BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: LEXISNEXIS
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for medical leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, AE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a capital one credit card such that I am having difficulties paying the credit card off as I am experiencing extremely high interest rate of 29.99 % I have been a capital one credit card customer for about 10 years. My monthly interest rate alone is over XXXX $ a month. It makes it impossible to pay the credit card off. I called today to ask for a lower interest rate. The service rep placed me on hold for over 10 mins than communicated to me they can not provide a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Real Time Group, Inc.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter on the XXXX of XXXX in relationship to a second mortgage that was discharged in Bankruptcy. The Bankruptcy was discharged XX/XX/XXXX of 2015 and while the letter indicated that the debt may no longer be owed in the event of a bankruptcy it is still a demand for payment regardless of the legal language. 
I reached out to the company numerous times on the XXXX to avoid having to file a formal complaint but I couldn't get any one on the line. I spoke with a XXXX along with other reps who did their best to help but the file was with the Bankruptcy department indicating to me that they where aware that a bankruptcy was filed and and discharged which would make this a breach of of section 524 title 11 of the bankruptcy code.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an old XXXX XXXX account being reported on my credit report. They Claim I made a payment on XX/XX/XXXX of XXXX, I have no recollection of this debt or making any payments on that specified date. I called to get as much information as I can about this debt and I found out this debt has reached its statute of limitations. However, the credit bureaus have done a really poor job investigating this account and getting back to me. The company reporting this debt is Portfolio Recovery, they're reporting this debt to XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax won't allow me to freeze my account. I went online the week of XX/XX/XXXX to create an account on their site so that I would be able to freeze the account. They said they couldn't verify my identity and they would mail me a pin so I could log in. On XX/XX/XXXX I received the pin by mail and went online to complete the freeze. The site said I have to call them. 

OnXX/XX/XXXX I was on the phone with them and tried to get a login and/or freeze my account but they are saying they can not do it because they do not have sufficient information about me. The reason being that I never took out a loan -- this is exactly the reason I am trying to freeze my account, because I want to protect my credit score. But they insist that they won't help me unless I fax them a letter, including a copy of my social security number and my passport. I had to speak to 3 different people and get bounced around 4 times on the phone. 

The other two credit bureaus allowed me to place a freeze in a matter of 3 minutes. I refuse to share such sensitive information with a fax number, the receiving end of which I don't know, and which offers ZERO security. Equifax is discriminating against individuals with flawless credit, thereby opening them up to further fraud threat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was called by Wells Fargo and offered a plan during COVID 19 hard ship to have the money owe on my mortgage applied to the end of the loan during the forbrsbance now they want the entire balance at once. After the forbarence and I was told it would be put on the end of the mortgage now Im get bill they want it all at once. Wells Fargo called and offered me the program I ask the question will this be due all at once they said No it will go on the end of the loan now they are wanting it all at once they called me and offered the program Wells Fargo have set people up to loose their homes

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 2022-08-09
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:
Despite being coded as " affected by natural disaster, '' XXXX XXXX continues to report my satisfactorily paid vehicle loan as delinquent in XXXX and XXXX of 2018. I complained to XXXX XXXX and they advised they would fix the problem. To date, this has not been done and I continue to suffer because of this.

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 2022-08-09
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MD XXXX To WhXXXX XXXX XXXX XXXXcern : I received a copy of my credit report with the intention to trying to improve my credit and take care of mu reasonability and noticed an account I wanted a little more explanation on. I am just saying that I am not 100 percent sure if it is accurate. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you to you all. 

Are you familiar with something called 15 U.S.C.Sec. 1681i ( a )? I heard that if you can't provide proof. these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent correct. So, could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you had 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or correct on them. 

Account : Account name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Number : XXXX Please investigate, if every piece of information is correct. If not, please remove it from my credit report. 

Thank you for your time and help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Sterling Infosystems Inc.
State: MA
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: Public record information inaccurate

Complaint:
The company I apppied to ran a background check and the report came back and it 's showing me as a level XXXX XXXX offender. I 've never been charged with any such crime or ever been documented or listed as any kind of offender. Also shows in the comments, text about Nevada and Oregon both states of which I 've never even been to. This information is definitely inaccurate and embarrassing. I need this information corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 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 2022-11-20
Company: EQUIFAX, 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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: VA
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:
My wife reviewed her credit report and our car loan that we are co-applicants on are showing two completely different payment histories which is IMPOSSIBLE. My wife 's credit report shows 100 % on time payments and mine shows two missed payments. I sent a dispute XX/XX/XXXX and received Equifax 's investigation results this week and the payment history is unchanged. This is a clear discrepancy in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Remitly, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I attempted to send {$6000.00} transfer from my bank account to another bank account on XX/XX/XXXX. I was told by them it would be available for pickup by the XXXX. They received the money from my bank on the XXXX then said they sent it to the other bank on the XXXX. Then they blamed the other bank for not processing the funds. I called repeatedly to fix. Then they put it on hold and said the recipients info was wrong. Then I confirmed with them it was correct. Still no delivery. They they asked me to select another recipient. I did that. Still on delivery. After numerous phone calls and chats. I finally just cancelled the transaction. Horrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: FL
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 report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had a XXXX card charged off in XX/XX/XXXX. I was sent a 1099-C in XX/XX/XXXX. This account is reporting opened and resolving and is still affecting my utilization even though it was canceled. Ive made 3 phone calls to XXXX since the 1099-C to ask to make a payment In full so it stops affecting my FICO utilization. They say it is canceled and there is no way to pay my balance. 

So if the debt is canceled and they wont let me pay how can this balance be revolving utilization?

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 2020-10-16
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hi my name is XXXX XXXX making a complaint about American Express Express Serve card its a prepaid card and the company is about them closing my account their it was a balance of {$13000.00} in it roughly and before that the deposit came to the US Department of Treasury sent over from SS Social Security I am XXXX and they wanted me to have add my rep payee on it but she was already on it as a sub account they told me I write a letter to the corporate which I did and submitted documentation to where it was a legal document from Social Security saying that we XXXX XXXX and XXXX XXXX was on the document help me regarding please help me dispute this because I need my money back since I have a XXXX XXXX and I I'm XXXX  trying to look for place my email is XXXX or can call me at XXXX at your earliest convenience because it is urgent matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
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 had leased a XXXX vehicle and when i returned the vehicle i did a walk around the vehicle with a company representative to show no damage to the vehicle. Later on i got a final bill that said i had XXXX bill do which showed XXXX in damage. I called to dispute it but they never sent me proof of anything. I eventually paid it anyway just because it was easier to do then to continue to fight it. i recently got a home loan and saw that the dealership listed my account as a paid charge off. This account was never charged off. I made my payments every month and even the final bill was paid in a timely manner. It is being misreported as a negative account when it was never a negative account. No payments missed and not a charge off. Please help me to get this removed from the credit bureaus as a negative. I have perfect credit and this bothers me especially since it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-08
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2020 my leased vehicle was involved in an accident which resulted in a total loss of the vehicle. The lease was with Honda Financial Services ( HFS ). HFS was notified by my insurance company of the loss and payment was made to HFS by my insurance company. HFS continued to process the monthly payment on the vehicle for the months of XXXX and XXXX even though they were aware the vehicle was a total loss. The last billing statement I received for this vehicle was in XX/XX/2020. The statement indicated {$0.00} due and I believed this account was settled with my insurance payment.On XX/XX/2020 I received a notice from HFS indicating my lease had expired and I was in default of the lease. On XX/XX/2020 I received a notice from HFS indicating they wrote off my account and sent it to a debt collection company. I tried to access the account on the HFS website, however, all access to this account has been denied and I was referred to Customer Service. When I spoke to a Customer Service Rep and requested to escalate my call to a Manager, I was denied and eventually hung up on. I believe that HFS violated several consumer protection laws in not allowing me access to my account, taking negative action against me without notice and not allowing me to dispute and/or resolve my concerns with the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My Funds are on hold. My funds are always placed on hold pending confirmation of delivery of the item and the following day the funds are supposed to be released. While I never agreed to these terms, Paypal continues to change or create additional and longer hold times that are exceedingly and excessively long. 

The funds for 2 transactions that have been Confirmed delivered, one confirmed XX/XX/2019 and the second XX/XX/2019 have met the terms and for whatever reason these funds are still on hold! 

( I'm attaching screen shots to demonstrate this point ) Paypal continues to Hold funds, and prevent me from conducting business. 
I have a 99.6 % seller satisfaction rate, and no complaints or other account issues, and still Paypal continues to place longer holds, and violates it's own terms for funds being made avail ; able. 

HOW CAN A COMPANY CONTINUE TO VIOLATE THE TERMS IT SETS AND GET AWAY WITH IT? 

THEY CHARGE ME IMMEDIATELY WITH THEIR FEE AND PROCEED TO HOLD MY MONEY! 

I am filing complaints with the FTC, XXXX, and EVERY OTHER AGENCY until Paypal is held accountable for abusing their power and preventing people from accessing their own money! Anybody else did this it would be called theft! 

SOMEONE NEEDS TO INVESTIGATE THIS CORRUPT COMPANY! 
THANK XXXX XXXX IS DROPPING THIS CRIMINAL COMPANY. INVESTIGATE PAYPAL!!!

Company response to consumer: Closed with non-monetary relief