BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
On or about XX/XX/2018, I called XXXX XXXX for an auto insurance quote. The quote came back more than double my previous rate and I was told by the rep that they had pulled a LexisNexis report that showed multiple accidents accounting for the increased rate. I contacted LexisNexis and requested a copy of the report. 

The report I received from them dated XX/XX/2018 includes accidents for other individuals from other states with different dates of birth and social security numbers. I contacted LexisNexis and was told that my insurance company had provided that information to them and that I would need to contact my insurance company. When I contacted my insurance company they did not have that incorrect information and said they did not provide that incorrect information. 

I filed disputes with LexisNexis for the incorrect information and am still waiting for a response. I feel that LexisNexis should be held accountable for recording incorrect information especially when they have dates of birth, addresses, and social security numbers, all of which are easily verifiable. There is no reason for other individuals ' information to be carelessly put on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I went to XXXX XXXX XXXX  on XX/XX/XXXX and traded my XXXX XXXX XXXX for a new XXXX XXXX XXXX. I completed all paperwork and left the dealership. I then recieved a call from XXXX XXXX on XX/XX/XXXX that I was behind on my lease and that I needed to bring the car into the dealership. I then advised XXXX that I had traded the vehicle on XX/XX/XXXX. They explained that there was still a balance on their end and they needed the car paid off or returned. I then proceeded to call XXXX XXXX XXXX who said that XXXX XXXX has not funded my deal and it was rejected. They told me that I would have to come in and sign new paperwork. I spoke with their assistant GM XXXX and he assured me that they would rectify the delay and also report back to the credit bureau. I was also promised that if there were any extra late charges or overages that XXXX XXXX XXXX  would cover. This is still not complete. I received another call from XXXX on XX/XX/XXXX about the payment to payoff the old lease still.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband and I have had our Best Buy card for 10 + years and during those 10 + years they have lowered our credit limit to equal the balance we had on the credit card, which made us maxed out on that card. Our scores took a big hit because of that. They have lowered our limit several times over the years for " lack of use, '' and have threatened to close the card if we don't use it within a certain amount of time. 

They offer no incentives to encourage spending. And right now our limit is so low we couldn't buy half the stuff in the store even if we wanted to. They have not lowered our extremely high interest rate ( not even by measly 1 % ), even though we have excellent credit scores and a perfect credit history  with them. They have not raised our credit limit back up even when we were making a conscience effort to use it on a regular basis, just so they wouldn't close it. 

No promotional offers whatsoever. The only thing that they have offered are XXXX dollar off next purchase, because of what we spent on our previous purchase. I know they are not the only store card company that stoop these tactics and it is very sad. The only reason I keep them is, it will hurt our credit if they close the account, because we loose that credit history. 

I'm to the point that I just might let them close it so I can be done with them once and for all. Yes, our credit will take a hit, but it won't take long for us to bounce back. They will definitely need us before we need them ever again. In fact, I will never apply for another store card period. They are the worst and they do more harm to your credit than good.

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 2020-02-04
Company: GOLDMAN SACHS BANK USA
State: KS
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:
In CFPB complaint XXXX Goldman Sachs lied.  Has not updated info as stated. 

See screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee.

On XX/XX/XXXX, Banco Popular reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report.

On XX/XX/XXXX at XXXX XXXX XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX pulled my credit report. I never had a XXXX XXXX XXXX product. I called and they said they cant tell me who pulling my credit to contact the credit bureau. I want them blocked from pulling my credit. XXXX XXXX XXXXXXXX has no right doing a inquiry on my credit if i didn't apply for anything.

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 2018-08-02
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
COMPANY COLLECTION LAW FIRM WILL NOT REPLY BACK AFTER TRYING TO RESOLVE OUTDATED DEBT IN GOOD FAITH AND OR " XXXX '' SETTLEMENT ... AND 2 OTHER COMPANIES ASKING FOR SAME DEMAND OF PAYMENT ... VIOLATION " FDCPA AND FCBA '' ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my mortgage company increased my escrow payment effective for XX/XX/XXXX. I contacted the mortgage company after receiving this in the mail on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I called I Informed them on several occasions that I was a XXXX XXXX service connected XXXX veteran on a fixed income and that the increased payment was going to be financially burdensome. After speaking to a representative at the company I was asked to provide proof that I would be receiving a XXXX veterans homestead tax exemption which would have made it possible for them to have my escrow payment lowed. During a conference call with my county and the mortgage company some records were sent to verify my tax exemption status. Those records were received by my mortgage company however, they have refused to lower my escrow payment after I have made several request, both in writing and verbally over the phone, with over 10 different employees. Some of whom I was told were supervisors. I have told them several times that they have overestimated my taxes due to my tax exemption but when I call they are often rude and not helpful. After trying to get this fixed before the new high payment went into effect, I am left here at the due date trying to come up with the funds so I don't loose my house.

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 2019-10-02
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: TD BANK US HOLDING COMPANY
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:
Good Afternoon, Td bank USA/ XXXX credit card is the company in question. XX/XX/XXXX to XX/XX/XXXX I was reported late by this company to the credit bureaus. That is 7 late payments that I was never late for. At the time I was mailing my payments in. Unknown to me the checks I was mailing were not being delivered to the company. The mailman was stealing my checks and using my banking information for fraud. At the time I was going through a divorce and was not paying attention to my finances as well as I should have. I was approached my the post master general and told of the situation and told the person had been arrested for check fraud. I should not be held liable for this. I have paid this account on time for 5 years and have 7 late payments that I am not responsible for. The account is current and paid on time. Soon as I found out my checks were not reaching the company I paid them again and the account has been current for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: DataMax Corporation
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I filed a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Salem XXXX   XXXX was showing ( 4 ) property tax bills that were fraudulent. Ref # XXXX you completed the investigation and they stated on XX/XX/2018 that they had reviewed all information regarding these accounts and discovered that they have all been closed and cancelled in there office on XX/XX/2018. These accounts have been marked for deletion on XX/XX/2018.

They had reported them on XXXX  on XX/XX/2018 now on XX/XX/2018 they have placed them on my XXXX. It appears they are continuing to replacing them on each credit reporting company 's. 

This is harassment and really need to be taken care of with them due to this being my second complaint. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information to the best of my knowledge is not mine hippa and ftc violation

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 2018-06-22
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several checking accounts have been opened in my name without my knowledge or consent. I have extended fraud alerts on all of my credit profiles but somehow these accounts STILL get opened. 

About two years ago someone broke into my apartment and stole several things, including my social security card, driver 's license, birth certificate and passport. It has been terrible. I filed a police report and FTC identity theft affidavit and have attached both. I also attached ID and letters from other banks that also opened accounts in my name, investigated them and found I was not the person who opened them.

I have my early warning services report and all of the reported information is incorrect. All of the account closures are incorrect because I did not open the accounts. All of the inquiries are incorrect because I didn't apply for the accounts. I have no applied for or opened a checking account in over three years. Anything new information reported within a three year period is not me and is a result of the apartment break in that resulted in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
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 recently pulled my credit report and discovered a collection account listed as XXXX XXXX in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Keynote Consulting, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About three years ago, a collections item surfaced on my credit report from Keynote Consulting in XXXX. It was a medical bill for {$160.00} from XXXX XXXX XXXX in XXXX XXXX, IL. I did receive services from this doctor in XX/XX/XXXX, but paid all my bills in full. This was verified by XXXX in the doctor 's billing office, who confirmed I had a {$0.00} balance and all bills had been paid in full. 

Thus, I disputed the collections item on my credit report and asked Keynote for a validation of the debt. I never received one. Three years later, this item is still on my credit report, and has been added to my wife 's. 

On XX/XX/XXXX, I called the billing office of XXXX XXXX to again verify there was NO DEBT owed. I then called Keynote Consulting and spoke to XXXX XXXX. When I asked why it was on my wife 's credit report as well, she explained that they are allowed to do that via the Illinois XXXX XXXX XXXX ( which by my understanding, applies to children 's medical expenses but not spouses ). I then reiterated that there was no debt according to the original creditor, and asked for a validation of the debt. She said, " This is a valid debt. Nothing you do is going to change that. '' When I asked if they could contact the original creditor to confirm there was in fact no debt, she responded they were " too busy '' to worry about stuff like that. 
I again asked for validation of the debt, and she provided me with an amount and no other information. I pressed and reminded her that under law, they must provide me with a validation of the original debt. She responded, " Listen, this is a place of business. I don't have time to talk about all this with you. I pressed again, and she said, " Fine, give me your address and I'll send you a letter. '' I then asked if it that letter was going to be a generic statement or a legal validation of the debt, and she responded, " That's it. I'm done. I'm hanging up on you, '' before hanging up. 

This non-existent debt has plagued my credit report and now my wife 's, even now three years later as we try to secure a mortgage. I only wanted to resolve the issue and have it legally removed, but Keynote Consulting has made that all but impossible by refusing to comply with the Fair Debt Collections Act.

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 2021-08-06
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I received an unsolicited loan offer from the predatory lending private equity firm Mariner Finance in the form of a check I could actually cash. I did not fall for their shameful, deceptive loan offer and have not opened the account. Presenting the loan agreement in the form of a cashable check is disgraceful - preying on the desperation of those needing to pay off other debts with a short-term easy solution ( just cash this check and the money is yours! ) while also driving that person deeper into debt. The terms are not favorable. Information such as payment dates and how to pay are not provided until after you open account solely by cashing the check. I'm disgusted by how craven this marketing approach is for this serious financial instrument - much different from the cash advance checks provided by credit card companies primarily because you already have an account with them at the time. I was likely targeted for this loan offer because of the bankruptcy still on my credit report from several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2019 XXXX XXXX ( DST ) MoneyGram Reference # : XXXX In the amount of {$50.00} with a {$6.00} Transfer= {$56.00} debited from my XXXX XXXX credit card. I sent this payable to my son, who has the same last name and resides in Hawaii, which means it was sent within the United States, from one state to another state. 
MoneyGram processed the request and assigned it a reference number for pickup and showed it as " available '' when checked online. However, when my son tried to pick it up he was told that it was not going to be processed. It was still appearing as " available '' on their website. 
This is probably the fourth or fifth time that this has happened and the amounts are not huge usually about {$20.00} to {$30.00}. They do not actually credit my credit card account unless and until I call them and request it. My bank approves the initial transaction and they for whatever arcane reason decide it should be rejected. It is their Fraud Department who makes this decision. There does not seem to be any rhyme or reason for their actions and whatever their reasons are-is a closely guarded secret. And there does not seem to be any way to reach these " Guardians of Fraud ''. This had happened a few times a couple of months ago so I stopped using them then I started to again and everything was alright until the last week. XXXX XXXX does not assign a transfer number unless a transaction has actually been approved by the sender 's bank and by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Mountain Run Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several letters asking for debt validation over the past 60 days and have not received any response from this creditor. According to FCRA 15 U.S.C. 1681g I the consumer have the right to demand all documents pertaining to this debt. FCRA 15 U.S.C 1692g 5 requirements must be sent to I the consumer and a debt must be validated in writing within thirty days of receipt of the letter. This creditor has violated this law. 

The first letter was sent on XX/XX/XXXX and the second letter was sent on XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
Citibank is not applying excess payments to the highest interest rate. They are claiming a lower rate balance transfer qualifies to be paid first because it has a promotional expiration date. That makes no sense - it 's not an interest free promotion ( deferred interest ) it just means the rate will go up when it expires. This does n't qualify as per the legal requirements.

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 2017-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Tried to fix, Experian agreed with me that i only had 1 late payment X/2014. They did not fix a incorrect payment they are reporting in 2014.

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 2023-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX  XXXX has made filed false statements to XXXX XXXX saying they have served me with papers and have not which caused me to miss court date because I did not know after this they have sent false documents to me saying they have been granted a default judgement on me this is how I found out about the lawsuit. I contacted the court and spoke with them and they let me know they have not sent any documents to me or them and there is no default judgement and want all paper work emailed to them immediately.

Company response to consumer: Closed with explanation