BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-16
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
This is in regards to the previous complaint filed with the CFPB, XXXX. I asked LexisNexis to update my Current Carrier insurance report with all the policies I have had for the past 7 years since there were gaps on my report and I have not had any insurance gap. I contacted all the insurance companies I have had and compiled a PDF with the Declaration pages for each and every single Policy I have had and sent it to Lexis Nexis so they would updated the missing ones. Not only I was forced to contact the CFPB since they ignored me when I contacted them directly, but now I receive an " updated '' report which is still missing over 10 policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX  and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXX has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need 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 2021-01-19
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX placed a collection with Hunter Warfield for a rental property located on XXXX  XXXX XXXX, GA. The leasing agent who rented to me on or around XX/XX/2013 through XX/XX/2013 scammed me out of my deposit, I moved into the property but later found out around XX/XX/2013 that my deposit was never paid and XXXX XXXX XXXX states that I never paid them, now I have already been living their for a few months and want me to pay the deposit again and I said I already paid it. Come to find out the leasing agent that did my lease was fired due to collecting donations on a false claim and it just so happens my deposit was never paid. So I moved out due to the dispute. I have asked XXXX XXXX XXXX & Hunter Warfield to remove the account because they can not validate the debt ie : signed lease agreement or other validations. XXXX  has already removed account but the other 2 agency 's such as XXXX and XXXX have not removed it.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2019-01-11
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: Account status incorrect

Complaint:
My wife, XXXX XXXX ( XXXX ) has a student loan account with Navient ( about $ 30K ) which was reported on my credit report ( XXXX ) as 150 days late as of XX/XX/XXXX. There was 1 missed payment ( XX/XX/XXXX payed XX/XX/XXXX along with XX/XX/XXXX payment. XX/XX/XXXX. Here is my wifes letter : they agreed wityh account status - did not mention it was reported under mu SS # " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX  Dear Administrator : Today I spoke with XXXX  counselor, XXXX ID # XXXX, re : a 120 day nonpayment report sent in to Credit companies including XXXX.

XXXX at XXXX researched my school loan information and denied XXXX   sending such report ; saying that my account is paid up as of today. There was 1 late payment from XXXX, but there has never been a 120 day period of no payments.

This message from XXXX  resulted in my credit score dropping below 600. The XXXX counselor, XXXX, instructed me to write this letter to give all credit reporting companies permission to look into this error.

My Student loan information is the following : Acct # XXXX   Name on account : XXXX XXXX Loan IDs : XXXX   XXXX XXXX  I give you permission to look into this false report against my credit record sent in by XXXX. You may reach me at ( XXXX  ) XXXX or XXXX if you have any questions.

I will be monitoring your progress and look forward to getting this issue resolved. '' Thanks

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 2022-08-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this 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 explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter on XX/XX/2021 regarding inaccurate and unknown things reported on my credit file. Til this day over 90 days later I have not received a response. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 A plainly states that a failure to investigate these items within 30 days will result in immediately removal of those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you have cause me. In addition to this my information was impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: SC
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Reel Time Capital LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a voicemail from someone named XXXX XXXX calling from a spoofed phone number ( XXXX ) who left a voicemail stating that they were calling regarding claim XXXX and that they would attempt to reach me at my place of business because they could not contact me by phone. They stated once my claim ( claim number XXXX ) was released from their office ( no name of office provided ) there was nothing they could do and they wished me the best of luck. They called 2 family members they could find and left them the same information and also stated I would be subject to the local courts going forward. They also stated if my location was not provided, they would be attempting to contact me at THEIR residences. They provided phone number XXXX which I called and spoke with someone who refused to give me their name or the name of the company they represented. They referenced an old debt with XXXX for amount {$310.00} originally taken out but stated now the amount was {$660.00}. They stated I needed to speak with a compliance officer because they had location services looking for me in an attempt to file papers with the courts. I attempted to get the name of the company, the rep refused to provide it. I asked for the name of the lawyers and she stated it was a network of attorneys called XXXX but wouldnt provide any other information. I said they did not have permission to call my family and they stated that I needed to speak with location services in order for them to stop calling my family. They repeatedly refused to provide information regarding the debt as to their names of the company ( other than the name of the original lender, which they provided ) or how I could see proof. She refused to email anything and said that they were going to contact my place of business. I called XXXX and was advised there was a debt for {$310.00} they sold to Reel Time Capital. I attempted to contact Reel Time Capital and was provided with phone number XXXX by XXXX, and the number goes straight to voicemail after ringing numerous times. The voicemail message does not explain who they are or what the company is. I emailed them at the provided email on their website and was not contacted back. Ive called numerous times and emailed numerous times and received no communication in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Square Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
CashApp/XXXX  XXXX  are running an outrageous scam. They told people that if they get their pay deposited into a CashApp/XXXX  XXXX  account they'd get {$100.00} off their next purchase. What they didn't mention is that their card is a prepaid card not a debit card and can not be used in certain stores. The {$100.00} disappeared because of this. When attempting to close the Debit Card and Bank accounts, they said they would not do so unless I deleted my entire cashapp. Unfortunately, to function in 2021 it is necessary to have cashapp although I've moved as much as I can to XXXX. However, this hostage situation that forces me to leave this card and bank account open to ahve the base functions of the app ( that operated just fine without them before ) is ridiculous as when setting this up, it was never stated that this was an irreversible decision, even after talking to them for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted XX/XX/XXXX to purchase something I had listed on XXXX XXXX for sale and they wanted to send payment to prove purchase intent since I was on my way to work. We set upa morning meeting before discussing payment, everything that had been normal for previous sales, then I listed how I was able to take payments which XXXX was chosen. 

They claimed to send payment and I received an email saying I had to upgrade my XXXX  to a business account in order to receive the {$1500.00} because it was over my acount type limit. I knew there was a difference being an individual vs a business using XXXX because I had seen the fee note during previous legit transactions, but I couldn't find something that specified what was being asked and I was then at work so short on time. 

Supposedly an extra {$300.00} was sent to initiate a business account that I was to immediately return, which I did after research again turned up nothing ( including scam warnings ), but I refused to continue anything else when another email wanted an additional {$100.00} to activate a business account and give me access to the {$1500.00} payment. 

I contacted my bank, Prosperity, as soon as they opened the next morning ( Friday XX/XX/XXXX ). The transaction still said pending to me, but my bank said it was already completed and to call back Monday for someone that could better help me. I called back Tuesday XX/XX/XXXX because I had been out of town and was immediately told nothing could be done regardless of Regulation E, but " please let us know if you do find something that says otherwise. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld Systems , Inc. h as repeatedly sent me letters demanding that I pay a debt to   XXXX   XXXX   XXXX   XXXX    <P/> I paid the medical bill months ago. I have asked  XXXX    XXXX   XXXX   to notify   Transworld ; clearly they have not.
<P/>
I have also attempted to cont    act Transworld - they are unreachable over the web or during non-working hours.
<P/>
This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous loan servicer XXXX XXXX had sent me documents that they were transferring my mortgage to Rushmore Loan Management Services in XX/XX/2019. The transfer took affect on XX/XX/2019. I made my XXXX monthly mortgage payment on XX/XX/2019 to XXXX XXXX. It was an online payment.The documents that came from my new servicer, Rushmore said I had not made a mortgage payment in XXXX. XXXX improperly applied my entire payment to principle. I have been calling Rushmore and XXXX since early in XXXX to get this matter straightened out. Both companies keep telling me the other company has to correct the issue. XXXX told me numerous times they would handle the matter and would give me a call back. Each time they lied. Now they say they can not do anything about it. My loan is showing that I am behind every month and is reflecting negatively on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX of this year I became the Representative Payee for my brother XXXX XXXX. For the initial deposit, I received a debit card to access XXXX 's funds. The card is drawn on Comerica Bank. I started to withdraw funds but found that they were charging me each time I withdrew. I tried setting up a transfer but the site was not allowing that. I tried several times to speak to someone but was never successful to get a live operator. I decided to just close the account and wrote a letter requesting the balance of {$53.00} be remitted via Cashiers check. That letter was sent in XXXX, to date I have not received any kind of response. I know it's a small amount but at this point it's the principal. I just want to close this account.

Company response to consumer: Closed with explanation