BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to receive an insurance quote from XXXX on XX/XX/2020 and there were items listed on one of my consumer reports/C.L.U.E/Lexis Nexis reports that are not associated with me or my name or my driving record. I already ordered a hard copy of my CLUE  report and contacted the DMV/MVR and confirmed that these reports are not associated with my name or with my driving record. I have a very common name and I am sick and tired of predatory companies forcing incidents/reports onto my record when in all actuality they are not associated with me at all. I received an email from my insurance company today, XX/XX/2020 stating that they removed the incidents from my record but Lexis Nexis added them back again. My insurance company and Lexis Nexis can clearly see that this is a totally different person. The only explanation that was given to me, is that me and this other person have the same first name ; XXXX. That is an unacceptable explanation. I was also provided with the name of XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am not affiliated with any of these people or companies. This lack of proper reporting has impacted me financially and should be illegal. I have been a resident of Wisconsin my entire life. XXXX XXXX XXXX does not even provide services to Wisconsin residents. I have not been able to verify XXXX XXXX XXXX XXXX or find them online. I have personally contacted all parties involved asking for an explanation and dispute the report. XXXX is affiliated with the XXXX XXXX XXXX How can this unfair and unsubstantiated reporting practices happen to people? What is the explanation? This is financially and mentally impacting my livelihood. I am disgusted with Lexis Nexis and there inability to correctly report information. This is fraud and should be illegal. I will be taking additional action based off of my rights as a consumer through the Fair Credit Reporting Act. This type of practice is illegal and only serves the interest of multi-million dollar companies fraudulently reporting to increase their profits at the cost of the consumer. Sad to say ... ..but this is the American Way!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Last year approximately XX/XX/XXXX I paid Mariner Finance a lump sum payment of around {$3100.00}. This was for the purpose of paying off my loan. I considered the matter closed. However, it has come to my attention that there remained a balance of {$87.00}. Now they insist that I owe them {$540.00}. I was unaware that the amount did not match the payoff. I have talked to them at length regarding the issue. I received no emails or regular mail regarding the issue. They claim everything is done with paperless billing. I never set up a paperless billing account?? They have acknowledge that it appears my intent was to pay the loan off in fullbut are telling me my only option is to pay the {$540.00}. I asked why this wasnt reported to the credit collection department and they said because I was paid up till some time in XXXX! So, the account is actively open, Im not late, and no payment is due till some time in XXXX?!! 
THIS IS SOME SHADY LENDING!! PLEASE HELP ME!

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 2019-01-17
Company: ONLINE Information Services, 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:
Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; XXXX, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the Better Business Bureau and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2020-06-30
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:
THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX/XXXX XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks --

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Santander Consumer USA Holdings Inc.
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: Investigation took more than 30 days

Complaint:
DEAR SANTANDER CONSUMER USA & ALL CRA 'S ; I've attempted several times to ratify the issue with the Santander consumer usa and credit bureaus and they still reporting inaccurate, unverifiable information and misleading. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid - How is that even possible? If you see the attachments you will notice that the account status was never updated, inconsistent with payment history and they've failed to provide detailed information about this account such as transaction history to see the breakdown of the payment and how it was applied. What is the 1st dates of delinquency ; why didn't dates of last active. Well, it's impossible that thi account can be justified as accurate or even verifiable under the consumer laws especially section 609. SORRY FOR SO MANY INACCURACIES, INCONSISTENCIES, MISLEADING AND INCOMPLETE INFORMATION AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is in regard to my previous claim : XXXX Bank of America has wrongfully handed in my claim and has denied my dispute within the legal timeframe. I had not received the item I purchased from XXXX through my debit card from Bank of America. I opened the claim within 1 week and they denied it as they relied on a fake claim from the delivery service. Then they said I have missed the claim window. Now, they are saying I have to solve this with XXXX XXXX. It is not my job to deal with XXXX XXXX or delivery service ( XXXX ). It is Bank of America 's job to safely keep my money and be fraud-free as they had promised at their initial account opening. 

You have to revive my money XXXX and put it back in my account. Bank of America is responsible for my loss of XXXX. YOU HAVE TO give my money back.

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 2020-10-12
Company: EQUIFAX, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a certified letter of dispute regarding unauthorized inquiries on my credit report. After not having received a response within 30 days, I then filed a dispute online regarding the inquiries, as I recently noticed there is an option to do so on myequifax.com. When submitting my dispute, the second step is " uploading of documents '' however that second step is not a viable choice. After selecting " next '' it skips over that step entirely because that is not actually an option. I submitted the same dispute 2 times, the first on my phone then on my lap top. In both cases I was not given the option to upload a document. I then decided to follow up via phone, on XX/XX/2020 at roughly XXXX, after not having been able to submit my documents. When speaking with the representative from Equifax I was told that I was not able to dispute the inquiries with Equifax, over the phone or online, that I had to contact the lender directly. I then stated I already had contacted the lender and that I do have the ability to dispute any item on my report that is not accurate and they are legally bound to investigate. She stated Equifax will not investigate inquiries. I then asked her why t is there an option to dispute an inquiry right on their site, yet she is telling me the complete opposite, they will not investigate? She kept repeating I have to contact the lender. I then went on to say never mind I'm getting the run around, that I would just file a complaint and that I now wanted to know how to repair a line of credit and the apparent transmission error that is occurring, the lady then hung up the phone. So it has been ore than 30 days since I disputed the items. The first by certified mail and online twice. I never received a response until today at which point I called to inquire about uploading documents, and was told Equifax would not investigate, although the option to dispute them is right on there site. They also claim to have investigated an account of which I reported a now XXXX balance, the outcome did not change my report as it should have. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: MIDFIRST BANK
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Had an insurance claim check sent due to hail damage, paid {$8000.00} out of pocket to get repairs done before snow. Confirmed with multiple reps we have all required paperwork, sent endorsed check, insurance estimate and proof of completion by contractor. Had the paperwork tracked, they received paperwork on XX/XX/18. Waited 10-15 days for processing for check to come in the mail. Finally grew impatient and called only to find out they left messages for insurance company to call them back to confirm damage. We contacted insurance company and they verified no contact with them had been attempted. Called XXXX XXXX  back to prove direct phone number of our adjuster to be told they will try again, call back in 3 days to allow more time to call again. Called again following week that they are missing paperwork and have not called insurance company. Approximately 7 calls later finally speak to someone who stated they only need me to verify type of damage and now we need supply list of additional work needing to be done. We get a supply list, email it to them on XX/XX/XXXX, call on XX/XX/XXXX to be told wait 2 more days to process. Called on XX/XX/XXXX to find out they didn't receive the email even verifying address was correct. Forwarded email directly to loss claim rep and still no response. This has been 45 days now with continued " processing '' with no resolution in sight. 
XX/XX/XXXX paperwork received, XX/XX/XXXX paperwork processed, XX/XX/XXXX letter sent more paperwork needed, XX/XX/XXXX postdate of letter, XX/XX/XXXX letter received. XX/XX/XXXX additional paperwork sent, XX/XX/XXXX nothing accomplished.

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 2020-12-15
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I went to deposit a XXXX dollar check online at XXXX around XX/XX/XXXX. The check never went through on my end but they still took the money and have not returned it. They stole this money and will not give it back. 
I want my money back immediately and have called them many times. 

Suntrust bank is a 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 2018-02-23
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We had an over draft of XXXX and received XXXX in fees which id over a 500 % intrest. The online tools where not functioning and they acknowledged they were not but said they cant do anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17
Company: LEXISNEXIS
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:
On XX/XX/2018, I sent a certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. In this letter, I requested that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/2018, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This is false information, being that I received a letter from the Bankruptcy Court stating that they do NOT perform any activities with the credit bureaus. Then on XX/XX/2018, I received another letter saying that I requested them to initiate a dispute on my behalf with XXXX, XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response I received from LexisNexis, they have not only violated federal law, because reporting per FCRA should be 100 % accurate, but they have failed to properly provide any viable evidence, bearing my signature or showing the account is being reported accurately, which is what I initially requested. I have attached evidence to support my complaint. The entry is inaccurate and unverified so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus - XXXX, XXXX, and XXXX, being that LexisNexis is who reported the information to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have never had an account with the XXXX XXXX bank. There have been numerous phone calls contacting them and they have confirmed that no such account ( XXXX ) have ever existed with them. They sent me a letter indicated that it would be removed from my credit report yet ; it/they are still being reported. I would like the accounts they or someone created, removed from my credit report. Also, there was an account with XXXX XXXX that was paid in full and is now reflecting a zero balance but is being reported as a charge off and not as paid in full. I was told by XXXX credit, XXXX, and provided written verification that the account was paid but they are indicating that it is being reported as a charge off by the original creditor which is comenity bank even though it was paid. It's is just a lot of run around and I keep being told by the companies ' representatives to keep disputing these items with the credit bureau and the credit bureaus just don't remove them ( even with written proof ) or they remove them and put them right back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: EQUIFAX, 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:
This is in response to complaint number XXXX, filed against XXXX. XXXX  seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that XXXX  is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. XXXX  HAS NOT followed the law according to the FCRA by sending me this validation. Yet XXXX  only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: WI
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:
The debt was taken care of with the property management XXXX XXXX XXXX of XXXX XXXX Texas in XX/XX/XXXX and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by XXXX collection agency. I called XXXX and told that debt was paid and they contacted the company it took XXXX 2 months to update to my information to state I do not owe any money to either XXXX XXXX XXXX or XXXX. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.

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 2019-10-22
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was taken a look at my credit karma report and I see a collection debt account for {$330.00} from RBC for XXXX XXXX XXXX I have no knowledge of this company account with RBC or any radiology taken in XX/XX/2017 This is only collection account on my credit report and i would like it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: ENCORE CAPITAL GROUP 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:
after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act number unknown

Company response to consumer: Closed with explanation