BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: LEXISNEXIS
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom this may concern, Ive reached out to Lexis Nexis and got a letter saying they do not have anything on record. As of XX/XX/XXXX. 
XXXX gave the same response as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AMSHER COLLECTIONS Services, did not verify information that was obtained or validation of account as requested from a letter that was sent to me on XX/XX/2018 from this collection agency 's attorney. The letter advised me that if I dispute these charges to notify them within 30 days. I did notify the attorney to state that this was inaccurate. Instead the collection item was placed on my credit report as of XX/XX/2018 ANYWAY. 

This caused tremendous damage to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX a credit card was opened in my name from my phone, I did not open this account nor was it authorized to be open. My wallet came up missing a few times but always came up my truck window was broke around that time I forget being a soccer dad a lot of moving parts leave my wallet on the seat a few times. I think someone stole my information because I had no cash either time but my social and driver license. I had no knowledge of the until recently I joined XXXX XXXX. For over two decades my brother has use my name his aka is me. Please help with this manner I have had a lot of fraud on my account over the years. Also on XX/XX/XXXX fraudulent charges occurred from XXXX. On the date this card was open from my phone there were many people over at where I live visiting friends and family many people used my phone all my personal info has been compromised etc. People have stolen my money wallet phone etc. over the years. I have XXXX XXXX. and XXXX   from all the abuse. I have been XXXX twice from him using my name and stealing my identity mailing court paperwork to his home address. I have given you possibilities please help me with this manner this is not my account. My information has been out there for a while. I disputed with all agencies and then XXXX deleted it but then it came back as a collection. Didn't understand that? 

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a prepaid XXXX gift card which advised that if I wanted to use it online I needed to register online. I attempted to register the card and system advised me to call the card center. I was instructed to upload a picture of the front and back of the gift card and a picture of my driver 's license, which I was hesitate to give a picture of my driver 's license, but was told they wouldn't activate or reissue my card with no official government I.D . I followed all instructions, including uploading the required documentation and when I clicked submitted, I got an error notice and was told to do it all over again, which I did and got the same error notice. Now the website tells me to call the card center again. 
This is an arduous process in which it appears to be a deterrent by the card company to make the process frustrating and time consuming so the gift card recipient never uses the card, thereby allowing the card company to keep the money. 
This is far from the only time this has happened to me, as a matter of fact it happens quite often and this time I decided to make a complaint.

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 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have disputed the late payments on this XXXX/XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have an auto lease with GM Financial that I opened last year. I have always had problems with them billing me the correct amount each month. Now, I have noticed that they have not been updating this account on my credit report correctly since last XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got divorced XX/XX/XXXX as part of the mediation I was awarded the house. I was to refinance the house and my ex-wife was to receive XXXX  dollars upon new mortgage. She signed a quick claim deed and waved all rights to the home. In the refinance I was to pay off the old loan which I did so her name is off and the new loan only in my name.

I closed on the new loan with 3rd federal on XX/XX/XXXX. The old loan was paid off within a couple of days and I was sent a escrow check with My name as well as my ex-wife name on it. I called up to complain since I have no idea were she is and no one that we new has heard from her.

They said they would re issue the check only in my name. Another month went by and I got another check made out in both our names. So I called back and asked to speak to a manger. They told me they would reissue the check only in my name. I didn't receive a check so I called again and they told me the check was sent out and was in both our names again. So I asked to speak to the manager. They told me the check wasn't sent out.

Now they connected me to another supervisor and they said if I sent in my mediation papers plus the signed order from the judge and the quick claim deed they would issue the check only in my name. So I did that that the week of the XX/XX/XXXX.

I called today XX/XX/XXXX to verify the status of my check and they gave me the same story that it could only be issued in my name.

I have no way to get in touch with my ex so they told me to reach out to her family. Well her family consist of her XXXX  year old mother in XXXX who does not speak English and I have no phone number. So basically they will just attempt to keep my escrow.

All the money in the escrow account was my money. My wife left in XX/XX/XXXX she did not pay one penny into the account in which the mortgage payment was paid out to loancare.

Also when they had XXXX of my money they did not pay my flood insurance on time and my homeowners insurance on time so both were canceled for non payment. They also dragged the heels on paying the taxes until I called up. All the time sitting on my money that I paid in.

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 2018-10-18
Company: EQUIFAX, INC.
State: OH
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 an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX XXXX even had the right person or the proper account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TD BANK US HOLDING COMPANY
State: MO
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:
TD Bank revolving account on my credit file ( XXXX ) shows as negative for the mo and year of XX/XX/20 and under bankruptcy petition. Bankruptcy XXXX ( XXXX district of MO ) discharged XX/XX/20. Numerous disputes, nothing changes. After automatic stay this lender also has sent me collection statements more than once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: AmerAssist A/R Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a debt collection from XXXX XXXX for my daughter 's XXXX work. XXXX XXXX 's written materials and verbal communications state that they will bill insurance. I provided that information on more than one occasion and was told they couldn't verify. This includes a generic email that I received on XX/XX/2022. Last year, both general dentists and my son 's oral surgeon verified and submitted claims to my employer -based XXXX XXXX XXXX XXXX XXXX plan, which includes XXXX  coverage, without any issues. Those providers also received payment. Additionally, I gave XXXX Direct my health FSA card for any costs while they were figuring out my insurance, and they never updated my payment method. Instead, they continued to charge the original debit card. Now, XXXX XXXX added fees and sent me to collections requesting payment in full, but we did not receive services and products in full. Without the final services and XXXX my daughter 's teeth moved back to exactly where they were when we first started. I filed a dispute with the credit bureau, and they just asked the collections company to send me a copy of the original contract. They never addressed my actual dispute. I reached out to the collections company XXXX, and even though they are now aware that this was sent to them inappropriately, they said they " couldn't '' do anything and referred me back to XXXX XXXX. I then called XXXX XXXX who would not connect me to the collections department, questioned me about why I hadn't called them to keep updating my payment card since they often have " systems issues '' and finally agreed to escalate my call to their collections department internally and some one would get back to me. As I told her, XXXX XXXX is a scam, looking for cash, not rendering the services and products in full, tacking on fees or getting write offs by working with some unethical collections company. I'm also very disappointed that credit bureaus are not required to actually follow-up on disputes, but, rather are permitted to just have the company that is being accused of reporting inappropriately to send a generic letter. Apparently, that generic letter was accepted as proof that I owe this bill without thought it question.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX  XXXX even had the right person or the proper 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 2020-11-25
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Homeside, DBA XXXX continues to push back closing. Appraisal is nearing expiration with no end in site. Please close or refund appraisal We applied for a refinance on our Mortgage on XX/XX/2020. Shortly after, we were given the expectation of closing in XXXX by being explicitly told not to pay XXXX and XXXX mortgage payments. XXXX came, and it took several attempted contacts to get ahold of our loan officer to find out that we needed to pay XXXX as closing wasn't happening anytime soon. I didn't like being lied to, not having honest expectations delivered up front and having to practically drive to their XXXX location in Ohio to get information on my loan application. Further, in reaching out to place a complaint with customer service, I was appalled to get a nasty message from my loan officer denying he had made any instructions ( again, in writing ) about when to expect closing/ not make mortgage payment. I asked to be assigned to a new loan officer. Since then, the new loan officer has checked in, however, yet again, the timelines and information do not match up. We were in submitted on XX/XX/XXXX per an email, and now are in submittal today, XX/XX/XXXX. We were to expect closing in XXXX, and now today I am being told closing will be in XXXX. Further, I find out from another lender that the appraisal we have can not be used after XX/XX/XXXX. Per XXXX XXXX online reviews, it appears the company makes a habit out of drawing out closing for months at a time, then denying the loan after the appraisal expires. This simply will not be accepted without litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
XXXX, XXXX and equifax keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
When I reviewed my credit report, I noticed that there was information that was erroneous on my Transunion report so I reached out to them about this issue. They claim to have updated some of the information, which they did not and they never investigated the information that I actually disputed. They never validated the information and they failed to remove the items. They are violating my rights to an investigation and my right to have the erroneous information removed from my credit report. The FCRA says that I have the right to dispute it and they must remove anything that is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Firstly, I am impressed with the ease of using your website to file this complaint. Thank you. 

Second, I must apologize for my selection of categories for my issue because none of the categories accurately reflect the nature of my issue. 

Finally, on XX/XX/2019, PayPal delivered a Notice of Policy Updates. The Notice indicates that I will need a " balance account '' linked to my current PayPal account due to " a new regulation issued by the Consumer Financial Protection Bureau in Washington, D.C. coming into effect on XX/XX/2019 ''. 

After an hour or so of searching the CFPB site as well as the broader Internet for " balance account '', " PayPal Cash '', " cfpb cash account '', " cfpb paypal '', etc. I have only come across one article describing a consent decree resulting in a $ XXXX settlement, which unfortunately has nothing to do with this " balance account ''. 

Additionally, due to my limited literacy in financial legal terminology, I must concede that I am left with the impression that PayPal may have taken some obscure ruling of yours to automatically open an account for me ( " PayPal Cash '' ) without my active consent by the wording " If you agree to these changes, you dont have to do anything. ".

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX XXXX financed through Santander. In XX/XX/XXXX I got into a car accident and the car was totaled. I had full coverage insurance through XXXX as well as GAP insurance purchase at the time I purchased the car. 

XXXX paid for the car as well as GAP insurance. After GAP paid Santander reported to the credit bureau I still owed a total of {$4000.00} and continued to report the car as past due then on to a charge off. 

I never received anything from Santander explaining the balance owed or why there is a balance. Ive reached out and have not been able to get an answer as to how I owe a balance after auto insurance and GAP insurance covered the car. 

The account is still reporting incorrectly, monthly as a charge off updated XX/XX/XXXX which is resetting the time allotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2021-05-06
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: Information belongs to someone else

Complaint:
I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted XXXX XXXX  and experian regarding this and i was told to get an FTC report. None of these accounts listed are related to any transaction done by myself.

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