BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Lexisnexis continues to commit securities fraud by continuing to report false information and trading this information with no consent to all three bureaus. They have been asked to freeze account. They are reporting on background false information allegations. There was also an identity Theft report provided to them. So moving forward i will be reporting them to the I.R.S. and since securities fraud may be taking place here i will go through the proper channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: U.S. BANCORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have filed numerous complaints with the 3 credit bureau 's about my State Farm credit card issued by US Bank. US Bank is reporting to them every month that I am over the credit limit. It appears to me that US Bank is selectively ( profiling ) minorities by indicating that I am over the limit to all three credit bureaus. They are selecting what to report instead of reporting accurate account information to the bureaus. 

I have never went over the credit limit on this account. I have made numerous attempts to resolve the issue with US Bank by requesting a status update letter. However, the letter does not indicate the credit limit. 

I do believe that they are not practicing in good faith as it relates to addressing concerns of minority Americans. I believe they are targeting minorities by reporting inaccurate information to the credit bureaus every month. 

I called US Bank and asked them would they tell me the day that my credit card was over the limit or even when I owed {$5000.00} on the credit card, both supervisors that I spoke with told me that I was never over the credit limit.

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 2022-01-18
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans Union, XXXX and XXXX have all been sent legal documents about a collection account on my credit report from a XXXX XXXX agency. These documents prove that this account is to old to be on my credit reports. These documents also prove that the account belongs to someone else. I'm sick and tired of filing disputes with them about this problem.

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 2018-12-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX sold me a heloc creditline forXXXX $ without telling me it was a mortgage, when I found out, I closed it, they charged me XXXX XXXX and it is still on my credit report as being owed and I am making Payments? 
I brought this to their attention, and they responded by telling me I had to find a new bank. XXXX XXXX wrote theletterfromXXXX, California. 
The problem is, as a XXXX, I need 6 months to make the changes with my insurance companies ( especially XXXX ). 
No written email or communication whythis has occurred has even been sent to me! 

I found out later they did this because I paid my home loan down and paid my two lines of credit off., so XXXX said they no longer make money on my account to the assistant branch manager whom told me. They are just trying to sell products, but do not care about the customer and do what they want without regulation.

They are based out of XXXX and do not follow the banking laws of the USA. 
Thank- You,

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 2023-04-25
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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 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 2020-01-29
Company: CIG FINANCIAL LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX I was notified by CIG Financial that they were going to sue me in 90 days if I did not contact them and work out a repayment plan to resolve a vehicle loan that went into Repo Status XX/XX/XXXX. 
I responded and XX/XX/XXXX worked out a repayment plan with XXXX XXXX for XXXX per month and ultimately pay off the remainder amount with the agreement CIG Financial would revise my account to the Credit Reporting Agencies that the account was paid in full on time and remove the charge off/ repo status. 
I have made every payment for an entire year and have called several times to discuss the pay off amount. I have this agreement in writing from CIG Financial. 
My last conversation with GIG was XX/XX/XXXX in regards to setting up the settlement pay off and dates. I thought all was moving in a positive direction. 
Im in the process of applying for a mortgage and it was noted on my XXXX   report that I have a 60 day late payment on my CIG Financial account XX/XX/XXXX and several negative payments noted for XXXX, XXXX, & XX/XX/XXXX. This is shocking and has severely impacted my Fico Score. 
Im feeling betrayed as I have never been 30 days much less 60 days late. Had I ever been it is written into my agreement that the agreement would not be honored. Im working very hard to resolve this. 
The amount reported to XXXX is not the amount they are demanding I pay. This company repossessed my vehicle for being 14 days late but up until that point I had a good payment history with them and the vehicle was close to being paid off. Now here I am again so close to resolving this account and I feel they are trying to pull the rug out from underneath me. 
How am I to trust them once I pay them close to {$6000.00} that they will honor the agreement? 

I feel this is bait and switch.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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 status incorrect

Complaint:
There are two issues.

1 ) The account was settled and paid on XX/XX/22. See the attached settlement letter and bank statement showing the payoff. My credit report shows it as charged off and fully unpaid with an outstanding balance. This should be updated to reflect it has been settled and closed with a XXXX balance. 

2 ) The 1099-C I received ( also attached ) showed the entire balance plus additional interest as charged off ( and therefore increasing my tax liability ). This should only include the actual cancelled debt, less the settlement payment made and no interest. 

I have tried to reach out many times but the company appears to be out of business and the phone numbers do not work.

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 2022-08-17
Company: EQUIFAX, INC.
State: MD
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 recently sent a dispute letter to XXXX XXXX Equifax on XX/XX/2022, concerning erroneous information published on my credit report. Its been over 30-45 days & I still have not received a response from them as of yet, XX/XX/2022. I did not send it as certified mail, but I know that theyve received my notice b/c they updated the dates, the amount of open & closed accounts, & 2-year payment history on my report. They have not acknowledged my request, nor have they notified me of the beginning of their investigation process or results.

I want them I to be held accountable for their negligence & the damages Ive experienced from them not committing to completing a proper investigation. As by law of the FCRA, they are required to. 


15 USC 623 : 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.

15 USC 611 ( A ) : If the completeness or accuracy of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been incorrectly billed/charged. Late last year, I called Ed Financial to inquire about the news of the student loan forgiveness program that was being floated around in the news. The person with whom I spoke accidentally and incorrectly thought I was requesting a reimbursement due to the National Emergency Forbearance/COVID Relief Program. 

I never received these funds, nor have I deposited them. I have W2 filings and Bank statements to prove this out. Furthermore, the check is void after 180 days, which we are way past at this point as it is XXXX months since the check was mailed out. 

Back in XXXX I followed up over phone and the representatives confirmed this was an error on the billing teams side and they were going to locate the check. A representative confirmed that I do not owe them any funds, and that once the check has been located the refund request would be cancelled, which should set my balance to XXXX. I can not legally be made to repay funds I did not receive, and I have proof that this is the case. 

The account balance is still showing {$1200.00}, which is incorrect and invalid as I have never received these funds nor intended to request them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We misplaced our Synchrony Bank PayPal Cashback Credit card and reported it missing on XX/XX/XXXX. The initial report of a lost card was apparently not recorded, as a follow-up call two weeks later revealed that the card had not been deactivated as we requested. Replacing the card took over a month. 

On XX/XX/XXXX, while we were still waiting for the replacement card, I attempted to transfer {$170.00} in rewards from the Synchrony account to my PayPal account, but the transfer never appeared in PayPal. 

Two online payment attempts for the XXXX statement were rejected. I spent hours on the phone with both PayPal and Synchrony customer service trying to resolve these issues and to make a phone payment for the XXXX statement. I was told by Synchrony that PayPal would be able to resolve the rewards transfer issue, but the PayPal representative ultimately transferred me back to Synchrony. 

I wrote to Synchrony on XX/XX/XXXX and again on XX/XX/XXXX explaining the issues that I had experienced but have still not heard anything back from them. The {$170.00} in rewards has still not been transferred to PayPal as attempted on XX/XX/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 2023-09-01
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2023, I applied for a federal consolidation loan that i now realize I would like to cancel. I have been trying to get ahold of my servicer, EdFinancial, for over two weeks and have heard nothing back. Their wait times for calls are over 600 minutes, and while they offer the promise to save my spot in line and call me back, I never receive a call. The chat option on their website always crashes for me as well. Theyve switched to a new system and tell me every day that I need to create a new account, even though Ive already switched over to their new system. I would like to cancel my consolidation loan. 

I would also like to view the status of my SAVE plan application, which was submitted on XX/XX/2023. The student aid website says that my application has been processed, but EdFinancial has not sent me a single email about my application or approval status. 

I need to know both of these things before my first payment is due in XXXX, but there is zero way for me to get ahold of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Bread Financial Holdings, 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:
XXXX Bank is contacting all my family members regarding a debt I am disputing. They are attempting to collect a debt via phone calls to my family members. In Violation 805 ( b ) of the Fair Debt Collection Practices Act, it is illegal for debt collectors to call your family members to discuss your debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Army and Air Force Exchange Service
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was notified by XXXX XXXX that a new account had been reported on my XXXX record. XXXX XXXX asked me to verify the accuracy of the information that XXXX had reported. I signed into my XXXX XXXX account and noticed that there was a soft hit, a hard hit and an account which was not of my doing. I called the credit card issuer and spoke to a representative who informed me that the address on the credit card was not the address I had given as my address. I then immediately went online to the three major reporting agencies to alert them to fraudulent activity on my account. While on the XXXX site I filed a complaint to seek to have the fraudulent account removed from my report. According to the response that I received from XXXX, they had contacted the card issuer and determined that the account was valid and that my complaint was therefore invalid.

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 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with XXXX, XXXX, and Trans Union several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of negative inquiries. I have six negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following six to be removed from my credit report please :XX/XX/XXXXXXXX XXXX 2017 Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX XXXX XXXX XXXX XXXX. Didnt finish, school mysteriously vanished. I received less than XXXXXXXX XXXX. Now they want over XXXX from me. This was in the mid XXXX. I dont mind paying back the few XXXX, but I dont have what they are asking. I feel as though I was, and am, a victim of a predatory lender. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a federally protected consumer and I am aware that this company is not abiding by the regulations of the fair credit reporting act. Please review the attachments.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have an account on my credit report from the creditor XXXX XXXX that is reporting as CHARGED OFF with random months showing '' payed as agreed " in its payment history. 
I DID NOT OPEN THIS ACCOUNT, and I DID NOT MAKE ANY CHARGES ON THIS ACCOUNT. 
i was told by an XXXX  rep that i can not be assisted with this, and there is nothing i could do! 
this account needs to be blocked from ALL REPORTS ASSOCIATED WITH MY IDENTITY asap!

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