BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: Lockhart, Morris & Montgomery Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lockhart, Morris and Montgomery has reported a collection account with a balance of nearly {$5000.00} on my credit reports. They repeatedly contacted my dad, even though I am XXXX XXXX XXXX in an attempt to collect a debt that I even owe. There is no judgment against me. When they called my dad they did not identify themselves as debt collectors and tried to find out my contact information and location. 

They even contacted my grandparents on the phone to try and find me. My grandparents were very upset by this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: GA
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:
Upon checking my credit I realized some fraudulent charges. So I went to FTC file an identity theft affidavit. I also sent information in to the collections agencies which seem to be ignored. So now Im sending my compliments to cfpb. The following account are XXXX  XXXX XXXX  account number XXXX XXXX  XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX XXXX  account number XXXX All of the above listed accounts are fraudulent. Ive never done business with these companies or entered into A written contract with his company. 
please see attached FTC report which will be very clear so please dont say you cant see it as to what you keep sending back generic letters in the mail. please see proof of identification per FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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: Public record information inaccurate

Complaint:
XXXX XXXX, XXXX To Whom it May Concern : I am disputing the XXXXen ( 10 ) Federal Tax Liens on my Credit Report. As of today, Equifax has not removed the Federal Tax Liens from my Credit Report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XXXX, XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. My ten ( 10 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). Based on the NCAP Rules that became effective XXXX XXXX, XXXX, I am disputing the Federal Tax Liens on my Equifax Credit Report and I request they be removed according. Thank you very much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Discovered recently I was being charged monthly {$11.00} for an unauthorized XXXX XXXX credit card from Chase Bank from a Chase Bank account that was closed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I contacted Chase and informed them I did not authorize the XXXX XXXX Card and I did not receive a card or activate same. I was advised by Chase on that date that they would close the XXXX XXXX card as a possible fraud issue. On XXXX XXXX, XXXX Chase Cardmember Service sent a letter advising the credit card account is past due in amount of {$35.00}. Including past due amount and the current payment due. " Failure to pay this amount could result in your account being closed. '' On XXXX XXXX, XXXX my credit score dropped from XXXX to XXXX, a XXXX point drop, per XXXX XXXX web site. On XXXX XXXX and XXXX, XXXX XXXX customer service advise via e-mails there were no outstanding balances and " Customer was not aware of prime membership charges. '' On XXXX XXXX, XXXX Chase Cardmember Services advised via a letter regarding account ending in XXXX, " We closed this account to prevent fraud. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2014 I was living in XXXX and laid off, NY department of social services paid my utility bills and I paid them back. Numerous collection agencies tried to collect on the debt and I submitted proof to CFPB years ago and CFPB even forwarded to FTC. All was removed years ago from my credit reports. Today all 3 credit bureaus are reporting this as a debt  collection from Harvard collections in the amount of {$570.00}. I called them and they stated this is the same debt owed from 2014 that was paid and now is hundreds more. This was paid by the department of social services of NYC over 6 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : I am trying to resolve my monthly payment amount. 

My LTV is at 80 % and is therefore no longer subject to PMI. I have requested for my PMI to be removed over the phone but I have had no formal response provided to me that it is being removed. 

I would like a written response to my PMI inquiry from Loancare. While attempting to use the Loancare customer service link " https : //myloancarecustomeradvocate.com/XXXX '' on their website, it links to an unusable portal. 

When attempting to use the help line, I was informed of call wait times exceeding 1 hour. 

This company should not be allowed to service customer mortgages due to its complete disregard for customer service. 

Regards, 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 2019-04-23
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls all day long at my job. I am not able to accept phone calls at my job. They call and leave messages daily.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
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 reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance {XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX BANKRUPTCY XXXX XXXX  XXXX Amount - BANKRUPTCY CHAPTER XXXX XXXX Amount XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XXXX XXXX, XXXX Bankruptcy XXXX XXXX Amount : - Bankruptcy chapter XXXX XXXX Amount : Individual : Bankruptcy XXXX Amount - Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount

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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attempted numerous times and have disputed information pertaining to my XXXX and transunion credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in 2017 and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation 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 2017-11-06
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I withdrew cash from a non-SunTrust ATM in XXXX, XXXX from my CHECKING account and was charged {$3.00} by the non-SunTrust ATM for a balance inquiry for my SAVINGS account. I never performed an inquiry for the balance of my savings account. The non SunTrust ATM charged a fraudulent fee to my Savings Account in the amount of {$3.00}. I would like for the CFPB to perform an investigation to determine how how the non-SunTrust ATM was allowed to charge me for a service I did not request. I would also like for the CFPB to perform an investigation to determine why SunTrust allowed the non-SunTrust ATM to deduct a fee from my savings account when the fee was fraudulent.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: LA
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 trying to get Experian and XXXX to resolve the issue on these two accounts. I have complaint about the HIPPA privacy violation and have complainted to XXXX  for their assistance. I am continue to receive calls about my medical condition wich is againt the HIPPA law. I have also filed complaints with CFPB and directly with EXPERIAN and XXXX and as of today no resolution. Please comply with my request. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my Experian credit report : DISPUTED ACCOUNTS 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 2017-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I had a savings account with Capital One ( ending in # XXXX ) .This account was titled in .my trust. On XXXX XXXX, I saw on their site there was a higher yielding rate. I called and asked if I could get the new rate. The gentleman said yes. He transferred the funds to the new account. 
I never received a written monthly statement subsequent to the conversion. I went online, and to my shock, I see that the newly established account was in my name and NOT TITLED IN MY TRUST AS THE OTHER ACCOUNT WAS. I called in several times and they informed me they do n't open up new trust accounts. I explained that their person NEVER informed me of that and on his own changed the title of the account. 
I have called back on three separate occasions and have not received an answer. They claim that the department I am speaking to does not have the authority to deal with this problem, nor do they have the ability to contact directly the department that has the authority, they merely send an email to the other department. The other department allegedly gets back with me. This changing of my account title, done without my consent, I believe, is illegal and done without my consent. I told Capital One to listen to the recording of the conversation of XXXX XXXX since they inform the customer that they record every conversation. 
This has been a bad experience, and the bank has not made a decision regarding their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I 've contacted every single month since XXXX XXXX to now and no one not even XXXX XXXX XXXX can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that XXXX XXXX has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining 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 2019-08-06
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: Account information incorrect

Complaint:
Company is reporting incorrect information to the Credit Bureaus. Company is stating that there have been some recent missed payments in which it has not. Company has either sold this debt or refusing to correct this information with the Credit Bureaus. 


The account is more than 6 years old. There are 365 days in a year. THERE HAS NOT BEEN IN RECENT ACTIVITIES MADE ON THIS ACCOUNT. 

The company should not be reporting false information to the Bureaus. I have documentation that will be attached to this compliant showing that this company has reported incorrect information more than one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: WI
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:
I sent a letter to Eqifax Credit Bureau XX/XX/2019, asking them to remove a bankruptcy from my credit report because it's against the law to report this information they obtained by a third party known as XXXX XXXX. They're response was they verified the information and refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXX XXXX  not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX for a debt i did not authorize, sign or even know about.

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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Per request, XXXX account was closed on XX/XX/XXXX. TransUnion and XXXX account is currently reporting as past due as of XX/XX/XXXX. ( See attachments reflecting both CRA 's reporting incurrent information. ) A closed account can not be reported as past due, delinquent or late. This inaccurate information is causing harm to my reputation.

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 2022-04-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I thoroughly observed my credit report recently and noticed my personal information was inaccurate. I sent letters out to the XXXX credit reporting agencies asking that they update my personal information. I sent my first round of request out XX/XX/2022 and the second round request XX/XX/2022. I have yet to receive any type of correspondence from any of the credit reporting agencies. I asked if they would only provide my current address and remove all other non applicable addresses as well as phone numbers, employment and the way my social security number is displayed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: MAJR Financial Corp
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX XXXX  / XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX  / XX/XX/XXXX XXXX XXXX to XX/XX/XXXX XXXX  / XXXX to XX/XX/XXXX XXXX  / XXXX  Missing I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: LEXISNEXIS
State: IL
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:
" XXXX Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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:
This is a final complaint in regards to the multiple prior complaints on record which I filed with CFPB and numerous complaints of disputes via direct mail USPS for dates XXXX Present which remain entirely unresolved. 
Let this be seen by CFPB as a consistent trend by Equifax to ignore their legal obligation to consumers. I have retained the Legal Counsel XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida. 
Notice of intent to sue for not adhering to FCRA rules and regulations as a Credit Reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
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: Account status incorrect

Complaint:
I 've contacted every single month since XXXX XXXX to now and no one not even XXXX XXXX XXXX can even solve them. They said they can not fix their errors. I asked them to repair my report and they could not solve it. 

I 've contacted credit bureaus and they said that XXXX XXXX has to request removing my late payments off my account and XXXX did not remove them as I requested. I spoke to more than 30 representatives and nothing solved. I am very upset to their ruining 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