BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
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:
I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXXXXXX XXXX report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I would like all my information updated and remove for you database asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Lending Club Corp
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I had a loan with Lending Club which charged off around XXXX of XXXX. I contacted Lending Club in XXXX of XXXX to make arrangements to resume payment. I was advised that the debt had not yet been sold and that I could resume making payments. I resumed the loan with a payment in the amount of {$1700.00} on XX/XX/XXXX. I began a subsequent monthly payment schedule for the next 6 months at the amount of my original payment which was {$280.00}. I made these payments starting on XX/XX/XXXX until XX/XX/XXXX. When I set up the payment plan, I asked if I could schedule additional payments. I was informed that they could only schedule 6 payments at a time. I called back at the end of XXXX or early XXXX and scheduled a payment in the amount of {$560.00} which was paid on XX/XX/XXXX. I called back on XX/XX/XXXX and schedule a payment for the remaining balance which was in the amount of {$2300.00}. The payment was processed on my account on XX/XX/XXXX. At this time, the loan was paid in full. At the end of XX/XX/XXXX, I began receiving calls from a collection agency called XXXX XXXX XXXX XXXX XXXX. I advised them that the debt they were calling in reference to had been paid. The representative informed me that it had not been paid and maybe I had another loan. At the time, I reached out to Lending Club to try to figure out what was going on. The representative told me that I needed to speak with the collection agency regarding my issue. I advised the representative that the problem was that I had paid this loan off with Lending Club and that it was sold to a collection agency months after the payment was made. The representative acknowledged that she saw the payment, but insisted that there was nothing she could do. When I asked how I could go about disputing the information, she told me that they did not have a dispute process. I requested to speak with a manager and she stated that there was no manager available because she was working from home. She advise me that she would have a manager call me. I never received that call. After I spoke with Lending Club, I contacted the collection agency to see how I could dispute the item with them. The representative informed me that they do not have a dispute process. He advised me that the best they could do is not contact me, but that would not mean I did not owe them the debt. I subsequently received a notice from them with my loan agreement attached. I have also tried disputing this account 2 times with the credit bureaus and still Lending Club is refusing to correct the mistake. While I admit that the initial failure was mine, I did everything in my power to remedy the issue and make Lending Club whole. I am just asking for the same courtesy. I have been trying to get this matter resolved for 4 months with no success and an apparent unwillingness from Lending Club to correct their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX  XXXX Balance Owed : {$6600.00} XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: NH
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 a online account with equifax ( equifax owns XXXX XXXX XXXX so I can dispute that information on my credit report with them, without having to contact them via phone. I have been trying to get information removed off my credit report for over a year and they either delete it and put it back on, without proving information of where they are getting the source of the information and or they say the delete it and never actually delete it. They continue to lie to me all the time, They have an address of XXXX XXXX XXXX XXXX NH XXXX on my credit report. This address doesnt even exist. I have disputed this many times. XXXX XX/XX/2020 I disputed it again. As of XXXX in the morning of XX/XX/XXXX they said the dispute results have been completed. it states XXXX XXXX XXXX XXXX NH XXXX has been deleted XX/XX/2020 I logged in on my account with equifax and the XXXX XXXX XXXX XXXX NH XXXX has not been deleted. I took screen shots yesterday and today with the date of each time I logged in is at the top. I did another dispute again today because its a fraud address and doesnt exist. I drove to the beginning of XXXX XXXX and documented on video that XXXX XXXX XXXX doesnt exist. The st starts with XXXX XXXX XXXX. 

Where is equifax getting this information from there dispute when XXXX XXXX XXXX XXXX NH XXXX doesnt exist. Why are they keeping fraud on my account and lying to me? 

Attached is a multiple screen shots of my equifax account from yesterday XX/XX/XXXX and today the XXXX that proves they wont delete it when it doesnt exist. Attached is the results that say its been deleted but its not. 

XXXX video link below that proves XXXX XXXX XXXX XXXX NH XXXX doesnt exist https : XXXX XXXX attachments, attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On about XX/XX/XXXX my husband and I applied for refinancing home opportunity. This event revealed that we had been rejected due to " my '' alleged Collection status on XXXX XXXX XXXX for total of {$170.00} filed on XXXX according to TransUnion Credit Report Agency XXXX XXXX XXXX  XXXX, XXXX, PA XXXX I immediately contacted and personally visited XXXX XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX when Mr. XXXX XXXXRepresentative kindly agreed to email me an official statement from XXXX XXXX showing that in fact, I do not owe any balance due to XXXX on my still current cell-number XXXX which I had it since XXXX Furthermore, the account related to this number was classified as " Personal '' until last year when I decided to simply switch from " Personal '' account to " Business '' account retaining the same cell-number. For some reason, XXXX XXXX personnel did not properly closed this " personal '' account, however all balance due were switched to " Business ''  account but in a negligent mistake XXXX XXXX left a remaining open {$170.00} on this " personal '' account. It's worth mention that this account has been closed by VZ and as a Customer I could not login into this old acc #. This is the reason Mr. XXXX could access to this old acc # being an authorized XXXX Representative. I first spoke to TransUnion Representative on XX/XX/XXXX Representative to explain that this Agency needed to correct this erroneous data showing Collection status on my behalf. I spoke to 2 Representative, none of them spoke clear English. I decided to file online investigation at TransUnion website -and also mailed my Dispute to their XXXX XXXX explaining and presenting official document sent by XXXX XXXX reflecting that : 1 ) That old acc has {$0.00} balance due and 2 ) CURRENT account to date reflects NO balance due to XXXX since I am still a Customer of XXXX. TransUnion Credit Report still insists on leaving this detrimental false report on my Credit ( not other 2 Credit Report Agencies are reflecting this mistake ). I consider this to be a breach and abuse against a Consumer on TransUnion part. XXXX XXXX has issued an official document reflecting {$0.00} balance due for both accounts : Personal and Business but still TransUnion disregards this fact. I respectfully request from CFPB your intervention to solve once and for all this issue. Thanks.

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 2019-03-11
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I submitted a dispute online to the credit bureaus to dispute a claim from XXXX XXXX XXXX. The collections company is XXXX XXXX XXXX. They have constantly called me and as I checked my credit report I noticed the dispute was never answered. So I contacted them on XX/XX/XXXX and verbally disputed the claim. I received a letter in the mail from them dated XXXX XXXX, XXXX that they were needing additional information from the company and needed additional time to contact me of the results. On XX/XX/XXXX I contacted Warfield to inquire if they had heard from the company. The told me they had not received a response. I asked how long before they waited until they considered my case founded. The company claimed I owed them money for damages to an apartment that I gave early termination notice of the lease, but paid the lease in full for the month prior to vacating, AND I did a walkthrough video of the condition of full apartment. Since I paid the rent in full for the month I still had possession of the keys. When I went back the appliances had been removed from the apartment. I questioned the management and they said they needed for another apartment. I later received a bill in the mail for damages, which I disputed then and now. I still have the still pictures and the video of when I vacated the apartment. To date they have been noncompliant with trying to resolve this matter in removing this false and negative collection from my report. The confirmation # Hunter Warfield gave me is:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I submitted a us postal money in the amount of {$1000.00} to the WELLS FARGO HOME MORTGAGE ( WFHM ) in XXXX XXXX to finalize refinancing for the mortgage at XXXX XXXX XXXX, XXXX, Maryland XXXX. This was the final step in obtaining a refinancing pursuant to the Home Affordability and Refinancing Program, initiated by then President Barack Obama of the United States of America to assist distressed home owners due to hardship, HARP Program, an executive order of the President. I originally submitted a handwritten complaint on XX/XX/XXXX via fax, fax # XXXX and have not received a complaint number. Mr. XXXX XXXX, a Wells Fargo Customer Care Specialist did call me at home, on a recorded and monitored line, from XXXX Ext.XXXX to my home number, XXXX, on XX/XX/XXXX at XXXX EST. This was a callback after I called him. During this call Mr. XXXX acknowledged that 1 ) we had applied for HARP protection, 2 )  XXXX XXXX was handling the HARP request, 3 ) the money order for {$1000.00} was redeemed for cash by WFHM and 4 ) he would be forwarding written confirmation of this to me. I have not received anything. Mr. XXXX called again on XX/XX/XXXX at XXXX to say he was not finished.

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 2021-11-03
Company: U.S. BANCORP
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
On XX/XX/21 I spoke with XXXX and renewed my CD for 17 months at the rate XXXX. XXXX told me that he renewed it and will send me a copy of the CD. But he failed to renew it. 
On XX/XX/21 I spoke with XXXX, she told me that manager will renew it and will give me a call and send me a copy of the CD. But I never received any call or copy of the CD from the manager. On XXXX spoke with XXXX, she told me to call back. On XX/XX/21 I spoke with XXXX, she told that CD has been renewed and manager will call me within an hour and send me the copy of the CD. But I never received any call from the manager.

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 2019-09-08
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
had a 2yr lease w/ GMF w/ autopay. 1st pmt made at the dealer, leaving 23 in lease agmt. 22 pmts pulled correct, the 23rd pmt was cncled, GMF admits their partner, XXXX XXXX, cncled last pmt. I did not know or authorize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: Fairway Capital Recovery, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had returned a call from a robo dialer that I received on my cell phone ( in which is a absolute no no for collection agencies to call a cell phone from ). The lady on the other line did not ask if I was the right party only if I received the call at that number, she then proceeded to tell me of a debt that was owed for a apartment complex without proper verification. She did not give the Mini Miranda as required by the FDCPA either. This company has violated laws in accordance with the FDCPA, State and Federal laws First : Calling my cell phone from a Robo Dialer Second : third party disclosure Third : No mini Miranda was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Brief : XXXX XXXX miscalculated my AGI in XXXX of XXXX and discontinued my payment schedule under Income-based repayment. This caused two problems 1 ) my payment went up and 2 ) ~ {$15000.00} of interest capitalized on my  account. It has now been 9 months since XXXX XXXX error and I have spent >20 hours on the phone with them and the issue has only been partially resolved. I am now re-enrolled in IBR and my payments are back to the correct amount, however the interest that capitalized has still not been corrected, and continues to accrue compounded interest. 

XX/XX/XXXX : XXXX miscalculates my AGI, and discontinues IBR. ~ {$15000.00} of interest capitalizes and my payments increase to XXXX standard level. 
XX/XX/XXXX : I am advised not to pay the XXXX standard level ( ~ {$1800.00} ), but to pay my IBR amount ( ~ {$740.00} ). If i overpay and the issue is corrected, I was told it would be a lengthy process to get a refund from the 'Treasury '. I placed TWO requests with XXXX : 1 ) Re-enroll me in IBR and correct the payment amount ( Override request ) and 2 ) Un-Capitalize the capitalized interest ( ~  {$15000.00} ). 
XX/XX/XXXX - I am re-enrolled in IBR and payments return to correct level ( ~ {$740.00} ). However, the payment form XX/XX/XXXX is still " Overdue ''. 
XXXX : I spend >15 hours on the phone on separate occasions to expedite the payment override request, as I receive angry emails from XXXX for my " Overdue payment ''. It is finally resolved just prior to the payment being reported to the credit bureaus. 
XXXX : I spend > 5 hours on the phone attempting to resolve interest capitalization issue only to find out that the poorly-trained XXXX agents did not place the correct interest capitalization review. ( I was told they un-capitalized a single day 's interest from XXXX ). A NEW interest capitalization review is placed after a lengthy discussion with an agent that did not believe my interest had been capitalized ( see attached statements for proof ). 
XX/XX/XXXX : I called to check on status of interest capitalization review and was told that no estimate could be provided on when it may be resolved, if it was likely to be resolved, or any party I may contact to have these questions answered. 

My requests : 1 ) Please un-capitalize the ~ {$15000.00} and all compounded interest that  continues to accrue on my account ever since the XXXX error occurred XX/XX/XXXX. 
2 ) If the task can not be immediately performed, please inform me WHEN this will be completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with XXXX but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion makes it extremely difficult to file disputes online. They tell you to click on things that never appear on the screen. I have screen shots of the whole terrible time i had trying to file a dispute. They say click on 'start an investigation ' next to the listing youd like to dispute but there is no such item. They clearly want to deter people from filing a complaint online. Im going to have to submit by mail lets see how thst goes they probably will claim they never received it. As you can see on the attatchments i uploaded you will see their instructions to click view in the results column but their is no such colum and when i click on my name it does nothing.

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 2020-09-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The company agreed to refund me to refund the interest charges initially since I was misled by the representative on the online chatting. Called in many times to track the status and they went back on their word after 4 months ' waiting. Really disappointed about their inconstant service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account balance was paid in full and closed. Thus far, they refuse to update the account showing as much. Despite multiple disputes with Experian, the account has not been updated and according to Experian, XXXX continues to report an account balance. This is impacting me financially and my ability to secure another loan for a house. In addition, XXXX listed a non-working contact number ( XXXX ) on the credit report.

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