BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I had received a letter from my previous employer about a data breach. I submit a request to Transunion to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't delete the address below and it needs to be deleted as it is n't mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: LEXISNEXIS
State: VA
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 XX/XX/2021 I contacted Lexis Nexis via telephone to dispute the Bankruptcy listed on my consumer disclosure report. I was told that the Bankruptcy was verified through the courts On XX/XX/2021, I contacted Lexis Nexis at XXXX and spoke with XXXX I asked XXXX about the status of dispute concerning the Bankruptcy listed on my file. She said that Lexis Nexis contacted the Bankruptcy Court in XXXX and said that Bankruptcy Court verified it. I told her how could XXXX XXXX verify this public record when the policy from the Courts of the court not to report or provide information to credit bureaus or third party agencies like Lexis Nexis. 

When I confronted XXXX, she tried to change her story and say Lexis Nexis verified the Bankruptcy through other 3rd parties to which she did not name or could not name. 

It was very evident that there is a breakdown in the truth and the information is not truthful that is coming from Lexis Nexis.

But how if the courthouse does not communicate with any credit bureaus ( LexisNexus is governed and regulated by the FCRA )? I find this information false, misleading, and should be removed from my Lexis Nexis Consumer Disclosure File. Under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available * The Bankruptcy Case Number listed on my Lexis Nexis is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Several months ago I received a debit card from TD Bank which I did not request or apply for. I promptly cut it up and threw it away. 
Two days ago I received a bill for {$33.00} from TD Bank for Sustained OD Fee, Maintencance Fee, Paper Statement Fee. 
I have called TD Bank twice and after lengthy telephone hold periods I was asked for the last XXXX digits of my social security number ( how did they get that ) and told to go to a branch office to cancel this fraudulent account. It is not convenient for me to go to a TD Branch office. Please see the attachment. Thank you very much for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I was two days late paying my American Express card bill. They charged me a late fee of {$27.00} plus interest of {$86.00}. That much I can accept. However, I paid the next statement on time, and they charged me an additional {$90.00}. They call this " trailing interest '' and say this is in their cardholder agreement. {$200.00} for being two days late seems excessive. I feel cheated, especially since my payment record has been otherwise perfect since 1999. My FICO score is more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX 2015 I notified the credit bureaus that I was a victim of ID Theft and sent in police report, utility bill ( as proof of address ), ID Theft Affidavit, social security card and drivers license and requested the freeze. I sent certified to Experian and they signed for it on XXXX XXXX. I did not get a response. I resent all the documents on XXXX XXXX, 2015, and they signed for it on XXXX XXXX 2015. I still never received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I just filed two complaints with this bureau about Serve. The original charges I have tried to get disputed and could not, I am in the process of trying again. AND ONCE AGAIN, I AM BEING SHAFTED AND REFUSED THE RIGHT TO DISPUTE FRAUDULENT CHARGES!!! THE PEOPLE WHO HAVE REFUSED ARE : XXXX, XXXX, XXXX, XXXX, AND XXXX, WHO ARE GIVING ME THE SAME XXXX ABOUT AS REP 'S THEY DO N'T DO THAT. XXXX even connected me to the Account Protection, WHICH WAS CLOSED!!!!!!!! I 'M SICK OF THIS!!! I wa n't these amounts put into dispute : XXXX/XXXX/2015 : J. Department, {$10.00} ; XXXX/XXXX/2015 : XXXX, {$4.00} ; XXXX/XXXX/2015 : XXXX XXXX, XXXX ; XXXX/XXXX/2015 : XXXX XXXX, {$11.00} & XXXX. They 're giving me all kinds of lies. A couple of weeks ago, I was successful at getting something put into dispute. Now, suddenly, this policy does not apply and I need to speak to account protection. This is GARBAGE AND THEY KNOW IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a notification through a credit monitoring system that a collections account was posted in my credit report. I found the information of the agency and after I called them they realized that the collections account belongs to my dad, and it 's related to a medical service that my younger brother received, at least that 's what they said. At first they refereed to my brother as my " son '' which is another obvious information mismatch and I clarified to them that I 'm single and I do n't have any kids. My dad and I almost have the same name, and we used to live in the same place but my birthday and SSN is obviously different. They told me to open a dispute with experian so when the collection agency receives a letter the will remove the account from my credit report. I tried to submit the dispute online with experian but the website told me to call them personally when this specific kind of issue ( mixed information ) happens. When I received the results of the dispute they stated that the collections account will remain in my credit because it belongs to me ( even though that the collection agency verified that it belongs to my dad when I called them ), so I went ahead and called again to open a second dispute but the result was the same. I do n't understand how my Dad 's and my credit report can get mixed up if with have different birthdays, and SSN. I do n't have any other credit history before 2014 because I was n't even in the country by that time. If you check all my other accounts are in good standing, and I have no problem to pay such a small amount, but the collection account is simply not mine. I provided my ID so you can verify that my information ( SSN, Birthday and second last name ) does n't match with the information that the collection agency has on record. I also provided experian with documents but I do n't know if they even used them. I also attached the report number and disputed item

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 2016-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible.

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 2021-03-22
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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:
This account is incorrectly showing up on credit report as it has already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: ACCESS GROUP INC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended law school from XX/XX/XXXX-XX/XX/XXXX. I took out Stafford subsidized and unsubsidized loans each of the  three years. In XX/XX/XXXX, I consolidated my XX/XX/XXXX loans with XXXX ( Access Group ). In XX/XX/XXXX, I  consolidated my XXXX loans also with XXXX  ( Access Group ). With both consolidated loans, they remained in forbearance until I graduated in XX/XX/XXXX. When I signed up for the consolidation, as an incentive for consolidating with XXXX, I was promised a 1.00 % rate reduction upon 36 on-time payments. Unknown to me, by consolidating the loans at the time I was still in school ( and in forbearance ) it made me permanently ineligible for the 1.00 % reduction. My loans were transferred to XXXX, and then recently to XXXX. Only now that the loans were transferred to XXXX did I learn that I have not been receiving the reduction for the last 8 years because of the in-school forbearance. Had I known of the permanent ineligibility for the reduction, I would not have consolidated with XXXX at the time that I did- I would have waited until after I graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint Mortgage took over my loan 6 months ago not by my choice. Ever since then I 've had nothing but problems. I have paid my mortgage and esgrow for 11 years and have been transferred to XXXX diffrent banks without issues. First this company dropped the ball on my insurance info and tried to put me on there insurance than 4 months later I got a statement saying I was XXXX dollars short acording to there Esgrow Anyalis Department they tried raising my monthly payment from XXXX to XXXX a month becuase they estimated my property taxes to go up double that is totally bogus. I have never been that much short ever I 'm a Vetran on a VA loan and I understand taxes and insurance go up but to raise my payment from XXXX to XXXX becuase there analysis department projects that which is completely bogus after talking to my local tax appraisal is XXXX I worked really hard and refinanced to keep my monthly payment low and when I called there bank all I could get is sorry that 's what our analysis department projects. There is no way on a homestead your taxes jump XXXX dollars in 11 years they went up XXXX dollars

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 2015-05-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Experian however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Experian and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Experian and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a certified letter to Experian, XXXX, and XXXX disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. XXXX and Experian have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.

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 2016-10-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed with the credit bureaus and XXXX several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that XXXX no longer has the loan and I do n't understand how the credit bureaus and XXXX are reporting and updating my credit report showing late payments when they no longer own the debt any longer.

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 2015-04-16
Company: Patient Account Services, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt in full as of XXXX XXXXXX/XX/2015 to XXXX. The unpaid collection continues to be reported by Patient Account Services. I requested a verification of the debt and received a response dated XXXX XXXX XX/XX/2015 stating the current balance on this account is still {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Through XXXX and XXXX, my credit report shows that my XXXX XXXX account is " closed '' and in collections. On my Equifax report, it is showing that it is " open '' and in collections. Because it is listed as " Open '', and payments are going to a collections agency rather than the original lender, I am incurring " missed payments '' on my Equifax report. I filed a dispute, and the account 's closed date was verified, but was still not updated on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have requested validity on a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you in hopes this will be either updated or deleted. 

The response I get from the CRA 's is that this info was validated through another system. 


Thanks in advance for your help! 
XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2016-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX Now that I paid off in full. But it is not being reported as so on my 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
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my annual credit report at Annualcreditreport.com and Experian advised that they were unable to provide my report online and that I had to mail in identifying documents in order to request my credit bureau. I saw that you could upload copies of identifying documents online, so I went to the trouble of scanning and uploading these documents and got an error message back saying that these documents were not able to be uploaded. I then went to the Experian website and tried to sign up for their " Completely Free and Easy '' monitoring service and got an error message that there was an " internal error '' and that all my information had been deleted. You should n't be able to call yourself a credit reporting company and not be capable/willing to provide your consumers to information that is rightfully theirs. I could make a manual request through the mail, but this company should not be allowed to claim to offer free credit bureaus if it is unable to do so.

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 2015-04-30
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern : I have lived in New Jersey since XX/XX/XXXX, and I bought my home in XXXX in XX/XX/XXXX. I 've had so many wonderful times living here and I expect to create many more memories in the future -- -I love living here and have had no intentions to leave. Unfortunately, my mortgage lender ( Everhome ) does n't seem to have the same intentions as I do. Due to a few of hardships and Everhome 's lack of cooperation, I am now facing foreclosure on my property. 
My problems began oddly enough with the hardship of my rental property tenant. His lost job forced him to default on his rent payment. I tried to work with him to help get him back on his feet ( hoping this would be a short-term issue ), but unfortunately he was unable to get back to a point where I could collect rent from him. This put a heavy burden on me, and when he left I was now facing roof and other home repairs ( more of a financial burden ). If that was n't enough, I also needed to help my sister financially through a difficult time. I struggled to keep the mortgage current, but I eventually fell behind in XX/XX/XXXX. 
Once I fell behind, I reached out to Everhome to see if we could do something to solve this problem. I applied for a modification, but I was constantly chasing my tail trying to get documents submitted to them. The process took so long, and then they went ahead and denied my application. They claimed that I made too much money!!!! I guess I needed to be worse off to qualify? My hardships were real, and I ca n't just fork over the arrears to reinstate the loan after they delayed the modification process for so long and kept tacking on all of their ridiculous fees. Plus, they would n't accept any payments from me during this process to keep the arrears in check. I do well as a sourcing manager, but that should be a positive when evaluating for a modification, not a negative, since I 'm showing a strong ability now to avoid this happening again. 

Everhome is always sending correspondence offering help with this situation, yet they are not actually making much of an effort to solve this issue. There has to be another answer other than foreclosure. Everhome puts so much effort and manpower into harassing me with collection calls, yet no effort to find a solution for someone anxious to do business with them and according to their own analysis someone who is more than capable of making a mortgage payment. I 'm not looking for any handouts, just some common sense to solve a problem. I am ready to move forward and make good on this mortgage, I just need a little cooperation from them. I would be grateful for any assistance towards that end. Thank you for your time.

Company response to consumer: Closed with explanation