BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) operated by LexisNexis is reporting incorrect information concerning my driving history. XXXX provided the XXXX Report reference number XXXX. 

XXXX is incorrectly reporting me as having been in two accidents in XXXX. I haven't been in any accidents in at least 20 years. This incorrect information is costing me approximately $ XXXX in insurance rates. 

I attempted to contact XXXX/LexisNexis at the telephone number provided by the insurance company and their web portal, and finally through another number. 

The web portal and automated voice number provide no option for disputing an incorrect report. The web portal only permits you to request a USPS letter that will allow you to THEN request a copy of your information. There is no option to initiate a dispute. 

I finally spoke to a representative using another number on XX/XX/XXXX. After taking my personal information she explained that she was unable to access my information or to initiate a dispute for me. My information is stored with a special group that she was not permitted to tell me the name of. She could not provide any contact information for the group or information as to why my information was not available. 

I have also sent email to XXXX/LexisNexis, but have not received even an automated response. While this has not been going on for a long time, I do not see any reason to think that the company even has a dispute resolution process that could result in my information being corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
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 filed bankruptcy chapter XXXX 10 years ago. I tried several times to dispute in writnging and with phone call to delete this on my report. I sole to new haven, CT Courthouse and they said they do not report to bureaus and yes it should be taken off all three of my reports. Equifax just updated my bankruptcy and said, it was updated and the Court never updates they told me. I would like this to be removed on my reports and I just feel your my last hope as I stressed myself out enough while trying for a long while to have this taken off my report. Any help would be appreciated. Thank yiu

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I CAME HERE TO FILE A COMPLAINT AGAINST ALL 3 CREDIT BUREAUS ON BEHALF OF MYSELF BECAUSE THEY HAVE BEEN WILLFULLY NON COMPLIANT WITH THE FCRA LAWS IVE ENFORCED UPON THEM. I'VE KINDLY ASKED THEM FOR MONTHS NOW TO SEND ME FULL NECESSARY VERIFICATION FOR EACH ACCOUNT THEY HAVE SHOWING ON MY CREDIT REPORT. UNDER FCRA 809AB LAWS, THEY HAVE NOT FOLLOWED THOSE VERIFICATION GUIDELINES, UNDER 609A LAWS THEY HAVE NOT PROVIDED ANY ORIGINAL DOCUMENTATION WITH THESE CREDITORS THEY'VE LEFT ON MY REPORT, THESE ACCOUNTS ARENT EVEN MINE. THEY HAVE BEEN DAMAGING TO MY REPORT SO IVE ASKED THE BUREAUS TO DO THE APPROPRIATE DUE DILIGENCE WITH VERIFYING OR DELETING. AND THEY CHOSE NEITHER. SO UNDER THIS SURVEILLANCE, I EXPECT THEM TO NOW DO THE RIGHT THING IN DELETING THESE ACCOUNTS I HAVE LISTED ON THE ATTACHED DOCUMENTS.

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 2017-07-31
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX XXXX on XXXX XXXX, 2017, that was advertised for {$5900.00} however I am being charged double and the down payment was {$500.00} however the dealer lied to the bank in order to get a sale that the down payment was {$1000.00}.

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 2017-12-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I FINALLY FOUND OUT THE TRUTH! In XXXX I was approved for a loan mod with Chase Bank. I completed making my 3 trial payments to Chase and in XXXX of XXXX I call ; ed to make my 4th payment and Chase told me I was transferred to XXXX and that I would have to call them. I called them and they said that I would have to start the mod process all over again. I was DEVASTATED!! I tried to get the mod through XXXX but their system is slow, unorganized and unpredictable. They tried to utilize the NPV tool and input my wrong income. I sent them a pay stubs making XXXX per month and they input I was making XXXX per month and denied me because of income. On another occasion they stated they did not receive documents from me, however, I sent them every document they asked me for and I have records of me sending all the docs, timely. 

My real BLESSING came last week when I called XXXX to plead my case and see if I could short sale instead of foreclosure. I spoke to XXXX in customer service. She opened the file and blew it apart. She went back to XXXX when the file was sent to XXXX. She read all the notes and found that Chase did not send the mod package to XXXX so they had no record of it. Furthermore, she found that by the time XXXX recieved my package was in XXXX and the docs for the mod had expired. That is when XXXX stated the docs were expired and because they did not have my signature they were not going to honor my mod. IT TOOK ME 4 YEARS and a girl named XXXX to finally help me. I had no idea what the issue was. I am asking that Chase and XXXX honor my modification and apologize for the inconvenience they have both caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company regarding incorrect charges on XX/XX/18. The company received my disputes on XX/XX/18. via certified mail. It is now XX/XX/XXXX and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2020-06-24
Company: EQUIFAX, INC.
State: DC
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
These inquiries are not related to any transaction made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX fraudulently falsified documentation to put charges on a victim of identity fraud. I was the victim of identity fraud, and sometime around XXXX. 
A couple years ago ( XXXX ), I discovered that my identity was fraudulently used, and someone had opened and charged a credit card account under XXXX XXXX for an amount of {$550.00} ( actually, it appears someone had tried to open many accounts under various banks ). I contacted all the banks that the thief had attempted and/or succeeded to open accounts and warned the banks. When I contacted XXXX XXXX, they notified me that XXXX was the company that handled the account in dispute. Thus, I contacted XXXX, and I informed them of the situation. XXXX indicated that they needed my information so they may further send me the information for filing a complaint. Thus, I provided my address, and XXXX submitted the letter for me to file a complaint. Though, when I followed-up about the complaint weeks after, they indicated that they had my address all along. Though, if so, I would have received the charges ( which were done since XXXX ). Though, when I asked them what was my previous address or any information about the account, they would not provide, which should not be a secret since it supposedly was me. Thus, I suspect that the XXXX was as guilty in falsifying documents to align my actual information to theirs. 
A few months later ( XXXX XXXX, I submitted an official complaint of the stolen identity with the local police department ( XXXX, MD ). 
I notified the credit agencies, Experian, XXXX, and XXXX, and two of the three agencies record me at fault without any explanations : Experian  and XXXX. 
These companies did not perform their due diligence to ever confirm the identity fraud.

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 2021-03-29
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My daughter had her own student loans to cover her education. One semester she was a little short so I applied for a parent-plus loan to cover the small amount she needed. No where on any of the paperwork did it say my parent-plus loan would become the primary funding source for the remainder of her education. I amassed over {$30000.00} in loans without my knowledge. I complained and sent them copies of their own web site pages pointing out that it never told me I would be the primary funding source. I expected to be a small over-flow source for books, etc. It was unfair and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Capital One False Reporting. Debt has been charged off and agency is making derogatory remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Professional Medical Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i noticed this account on my credit report and immediately sent a debt validation letter on three separate occasions and this company has yet to respond to my request. i am so overwhelmed because they are destroying my life. i don't know why they are ignoring me, i am trying my best to resolve this issue. I do believe that this may possibly be an account that some how ended up on my credit by accident. i believe i have some rights to confirm that info. which is why i have been doing my part and giving them an opportunity to show proof. but i again am still being ignored, this is unfair to me and my family. i have very important things to take care of this year and i am very responsible but they are reporting irresponsible info that is damaging to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Riverwalk Financial Corporation
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have ask numerous time for the credit Beurus/ Collection Agency to Show proof as this being my account as the FCRA requieres. With no success this account does not belong to me. Unless it can be proven otherwise I need this account deleted. XXXX/XXXX deleted the account as the collection agency did not provide proof as requested but this account continues to be in my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Harley Davidson Financial Services Inc
State: TN
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:
On Thursday XX/XX/XXXX, I called Harley Davidson Financial Services. I paid XXXX  dollars to bring my account current. I received a call XX/XX/XXXX. I returned the call at XXXX XXXX  and was told the vehicle is still up for repossession after bringing the account current. I am told this morning the vehicle is up for repossession for this month 's payment which I still haven't received the statement for. They attempted to strong arm me while on the phone telling me that it they may take off the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The options in the previous section were not specific to my complaint. Midland Funding is the collection agency who apparently purchased a charge off from XXXX XXXX XXXX  in XX/XX/XXXX which was {$300.00} and is now {$630.00} as I pulled my report today and saw it reported to all three bureaus. I called Midland Funding to discuss the debt as I want it off of my credit report so I called to discuss options and I was told that they will not speak to me about the account because I submitted a cease and desist letter in writing to them in XX/XX/XXXX. I told them that I do not recall doing so, that I disputed the account on my credit report but that that was not a cease and desist request. After speaking to a manager I was told that I had to fax in a letter removing the cease and desist and acknowledging the debt and my identifying information and that then I could call back in 3 days to 10 working days to see if they could now speak with me. I explained that even if they had received a cease and desist letter from me that that meant they could not contact me, but not the other way around, that I certainly have the right to contact them about what they are reporting on my credit. I was not heard and was told again to send the fax if I wanted to discuss any options. I feel this is a violation of my rights and they are using deceptive tactics so that they can go back to harassing me and starting over a statute of limitations on how long they can continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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: Problem with personal statement of dispute

Complaint:
I paid my XXXX XXXX XXXX fully for the credit report showing delinquent on this account and on my credit report. I want this fix immediately because the report is a false statement before i get attorney involved. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: NJ
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. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or around XX/XX/2019 I called Citibank to inquire as to why my credit account was not updated for the month of XXXX. Upon asking why it has not been updated I was told it was because of having a {$0.00} balance that they are not required to update, in essence keeping the last update months behind and that is not transparent or factual when it comes to keeping my disclosure current. I called again on XX/XX/2019 and spoke with XXXX and as I explained or at least tried to, she mid conversation cut me off and said her manager has just told her that she would update my account with the Bureaus. She lied, today is XX/XX/2019 and contacted Citibank again and was told that if I could not fax or mail a copy of my financial disclosure that they could not help me even when I explained to them that I am XXXX and dont have access to a Fax machine or copier to be able to start a dispute with them. Upon me telling me that I couldnt meet those expectations I was told to dispute with reporting bureaus or Cfpb. So here I am starting an investigation to accomplish something Citibank could have done with a few keystrokes. The lack of empathy and general concern for their customers is astonishingly Absurd. In conclusion, all I want is for Citibank to update my disclosure every month.

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 2018-06-05
Company: Experian Information Solutions 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:
To whom it may concern, lately, I checked my credit report and since I do not do it very often, I was shocked to see unverified, inaccurate and false accounts on my credit report reported by two collections agencies XXXX XXXX and XXXXXXXX XXXX. I contacted all three credit bureau ( XXXX, XXXX  and Experian ) and they all sent me a letter telling me that these accounts meet the requirements the FRCA. How is that possible? I wonder myself. For two, I had all types of troubles getting credit and getting service and I did not know that the reason I was going through so much trouble was because the credit bureau were colluding with these two collection agencies. 
I sent them letters and XXXX  did not even bother to reply to my dispute. I sent two validation letters to the collection agencies and it is still pending. I see no movement. 
According to established state and federal consumer protection laws, they are required to verify all accounts you post onto a credit report, and to make the information you have used to conduct this verification available to consumers upon request. Since, they said that everything is verified, it is my right to ask them to provide me with the information you have used to verify these accounts, namely, the original consumer contract with my name, signature and other identifying information on it which pertains to each negative account listed 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 non-monetary relief