BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: LEXISNEXIS
State: SC
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:
LexisNexis has willfully and maliciously allowed false information to remain on my insurance report for four years and is unable to provide accurate information in reference to the use of my profile with them. On XX/XX/XXXX I was involved with a not at fault accident where the at fault driver rear ended my XXXX XXXX XXXX and the driver was excluded for the owners insurance and thus was an uninsured motorist. Then on XX/XX/XXXX I was shopping for new car insurance and it was disclosed to me by XXXX, XXXX XXXX, XXXX and XXXX insurance that said accident was reporting as an At Fault hit and run accident with damage of {$17000.00} and makes me ineligible for car insurance. Upon contact with LexisNexis and the insurance company that handled the claim XXXX, it was determined based of evidence provided to me that LexisNexis doesnt keep accurate records of who requests a Loss History report or who requested a copy of the consumer file. Also it was determined that they willfully and maliciously keep false data on a consumers file because they keep claiming that my file states the accident is not a fault in their system but then when an insurance company pulls it they state at fault. There are multiple requests to fix the false information and even with an agent from XXXX insurance on the phone LexisNexis would still not fix the false information. Upon request from XXXX, XXXX XXXX and XXXX with two different policys this false information has been used to determine my rates with them thus causing me to pay higher premiums then I should have been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled my annual credit report from in XXXX of XXXX. I noticed a debt in the name of Fair Collections and Outsourcing listing an account for a previous apartment complex that I used to live in by the name of XXXX XXXX XXXX. I instantly knew the figures listed were inaccurate and the information being reported on my credit report from this account were inaccurate. I contacted them by phone in that same week and requested to have something mailed to me to validate the debt. Nothing was ever received at this point I went ahead and had a third party company XXXX XXXX XXXX dispute the debt on my behalf on XX/XX/XXXX. It was then deleted from my XXXX credit report but nothing was done for XXXX or XXXX. At this point I am still waiting to receive something showing validity of the debt. Back on XX/XX/XXXX I filed another dispute this time directly with XXXX and they claimed it was verified but again nothing was sent to me in writing. This mark on my credit has caused me anxiety and anguish and I have even been rejected additional credit because of this unverified account. Why are they not willing to furnish the proof of this debt?

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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. Chapter XXXX Bankruptcy Discharged 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 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
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 -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 ) 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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : 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 2022-11-08
Company: Experian Information Solutions Inc.
State: SC
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX 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 instruction 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 7 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 explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: CT
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 tried countless times to have all three bureaus understand two items. XXXX XXXX XXXX charge off was 7 yrs ago and I paid the account In Full as the check noted. Over XXXX XXXX  
Second I have one student loan payment. They are reporting late payments as XXXX for each loan that the payment is disbursed across. This is absolutely ridiculous and unfair and no one seems to care at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
there are several reporting violations on my file that need to be addressed according to the letter attached

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 2019-06-07
Company: Experian Information Solutions Inc.
State: KY
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 disputed the late payment status reported on XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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

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 2023-07-18
Company: CITIBANK, N.A.
State: MN
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:
I noticed fraudulent charges on my account 7 months ago. I immediately called and notified the credit card company and canceled my card. Despite this, additional fraudulent charges appeared a few days later. I again contacted the credit card company and completely closed my account. Despite this, Citi issued another card in my name, which then incurred interest, fees, and late payments. I have called monthly to dispute these charges and each time I am told the account will be updated and return to XXXX XXXX Now, I am contacted twice daily by the collections team and have incurred negative credit raitings.

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 monetary relief
Consumer complaint received 2023-07-18
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/XXXX i have attempted to have my PMI removed from my mortgage. I had a full appraisal in XX/XX/XXXX which showed by value to be more than sufficient for the requirements. I understood i would still need to pay for their appraiser but we could use that amount as an estimated value. 

I filled out the paperwork, they received, changed the fee, requested new payment etc. Every 2-3 weeks i call and there has been a new excuse as to why the appraisal has not been ordered. Finally they said i owed them an additional {$10.00}, which i paid ( again ) and still have not been contacted by appraiser. 

I have spent so many hours on the phone getting no where with this company. They are in violation of the homeowners protection act. My PMI should have been removed in XXXX at the latest and in XXXX now still waiting for an appt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NY
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

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 2021-06-28
Company: EQUIFAX, 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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 a mortgage with Select Portfolio Serving, SPS. Several problems with SPS. SPS did not reflect my payments made. When I was on unemployment I requested a modification. SPS was not reflecting my payments on my credit reports, SPS made several credit inquiries both of which reduced my credit scores. I made several phone calls to SPS with no answer to my modification and payments. SPS started a foreclosure on my property and did not notify me properly. Notices of the pending foreclosure were posted on a back gate where no one would see them. I enlisted the services of an attorney to help me with the issues. My attorney phoned and sent many messages to SPS. The attorney for SPS said by law SPS had to respond to our inquiries. No response was made. SPS considers standard cookie cut letters to be communication. No response to numerous attempts of communication by me, or my attorney or even their own attorney. With the advise of my attorney I filed for Chapter XXXX to force SPS to communicate. This caused further damage to my credit score. The chapter XXXX was filed with {$0.00} and dismissed within a couple weeks. Since then SPS has still not responded to direct communication. 

I completely believe SPS decided to foreclose because the property was worth more than the mortgage and they were taking advanage of their power.

SPS completely ruined my credit scores by their direct and malicious actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im trying to buy a house. Upon the loan application a debt i didnt know i had or ever received information stopped me from getting the loan. I tried to reach out to sequium asset collection s numerous times calling them and i never get a live person. It asks to leave a message that never gets returned. Ive sent emails to no avail as well. My family needs this loan to better our home as we are a growing family. The debt is XXXX XXXX I can easily pay it. They are making this a nightmare

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are fraudulent inquires on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : XXXX Complaint You closed this out after a letter was received from Quicken Loans. 
The company now holding ou mortgage is XXXX, and they show they received our XXXX payment from Quicken. 
We made the XXXX payment to Quicken on XX/XX/XXXX, and it is reflected in our statement from Quicken. XXXX  says they did not receive this payment. They do shoe receipt of the ESCROW amount of {$4000.00}, but no payment, all in XXXX. 
A previous 3-way call between Quicken, myself and XXXX did not resolve this payment discrepancy. Today, XX/XX/XXXX, XXXX  still does not show receipt of the XXXX payment, but they will pull that payment from the ESCROW to apply. 
This will make the ESCROW account short come time to pay taxes. 
Quicken maintains they sent the XXXX payment to XXXX. 

This is exactly why I made the original complaint, because it will cost me money, time, XXXX  and trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is in regards to my Kohls credit card account. I have always made my credit card payments on time and I have always maintained a credit score in the XXXX XXXX. I recently learned that I had missed a payment for Kohls. I had not been contacted by anyone from Kohls until the week of XX/XX/XXXX regarding the late payment. I had not received anything by mail or other phone before this call. When I did receive the phone call, I explained to the agent that I couldnt give her my payment information at that time but I would call back. I called back within 2 days. At that time, I set up an automatic withdrawal from my bank account of XXXX ( the day that my next bill was due ) for the amount of {$210.00} to bring the account current. At this time she told me that they would also credit my account {$74.00}. The agent led me to believe l that this would not negatively affect my credit since I was paying by my next due date and it has. The late payment are now showing on my credit report and are affecting it dramatically. I have sent two request to Kohls executive office to remove the late payment on my report. I received one letter stating this could n't be done and I have not received a response from my second request. We are currently trying to get a different home in order to help care for a family member and the late payment is effecting my credit score greatly. I would like for Kohls to remove the late payment for the credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was searching for concert tickets to XXXX XXXX on XX/XX/19 on XXXX. I emailed one of the posts and provided my phone number. The XXXX person who posted the ad contacted me via text messaging. He asked for me to send the money for the tickets and he would then send me the tickets via email. I sent the money and the person who claimed to be " XXXX XXXX '' disappeared. I was never sent the tickets and his phone number was disconnected and his ad was removed. The XXXX Ad was post ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls multiple times daily, including after hours calls. Informed them to please stop calling as I am on the do not call list and rep stated that is for telemarketers only ... .sorry ... NOT TRUE.

Company response to consumer: Closed with non-monetary relief