BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Name- XXXX XXXX DOB- XX/XX/XXXX SSN - XXXX Address - XXXX XXXX XXXX XXXX XXXX VA XXXX I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The first thing is they list me as deceased in XXXX but then list my addresses and XXXX drivers license number. How can I be deceased? Secondly, there's a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity and also for them to take the " deceased '' flag off of my account as it has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. There are also multiple vehicle accidents/incidents on my file that have people with the same last name but nothing to do with me which I found out raises mu insurance rate. I'd like those deleted as well, I am going to consult an attorney because this is terrible how much money and job opportunities I have missed out on by the misrepresentation of LexisNexis data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Phoenix Financial Services LLC
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: Public record information inaccurate

Complaint:
According to my most recent credit report there is a new negative remark from Phoenix Financial Services. This is an old account paid off in 2019. There should not be any collection of a debt that is settled. I tried to dispute this as this is an error from XXXX as they were the firm with power of attorney that settled it. XXXX did nothing to resolve this issue. Please see attached documents for proof of settlement and please remove the negative judgement that is unfairly placed in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: MO
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:
XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$2800.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$980.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX DIPUTE {$2300.00}

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 2021-03-25
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
TO THE FACT I AM FEMA AND NEW MOTHER XXXX THEY OVER COST ME XXXX FOR EXTRA FEES FOR NOT ADHEREING TO THE SCEDULED PAYMENT DATED ; AND THEREFORE IN XXXX XXXX XXXX XXXX THEY OVER COST ME AS MUCH AS XXXX XXXX AND I NETWORK AND I SWEAR ILL NEVER SUPPORT THIS XXXX  AGAIN IN XXXX AND IT WAS UP XXXX AFTER ALL ADDITOINAL THIS YEARS FEES OKAY THEY SAID MAYBE YOUR ID IS THEFTED AND WE DON'T APPROVE YOU THEN IN XXXX FOR DISPUTES TO DISPUTALS FOR NOT EVERY ANYTHING EVER AGAIN, RUINED*

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 2020-12-21
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
" Deceptive Lending Practices '' On XX/XX/XXXX I made a Personal Loan with One Main financial for {$4500.00} at rate of 35.99 % APR, while never missing a payment. The I never missed a payment which initially was {$170.00}. Due to the Pandemic and reduction of income I request a " Interest Reduction ''. Both agreed that the reduction would be truly a Interest Deduction, and did not some form trick, that would add interest to the principle balance. Thus on approximately XX/XX/XXXX both parties agreed to a Interest Reductions. The agreed upon Interest Rate was to be 6 % .After I made the payments as newly agreed upon One Main Financial source ways to increase the rate and payment. The Lender is now attempting to increase the back to 35.99 %. One Main Financial states that the increase is related to what they state is I can afford the original payment. I then stated my unhappiness with OMF and requested a Loan Payoff total. Upon doing this OMF increase the Interest Rate back to 35.99 %. I am requesting that the remain 6 % until XX/XX/XXXX the day of the last payment. After making 12 month payments One Main Financial claims they are now owed approximately {$4500.00} the original amount of the Loan, Addition One Main Financial elect to make a comment on my credit report at a rate reduction was agreed to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing this letter because of erroneous information on my file. I have been trying to fix this dispute, but all to no avail. I demand for comply and conform or I will take a legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TrueAccord Corp.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted via mail and email for a debt that is not real. I called and they gave an address that I never lived at and a debt I never encured. Several attempts and threats to pay {$920.00} with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX Bank ( XXXX ), N.A. account ). I called in XXXX 2021 to file a dispute and they said the incorrect collection attempts would be taken care of. It is now XX/XX/2021 and the emails and mail has returned asking for me to pay ~ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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:
Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off from my job. We had to make late payments on our home. My wife and I applied for a loan modification on XXXX of XXXX from Shell Point mortgage. We filled out the forms Shell Point requested. XXXX came with no contact from Shell Point. I called them and was told that I did not send all paperwork needed to process the loan. I have e-mails showing where requests were made every month for same paperwork. Shell Point informed us month that all they could do was offer a repayment plan. We would have to pay XXXX dollars in one month or lose our home. We are two months behind. I have a job and am trying to catch up. I think I have been mislead by Shell Point. We have had three different loan specialist. We were even told verbally that we approved for loan modification. He was replaced and our third specialist was assigned to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TD BANK US HOLDING COMPANY
State: LA
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: Investigation took more than 30 days

Complaint:
Td bank XXXX/Target has an unauthorized inquiry on my credit file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. Someone is using my personal information attempting to open several different accounts. I spoke with a representative and they instructed me to send in this identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a Capital One card holder for 20 years. I decided to add authorized users to my account for business purposes and was flagged as fraud. My authorized users are all XXXX Americans including my husband. 

I have been subjected to daily harassment from Capital One requesting the documents of all users. This has become a huge inconvenience and frustrating situation as I have submitted these documents 5+ times to their link provided by the Management department. 

Again, I received another call about my account requesting further documents of users that were removed from my account also XXXX American. 

I am a XXXX female and have never been through such harassment until my husband and authorized users were added to my account. This clearly has become a race issue and there is no fraud being committed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
On Saturday XXXX XXXX, my wife and I attempted to redeem points to book a flight. The website was broken such that after we selected the flight and filled out all of our information ( passport numbers, etc. ), you could not proceed to confirm it. We tried this over multiple days on different computers, web browsers, the app, etc. No luck. 

We called on Saturday and spent approximately one hour trying to book the flight. The rep ran into the same issue, put me on hold, and then when he returned his phone wasn't working. He claimed he couldn't hear me. I called back and clearly the issue was not my phone. This new rep falsely told me the booking had gone through and gave me an itinerary number and travel ID. 

When I did not receive a confirmation email I called again on Monday XXXX XXXX. I spent almost XXXX hours on the phone with four different people. It turns out I had been given a confirmation number from a booking in 2018. By now all the flights we had tried to get were either gone or massively more expensive. It took three days and calls with 8 representatives to get a flight booked. On XX/XX/XXXX I received another call in response to my complaint and I was advised I wasn't " eligible '' for any compensatory points/ goodwill points because there hadn't been a booking.

In sum, they prevent you from using the points, then use that as an excuse to not offer anything. It should not take 6+ hours on the phone and conversations with 8 people to redeem points to book a round trip flight.

Moreover, throughout the process I was consistently lied to -- in addition to being told falsely that a booking had been made, every time I asked to escalate I was told ( incorrectly ) that the new person would have additional authority. Every single time they clearly went to the same website and read the same options to me. I was told by several individuals they did not have a supervisor, which is ludicrous on its face. Similarly, the Chase Support XXXX account also repeatedly demonstrated a cynical incompetence -- asking for the same information repeatedly despite it being in writing, telling me the card number I gave them didn't exist, fixating on looking into the 2018 booking when clearly that wasn't the issue etc. etc. 

At a minimum, customers should be warned that the rewards program with Chase is a racket designed to make the points as difficult to redeem as possible, and that the customer service representatives are a nesting doll of interlocking policies designed to waste time and deflect costs and responsibility to the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: GA
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT THESE ARE THE FRADULENT ACCOUNTS 1. XXXX XXXX XXXX XXXX. XXXX 2. XXXX XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX. XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX. XXXX 8. XXXX XXXX. XXXX 9. XXXX XXXX XXXX  XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Again XXXX XXXX removed the bankruptcy dismissed from my public record. The company where XXXX, Experian, and XXXX  picks up matter like this to report resolved this matter in XXXX. So if XXXX XXXX rep realized it and removed it from my public records. What is the actual problem? XXXX  removed it yet and still I have showed proof to Experian and XXXX  and still going through this after getting a letter from XXXX  that it was deleted.

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 2021-11-10
Company: EQUIFAX, INC.
State: WI
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: VA
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 is my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called XXXX immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me XXXX after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, XXXX separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over XXXX points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards XXXX which I had no problems previously XXXX and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that XXXX should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: UT
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX and XXXX XXXX XXXX are double reporting on accounts # XXXX for XXXX XXXX and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our mortgage application was brokered out to Carrington Mortgage located in XXXX, CA. File was submitted clean, underwriting provide underwritten approval in XXXX. All conditions were submitted numerous of times to underwriting to be signed off. Lender never provided clear to close. Final closing disclosure was signed by us on XX/XX/XXXX. No loan docs at title within the 3 days. Lender requested more conditions that was not necessary. Lender didn't close our file on time after 3 extensions. Close of Escrow was schedule for XX/XX/XXXX. Lender had our file for 3 months. We even went with a different lender because of this. The new lender has provided a new loan approval ina week. We lost our XXXX earnest money because of them. Seller walked away from sale because she didnt want to reinitiate our contract. 

Our realtor and our loan officer have emails documenting everything from the Account Executive from Carrington Morthage. They failed us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on BARCLAYS BANK DELAWARE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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