BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: Resurgent Capital Services L.P.
State: UT
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:
LVNV Funding is reporting a debt on my credit file that is not mine. I had tried to get in contact with them and explain that i was a victim of identity theft. Someone opened this account under my name but it was never used. The balance that was sent to collections is made up from their fee 's for opening the account and for being " late '' on these payments. I NEVER opened this account and wasn't aware this was even on my credit until i checked recently. I called and tried to work with LVNV Funding and came to the conclusion that i should settle the debt because it was significantly affecting my scores and for the balance it was not worth it to fight and continue to damage my scores. Now the debt is completely settled and I'm so over dealing with LVNV Funding for a debt that isn't even mine. I tried to get a deletion letter from them for the reason that it is not my debt and they would not supply that to me which is very ridiculous because i paid this debt even when it wasn't mine!!!! I NEED LVNV Funding to remove this erroneous debt from my credit file. It is not mine, it is paid, and it is affecting me being approved for financing and it is causing hardship on me, i can not have this debt that isn't even mine on my credit file anymore. I need it to stop damaging my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. Below are the companies who are reporting fraudulent information to the credit bureaus : XXXX XXXX XXXX - {$1500.00} XXXX XXXX - {$2800.00} XXXX XXXX - {$2900.00} XXXX XXXX XXXX - {$1000.00} I have written the credit bureaus and stated it was fraudulent and to no avail it is still being reported 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 2018-07-03
Company: LEXISNEXIS
State: TX
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 is incorrect

Complaint:
Lexis Nexis has reported some derogatory added information on XXXX XXXX that has prevented me from opening checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear IC System : I hereby ask that you verify IC System claims concerning consumer materials conferred to the three credit CRAs for me, XXXX XXXX, for the suspicious account number XXXX, XXXX. Since damaging reporting errors may be vis-a-vis that reported data, I formally request that you document and send the formal validation on your letterhead promptly. Additionally please show that this account was not claimed as a loss with any insuring entity. This is not a request for a summary one-sheet. In lieu of that, I must requisition a full audit. 
If these reasonable demands can not be met during the month following receipt, data uploaded by IC System to the credit bureaus should be deemed wrongful and may evince a nullification of my consumer rights. Given that occasion, you must annul that bureau material directly. 
Thank you for IC System assistance in this regard.

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 2020-08-21
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my fianc and I purchased a vacation package at the XXXX in XXXX. Total sales price was {$1800.00}, we made an initial down payment of {$290.00} and were to make 11 payments of {$140.00}. We scheduled our vacation package for XXXX XXXX of XXXX, a 6 night stay at the XXXX XXXX XXXX. When COVID hit we were waiting to hear updates about our vacation package because we knew that XXXX  and much of the world was on lockdown. We never received any messages from XXXX and after being told that the VIP vacation packages department was not accepting any phone calls we sent several emails to them asking for updates and a refund if applicable. We did not and still have not received any response from XXXX, that is when I decided to contact my credit card company to protect me as a consumer. I filed a claim with Discover on XX/XX/XXXX and provided them full details of my situation with XXXX. An investigation was completed and on XX/XX/XXXX and I was informed that my dispute was being denied and all charges would be posted back onto my account. I have attempted to reach out to XXXX and they are still not accepting phone calls, in addition the customer service representatives are not interested in helping me at all. I am filing this complaint against Discover because as their customer, and as a consumer, I have rights and protection which I am being denied. I am being deceived and defrauded by XXXX and my credit card company is not protecting me. I understand COVID19 has had a huge impact on thousands of businesses but the practice of not accepting phone calls and not responding to emails by XXXX is a deceptive practice. I am paying for a product and service for which I have no idea if I will be receiving. XXXX does not respond to my communication attempts and Discover is not helping me navigate through this challenging time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/XXXX of this year a collection company, XXXX XXXX XXXX, has been reporting an account to my consumer credit file in XXXX, XXXX and XXXX. The article is a debt in my name for the amount of {$660.00} which I don't recognize as mine. Furthermore I have never used the services of the company who originally contracted them. Under the FCRA laws, I submit a dispute with each credit bureau twice, both times asking for the documented proof and correction of the item on file. My simple request is being ignored and no such documentation, be it itemized charge lists, original contract, signed paperwork, debits, affidavit or other document has been provided to me. This company is damaging my economy to the point that I tried to obtain a mortgage and the rates where not the best because that erroneous and fraudulent debt on my credit report. I am contacting the CFPB with this complaint because not only is the debt illegally reported, but not one principal at XXXX will help me as is required under the law. 

I have gone on the record with the top three bureau 's and have extensivley sought a resolution to this issue. I am asking the CFPB to mediate and force servicer to comply with an actual investigation, provide documentation from where they got this account and fix a problem which is not mine, yet which through negligence, is besmirching my standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: Factor Trust
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received my XXXX XXXX report and see that Factory Trust has pulled my report multiple time without my consent, I have never applied for any of these companies. 
1. XXXX XXXX XXXX 2.XXXX XXXX   3.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/2021 vehicle gets repossessed at XXXX No prior notice was given, no one was able to tell us where the vehicle was taken to or let us remove our personal items from the vehicle Called SETF to find out what has happened, was told vehicle was repossessed after 84 days past due balance. 


Asked Toyota why no one had contacted readinf past due balance, was told there was a do not contact on my Account and my personal phone numbers were removed without my permission or knowledge. 

I have been making payments towards my loan, weekly {$500.00} and Toyota has only processed some of them. Claim they did not receive the remaining. 

I had to XXXX XXXX  Toyota almost {$4000.00} to get vehice back. 

This situation has caused me issues in my work day, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have requested the details for the mortgage amount we owe. Bayview Financial sent me a computer generated mortgage payoff letter. Bayview did not provide the detail I requested but sent me a canned letter which is inaccurate. Bayview did not provide the detail for the ( Escrow / Impound Account. ) There is no way of knowing what makes up this amount. In addition Bayview does not provide the detail for the ( Escrow Shortage Account ) in the payoff letter. The only amounts in escrow for our mortgage should be my property insurance and property taxes. Bayview will not provide any detail so I can not determine if their amounts and calculation for these accounts are accurate. 

Bayview has not verified these amounts and the amount of payoff in their letter is incorrect. After reviewing my property tax records the records show that Bayview has made a serious error and double paid the property taxes which has contributed to the incorrect amounts in the ( Escrow / Impound and Escrow Shortage Accounts ). Bayview has raised my monthly payment substantially with no explanation based on this false and incorrect information resulting from their mistake. It is likely this was also the case with XXXX XXXX which preceded Bayview as the loan servicer of our mortgage.. 

I feel strongly that Bayview is ignoring us and treating us unfairly because we are seniors and a minority.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an XXXX XXXX AAdvantage credit card with Citi at the beginning of the year. I was approved for the card in XXXX and was charged an annual fee of {$450.00}. One of the benefits advertised for the card was access to XXXX XXXX admiral lounges in participating airports. As a result of the Covid-19 pandemic, this benefit has not been offered. 
Citi has not offered any compensation for the loss of this benefit. 
Before paying my annual fee I called Citi who mentioned that they are unable to make any compensation for the annual fee that was due and paid for in XXXX. 
I heard from a colleague this month who also has this card that he called Citi and they refunded his annual fee. I called Citi again on XX/XX/2020 to ask if I could have my fee removed and my card cancelled and they mentioned that the policy they came up with was to remove fees if the card was cancelled within 37 days of paying the fee. This policy was not communicated in any way shape or form. In fact, when I previously called ( well within this time frame ) I was told that there was nothing that could be done for me and the only compensation that would be provided would come if I paid an additional annual fee next year. 
This seems like a clear UDAAP violation, they are treating customers unfairly based upon when they happen to call and cancel their card ( without communicating the policy anywhere ). This is also a deceptive practice as I am not receiving the benefit that I paid for. 
I would like to have my fee removed or reduced THIS year as I have paid for a product / service that I am not receiving.

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 2019-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Late payment reported ( {$16.00} ) to my credit report that caused my credit score to decrease greatly. I made the payment and just want the late payment taken off my report. As my credit report shows it has 100 % payment history prior to this late payment. I hope CAPTITAL ONE can over look this one time mistake and erase the late payment. 

Credit card company : capital one Credit card : capital one savor rewards card Payment made : XX/XX/19

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy federal credit union garnished my entire checking and savings account {$2000.00} because they said that I owed a credit card that was in collections a year ago. I talked to them before and was told that since it was in collections that my checking or savings account would not be touched. They also let me open a checking account and I deposited {$500.00} in it and then days later after they took my money they call to tell me that they were closing my account because I didnt qualify for a checking account with them. This was after they opened my account and let me deposit money into the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. First issue I have is my name is not XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX please delete any variations of my name and misspelling the correct spelling is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, IN XXXX. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX  # XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX , XXXX, IN XXXX Please delete the following numbers they are not mine and are inaccurate : ( 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 2019-09-05
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting robocalls from a supposed debt collector from a local area code. I get a robo message instructing me to call a toll free number, not the number they are calling from noted on my caller ID. 

More than likely a spoofed number and a phishing attempt for personal information for ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/ 2018, there was a 90 day+ missed payment placed on my credit report. I was in forbearance at that time do payments were temporarily postponed. The company refuses to fix their issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. First issue I have is my name is not XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX please delete any variations of my name and misspelling the correct spelling is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, IN XXXX. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX  # XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX , XXXX, IN XXXX Please delete the following numbers they are not mine and are inaccurate : ( 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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On date XX/XX/2020, I noticed that XXXX  XXXX XXXX is still reporting on my credit report. This credit is over ( 7 ) years old. Due to the statute of limitations on debt in the state of NY in which I reside in this account must 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 2020-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They say its a valid debt but cant show me where I was ever the person that established this account. Ive told them numerous times this was not my account and they report it as a judgement on my credit yet I never received any documentation to report to court. This is not my debt and have disputed numerous times and they report to the credit union that they have verified debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I spoke with a representative at TD Bank approximately 3 weeks ago in regards to receiving a refund from XXXX XXXX. I was told since the account had been closed that it would have been returned to XXXX XXXX. Remind you this was a refund of multiple payments that totaled {$750.00}. I spoke with XXXX XXXX and they assured me that no payments had been returned. I called TD bank today XXXX/XXXX/2020 and the rep today said on XXXX XXXX 2020 they received a refund of {$750.00} even though my account has been charged off and sent to collections since XXXX/2020. Im not understanding that if my account was closed and charged off why was the refund accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out that I was a victim of Fraud and someone falsely used my identity as a co-signer on a auto loan. I was not aware of this until XXXX XXXX had gave me a call. They stated that the person who stole my identity had gap insurance and that it would cover the debt. Although I told them this is not me they continue to report this as a charged off on my credit report. I would like an investigation to show proof as me as a co-signer and have the debt 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 2019-01-08
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account was take off my credit report several times and they keep reinstating it, the bill is not mine and I would like it removed for once and all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 A NEW COLECTION ACCOUNT THAT JUST APPEARED ON MY CREDIT REPORT THAT I THINK IS PART OF MY IDENTITY THEFT CASE BECAUSE I HAVE NO IDEA WHERE THIS CAME FROM AND WHO MAY HAVE OPENED IT USING MY 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