BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: LEXISNEXIS
State: LA
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:
Lexis Nexis is refusing to dispute information properly. They are showing incorrect information, on merged information. Refusal to give proof of filing a dispute. Refusing to verifying information they are stating that is correct. Their report number is XXXX I want from them 1. A full, and complete copy of any, and all paperwork. A full copy off all files showing all original signatures, ID, compleat paperwork, and current report.

2. Certified documentation used to verify information.

3. Who the information was obtained by, and where it was obtained.

4. Undeniable proof of fraudulent, and erroneous information on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good Afternoon, i first noticed that i had a collection open with Hunter Warfield, i contacted them what it was about and i was told that it was from a broken lease, and i replayed that i didnt terminate a lease with XXXX XXXX, and didnt renew my lease. i requested a copy of the claimed lease and they couldnt provide it. i asked if paying this would delete the collection from my account several times and every response was a blank message. can you please assist me with this, when i moved out of my apartment at XXXX XXXX XXXX, i was served with an evition notice either pay in 3 days or return keys. i returned my keys to the office in the drop box. i have attached a communication log from hunterand warfield i have attached the resaults of the dispute that says it was sent to the credit beaus for deletion and the communications with the company that states they dont have a copy of the lease. they also claim they sent a notice if they did i didnt recieve it to dispute this. and oboviously it wasnt certified letter so they cant prove it was signed for upon reciept

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient continues to call me and my cosigner to pay the loan they claim is past due, even after it has been paid. I submitted the payment online and they do not check the system before calling. The agent tells me the system is automated. Navient calls and harasses me and my cosigner to make a payment. They are relentless and will not stop even when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: FEDChex Recovery, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter dated XX/XX/2018 from FCR Collection Services ( FCR ) indicating that I owe {$250.00}. FCR is trying to collect payment for textbooks that were leased ( and not returned ) by someone using my stolen credit card number. I notified my bank when fraudulent charges appeared on my bank statement and XXXX XXXX  removed the charges and cancelled my credit card. I have made two phone calls to FCR explaining the situation. One call was placed in XX/XX/2018 and the other call was placed on XX/XX/2018. FCR requested that I give them my email address so that they could send me an affidavit form to refute these cards. Instead of sending an affidavit form I am receiving monthly emails requesting payment. The latest email is threatening to have may account placed with a law office to pursue collection.

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 2020-05-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I received a copy of my credit report and there are accounts on it that are not mine.I have tried to contact the credit bureau to remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CBC Companies, Inc.
State: IN
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:
XXXX  customer service would not remove the inaccurate items on my credit report. 
XXXX XXXX needs to be removed, that's not my last name. 
XXXX XXXX, I don't have a hyphenated last name XXXX XXXX XXXX in XXXX Indiana is not a correct address of mine. 
XXXX XXXX XXXX in XXXX KS is not an address of mine XXXX XX/XX/XXXX is not an employer. 

Factual data XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry XXXX XXXX XX/XX/XXXX is not an authorized hard inquiry. 
These need to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX this abusive caller in XXXX to no avail. They keep calling even though I have spoken to them and told them that we owe no one and the previous owner of this number is unknown to me or my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have had my Citibank cc since I first purchased my house. It has remained a MasterCard but has been 're-assigned ' to various cc programs. It started out being a 7.5 % tied to my mortgage, then when CARD kicked in it went to 29.96 % and then later to 22 % on the ThankYou program. Now the ThankYou program is done and they want you to sign up for their money back on purchase program at 26 %, I did not sign up for this. 2 months ago I paid off this card. 2 weeks after paying it off I got a marketing piece informing me that if I purchase anything on my card up to XX/XX/2019 the rate of interest charged will be 2 %. During the next month I received 2 more of these marketing pieces. They all said 2 % interest on purchases made through XX/XX/2019. They did say that transfers were not eligible for the 2 % rate. Not in any of this material did it say that the rate would change once that purchase was made. It did say that purchases made after XX/XX/2019 would be at the current rate of 25-26 %. 3 weeks ago I had one of those emergency expenses that cost {$4500.00}. I went to the Citibank website and check marked the 2 % offer on purchases until XX/XX/2019 offer. On the website it said that transfers were not eligible and nothing else. I ran the charge on the card. Now get this, after making that charge I get a regular letter from Citibank, not marketing material, that told me after XX/XX/2019 my 2 % purchase will be charged at 26 % interest. So if it was XXXX of 2019 when I made the purchase I wonder what they would do? 

This bank has been financially ripping me off for years. I was late paying the account 7 years ago, and it was only once. ( my appendix ruptured ) I have seen these promotional rates before and they run until the amount is paid off on other cards. Not anywhere in the marketing material did it say the purchase interest rate would go up to any other rate. Do not let their marketing material mistake rip me off with the new higher rate of interest.

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 2018-09-01
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX continues to falsely report my credit to the companies, which is resulting in inaccurate reporting. I have reported this issue with Equifx and XXXX, yet the false reporting continues. Every customer service representative that I have spoken to has confirmed that I have never been late on my auto draft payment. The accused late payment is XX/XX/XXXX. This account was reported up to date until XX/XX/XXXX or XX/XX/XXXX ( depending on the company being reported to ). This error has taken my credit score down significantly and XXXX refuses to fix their error, as do the credit bureaus. I have sent proof of payment in the form of a PDF showing the payment was withdrawn from my banking account on time and that XXXX posted it to their site on time, too. None of this has seemed to matter. I will attach this evidence here once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Direct Recovery Services, 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:
They sent my mother-in-law a text with a link and the account number they have for me. I have never heard of this company or received a text myself. I have never used my mother-in-law 's cell phone number in regards to any of my financial needs, not even as a reference. So, I don't even know how/why they would think it was appropriate to share any information with her on any matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Trans Union cost me a job in the past for including incorrect information on my report. Now they are playing with my credit score because they know I am a women own a XXXX  applied for the sba loan and they work hand in hand. My score dropped to a 400something which I have never had in my life with the other credit companies have my score 130 points at least higher. They are always unavailable for any disputes. You can not send them letter they do not respond and now they claim to be busy. I have worked on their XXXX XXXX and they sare information sell information that americans have no clue about and just trust any company. Just like the covid being treated wrong and because of american greed trans union reports wrong information. I am in control of my information not them and they better remove XXXX XXXX XXXX   etc and all of my late payments. It is incorrect - and I have never been late on any accounts - also inquiries which car dealerships did with out my approval next to complain about - My XXXX lease came to end PAID on time - I purchase dthe car from XXXX  ... .no inquiries necessary from any vendors Remove everything late and you better get my credit score to where it should be crooks! You are not playing with me just because I applied for my business for the sba and yes you are in cahoots! Trans Union needs to be audited! how they misuse the information not the first time! Their data is not secure they use legacy equipment they do not do backups ... .etc etc

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 2018-09-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. Redit   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been Kate on a payment and my score keeps dropping

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: TRANSUNION INTERMEDIATE 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 would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/2018, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX Ref # XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/2018 to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.

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 2018-09-01
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:
I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/XXXX, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX XXXX Ref # XXXX, Opened XX/XX/XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/XXXX to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.

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 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I submitted a court document to the Bank, which indicated that i was not charged with any criminal actions due to i did nothing wrong. But Bank of America is holding me liable for {$3200.00}. Furthermore, XXXX XXXX case # XXXX was criminally charged with theft. She was found guilty and is serving 5 years in prison ( weekend ). So, why am i being held responsible also. This is like double jeopardy.

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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TRANS UNION ISSUES THAT THEY HAD IN XXXX THEY REFUSED TO REMOVE XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX WAS THE ONE THAT REFUSED HE WAS IN XXXX WITH A BAD ACCENT AND VERY BAD CONNECTION

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 2021-03-29
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I OWE THEM NOTHING! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process.

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 2018-11-07
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
HAVE TRIED OVER AND OVER AGAIN TO SAVE MY HOME OCWEN HAS MADE SO MANY ERRORS THEY COME UP WITH A DEPRECIATION MODIFICATION THAT WAS SIMPLY FOR THEIR BENEFIT MY ORIGINAL NOTE WAS DRAWN UP WITH DIFFERENT ADDRESS ON THE NOTE WHICH THEY WILL NOT ACKNOWLEDGE ; ORIGINAL MORTGAGE BROKER OUT OF BUSINESS OCWEN WANTS ME TO DO A FOREBEARANCE AGREEMENT WITH A {$81000.00} DOWN PAYMENT ; I've OWNED THE HOME FOR YEARS NOW THE SAME REP WITH OCWEN NOW DENIES MY LOAN MOD REQUEST REPEATEDLY WITHOUT FULL REVIEW ; SAME STORY I'M AFRAID I'M GOING TO LOSE MY HOME PLEASE ASSIST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Todays Date : XXXX On XX/XX/2020 I closed on an FHA mortgage for property XXXX XXXX XXXX XXXX, XXXX FL, XXXX with : Home Town Lenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX My first payment was due on XX/XX/2020 for the amount of {$1600.00} Status of first payment : Paid on XX/XX/2020 and posted by XXXX XXXX XXXX on XX/XX/2020 ( I have copies of the cashed check # XXXX from my banking institution ) Mortgage Transfer Update : I was notified via letter in the mail dated XX/XX/2020 but received in my mailbox on XX/XX/2020 that my mortgage was then sold to Equity Prime Mortgage. 
Equity Prime Mortgage : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, GA XXXX I have since had multiple contacts with both mortgage companies as neither company is able to reconcile my first mortgage payment. 
Dates of contact : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX I have written documentation with proof of cashed checks that I am up-to-date on my mortgage payments. Yet after emails and phone calls I am still not getting reconciliation and I was told I am only covered until XXXX under the mortgage protection act. 

Based on lack of response and reconciliation, I feel as if this mortgage transfer may be fraud related and I am worried about my home and credit status. I am asking you to get involved as time is sensitive and I have done absolutely everything on my part to reconcile this. According to Equity Prime I am a month and half delinquent which is not the case at all.

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 2021-08-13
Company: EQUIFAX, INC.
State: WI
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/2021 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 like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation