BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous inquiries listed on my credit report that were not initiated by me. This was a result of malpractice or an error.

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 2019-08-02
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt originated XX/XX/2018 with XXXX XXXX XXXX in XXXX XXXX I submitted my XXXX information as follows XXXX XXXX for payment I also filed for bankruptcy on XX/XX/2018 & included all my debt including all outstanding medical debt which was discharged on XX/XX/2018. Im receiving derogatory collections on my credit bureau reports of this debt from CMRE FINANCIAL SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: LEXISNEXIS
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
LexisNexis sold my personal information to XXXX XXXX, without my permission or knowledge. I received unsolicited credit offers from XXXX XXXX, in the mailer that was sent they indicated that my information was received from LexisNexis I filed complaints against both companies with the XXXX XXXX XXXX. I received confirmation from XXXX XXXX that my information was put on their do not solicit list. I also received a form letter from LexisNexis indicating that my records were removed from publicly facing records products they did not indicate if my information would be removed from additional unsolicited offers. LexisNexis also has 3 levels of opt-out they did not indicate which level I am enrolled in. I have tried to resolve this through the XXXX and their call center, but have not had luck. In addition they print false and misleading phone numbers indicating that there is a LexisNexis Privacy Hotline XXXX which does not exist and sends consumers directly to their call center with no help whatsoever. I ask that the government invest the business practices and data practices of LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out XXXX loans with XXXX XXXX. The first XXXX was to get my credit up to finance furniture, and the second one was for moving. I have been unable to pay the full amount due to XXXX and the loss of XXXX part-time job within six months. Tower Loan, even when I do pay, will call me to offer me payday loans, will call me the day my loan is due, and if I am unable to pay the full amount, I get harassing phone calls. I have sent them a hardship letter telling them of what has happened and that I plan on paying them in the near future, but it has fallen on deaf ears. I still get harassed continually by them, and they are not trying to help me at all with any of my payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: EQUIFAX, 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:
I have disputed the late payment status reported on the account XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score drastically. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
In XXXX I got an American Express card, In XXXX I was not receiving my bills, I contacted American Express, They told me that my account was placed with a collection agency. I received several calls from a collection agency call XXXX  about the account. In XXXX I sent a letter to get the debt validated. See attach. 

I called them in XXXX for a follow-up and was told they no longer had the account. I called American Express and informed them that the company is no longer holding the account and they never validated the debt. I explain to them that I sent them a validation letter and got no response. 

When I called in XX/XX/XXXX, I was told the account charged off. In the month of XXXX, I received 8 phone calls of harassment from a company called XXXX XXXX, I asked them to validate the debt, I sent them a letter to validate the debt, They never did. When I followed up with them, I was told they no longer had the debt. 

They told me it was back with American Express, I called American Express collection to speak about the bill and they were rude to me and never validated the debt. I asked to send me the bill by email because I had to move out of the country. They refused. 

I've tried for many years to get the debt validated and got no way. The statue of limitation for them to sue me has passed. They had my wrong address, they did not validate the debt. I ran my credit report yesterday only to find out that they put the debt back on my account. 

I contacted them and they said because I disputed it, they put it back on my account. This is really some XXXX. I do not owe this debt, It's on my three credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from them.

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 2023-10-30
Company: EQUIFAX, 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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX 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: In progress
Consumer complaint received 2021-11-05
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2021 - lender conditionally approved mortgage and is now requesting additional conditional compliance the day of closing. I believe they are doing it because I am a XXXX female.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We received a forebearance throught the CARES Act for XXXX XXXX XXXX We started paying again in XXXX, and have paid every month since. Huntington, via their Homesavers Dept. and the supervisor XXXX XXXX, asked us to submit paperwork in XXXX to have it ended and put on the back of our mortgage, which we returned XX/XX/. On XXXX XXXX our mortgage was reported delinquent. This is ILLEGAL under the CARES Act. I called, they corrected it. Then again XX/XX/XXXX, again it was corrected. Then again in XXXX, and they siad they are " behind '' and be patient- as my credit score site 140 points down. Then again XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX that the paperwork was done and would be all fixed in a week. That did not happen and now she will not return calls. It is XX/XX/XXXX, still nothing. I have talked to two of her team members, who she supervisies, that tell me she will call me back, that it is her issue to fix, and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I lost my job call the car company to forfeit the car. They tools 9 months to repo it. They sold The car 12 months after they re-polled it then charge me for the balance two years later the account was closed and it was considered a charge off. Today I got a phone call from my debt consolidating company that tried to collect {$3200.00} on this loan that has been closed and now they have applied it to my credit and said they will be garnishing my check. I voluntarily turned it in. And they closed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: U.S. BANCORP
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a vehicle on XX/XX/XXXX which was financed through US Bank. The payments, as agreed upon, and stated in the lease agreement is {$400.00} per month. The monthly tax that is incorporated into that fee is {$26.00}, as also stated on the lease agreement. Today, XX/XX/XXXX I received a mailed letter notice from US Bank that effective XX/XX/XXXX the monthly payment of my loan will be increasing to {$410.00} due to an increase in taxes. 

After receiving this notice I have discovered that US Bank has been charging {$27.00} per month for tax, despite the lease agreement being {$26.00}. 

I reviewed the terms of my lease and there is nothing stated that provides permission to US Bank to change the monthly payment terms in any form. It may be a trivial amount of money, but the principal US Bank NOT adhering to an agreed upon contract is highly unethical and disturbing.

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 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am not sure how the negative items ended up on my credit report. I noticed all the bad accounts in XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start 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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There was an account on my credit report from XXXX XXXX XXXX. The account was listed as negative. The account could not be verified and so the credit bureaus removed it. They later added the account back on and will not give me an explanation of why it was added nor the methods they used for verification. I've been trying to communicate with them for over 3 months regarding this account. The last letters regarding this account were sent out XXXX and I have tracking numbers to verify they've received them. I have heard nothing back from them.

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to obtain my free annual credit report from the company. After completing all the steps that were required in order to obtain the report. it stated they were unable to provide me with one and that I would need to call each bureau. I have called each credit reporting bureau and requested the credit report. Each bureau stated they would be mailing out the credit report. After waiting over 30 days I have yet to receive the credit report.

Company response to consumer: In progress
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-09-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Wells Fargo Home Mortgage immediately after running my credit report for new credit with another company. I had found that my Mortgage has been set up on a repayment plan that I had not set up and that I was being reported 5 months delinquent from XXXX of XXXX to XXXX of XXXX. Upon notifying them they conducted a 30 day investigation only to have XXXX XXXX come back and tell me on the XXXX of XXXX that she can see based on the notes and phone call that I didnt set this payment plan up and I am the one on the loan. She also informed me that there would be nothing that she could do about being that she had already discussed with management. 

I was told a verification was done and though they know I didnt set up the reporting is accurate and they will not be able to change. I asked if Im the loan holder and you know based on recorded calls and notes inputted by the Wells Fargo Representative sometime in XX/XX/XXXX/XX/XX/XXXXtimeframe that I didnt create this payment plan how are you reporting accurately to the three credit bureaus. This has seriously defamed me and is causing me extreme harm. I hold a high level Security Clearance and my income is in jeopardy along with my ability to obtain new credit and Im suffering.

I cried on the phone with Mr. XXXX XXXX, he said he would relook into The problem is that if we change for you we may be legally liable to others for not changing theirs. I waited another week for him to only return and tell they would return two months of late fees, but wouldnt change reporting of Delinquencies to Bureas. I am at a lost here and seeking to offer them another opportunity to correct their error before pursing more civil avenues

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 2020-09-22
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/31 Chime closed my account. After several emails and calls they stated the would send me tracking info and a refund check. Approximately XXXX I received the check. Try to deposit it into my NFCU account and it was declined as stating the issuing bank rejected it. I also went to the issuing bank, XXXX  XXXX XXXX and they stated the check was also no good! I have called Chime and all they can tell me is someone will contact me in 24 hours or go back to the bank and tell them to call then to verify the funds. I have been going through this whole issue with Chime for almost a month! They sent me a bad check!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: NJ
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:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me in the amount of {$730.00}. ( account # XXXX ) A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires PHYSICAL verification of an original signed consumer contract and not an electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records to which I have recieved verified as accurate without recieving the documentation that I have requested which is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: BMW Financial Services NA, LLC
State: CA
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:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by BMW FINANCIAL SERVICES on XX/XX/2016 which l have no idea about it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 I checked my online account and on one of my old cards there was a charge in the amount of {$21.00} to a XXXX XXXX XXXX. Then on XX/XX/2020 a charge of {$52.00} was charged to XXXX  XXXX  also. Then one XX/XX/2020 their was a charge to the same company XXXX XXXX XXXX for {$36.00} and also on XX/XX/2020 there was again another charge to XXXX  XXXX  for {$82.00} and also a XXXX pay money transfer of {$50.00} to a XXXX XXXX which I have no clue who he is. And I sure as XXXX do not know who was or is incarcerated in a correction facility. So I have tried for the past two months trying to dispute these fraudulent charges but was placed on hold for several hours and at one point all day with no one answering the call. This is a total of {$220.00} of my unemployment someone has took from me. So I am writing you to fix this problem before I go above and talk to the federal government about this matter. 

Thank you, 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 2020-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to review my credit, and make sure all the items on there are correct, but there is account that have been on my credit for a long time that absolutely should not be there. I have no contracts with this company, and did not agree to pay any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: In progress