BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: LEXISNEXIS
State: PR
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:
This is a formal complaint as a consumer my consumer rights have been violated. This is also a formal complaint pursuant to XXXX, XXXX XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX LexisNexis XXXX XXXX Management XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX United States District Court for the Eastern District of Virginia The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This means that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report it should not be there.

This is a violation. I never gave written instructions to furnish any of the following accounts. 

Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Bankruptcy - Reference # : XXXX Please provide any original signatures bearing my signature that I consented to this to be reported on my consumer report. 

I've also read information as a consumer eligible under the settlement pursuant to XXXX, XXXX XXXX XXXX  LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX United States District Court for the Eastern District of Virginia The lawsuit claims that the Defendants failed to timely retrieve and report updates to judgment, tax lien and landlord tenant records such as lien releases, satisfactions of judgments and dismissal of landlord tenant cases and also reported inaccurate and outdated motor vehicle records. Plaintiffs claim that Defendants alleged practices violated the federal Fair Credit Reporting Act ( FCRA ). Defendants deny any claim of wrongdoing.

Plaintiffs also claim, in a part of the case in which the ( b ) ( 3 ) Settlement Class is involved, that Defendants did not properly respond to disputes concerning public record information in their reports and file disclosures. 

This inaccurate information has caused emotionally distressed as I've disputed these accounts for months just to be notified that were deemed to fail in providing any information regarding my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Approximately a year ago, there was a fraudulent attempt on my account to use the integrated XXXX application to transfer money out of my account. I caught it in time and asked Regions Bank to disable my integrated XXXX app which they did. 

A little over two months ago, I was elected as XXXX of an organization and needed to use the XXXX app to receive funds from the members such as dues, contributions and other activities. Since I asked them to reactivate it, they have been unable to do so. The first couple of attempts resulted in my XXXX account having a block still on it. After several more attempts, they advised that it was fixed. Not so. I can send money with it but can not receive money which is exactly what I need to do. 

The bank has been rather cavalier in their approach to correcting my problem. I have even suggested they contact me one a week for an update on their progress. They have not done this. 

There must be a fix to this problem but they seem in no hurry to discover what that may be.

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 complaint is against XXXX formally known as XXXX. They have placed erroneous information on my credit profile that I have been disputing with them directly as well as the Credit Bureaus. Today I received an email from them claiming I owe them a debt and have a right to dispute it. However, I have already been disputing this debt since XXXX of 2022. This account came to my attention in XXXX. 2022 as a charge-off showing up on my credit reports. I have sent written letters as well as emails to them awaring them that this account was open fraudulently and that I have no knowledge of this debt. I was told in response that I would have to dispute with the credit bureaus and with the FTC and they would follow-up with an investigation. I emailed them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as filing a report with the Federal Trade commission. I delivered the reference number of my report to them ( # XXXX ) via email. Nothing has been done about this. In addition I have pulled my credit report and the data furnisher has violated my consumer rights in accordance with the FDCPA. the data furnisher has failed to mark my account in dispute status, as well as failure to conduct a full and thorough investigation. I have the right to and accurate credit profile. I want this account removed from my credit profile immediately.

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 2017-10-26
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Please help me understand debits that are my credit

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 2021-11-19
Company: Locate Source America, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I noticed that funds were being taken out of my paycheck regarding a garnishment. The documentation provided to my employer was from a judgement from XX/XX/XXXX sent to an address that I did not reside at for an owed amount of {XXXX} in principal and {$XXXX additional interest and Attorney fees creating an owed amount of XXXX A Filed Case was done in XX/XX/XXXX over XXXX  years after the original judgement to which the debtor claims {XXXX} interest with an XXXX % or {XXXX  per day has accumulated bringing the new owed balance of {$XXXX}. The statute of limitations is XXXX years in Nevada and this is for a debt that has passed the statute with interest that has tripled over the original amount in XXXX. The debtor sent the notification to an address that I did not reside at nor have they made any connections regarding this matter. I did open a claim with the XXXX XXXX XXXX which the debtor says they have made contact with me and is refusing to provide information regarding the debt. I have sent certified letters to the debtor trying to obtain a letter of validation of debt which the debtor refuses to provide. The addresses on file for the debtor are addresses where the company does not reside at. The company is XXXX XXXX XXXX XXXX  where the address on file are : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( address is an apartment complex with no apartment number ) and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ( address is an dentistry as well as an return certified letter for undeliverables ). I finally found an address for the company at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX where I did send a certified letter that was delivered yet the company has not responded. The only conversation I have had with the company has been through my XXXX  claim which the company is denying to provide a letter of debt validation or other information regarding the previous attempts to collect upon this debt. The XXXX case is # XXXX. As of XX/XX/XXXX XXXX XXXX XXXX XXXX  has received {XXXX} and claims {$XXXX is still owed for a debt that I am not aware of, sent to an address that I did not live at, a debt that is past the statutes of limitations to collect upon, and will not relinquish any information regarding the debt or the attempts to collect upon it nor the attempts to contact myself regarding this debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Checkr, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CHECKR SYSTEMS HAS TAKEN MY PRIVATE IDENTIFYING INFORMATION AND USED IT TO CREATE FILES FOR COMMERCIAL USE WITHOUT MY EXPRESSED WRITTEN CONSENT AND ARE GUITY OF IDENTITY THEFT AND CONSUMER FRAUD AS A RESULT. I HAVE SUBMITTED A WRITTEN REQUEST FOR PROOF OF CONTRACT OR {$5000.00} FOR THEIR VIOLATION OF ILLINOIS CODES AND STATUTES AS COMPENSATION FOR INJURY AND THEY HAVE NOT RESPONDED. I WILL TAKE THE MATTER BEFORE AN ARBITRATION BOARD AND MAKE THE MATTER PUBLIC ALSO UNTIL REMEDY IS PROVIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Security Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, Security Credit Services is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since XXXX that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX  and XXXX but XXXX  won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus. 

I have attempted to reason with this company in the past to no avail. The XXXX is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports. 

This account is negatively affecting my credit file and I need to get it rectified asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX my debit card was lost, I reported it lost/stolen received a new card on XX/XX/XXXX. Phone was also lost XX/XX/XXXX returned XX/XX/XXXX. Realized on XX/XX/XXXX XXXX zelle transactions that I did not approve of XXXX and XXXX were send to an unknown recipient. Called my bank to report fraud. Will get back to me 10 business days, no word. I called XX/XX/XXXX They denied my report due to no proof. Called XXXX to get some type of information. It is against the law for them to provide any info. Chase refused to help and denied my refund as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: The CMI Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt is not owed. Credit management continues to call to collect despite requests to cease calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are two collection agencies trying to collect on this one account that is not owed by me. Convergent outstanding I have never had an account with them or 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 2022-10-28
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried calling Mohela this week around XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Both times, the phone system told me that they was no one available to answer my phone call. On there web site it states that there customer service is open until XXXXXXXX XXXX EST. 
On XX/XX/XXXX, I called around XXXX XXXX EST and was hold for XXXX hour and XXXX minutes before I had to hang up. Today, XX/XX/XXXX, I was on hold for XXXX hours and XXXX minutes and there phone system hung up on me. I have a question about my public service loan forgiveness application and need to speak with a person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine I have never had an account with Amsher. This debt has two collection agencies that are trying to collect on a debt that is not owed. Both Amsher and XXXX XXXX are trying to collect on the same debt that I do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
According to XXXX from Bank of America, the company opened a card in my name on XX/XX/2021. I found out about this upon receiving a card in the mail. I did not open this account. 

I spoke with the fraud department and they closed the account. However, I requested that Bank of America not report this account to any credit bureau, as they have not received my permission to open the account ( it was unsolicited ). I asked them to give me an assurance that this account will not be reported to any credit reporting agency, and they refused, stating that they do not know whether the account will be reported or not, and that I would have to follow up with the credit reporting agencies directly. When I pressed to speak with a manager or someone who was able to make changes to the credit reporting for my account, XXXX hung up on me. 

If they have not reported to credit agencies yet, they need to prevent that damage from being done by turning off credit reporting for the account they opened without my permission. I'm logging this complaint in hopes that the bank will turn off credit reporting for the unsolicited account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRACO INVESTMENT CORP
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX   XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB : On XX/XX/XXXX, I received employee instructions for a garnishment/ earnings withholding order from my HR department from an attorney out of California representing XXXX XXXX , XXXX. , much to my surprise. After freaking out about my livelihood being threatened, I called the attorney of record and spoke to XXXX XXXX at XXXX. She said I could modify the amount that is to be taken from my paychecks but I told her this was not my debt, I did not know who the company was nor did I know that the debt/ judgment existed! I have lived in Nevada since XX/XX/XXXX so I was never served any paperwork on this debt nor have proof that the suit was ever published in any newspapers to notify me of the debt. 
There are a few issues that need to be raised : 1. I never received debt validation, as I was unaware of this judgment until a few days ago, so I request full debt validation with original application signed etc. 2. This judgment is not on my credit report nor has it ever been so I was unaware of its existence. 3. The judgement /garnishment order was served across state lines without proper domestication of said judgment in Nevada from California , which is illegal. See NRS 17.330-17.400 attached hereto. 4. XXXX XXXX refused to provide debt validation as I kept telling her this was not mine I had not idea what it was. 5. Upon a phone call to the attorney about violating the above laws, they sent a termination of withholding to my HR department. 6. I would like to file as many complaints as there are issues with this situation so that they do not do this illegally to anyone else! I want them to be fined and that they be held accountable to the maximum limit of the law and the judgment to be thrown out! 7. I want monetary compensation for the illegal activity on their part and my rights that they have violated. 
XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I would like to file more complaints but was unsure how to choose more than one violation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted disputes to Experian on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. Experian is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in XXXX and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.

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 2019-11-14
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently applied in XX/XX/XXXX for the student loan forgiveness program. At first the program was under the name " XXXX XXXX XXXX '' it was then " sold or transferred '' to XXXX XXXX XXXX. When I applied and was granted, I had to provide bank statements, documents signed by my principal, and tax information. At the time I qualified for the 10 year forgiveness program and began my payments. When information for renewal came, I renewed my information XX/XX/XXXX and continued on with payments. They were automatically withdrawn. XXXX XXXX XXXX XXXX PPD ID : XXXX ACH debit {$61.00} Payments stopped in XXXX, however I didn't notice until last month. As I have been trying to inquire as to what is going on, I have received little to n information. I was actually sent an email from a coworker regarding a " lawsuit '' against XXXX at the end of XXXX and I checked payments to realize they hadn't taken one out for the last two months. 
I do not want to have a bad credit standing with the Student Loan people and have worked hard to pay off all my additional debt besides my Student loans due to this program. I am currently in the process of building a house and do not want this to affect anything.

Company response to consumer: Closed with non-monetary relief