BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-18
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Fox Collections has refused to provide enough information for me to certify this debt belongs to me. I requested Validation of this debt ( Acct # XXXX XXXX ) and my letter was received by Fox on XXXX XXXX 2015 by certified mail. Fox sent me a letter stating that they had verified my name and address ... nothing else sent. I have attempted to contact the original creditor on file, but they are now out of business and the new company is not servicing their old debt, nor has any record of it. 
Validation request was dated XXXX XXXX 2015 and Fox received it on XXXX XXXX 2015 ( see validation letter attachment ). Fox 's response was received XXXX XXXX and contained no detailed invoice and simply stated my name and the amount owed ( see attached evidence ). After speaking with the representative on the phone I was informed to sign and send in the authorization form at the bottom of the letter they sent. I did so on XXXX XXXX and still have received nothing in the mail. While speaking with the representative I located what I thought might be an EOB relating to the debt in question. The Fox representative and I both agreed that it was not and this EOB did not relate at all to the debt in question. I sent in a second validation letter dated XXXX XXXX 2015, received by Fox on XXXX XXXX 2015 at XXXX ( see attached USPS return receipt and XXXX validation letter attachment ). I have yet to receive a response to this letter. After reviewing Fox 's response and evidence to my XXXX complaint I can only concur that I was correct in my initial evaluation of this alleged debt not being mine because they can not provide me with further details from the actual company. The attached evidence that Fox provided on the XXXX website is from there own files and not the alleged original creditors ' database.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I sent a letter to Lexis Nexis which was received on XX/XX/XXXX ( See Certified Receipt ). In the letter, I disputed a bankruptcy record which according to both XXXX and XXXX, Lexis Nexis is furnishing this record and certifying it's legitimacy. A dispute for " validation '' and " completeness and accuracy '' was submitted and received by Lexis Nexis back in XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX notified me that the record was removed in accordance with 15 USC 1681. The case # for this matter is XXXX and the letter is attached to this dispute. The record in question is US Bankruptcy Court # XXXX. As of today XX/XX/XXXX, Lexis Nexis has not responded to my dispute and has continued to report this record to both XXXX and XXXX. Lexis Nexis has violated 15 USC 1681i and is required by law to remove this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became a XXXX customer in XXXX. My auto insurance policy was set to expire on XX/XX/XXXX. On XXXX, I contacted insurance agent XXXX XXXX to request an updated quote so that I could ( i ) modify certain coverage limits and ( ii ) compare the quote to competitors. She sent the updated quote and I declined/cancelled on that same day. On XXXX, I received an auto-pay email notice for my cancelled policy. I then turned off the auto-pay feature in my account and received online confirmation that the feature was inactive. I also notified XXXX XXXX via email and requested further assurance that I would not be charged for an auto policy that I had cancelled. I received no response. On XXXX, XXXX emailed me an auto insurance declaration despite my cancellation. I called her to have this issue resolved, but received no response. On XX/XX/XXXX, my credit card was charged {$910.00} for the cancelled policy. I emailed XXXX XXXX to get assistance with this erroneous charge and again, received no response. 

On XX/XX/XXXX, I filed a XXXX  complaint outlining the above issue. XXXX XXXX XXXX XXXX responded to the XXXX  complaint by acknowledging that I had cancelled my policy effective XX/XX/XXXX and providing a Policy Release, which was executed XX/XX/XXXX. Despite XXXX 's acknowledgment and signed release, it recently sent my information to a collection agency, Transworld Systems Inc., in an attempt to collect funds for the very same policy that it acknowledged had been timely cancelled. 

I have attached the signed Policy Release, my XXXX  complaint, and the collection letter I received concerning the alleged debt for a cancelled policy. 

I have been attempting to rectify this issue with XXXX for several months, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have filed several disputes with XXXX and Equifax for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has adversely affected my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: PA
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:
On or about XX/XX/2021, I wrote a letter to XXXX, Equifax and XXXX, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at XXXX, Equifax and XXXX, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
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:
Chexsystems has inaccurate information regarding a checking g account I use to have with XXXX XXXX XXXX 4 years ago. 
Ive talked to them and sent all the documents that show proof. Chexsystems reported : suspected fraud activity on my old XXXX XXXX XXXX checking account which is completely false. 
This is consider SLANDER in America!! 
They need to take this inaccurate information off my credit report IMMEDIATELY! 
What can I do? 
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 2022-07-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. However, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: FIRST ADVANTAGE CORPORATION
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
my social is correct. Most of the addresses are correct. what stands out to me is there is XXXX addresses that I have never lived that are on there. XXXX looks like a business address. I have never lived in XXXX nor XXXX. How could they be linked with my social security number? The times overlap the real times on the real addresses. I did have my purse stolen around 2009. But it just worries me that my social would be linked to those addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: NC
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 hard inquiries on all three reporting agency 's about I applied for credit at XXXX and at XXXX XXXX ( XXXX XXXX  ). I disputed these inquiries with Equifax and they came back as confirmed and to be correct. I called them about the accounts and they told me if they were wrong I need to call these two places to have them send to the 3 reporting agencies the hard inquiries were not mine. I got the contact information from Equifax and called I spoke with XXXX first from XXXX at XXXX and she said she saw nothing but she transferred me to XXXX an accounts specialist and he also saw nothing using my social had ever been applied for. I was told by him since I did not have an account with a social they had nothing to report back to this agencies. Second I call XXXX XXXX which is a XXXX XXXX account first spoke with XXXX and he saw no account had ever been applied from there using my social number, he sent me to the applications department and I spoke with XXXX and she told me the same. They also said without an account with my social they could not send anything the the reporting agencies. 
To me they are inaccurately reporting information that there is no way they verified to be correct which is causing and adverse action on my reports. I am trying to correct all my reports so I cal buy a house. How can I get this fixed?.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my mortgage with Suntrust/Truist on XX/XX/2022. My mortgage was purchased by Truist on XX/XX/2022. We already have a HELOC with Suntrust/Truist and our previous mortgage was already with them. The loan servicing department created a completely new profile for the new mortgage that we can't gain access to-FOR NO REASON. We have been to the branch multiple times for a solution and have been told it should be corrected and still have no online access to our mortgage account. Loan number : XXXX The changeover and rollout across all areas of Truist banking has been lacking and is unacceptable. My time is valuable, and I should be having to call and face multiple hours of hold times to try and get a solution to a simple problem. You call customers service and met with hold times of HOURS. We have gone through all online avenues available and still can't access our account. 
I shouldn't have to go to branch that I do no banking business with to make my mortgage payment. Truist was not ready and has no idea what they are doing during this transition. They have shut down our access to the Suntrust website where we used to make our payments but can't seem to get this right. There should be more oversight to the severe mismanagement of people 's loans and assets.

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 2015-08-27
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax is attempting to close another complaint by sending out a letter asking for additional information. In that letter they provide a number XXXX -- XXXX which is an automated system that places consumer in a dead-end loop in which the consumer can not talk to anyone directly about issues. I attempted XXXX times to enter my confirmation number, social security number and street address only to be told by an automated system that the information was incorrect. I then attempted to open up a new investigation only to go through the same process. They are also requesting that I have to manually send information via the mail in order to provide of identity so that they may investigate further. That is a ludicrous excuse to deny access and also respond to a formal complaint first submitted to the CFPB several weeks back. The credit bureau is attempting to place an extra burden upon consumer in order for their company to stall and not respond. I am unable to provide an attachment but have the official letter sent by Equifax on XXXX/XXXX/15 in which they attempt to defer response to the previous complaint and require me ( the consumer ) to provide additional information. The reference number on the letter is XXXX which seems to be associated with the previous complaint but can not be confirm as there is no way to contact Equifax and talk to an actual person. 
Kind Regards, XXXX XXXXXXXXXXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not apply for credit with XXXX on XXXX/2016. Also, I never lived at XXXX in XXXX GA XXXX at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Equitable Acceptance Corp
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The company XXXX/Equitable Acceptance Corporation is a scam. Here 's why. 

I received several calls on my personal cellphone over the course of 2 months from the phone number ( XXXX ) XXXX but never answered. A machine left a voicemail each time on my phone stating " You have an urgent issue with your student loan account. '' I would log into my student loan account and nothing was wrong. 

On XX/XX/2018 at XXXX I received a call from ( XXXX ) XXXX and they left another voicemail but this time is was an actual person talking. They said " Hello this is XXXX, and I would like to discuss with you a reduction in your student loan. The federal funding of supporting any weight or balance of your loan may expire very soon ... So it's pretty urgent that you give us a call. '' At XXXX I gave them a call back and they mislead me to believe that I could qualify for a reduced loan payment along with a 10 year limit to my payments. After 10 years, the government would forgive my student loans. They said I would only have to pay {$30.00} a month for 10 years with a {$49.00} recurring fee for the first year. XXXX sent me the paper work in an email and I signed. The company name on the documents was XXXX. 

I later realized after talking with my boyfriend I was scammed. This student loan service was going to take a down payment of {$270.00} from my checking account and a recurring fee of {$49.00} a month for a service that is free from the government. Thankfully I caught this before the 3 day cancellation policy.After 3 days of signing they would not be able to cancel the service. The forms and paperwork are all attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I HAVE SOMES ADDRESSES ON MY CREDIT REPORT THAT ARE NOT MINE. SOMEONE WAS USING MY NAME AND INFO FOR ACCOUNT THAT DO NOT BELONG TO ME. PLEASE DELETE THE FOLLOWING ADRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attempted to open a " Simple Account '' account XX/XX/2020. Without explanation -- was declined ( note this is not a credit product, nor would my credit be an issue ). Very weird. I've read Simple discriminates against permanent residents, but I am a citizen. Unaware of anything that would cause KYC issues. No issues with my XXXX. No method of escalation is apparently available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX CA XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit.

Company response to consumer: Closed with explanation