BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have contacted both LexisNexis, XXXX and XXXX about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted XXXX they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with LexisNexis, and this does not constitute a proper fraud investigation when I have informed both XXXX, XXXX and LexisNexis that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both LexisNexis, XXXX and XXXX my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from, Ability Recovery Services, reciting incorrect info. They asked for me to verify the last 2 digits of my social. They stated that the numbers were " XXXX  '' which is incorrect. So I explained to them once again, that they are to delete this account from my credit report due to incorrect information. They then proceeded to state that the debt was for someone by the name of " XXXX ''. I do not know anyone by the name XXXX. I am not XXXX. I asked the supervisor I was speaking with how someone could absorb another 's debt as such. He stated that it could be a relative or child. I have two daughters neither of which are named XXXX. I also explained that this was another reason to remove this account completely, also that I need an email stating that they will remove it from my credit report. The response I was given was, '' We don't have the ability to do that ''. This is not the first call I've had with them in regards to this so called account. I have been hung up on before and left on hold for hours just for them to hang up. I advised them that I would be making a complaint against them in regards to this matter. The account number I was given is, # XXXX. According to XXXX ( the manager I spoke with ), there is two accounts attached to that number I was given. Both of which have the wrong social security number. XXXX is their contact number. As of writing this email I am yet to receive a dispute email from Ability Recovery Services, as promised by the manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Navient Solutions, LLC.
State: AZ
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:
NSLDS.GOV shows for school year XX/XX/XXXX-XX/XX/XXXX I was awarded 2 Pell Grants each amounting to {$4000.00} The 1st is from a college and campus I never attended : Grant dispersed amount : {$2700.00} XXXX COLLEGE - XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX The 2nd I did attend : Grant dispersed amount : {$1300.00} XXXX COLLEGE -  XXXX XXXX XXXX XXXX XXXX NJ XXXX NSLDS.GOV also shows missing data ( lines A-M, see attached ) All of the loan interest rate or repayment information is missing. 

XXXX XXXX navient was the original loan servicer and is currently the servicer for the newly consolidated loans. 

XX/XX/XXXX I requested copies of original individual promissory notes from navient. They have been unable to locate the individual promissory note and requested information. Without the information on these individual promissory notes pertaining the loan interest rate and repayment agreement the loans can not be verified because this information was never reported to NSLDS.GOV When consolidating NAVIENT sent the loan payout to the wrong school and subsequently preventing me from attending XX/XX/XXXX fall semester term B XXXX XXXX XXXX was both the original loan servicer and Loan Service serviver for my consolidation. 

I have attach a document which contains information from the NSLDS.GOV along with further questions and comments regarding this information I would like to have answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX inquires from CITI listed on my credit file which I have NOT applied for credit. I would like to know why? This is fraud and I want the inquires removed

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 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Re : XXXX XXXX Account # XXXX/Capital One Bank This is in regards to a credit card charge made on my account for {$1000.00} on XX/XX/2022 without my permission in XXXX, AR XXXX. I have no idea who made this charge and I do not want this to impact my credit. I have contacted XXXX XXXX and they closed my account but they gave me an explanation that the charge would have to post than reversed. I would like to know why? I never purchased the items. I am a senior citizen and I do not need this type of stress based on not reversing the charge right away. 
XXXX XXXX needs to do an investigation on this issue. 
Phone # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I get calls on my cell phone before XXXX XXXX  on weekends. I also get calls throughout the day at my place of work, 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 2017-04-14
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Other

Complaint:
This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar has me 60 days late when I have made more payments than I should have paid. They are showing me due for the XX/XX/XXXX payment, not only have I paid that payment, but actually I 've paid the XX/XX/XXXX one. Example : if there have been a total of 48 payment due since the modification, I have made a total of 49 payments, but they have misplaced two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Name : Southwest Credit Amount : {$1200.00} Original Creditor : XXXX XXXX   For the month of XXXX ( XX/XX/XXXX ), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My wife and I then paid rent/utilities for XXXX ( XX/XX/XXXX) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX  we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from XXXX XXXX XXXX and Southwest Credit. It has now almost been 2 full years that I have been disputing this debt with XXXX XXXX. My wife and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My mortgage company Mr. Cooper continues to call and send third party vendors to post notices on my doors. I have sent a cease and desist notice to them, which they have acknowledged receiving. But in their response they stated they will not cease and desist this harassment of sending third party vendors to my home and post notices of my door for me to contact Mr. Cooper because they are in there rights and quoted my Note section ( 7 ) and my Deed section ( 9 ). I have read both sections and in either section does it state that I consented to have Mr. Cooper contract third party vendors to trespass on my property and continue to leave notices that just state to please contact Mr. Cooper Mortgage taped to my front door throughout the night and early morning in their personal vehicles. Mr. Cooper is aware that the property is owner occupied and well taken care of. Mr. Cooper stated in their cease and desist response letter that the loan is one payment past due and yet it warrants this constant intrusion. This type of non- required communication by Mr. Cooper through their third party vendors is an example of a non-required written correspondence. These notices by strangers pose a safety hazard for me and my children. But this is Mr. Coper method to continue to bring embarrassment to my household and my family. Mr. Cooper and their associates are fully aware that I am sending in payments constantly to become current and responding to all their communication by certified mail. Instead Mr. Cooper has chosen to dismiss my cease and desist request and refuse to comply with all future communication being sent through the mail for privacy and safety reasons. I have also requested a Foreclosure prevention meeting in early XXXX and I still have not received a response or a scheduled meeting date and time for this letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Total Card, 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: Account status incorrect

Complaint:
On XX/XX/2018 I received this letter from the company that my account was closed, I was laid off an un able to pay, then in XXXX or XX/XX/2018, I started getting alerts, that I having missed payments, I said to my self how can this be, the account is closed. So that means someone from the credit card reopen the account, with out my knowledge, I hadn't talk to anyone nor did I sign any papers, and I verbally didn't talk to any to give permission, me as a consumer now this wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX FLORIDA ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: LA
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 XX/XX/22 I sent a letters about incorrect information on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: SIMMONS FIRST NATIONAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX of XXXX XXXX is in Breach of Warranty. I took the XXXX  XXXX to address the rough starts, was false and mislead advised that the issue will be fix by a fuel injection service. 
I did not fix the issue, the dealer provided over 10 other service, such as tire replacement, alignment, induction service, throttle body service, injector cleaner, engine filter, fuel pump assembly, injector failing diag, brake flush and brake front, should a tire replacement should fix a rough start? 

I disputed the charge with Simmons Bank and they reverse the credit, charging for a service that did not fix rough starts.

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 2022-01-21
Company: Experian Information Solutions Inc.
State: MO
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:
After sending the credit bureau multiple letters. I even decided to call and spoke with an agent who didnt speak really good english and I was hung up on with still no help. They are reporting an account on my credit report for XXXX XXXX XXXX account XXXX.I have NO CONTRACT with the company.

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 2017-08-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have purchased 3 vehicles from XXXX/Toyota in the last seven years. I traded my first XXXX in for a new XXXX and bought an additional XXXX XXXX. I am in the process of building a custom home and needed to payoff the XXXX XXXX ( three years early ). I put every penny made into paying this car off early. 
My payments were : XX/XX/XXXX {$9000.00} XX/XX/XXXX {$8100.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} I made the last payment on the XXXX XXXX on XX/XX/XXXX. I received a refund check of {$830.00} on XX/XX/XXXX. I thought it was an overpayment. I received a call a few weeks later saying that I missed the XX/XX/XXXX payment. I then realized that I accidently paid my XXXX XXXX ( # XXXX ) payment to the XXXX XXXX account. I now have a 30 days past due mark on my credit which is affecting my chances of closing on my house in two months. I understand that I made an honest mistake and that is why the money was sent back, I try to pay overage on all of my payments. I was planning on buying a XXXX XXXX after we closed on my house, but how can I give my business to a company that I was loyal to for so long and three cars later. I have spoken to three representatives at XXXX XXXX XXXX and the pretty much told me 10/10 times they will remove this mark from my credit because of the situation. I got a letter today stating that they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: EOS Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Associate called multiple times in a row on the same day. X/XX/17 at XXXX XXXX, XXXX XXXX I called back and spoke to a gentleman at XXXX XXXX who refused to name himself and I had to ask 3 times for the company name before he would give it. He then demanded my SS # to which I denied and stated I would not do so without knowledge of what the call was about. Denied to offer. So I stated I wanted validation to which he grunted, really he grunted. 

I told him he must per FDCPA, he grunted again and hung up. 

I just received a letter demanding payment from EOS CCA post marked after the call date but the letter is dated 2 weeks before. I have tried to call the number back but it goes to a voice service now with no identification or message options. 

I again demand full validation of the debt all negative information from EOS removed from my credit report, all calls to stop until validation is sent and 30 days pass. I also demand fines to be placed on EOS and the collector on the phone for FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX. The balance of {$44000.00} is incorrect. The balance on this account is only {$24000.00}

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 2022-01-21
Company: EQUIFAX, 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:
There are 3 derogatory alleged medical collections placed on my XXXX, Equifax, and XXXX consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from XXXX, Equifax, and XXXX for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: NY
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'm not responsible for this account, i believe, that somebody used my personal information and applied for it.

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