BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: LEXISNEXIS
State: NY
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:
Lexis Nexis is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSWORLD SYSTEMS INC
State: MD
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 have two account in collection on my credit reports that do not belong to me. The first is XXXX XXXX XXXX XXXX for creditor XXXX XXXX for {$380.00} made on XX/XX/2022. The second is Transworld Systems XXXXfor creditor XXXX XXXX XXXX ( Utilities ) For $ XXXX called XXXX first and all their systems were down until Monday. Then I called the collector XXXX XXXX XXXX and they told me to call XXXX XXXX. I called them and they said I needed to contact the FTC. I found them online and was directed to CFPB. 
These two accounts do belong to me. I assume they belong to two fraudulent names on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX. 
Both from Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We filed a complaint with Consumer Financial Protect Bureau, CFPB Ref. No.XXXX, PNC Ref . No. XXXX. I went to provide feedback or rebuttal, and thinking that since the last day to submit the rebuttal was on XXXX XXXX, that I would have till midnight to submit it. When I logged in, the system would not allow me to provide feedback ( rebuttal ). 
So, I am filing the rebuttal as a new complaint and referencing the CFPC Ref. No. PNC 's Response was dated XX/XX/2023. I have attached the Rebuttal document with attachments, to an uploaded file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-05-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The Property foreclosed ( XXXX XXXX XXXX XXXX XXXX, Al. XXXX ). Loan payments and renovations made to the property was not reimbursed. Seeking to payment and information on how the loan payments were applied by Wells Fargo. 

There was an agreement between the owner/seller and the buyer/renovator. A Quit Claim Deed discrepancy was challenged by the seller who requested the property be returned to him. {$850.00} was paid on the WELLS FARGO loan for 3 years by the buyer/renovator. 

Funds were not returned to the buyer/renovator. 

At some point it was shared that the first owner had missed payments that he did not disclose to the buyer. 

Ultimately, the house was foreclosed. No money was returned to the buyer. The buyer has paperwork indicating payments made to WELLS FARGO and the Quit Claim deed. 

There is no proof that the loan payments made by the buyer/renovator to WELLS FARGO were applied to the loan. 


Please contact us for names and additional proof of information in this complaint. 

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 2023-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I took out what I believed was a Line of Credit Loan with XXXX XXXX  in XX/XX/XXXX. The loan amount was {$39000.00}. The interest given me was 9.125 %. I began in XX/XX/XXXX paying {$320.00} monthly. I don't know exactly when, however SPS, Select Portfolio Servicing acquired this loan, I'm thinking. around XXXX but could have been sooner or later. 

I have 2 complaints reference this loan.

1. Somehow, someway this became a 2nd mortgage with XXXX. I have owned 3 houses and have never agreed to or had a 2nd mortgage. I don't believe in them. I recently got the original paperwork from SPS and can see what appears to be a stamp or a statement added stating 2nd mortgage.

2. As stated above the monthly payment is {$320.00}. However, for as long as I can remember, for many years I have been paying {$320.00}. By my math I estimate to have already paid nearly {$60000.00} on this {$39000.00} loan. How much interest is enough? I've long ago paid back what I borrowed. Yet, after 16 years of making these monthly payments, SPS shows a balance due of {$23000.00}, which is also the payoff. So paying nearly {$60000.00} on this {$39000.00} loan over a 16 year period has resulted in only {$16000.00} off the loan amount. Almost {$45000.00} in interest. 

I believe this to fall in the category of " predatory loan. '' As a XXXX customer and a XXXX male I was included in the modest payoff ordered by the Justice Department against XXXX. At the very least it is a bad loan, not fully explained or understood. And again, as stated above, I did not, and never would have agreed to a 2nd mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Nationwide Credit & Collection, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by Nationwide Credit Inc about an XXXX XXXX card and fees on it which was not opened by me or charged by me. I already called XXXX XXXX about this issue. I therefore asked already to please remove this from my credit file. Please review nd remove this false information as I did not open or operate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Innacutate information

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 2023-06-18
Company: SANTANDER HOLDINGS USA, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Option for issue was not available. This was the closes option. XXXX XX/XX/2021 I was injured at work causing me to go to the ER and doctors multiple times. XX/XX/2021 I was provided letters from my doctors putting me on XXXX leave causing my income to drop and my medical bills to sky rocket due to needing XXXX XXXX. I contacted Santander Bank to ask if they could defer my payments or work with me on payments due to medical and financial issues. I was denied and told they could not help me other than to push my payment back a few days. During this time I was left XXXX and on XXXX. XXXX refused to work with me on payments or allow me to speak with anyone else. They stopped answering my calls after awhile. My vehicle was repossessed a few months later. I received a notice shortly after in the mail stating I owe a remaining balance of {$6700.00}. I have not heard anything from the company since the collection was posted on my credit report. I can provide medical bills and doctors/ ER visits if needed as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
It started when I was booking reservations with American airline flight. While I was reaching the balance to pay an ad window came promoting a credit card application with CITI bank and receive {$300.00} discount on the balance and some free miles. I applied and approved instantly most likely because I had good credit score. However, the discount promoted was not applied to the balance instantly as it appeared in the ad window. When I came from the trip, I received the first statement. Reflecting the total balance with no discount. I called CITI bank customer service and was told it will be reflected next month or after the next, they said " sometimes it takes time to be applied and I should submit the monthly due. XXXX I did but months later I still never successfully any resolution even I requested investigation and bouncing back and forth between Citi bank and XXXX XXXX. Every time I called, I got the run around by Citi bank agents. This started back in XX/XX/2022. Current balance XXXX with added fees and interest which didn't plan on accumulating. I would have paid my total balance if it was should have been after the discount.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2023 letters were sent out to the bureaus to correct inaccuracies on my credit report. Incorrect names, addresses, phone numbers and employers were listed and I asked for the removal and deletion of these items. There were also unknown inquires listed that I do Not have an account for and are unaware of who requested these inquires without my written consent. I want all these inquires deleted as stated in my FTC 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
Consumer complaint received 2023-05-01
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts XXXX accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 2023-05-01
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:
My research on FCRA 605 indicates that Credit Bureaus are required by law to remove and prohibit any goods that are discovered to have been opened as a result of identity theft. Once more, it looks that my credit with you has been damaged. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. Credit Bureaus must remove the following items, which are stated below : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I found inquiries on my credit report that do not belong to me

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 2023-05-01
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I would like to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
XX/XX/2023 added {$100.00} in XXXX WA XX/XX/2023 {$3.00} XXXX transaction in XXXX XXXX, XXXX, CA XX/XX/2023 {$100.00} transaction to www.cookiesagency.com, XXXX XXXX XXXX, NY Money was spent before the card was opened. 
Called helpline ( XXXX ) only to be transfered 4 times and hung up on. Noone I talked to was the " right department ''. 
Company is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is my fourth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2022-12-27
Company: Experian Information Solutions Inc.
State: MA
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:
XX/XX/XXXX- I was 5 days late on my credit card payment to XXXX XXXX XX/XX/XXXX - XXXX XXXX offers me a settlement for 60 % of amount owed on credit card XXXX - XXXX I call about terms of settlement XXXX Explains is I take agreement they will take the payments out of 12 months and tat the end of the 12 months the account would be a closed and it would be reported as settled for less than amount owed I agreed. 

I gave them my bank information I called back in the middle of XXXX of XXXX to see if they would be reporting payments to credit. They said they would not be making any reporting to credit that the account was just agreed to be settled for less than full amount. 

I paid through my bank automatic withdrawal for 12 months. 
Than at the end of the 12 months XXXX marked me 30 days let for XXXX of XXXX the first month of the payment plan and XX/XX/XXXX. The last month of the payment plan. 
Again I was not late either of these months. 
I called they said they would fix it and they have since marked me late each month since and I do not owe them any money. 
They have not stated the account is charged off. I never was never late and I was never in collections. All my conversations were on re corded lines and payments were directly taken out of my bank account.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief