BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-11
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I mailed letter to LexisNexis requesting that an account be verified that was reporting to XXXX XXXX XXXX, and XXXX. On XX/XX/XXXX LexisNexis sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called LexisNexis and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because LexisNexis found it to be unverifiable. I have never received any response from LexisNexis, XXXX XXXX XXXX or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I submitted dispute letters to all three credit bureaus, XXXX Equifax, and XXXX As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
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:
My school loans are all on my report multiple times including closed ones showing as open. They are listed as collections, chargeoffs and most damaging foreclosures. The foreclosures appear as if I have had multiple home foreclosures. I have disputed the errors multiple times every time it seems to just lower my score more I have contacted the us department of education and it seems to get me no where Im now barred from disputing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX.. If you do not remove it from my record, please provide me with written proof of every detail shown in your entry

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 2022-01-09
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
MIDLAND CREIDT MANAGEMENT INC. PUCHAED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANS ACTION.

MIDLAND CREIDT MANAGEMENT INC. has been sending me collection notices in the amount of {$2200.00}. They have been threatening to sue me if I do not pay them, and have been reporting this negative information on my credit report which is both misleading and damaging to my reputation as a natural person and consumer. I have never done business with this company nor does this company have any evidence of a contract with my signature. This company is passing my private information to other members possibly resulting in identity theft. Pursuant to18 USC 1028 whosoever during and in relation to any felony violation enumerated in subsection c, knowingly transfers, processes, or uses, without lawful authority, a means of identification of another person shall in addition to punishment provide sor such felony, be sentenced to ter of imprisonment of 2 years. Whoever, during and in elation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or false identification document shall, in addition to the punishment provide for such felony, be sentenced to a term of imprisonment of 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: DISCOVER BANK
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I lost my brother due to a murder and I got behind on my cc bills but since then I have paid off all my debt and Discover continues to try and keep me from moving on with my life. This has been more than ten years and they continue to have it listed as a derogatory mark against me on my account that it is affecting me from getting a better house and a better house which is costing me thousands in interest e every year due to this hardship that I have been trying to rectify the last 15 years of my life and it continues to linger on my credit report as a sore to remind me that even though I have made the payment it shouldve been removed after 10 plus years because this is obsessive and unreasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, Attached you will find my Proof of Claim, Conditional Acceptance for Value served to BAYVIEW Loan Servicing LLC, A Debt Collector, on XX/XX/XXXX certified sent certified mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

In addition, Under my private rights of action and administrative process I want to report that Bayview Loan Servicing LLC has repeatedly ignored and has failed to respond to my Qualified Written  Request ( QWR ) and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

I never contracted with BAYVIEW at any capacity and have never had any business relationship verbal or written. The BAYVIEW Account # XXXX corresponding to my property at XXXX XXXX XXXX. 
XXXX CA XXXX was created without my authorization and through identity theft of my personal and private information. 

My Second Notice of Fault in Dishonor and Opportunity to Cure demand letter was served to BAYVIEW on XX/XX/XXXX Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX My Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served to BAYVIEW on XX/XX/XXXX sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

Finally, my Notarized Affidavit of Non Response was also served to BAYVIEW sent Certified Mail # XXXX-XXXX-XXXX-XXXX-XXXX. 

As of today, BAYVIEW has not responded to my Proof of Claim and Conditional Acceptance, Qualified Written Request and Validation of Debt, Fault in Dishonor and Opportunity, Notice of Default in Dishonor Discharge of Obligation to Pay demand letters. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
NAVY FEDERAL CREDIT UNION I HAVE A CREDIT CARD ACCOUNT WITH NAVY FEDERAL. MY LIMIT IS XXXX. I ALWAYS PAY MY CREDIT CARD AMOUNT OFF EVERY MONTH. 
WHEN I SPOKE TO AN NFCU AGENT TODAY, XX/XX/XXXX SHE LOOKED AT THE CRITERIA I SPOKE ABOUT AND INFORMED ME THAT UP UNTIL TODAY, FROM XX/XX/XXXX TO XX/XX/XXXX XXXX I HAD DEPOSITED XXXX INTO MY CREDIT CARD ACCOUNT. 
SHE LOOKED INTO AND STATED SHE ALSO FOUND AN ERROR. SHE COULD NOT FIND A XXXX DIFFERENCE. 
I FEEL THAT MY ACCOUNT IS BEING TAMPERED WITH. 
I AM A VICTIM OF FRAUD AND NFCU DOESNT LOOK INTO IT THOROUGHLY. I WOULD LIKE 3RD PARTY INTERVENTION. 
I PAY MY CREDIT CARD AMOUNT OFF EACH MONTH. DURING THE PERIOD OF XX/XX/XXXX UNTIL XX/XX/XXXX I DEPOSITED XXXX I DID NOT PURCHASE ANYTHING LARGE OR UNUSUAL. THIS IS NOT NORMAL FOR ME. 
I USUALLY IMMEDIATELY ADD MONEY TO MY CREDIT CARD ACCOUNT TO KEEP IT UPDATED SO I CAN CONTINUE TO USE IT AND KEEP A GOOD CREDIT SCORE. THIS IS WHERE MY PROBLEM IS I BELIEVE. 
I REALIZED I HAD DEPOSITED XXXX. WITHIN 5 WEEKS. 
WHEN I CALLED TO FIND OUT WHAT WAS GOING ON I WAS GIVEN VAGUE DISTURBING ANSWERS. AFTER TRYING TO FIND OUT WHAT WAS GOING ON I NOTICED THAT THERE WAS A CHANGE TO MY CREDIT CARD ACCOUNT. 
THE CHANGE WAS THAT I NOW OWED XXXX  $ FOR XX/XX/XXXX AFTER DEPOSITING ALL OF THAT MONEY. 
I CALLED NFCU AGAIN. I NOTICED AFTER I MADE THAT CALL THE XXXX   $ PAYMENT WAS REMOVED. 
THIS US DISTURBING. 
I DO NOT UNDERSTAND HOW I SPENT XXXX IN 7 WEEKS WHEN MY CREDIT LIMIT IS XXXX AND I CONSISTENTLY PAY IT OFF. 
I WROTE TO THE NCUA AND THEY STATED THAT AFTER CAREFUL CONSIDERATION, MY CASE SHOULD BE REFERRED TO THE CFPB. 
I BELIEVE I AM MISSING MONIES ESPECIALLY SINCE I WAS INFORMED THAT THERE WAS A XXXX $ DEFICIT ON XX/XX/XXXX BY A NFCU AGENT SUPERVISOR.. 
THE REASON I CALLED TODAY WAS BECAUSE I NOTICED A DISCREPANCY. THERE WAS XXXX BALANCE AND A XXXX XXXX $ PENDING TRANSACTIONS. 
I ADDED THIS AMOUNT UP. IT CAME TO XXXX. I SUBTRACTED THIS FROM FROM XXXX, MY CREDIT LIMIT THE AMOUNT WAS XXXX. 
MY AVAILABLE BALANCE WAS XXXX. 
WHEN I CALLED NFCU AND SPOKE TO AN AGENT. I THEN ASKED TO SPEAK TO A SUPERVISOR. AS I WAITED I PULLED UP MY STATEMENT AND LOOKED AT MY STATEMENT AGAIN. THE BALANCE HAD NOW DROPPED DOWN TO XXXX. 
I COULD NOT UNDERSTAND IT. I SPOKE TO THE SUPERVISOR OF MY CONCERNS. THEN SHE STATED THAT SHE WOULD HELP ME. SHE INFORMED ME AS OF TODAY I HAD DEPOSITED XXXX INTO MY CHECKING ACOUNT AS OF XXXX XXXX. SHE INFORMED ME ABOUT A XXXX DEFICIT. 
INCIDENTALLY.. 
IT SEEMS THAT WHENEVER I GET A LARGE SUM OF MONEY I AM MISSING MONEY IN SOME FORM .ON XX/XX/XXXX, I RECEIVED A DEPOSIT OF XXXX. I IMMEDIATELY PUT XXXX IN MY CREDIT CARD ACCOUNT. BY XX/XX/XXXX I HAD ADDED AN ADDITIONAL XXXX. WHERE DID IT GO I WOULD LIKE CLARITY IN THIS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent my first letter to transunion on XX/XX/2021, about some inaccurate and incomplete items reporting on my credit report, they never sent me anything so i sent another letter on XX/XX/2021 about the same issue and as of XX/XX/2021, no information from Transunion.I would like for it to be deleted before i turn this matter over to my attorney. 
all of my letters was sent USPS CERTIFIED MAIL W/TRACKING # 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 2020-09-23
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had been a XXXX wireless hotspot customer for over 8 years as of XX/XX/2017 ( see Attach # 1 ). I experienced service quality issues including an unexplained account number change ( See Attach # 4 and # 5 ). I found that XXXX offered a better product, 10GB of wireless hotspot service for {$10.00} a month, compared to the {$50.00} a month for 5GB that XXXX charged. I decided to switch providers. 

On XX/XX/2017 I called and spoke to a XXXX representative. I asked her to email me so I had her contact info to confirm our conversation ( See Attach # 2 ). I asked for my final closing balance on my XXXX account and then I asked her to close out my account. I was advised that the closing balance was {$91.00} and that my account would be closed. I paid the amount and XXXX deducted the payment from my XXXX XXXX XXXX XXXX ( XXXX ) account four business days later on XX/XX/2017 ( See Attach # 3 ). 

I believe that the unexplained account number change may have contributed to any posting issues related to my final payment. All further contact with XXXX confirmed that my account was closed. When I went to their website it advised me that it was closed. If I called them, I was told I no longer had an account with the company and there was no invoice to pay. The {$53.00} amount ( See Attach # 4 ) they later sent to collections was either in error or would have already been included in the {$91.00} payment I made to close out the account. 

I paid the collection company the {$53.00} again to stop the dispute notices, and I filed a dispute with the XXXX  credit agency ( See Attach # 5 ). The bill was sent in error on an account that could not be accessed, for a service that was no longer being provided or used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to a change in my financial situation I am unable to pay the debt

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 2021-10-22
Company: EQUIFAX, INC.
State: GA
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 XXXX, and cbna inquires were on my credit report. I submitted police reports and Equifax said all inquires no matter if you didn't do them are facts and stay on your report even if you never allowed them. They also won't let me change any info on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same. 
15 U.S code 1681b - permissible purposes of consumer reports ( 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 Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!

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 2020-04-28
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Every! Single! Time! I attempt to receive information from Fedloan servicing it is incorrect or simply " unavailable ''. I have been correctly and consistently repaying my student loans since I began payoff several years ago. Every time I submit my ECF form to update my payments, my estimated eligibility date is moved and my payment count is incorrect. I have fought with them on no less that ten occasions regarding my payment count and I still believe it to be incorrect but it is simply their word against mine. 

When I filled out my first ECF, after paying my loans for something like six years, I was told 2 of my payments counted on two of my loans and 15 counted on my other loans. This itself doesn't make sense because my payments have always included all loans. After disputing with several agents, all of whom couldn't give a rats about my problem, they updated my count. I still don't believe it to be correct, but at least its consistent across the board. 

This month, I have faithfully re-submitted my ECF for the year, and despite the payment history literally showing on my account, they updated my payment count to 7 ( out of 12 months ) and pushed my eligibility date out by 7 months. I believe the error is due to the fact that when I applied for forgiveness ( knowing fully I would be denied, in order to apply for TEPSLF [ what a XXXX  system! ] ) they updated my count. 
They updated my count in XX/XX/XXXX but the letter attached only counted payments through XX/XX/XXXX : XX/XX/XXXX to XX/XX/XXXX is 7 months, so that would mean XXXX-XX/XX/XXXX has been overlooked. 

Additionally, I am aware that I have had several years of payments under the Graduated repayment plan, which I know and understand does not count toward PSLF. However, Fedloan is unable/unwilling to give me that count, and will only tell me I am denied under TEPSLF. They will not give me an estimated TEPSLF eligibility date including those payments. So essentially, I need to guess at when I've reached 120, in order to request TEPSLF. If I am off my one month, my TEPSLF will be denied, and I will not know how far off I was. 

I am so tired of this company and would do anything to go back to XXXX. I understand this is a nationwide problem and this company has failed in every aspect of its responsibility. I don't know why the world will not stand up to this issue, and rescind the responsibility of this program from Fedloan. They can not handle this, nor do I believe they want to. 

For the love of God, please help us. We are desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
1-  I made a {$1000.00} payment on XXXX and told the rep do to my XXXX  this payment is for XXXX and XXXX So XXXX comes citi keep hurass me by constantly Collings me I call back They failed to apply the {$1000.00} payment for XXXX Charged me late fee Made my account as delinquent Why Citi is a crock cheat fraud ripoff bank I will fight you and wont let you getaway Wake up 45 is gone Ripoff errs is over

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 2020-09-23
Company: Experian Information Solutions Inc.
State: NY
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:
Date XX/XX/2020 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : EXPERIAN Alleged account # ( 1 ) XXXX  Creditor XXXX, account type : Revolving. ( 2 ) XXXX Creditor XXXX XXXX XXXX, account type Revolving. ( 3 ) 15 Creditor XXXX  XXXX XXXX account type revolving. ( 4 )  XXXX Creditor XXXX, account type revolving. ( 5 ) XXXX creditor XXXX XXXX, account type revolving. ( 6 ) XXXX XXXX XXXX XXXX  account type revolving. ( 7 ) XXXX Creditor XXXX XXXX XXXX, account type revolving

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