BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: LEXISNEXIS
State: CA
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 belongs to someone else

Complaint:
I have contacted LexisNexus twic

e, one by mail and once by phone. The company has failed to take action to comply with the California rights to privacy. They have made the website not work with intent to harm California residents as they get paid to report information and do not want to delete my opt out request and correct the file. I am requesting help as they are not resolving the matter. Copy of second Letter to Lexusnexus has been
provided for support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-15
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My credit was pulled on XX/XX/XXXX. On my credit report with XXXX and XXXX XXXX it shows as " comenitycb/wyndham '' as a charge card. They can be contacted here XXXX XXXX XXXX. For some reason it's not listed with XXXX ( thankfully ). 

When I went to the timeshare showing in XXXX XXXX, I was told to sign documents stating i would no longer come to XXXX events as i wasn't interested in them and they don't want clients to come back and use them. I have no idea why i even have this rewards line of credit when i have no interest in their resorts. 

There's also a dispute with XXXX under my name as well, for the OTHER credit card they opened without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 Radius Global report debt to my credit report for {$3100.00}. 
Explained the debt is not mine and Radius Global refused to remove collections from credit bureaus. 

Debt is belong to a minor of friend who visited my town. 
Debtor is not related to me or family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I mailed via USPS check # XXXX for {$42.00} to XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX, PA XXXX. On XX/XX/XXXX, I noted the check was not credited to my account and emailed XXXX at Customer Service, XXXX XXXX XXXX XXXX XXXX. Between XXXX XXXX XXXX through XX/XX/XXXX, I worked via email, phone or in person with XXXX, XXXX and XXXX at the Customer Service Department/Financial Services and was informed the check was never received by XXXX XXXX XXXX XXXX . I emailed them a copy of the cashed check with front and back of the check included showing the check was deposited on XX/XX/XXXX by Wells Fargo Bank and my bank, XXXX XXXX XXXX removed the amount from the joint account in my name and my husband 's name on XX/XX/XXXX. I was told the endorsement on the back of the check was not a XXXX XXXX XXXX XXXX account and that the XXXX XXXX did not have the check. On XX/XX/XXXX, I met with Assistant Manager of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX and opened a new account since the check was cashed fraudulently and was informed to talk to Wells Fargo Bank. I attempted to talk to the Assistant Manager and Manager of Wells Fargo Bank at XXXX XXXX XXXX XXXX, XXXX, PA XXXX and told they couldn't talk to me since I did not have accounts with them and that my bank   needed to complete a fraud form. I then returned to XXXX XXXX XXXX and completed the Affadavit of Fraud Form. Over the month of XXXX, I was told I needed to complete a new form stating the issue was missing improper endorsement. I was told on XX/XX/XXXX XXXX XXXX XXXX did all they could to correct the situation, but had no success and that I should try with Wells Fargo again. I spoke with XXXX at Wells Fargo customer service phone line and was again told they couldn't talk to me since I didn't have an account with them and that XXXX XXXX XXXX XXXX would need to correct the situation with their source ; they could not explain further what that meant. I am looking to have my account credited for the {$42.00} that was fraudulently removed. I did pay the XXXX XXXX bill with a new check.

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 2018-01-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
before the XX/XX/XXXXdue date as well as the second payment was sent before the XX/XX/XXXX deadline. On XX/XX/XXXX XXXX XXXX XXXX XXXX filed a mortgage foreclosure on XXXX XXXX XXXX 
Ocwen portryed they could assit me. Instead left me homeless and short on funds. 
Ocwen also retained Insurance proceeds which were due me for 4 years. They had just released the funds XX/XX/XXXX. 

Ocwen purchased XXXX XXXX back in XX/XX/XXXX. However XXXX XXXX XXXX initiated and completed foreclosure on XX/XX/XXXX. They also received a default judgement on XX/XX/XXXX. ( At his time I was in a XXXX XXXX XXXX and eventually XXXX XXXX XXXX XXXX XXXX ). 

Ocwen Loan Servicing has also been repoting incorrect information to the credit beaureaus since XX/XX/XXXX until present. A I have never understood how Ocwen Loan Servicing could purchase my previous lender XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. was able to foreclose. This does not seem fraudlent to me. I am very interested in getting my home back to my ownership if at prayerfully possible. 

I have attached paperwork and cases

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX - XXXX XXXX XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XX/XX/2016 please remove accounts from 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 2023-03-14
Company: Experian Information Solutions Inc.
State: AZ
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: NC
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 been disputing this account for almost 8 months now and all I want is to have this account removed from my credit report. XXXX  XXXX  XXXX  Account Number: XXXX****: I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

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 2017-07-06
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On  XXXX / XXXX /   17  a  XXXX   XXXX   Visa  card was activated in my name. I do not have this card nor did I ask to receive this card. I have sent the company two messages using their secure messaging system on their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$44000.00}.

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 explanation
Consumer complaint received 2019-12-20
Company: AMERICAN HONDA FINANCE CORP
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Honda has added extra charges for a vehicle they reposted by choice then they refuse to give me back the car. They receive full balance for this car then they charge extra money just so they can bill me and mess up my credit. This company continues to report me late for no reason I have no agreement with them no I do not feel as though I owe them anything. I have fought this time and time again I am on XXXX XXXX   and work partite they took my car when I came to visit NY and I lost my job! I am still not working full time they had no reason to deny me back the car now they are reporting me late and ruining my credit just for their purpose. They are never going to get this kind of money from me I told them that they never even tried to resolve this they lease these cars to people and take them back and leave people in XXXX XXXX area with bills they do this on purpose. 
I want them to stop reporting me late I do not have a agreement with them for any payment I can not pay. They just want XXXX people to file for bankruptcy I will not do that. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-12-21
Company: Client Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Cust. Relations Mgr., I ask that you provide validation for account history information Client Services , Inc. transmitted to any consumer reporting agencies for me, XXXX XXXX , for the so-called account number XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from CLIENT SERVICES INC to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. 
I appreciate any assistance you will provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Sezzle Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was looking for a buy now pay later sort of thing and I found a company called Sezzle and they gave me a {$750.00} credit on their virtual card and when I went to target 's website to buy gift cards for {$750.00} they cancelled my order, took my money and revoked my virtual card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, INC.
State: NC
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 been disputing this account for almost 8 months now and all I want is to have this account removed from my credit report. XXXX XXXX XXXX Account Number: XXXX I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX/2016 was the last activity with original creditor. My vehicle was turned in and set to be auction off. I had the car for almost 2yrs paying XXXX. When I was injured at work and was off with lil income coming in I fell behind. They came and got the vehicle and told me they was auctioning it off to be sold. I have asked for documentations on what was the balance before it was turned in, what was it sold for and has received nothing but calls and letters from Ally and a law firm protaining this matter

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 2021-12-15
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My loan matured on XXXX XXXX I knew I had about {$1500.00} in late fees accrued on loan. I contacted Santander before loan matured to try and see if late fees could be negotiated to be able to pay off loan on time. I was advised no that would not be an option for me. 
Once loan matured, I was able to pay the balance owed on loan on XX/XX/21 Balance {$940.00} so that I would only be left w/ late fees to pay later since I did not have the money at this time to pay them. On XXXX XXXX I found out due to credit reporting that they reported me over 30 days past due for principal they state I still owe of {$440.00}. 
I again contact Santander XX/XX/21 spoke to a representative by the name of XXXX. I requested the amount applied to late fees XX/XX/21 of {$430.00} to please be reversed and applied to balance owed. So that I would only owe late fees to pay at later time. Per her supervisor she was advised that would not be able to be done. 
To my prevail prior to this effecting my credit I tried to work w/ Santander In negotiation w/ late fees and I was turned down. After what I thought, I had finally finished paying off my loan they are still maintaining my loan accruing interest, accruing late fees and reporting negative on my credit. 
I believe Santander is in violation of credit reposting on my account and for not wanting to rectify this matter and refusing to work a possible resolution on late fees before all of this occurred. I have enclosed all supporting documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The XXXX XXXX XXXX took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was XX/XX/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: International Computer Systems, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX Debt collector is wanting me to pay for XXXX for unknown service for my previously brankrupted company ( XX/XX/XXXX discharged )

Company response to consumer: Closed with explanation