BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
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: Investigation took more than 30 days

Complaint:
I made an complaint about several inaccuracies on my credit report and have yet to receive any response or results and it has been well over 45days. i have not been cintacted i have also provided proof

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 2022-02-28
Company: EQUIFAX, INC.
State: MS
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 INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 
The following Inquiries are Fraudulent : XXXX. XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account XXXX : **** Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 Please remove it from my credit report. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Please remove it from my credit report PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: One Source Technology
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am seeking your help diligently because I was denied a job for a background check. The hiring manager claimed everything was a go and I did the drug screening, fitness exam, and even a XXXX physical to find out later on that human resources denied my employment. I applied to be a XXXX for XXXX XXXX who in turn used ASURINT ( background company ) to run a background. After being denied because of this, I researched and found out that ASURINT should not have gone back further than 7 years into my past especially if the jog was going to pay less than XXXX per year. XXXX things based upon my preliminary research. 1. ) Background check : 7 years back ( 2 ) Makes less than XXXX per year. I thought E.E.O.C., F.T.C., and you all had rules in place regarding hiring people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I visited XXXX XXXX XXXX in XXXX, GA in XXXX of XXXX. I updated my Medical Insurance information on the computer and returned it to the receptionist. She did not enter the new insurance company and so my information went to XXXX XXXX XXXX XXXX instead of XXXX. This is when problems began. I then in XXXX received a bill for {$930.00} for lab work. I immediately called the billing department and spoke with XXXX who seemed knowledgeable. I told her I was not paying on this bill until I got a proper bill from them. She agreed and said she would note. Then after that at I received a bill and starting paying on it. It took about 3 months before they rebilled me. I made payments and have records of every single bill I paid. I missed maybe two payments because of a death in my family and the fact that they did not always send me a monthly bill. I had unexpected bills from the funeral. So I made a payment on XXXX XXXX over the phone with the billing department for {$50.00}. I asked the lady if I could pay it in full and get them to reduce the bill. She said let me check, after about a 5 minute hold she returned saying yes but it would be {$590.00} to pay if off. That was {$120.00} more than the actual bill. I said well I will continue to pay the {$50.00} a month. The next week I get a bill from LCA collection agency. I called XXXX and asked why the lady in billing did n't say anything to me on XXXX XXXX, XXXX when making the payment. No answer. Just simply stated that was nothing they could do. I beg for some compassion and mercy. My house had been hit by Hurricane XXXX and is not live able and still after a 109 days I am still not back in my house. I would like to know why they charge interest on a medical bill. No other Dr. that I see does that not even the hospitals in this area. Also, they claimed they sent out a bill stating I was going to be turned over to a collection agency and I told them I never did. It then took them 12 days to send me XXXX. I have gone to their website and read there reviews and I am not the only XXXX. I simply needed a little kindness. I guess that does n't exist in this world anymore. Please help in anyway possible and if you ca n't help me at least make sure this does n't happen to anyone else who sees XXXX of these Doctors at XXXX in XXXX, GA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In approximately XX/XX/2015 I contacted Navient and requested the total amount due to bring my account current. The Navient representative provided me with a specific sum that needed to be paid to bring the account current. However, the information given to me was wrong and I was not advised of this fact until approximately 3-4 months later. At that time a different Navient representative advised me that I was given the wrong amount due XX/XX/2015 and that for the past 3-4 months I was past due and would be reported to the credit bureaus. Essentially, I relied the the Navient representatives representation to my detriment. This detrimental reliance caused me to suffer financially and has now directly impacted my FICO score and my ability to refinance my home loan. It is noted that this is not the first time that a series of actions like this have occurred and in fact this occurred approximately 3 times with Navient 's predecessor XXXX XXXX. The worst part is that Navient acknowledges that they made a mistake but takes absolutely no responsibility in remedying the problems they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: IL
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 two credit cards through XXXX. Around XXXX/XX/XX/2019 one of my on-time XXXX credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting XXXX support several times and their investigating, I was finally connected to a XXXX XXXX XXXX XXXX ) in XXXX XXXX " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). XXXX and Experian have not removed the late payment - XXXX has. Despite submitting a dispute to Experian and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from XXXX is still pending. I am including all three companies : XXXX, Experian and XXXX on this complaint.

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 2015-05-04
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Reporter to credit agency is XXXX. They inaccurately report rental property addresses on property that I own to be personal residences of mine. Makes me look like I have lived in XXXX different places, many times simultaneously. Have tried to dispute with Experian, and update failed to address the disputes. possible XXXX issue is XXXX reporting utility billings as loans, where credit limit is {$0.00} and balances are listed as greater than loan limit. 
At this time, these uncorrected errors are costing me thousands of dollars per year in property insurance costs as insurance companies ( XXXX and XXXX XXXX ) have begun incorporating credit score into premium rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ON XXXX XX/XX/2022 our mortgage company, BSI Financial Services, notified us that it approved our request to close our escrow account. Since that time, BSI has failed to provide a new payment amount ( reflecting only principal and interest ) and has also failed to provide us the amount remaining in our current escrow account. When we spoke to BSI Financial today, after four days of unsuccessfully trying to reach someone in customer service, we were told that they could not contact the escrow company directly, and could only send an email message to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: CA
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 have forwarded all information to XXXX regarding identity theft and they will not remove or respond, other than saying that I am responsible for the debt and they have proof that this information is unverifiable and is willfully refusing to stop reporting to the credit reporting agencies. They also do not respond with the proof that show I owe this debt. I am going to sue this company the credit reporting agency and CFPB for not acting on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XXXX Santander consumer usa billed me for {$11000.00} dollars and was sent to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said if I don't pay them it will continue to damage my credit. It's been 52 charge-offs and now the Past due amount is {$3600.00}. They never notified me of the payments and just sent it to collections I now can not rent apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made reservations with a website XXXX on XX/XX/XXXX for a honeymoon to take place on XXXX XXXX through XX/XX/XXXX. Due to the covid pandemic XXXX canceled our tip in XX/XX/XXXX. Their phone numbers all led to a robot recording that said to refer to their website and then hung up on you. Then the website and cancelation emails said they were unable to issue refunds at this time and to contact your cardholder to get a refund. I contacted my bank Commerce Bank to dispute the charges and get my money back but they said it was out of their scope since it was past 60 days of booking the services. I am out {$2300.00} total for services untendered of XXXX XXXX. My claim with my bank was made in XX/XX/XXXX. They have denied my claims twice now. I sent them every email communication between me and the XXXX.XXXX  and the phone number for the company as well. I have banked with this bank since I was 18 and they didn't care to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX     2016  and  XXXX   2016 .     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.     I even called and go the late fees waived because I did n't get the statement and paid my balance off right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding a transaction with XXXX XXXX XXXX XXXX I have a one year contract with them. The contract number is XXXX I wanted to use my home warranty plan to cover the cost to replacing my kitchen faucet which had started leaking. I had purchased my own faucet that I wanted to have installed in my kitchen. I contacted XXXX XXXX XXXX XXXX about this and they created a work order for this job. The work order number is XXXX XXXX XXXX assigned this plumbing job to one of their in-network plumbers called XXXX XXXX XXXX and XXXX ''. The date of service was XX/XX/2022 The plumber arrived on the day of service and he indicated that he could replace the leaky faucet ONLY with the replacement faucet that he carried with him and not with the one that we had purchased/wanted. 

We did not like the style/color of the faucet that he carried with him and and since he would not agree to install our chosen faucet, we told him that we did not want his services. 

The plumber left without doing the job but I received a bill from XXXX XXXX XXXX XXXX for the service fee ( {$85.00} ) I tried calling First American but their wait times are too long. I also wrote a letter to them explaining this situation. I have not received any response yet. However, XXXX XXXX has transferred this case to one Debt Collection Agency ( A.R.M Solutions Inc ) and that company keeps sending me mails about outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I XXXX XXXX the consumer I am writing this statement and no other. I sent a dispute to EQUIFAX using the FCRA 1681b not giving EQUIFAX any consent to furnish or report anything on my consumer report. This is in reference to XXXX XXXX XXXX account They sent me a letter stating that this iI need to send ID which was included when I sent the dispute.this is part of their stall tactics. I am here to file a complaint against Equifax for non compliance. I have attached the letter sent to them received on XX/XX/25 tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Someone at XXXX claim I had a Barclay card which I do not have. I told her I check my credit report every day. I do not have any new accounts at all. The woman who sound like an older woman, claim I was going to be taken to court over this debt. I asked to speak to her supervisor. She claim she has none.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was shopping auto insurance and XXXX told me that there was a accident claim on my report. They gave me the company information and I went to the company website to ask for a copy of this report and 45 days later I receive a letter in the mail that instructs me to go to a link on their website and enter a code. I did this and the link does not work. I want a copy of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: LEXISNEXIS
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:
Received from LexisNexis Services Inc. a credit report on XXXX the report was also sent to my home owners company, XXXX XXXX. In the report from LexisNexis was a Reason Code XXXX that my home owners company, XXXX, said was a Negative Indication of Risk. 

I called LexisNexis Service on XXXX and XXXX concerning the Reason Code XXXX. The people I talked to, talked around the Reason Code XXXX and I was not satisfied with their lack of an explanation. 

Per LexisNexis Services, the Reason Code XXXX is based on this : 1986 year I opened my credit union credit card account. 
81 years, 977 months that my credit union credit card account needed to be open to NOT give me a negative indication of risk. XXXX year when credit union cre dit card account would be open for the 977 months. 
XXXX year I will be XXXX YEARS OLD. 

This XXXX months is unacceptable and makes no common sense. 

My credit union credit card has no history of a late payment or abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: MI
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:
I am the original creditor and natural person. I did not give written consent for them to furnish my consumer report. An medical information is not suppose to be reported on a consumer 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 non-monetary relief
Consumer complaint received 2020-03-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I paid a seller using PayPal personal payment method the amount of {$790.00} + {$4.00} PayPal fee XXXX {$790.00} total ) for a brand name watch. I have had many transactions with the same seller in the past and never had any problem, so I did not hesitate to make the payment. The seller then sent me a fake watch. I already tried to work out with the seller but he refused to accept the return for a full refund. 

The detail of the transaction including the amount, the transaction ID and the recipient information is listed below. 

Paid with XXXX  XXXX XXXX ( XXXX ) Your backup is MasterCard XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX {$790.00} Fee {$4.00} Total {$790.00} I submitted a case with PayPal, and after almost a month PayPal came back with the decision made in favor of the seller. PayPal reason was that I used personal transaction and that there was nothing they can do since personal transaction do not have buyer protection. PayPal asked me to contact the bank to see if they can help. I did contact the bank. The bank could not help because they do not have all the information related to the transaction. They said the transaction was initiated by PayPal and not by them, so PayPal should be able to do something about it. 

I contacted PayPal again and relayed the bank message and did escalate to one of the PayPal manager, but the manager said that personal transactions are indisputable and turned me away.

I realized and understand that I might have chosen the incorrect method of payment, but that does not mean that PayPal can not do anything about it. The transaction was initiated using their system. They have all the information related to the transaction. They should be able to do something about the transaction. There are no clear indication anywhere on PayPal website that personal transactions are indisputable. I simply just want to return the fake watch the seller and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Velocity Portfolio Group
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter for an account i have no knowledge of, I have been diagnosed as completely XXXX and unemployable from XX/XX/2011 and didnt open any loans nor have I worked in 11 years to receive any income besides XXXX. I reached out to the company by email, and certified mail to verify this debt and to cease collections until they verify the debt and for them to send me information regarding this debt, unfortunately this company never sent me any correspondence concerning this debt and immediately filed a illegal lawsuit against the fcra laws for a debt I have no knowledge of. The email, phone and address on this debt civil suit is not associated with me I never stayed our own the email our phone number.

Company response to consumer: Closed with explanation