still reporting this account on my credit report, they are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from them by filing a claim in small claims court. I intend to follow through with the suit. 

They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Experian Information Solutions 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:
On XX/XX/XXXX XXXX XXXX claims that I authorized a credit pull on my account, which I didn't. Furthermore, this unauthorized credit pull happened two years ago and should be removed from my account on XX/XX/XXXX. Please ensure that the unauthorized XXXX XXXX credit pull that occurred on XX/XX/XXXX is removed before or on XX/XX/XXXX as required by law. I feel that I have dealt with this illegal credit pull for long enough.

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 2018-06-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I was reaching out because I had an issue with a debt I had. I got into a situation where I had too much debt and douldnt pay everything. I starting working with a consolidation company, My issue is with one of my creditors XXXX the consolidation company actually negotiated a settlement amount that was to be made in 3 consecutive payments and the account would be settled. The first 2 payments XXXX accepted and they went through, the third payment they rejected. This defaulted the settlement with them, because of this issue I stopped working with the consolidation company. Since then XXXX has sold my debt to a third party collection agency and now refuses to speak with me regarding the matter even when I tell them I am disputing. I am trying to see if there is any help for me out there. This does not seem like it would be ok to do.

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: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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