BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-02
Company: LEXISNEXIS
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:
My name is XXXX XXXX who has been suffering from my lies and deceptive actions of Lexisnexis over and over again and need your help to fix this please as they claimed they dont dont how to help because i dont respond with identification omg what a lie as you will see. I been calling and each time being rejected in the calling q after waiting for 1 hr 17 mins and 2hrs. as am in california and there hours are not readily for my time zone. They have no clue am tracking emails read when i sent XX/XX/XXXX and XX/XX/2021 so they lied that they cant remove the information that stole from my records and sold without my written permission. Am very depressed now as they are saying they dont have to respond to me as they have all rights as they dont go by the rules of the FTC but only by XXXX, XXXX and XXXX. am confused need the CFPB to help me and am having sleepless nights of their constant lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
When I first bought and moved into my home in XXXX, NV, in XXXX 2011, I called XXXX XXXX to provide wireless internet service. A technician came out to install the system, but was unable to get a strong enough signal for wireless service. I called the company to notify them, asked them to cancel my service, and initially they said they could not since they had sent a technician out. I persisted and stated that I would not pay for service that was not provided. They relented and said they would cancel all charges. Then I received a bill from them. I called them again, restated what had happened, and the customer service rep said she would reverse the charges and zero out the account. Nevertheless, a year or two later, they had sold the debt to a collection agency who now tried to collect from me. I explained the situation and they agreed to drop it. Now this year, another collection agency is pursuing it. I asked them for the billing statements to substantiate the charges, they said they would provide it to me, but never did. I thought the matter ended, or at least until the next collection agency gets it. 

Although the supposed amount owed is only {$73.00}, I refuse to pay for service that was never provided, and for which an agreement was supposedly reached, only to have them renege and continually resell it in their package of bad debts to collection agencies. I do not owe this money, they failed to provide the service I sought, and this matter needs to end. 

Finally, I have an excellent credit rating because I honor my responsibilities and obligations. This is NOT a legitimate charge and I refuse to be held responsible for it. I have read many online reviews that XXXX XXXX chooses to conduct business in this manner, and I will not give them money they did not earn, that they told me was XXXX out, simply out of fear they will report it to a credit bureau. 

Unfortunately I do not have any documentation, since I throw out my bills after one year 's time, and did not have any remaining bills by the time a collection agency contacted me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, XXXX, I purchased a used vehicle from XXXX XXXX of XXXX, in XXXX, OH. Three days after purchase of my XXXX XXXX XXXX XXXX service lights came on when I started it. The service lights were XXXX control. I immediately contacted my salesman XXXX XXXX XXXX XXXX making him aware of the issue. After communicating via text messages, I took the car in for servicing. This was only the beginning of the issues I 've had with this vehicle. 
My wife and I have always leased new vehicles. I purchase a second vehicle to prevent from going over my miles on my current lease. XXXX XXXX stands on the premise of servicing the community where their dealerships are. I served on the XXXX XXXX XXXX, I wanted to make a purchase near where I live. 
I 've had several issue with this vehicle, as of today XXXX XXXX, XXXX the car is not operable. My father and I tried to jump the battery with no results. It appears nothing was done to this vehicle at trade in. I understand the vehicle was purchased " AS IS - Without Warranty '' but never did I expect to have issues 72 hours after purchase that have proven to be ongoing and dangerous. I have n't had the vehicle 6 months. 
Please review all attachments to include my attempts to resolve this issue with the dealership. I 'm the XXXX, therefore I understand how some things happen. I 've invested a lot of time, money and suffered inconvenience. I contacted the management at XXXX XXXX trying to give them opportunity to make this right. No one has felt it necessary to follow through. 
I 'm hoping you can help get this resolved. Had I purchased the car from a private owner, I would have expected " Buyer beware. '' Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Southwest Credit Systems, L.P.
State: NY
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 closed my XXXX account in XXXX with the balance paid in full, and have documentation from XXXX showing this. According to XXXX and debt collectors, XXXX 's systems seem to indicate that there was an outstanding balance on the account from XXXX or XXXX of XXXX. I have a document ( see attached ) from XXXX dated XXXX XXXX, XXXX stating that I returned my equipment and had no outstanding balance. This account has been repeatedly sent to collections agencies. In XXXX, I successfully disputed the charges and the collection agency XXXX XXXX XXXX XXXX requested that all reference to this debt be removed from my credit history ( see attached ). Unfortunately, XXXX simply contracted another agency to collect the debt ( SW Credit ). I have called XXXX multiple times, but no one has been able to explain why I owe this money when I have a document showing that my account was paid in full when I closed it. They have not even been able to provide an email address that I should send a copy of the documentation to so that XXXX could evaluate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Phelan Hallinan Diamond & Jones, PC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Over the past ten years there have been two lawsuits naming me as defendant in a Foreclosure action for a property that I do not own and for a debt that is not mine. The first lawsuit was dismissed by XXXX after I had spent thousands of dollars in legal fees for representation. Years later in XX/XX/XXXX a new bank, XXXX that has assumed the mortgage named me again in another lawsuit regarding the mortgage. I contested this lawsuit and received notice from the Judge that I am not responsible for the debt. I continue to be harassed by the lawyers representing this lawsuit ( Phelan Hallinan Diamond & Jones ) demanding payment for a debt that the Court has stated is not mine. I clearly do not own the property being foreclosed on, I do n't live there and I have no interest in it. I am named in this foreclosure action erroneously and continue to be harassed for a debt that I am not financially responsible for paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX Transunion removed XXXX inquiries from my credit report. I received alerts from numerous sites which I use to track my credit progress. About a week later they added the inquiries again. I called regarding the unlawful reinserting of deleted information and after being placed on hold for 2 HOURS they tell me they are only removing XXXX inquiry. I have called 3 times with no help. These are the companies and inquiry dates that they removed and then added back added back XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. 

I attached the report where they removed the inquiries on XXXX/XXXX/XXXX and if needed I can show the report from when they added it which was XXXX/XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Selene Finance LP
State: NH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Selene Finance and XXXX got my Discharges bankruptcy for a Mortgage loan from XXXX XXXX XXXX and Selene has me on all XXXX credit reporting agency that I owe the mortgage like XXXX giving me bad credit ... I would like my credit fixed ASAP and Selene to be sued so I can buy the house I was shot down trying to get a mortgage because of these crooks. It was all set to go and the final credit repot was pulled and they just did this to me XX/XX/2016 I am not happy ... we will be homeless because of them we gave notice on out apt . to move into our home that was denied now because of Selene Finance, check out this great link for more info on Selene Finance, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: NV
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:
XXXX My XXXX XXXX XXXX XXXX  are not reporting to the national credit reporting agencies and there are several years of missing history which has a negative impact the merit system rating. 

The bigger picture is : low credit scores and credit invisibility are due to decades of ongoing, uncorrected, discriminatory practices. The systematic barriers set up long ago have never been corrected and continue to create barriers for certain Americans. The country is trying to correct is discriminatory foundation however there continue to be a strong lack of equality and opportunity in the system and with lenders. 

All credit bureaus ( XXXX, Equifax, XXXX, XXXX, and the hundreds of alternatives such as XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc ) are all operating independently so the credit file from each bureau is different however all private, for-profit companies are still subject to laws and regulations. In addition, it is the credit card companies responsibility to report accurate information to the credit reporting agencies. 

The credit reporting system, and the Fair Credit Reporting Act are serious issues that have impacted XXXX XXXX Americans. Consumer Financial Protection Bureau and the Federal Trade Commission Bureau are looking into applying serious penalties when credit reporting agencies and private, for-profit companies continuously violate the law, misuse consumers information, purposefully contain material errors in consumer files, and/or refuse to correct errors - all of which are impacting XXXX XXXX Americans. The FTC and CFPB to name a few are starting to issue civil penalties to credit reporting agencies and other companies which actively do not behave in the consumers best interest. 

In addition, when it comes to issues with overcharging clients, many corporations like to use forced arbitration clauses which hurt XXXX XXXX people in this country and that number is rising placing millions of people at a disadvantage. CFPB, FTC are working on providing consumers with a safer, more regulated credit reporting system however it starts with the companies transferring consumer credit ratings to e.g. Equifax ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX  and XXXX ( XXXX : XXXX ) and other CRAs to help with forward progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Denied account with bonus offer. 
1. I responded to Wells Fargo 's {$250.00} bonus offer ( XXXX ) requiring an online application ONLY. 2. I submitted the very simple application and got immediate emails saying to wait a few days for a mailed-in packet, etc. I was provided an application reference number and the steps and timetable for the bonus. [ 3. The application included a question about a family address literally from the 1970s. ] 4. Later I received an email saying, oops sorry, but please go into a branch to " verify '' information. 5. I went into a branch and was NOT successful in completing the account despite the reps Best efforts, no explanation, except she stated than an account " XXXX '' could n't be verified. I 've never heard of an account or company with the initials XXXX. 6. The banker claimed to be unable to provide further details. 7. 8. The banker also stated that I would NOT be eligible for the bonus, as had told her that when I attempted to redo the application the Page is Not Found. 9. I used my XXXX account to fund the opening of {$50.00}, and it was not subtracted from my account. 
10. I am well aware of Wells Fargo 's extreme practices and discrimination, but I chose to go for the bonus anyway, as is my normal practice. My accounts are clean. My debts is XXXX. My credit score is excellent. So I am very interested to see their explanation for denial of services. Thank you very much.

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 2020-04-17
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
This is in reference to a deferred loan that isn't due until XX/XX/2022. 
I have asked the creditor to send a statement about loan with the following information included ; outstanding balance information, amount due and payment due date. I can not resolve any issues with this creditor without this information. I can not access my account. 

Sallie Mae has sent notification letters about past due account without providing the amount past due or past due date. I need this information to proceed, if necessary. 

Sallie Mae has refused to provide me with the necessary information to review my account and resolve any issues of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for XXXX XXXX ( A subsidiary of XXXX XXXX XXXX ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I answered my phone to a rude person stating that i was being sued by check into cash and they were foling a wage garnishment. I explained to the individual ive already paid them in full and i have proof. The person then went on to call me a liar and topd me i was being arrested on XXXX felony charges. I told him i have proof see you in court and hung up. He then called back and began yelling at me calling and said why dont you pay your bills you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to get the credit report online in XXXX & other credit websites, also tried to apply CreditCard in bank websites, but i am getting the response as " Your personal information doesn't match with credit bureau records '' .. I strongly believe that my Credit information is missing the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in Ohio confirmed they are all paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Bank of America allowed for everything to overdraft on my account expect for one item. Which got charged another NSF. When I asked them why they did n't approve this transaction that was processed first and was the smallest amount. Their answer was pretty much " we did n't want to "

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 monetary relief
Consumer complaint received 2015-03-19
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Castle Credit corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX I purchased a water filtration system from eco-water in XXXX of XXXX it was financed by their preferred company, castle credit. 
Complaints are, the company attached a lien to my home with no judgement. I talked to them and asked them to remove the lien and they refuse to. It is financed an amount of {$4700.00} and after paying for over two years, my pay off is {$4500.00}, so at $ XXXX/month for more than 24 months, only {$200.00} has been applied to principle!!! This is a rip off and a loan shark. I have always made payments every month, never missed a payment and they attach a lien to my home along with this insane finance charge and interest rate. This company needs to be investigated and fined for unscrupulous business practices. For all the money I have paid and almost NONE of it is applied to my balance, along with being slapped with a lien on top of that? 
This business is not reputable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: SIMM Associates, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
repeated calls to my XXXX year old mother, asking who was in charge of the financial and funeral arrangements of my deceased sisters affairs. My sister died 3 years ago and had no funeral, no insurance, and no money.. These people called at XXXX and have called XXXX times. I myself talked to a very rude man who after I told him my sister had nothing and we are n't responsible for her debts he became very rude and I proceeded to hang up on him. My sister died a very slow painful death and to call and harass my XXXX year old mother is disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I am writing because I sent sent out dispute letters to " XXXX XXXX XXXX '' three weeks ago and have not received an updated credit report nor have I seen any changes in my credit profile. Account # : XXXX This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Patient Account Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Called before XXXX on XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). In addition, they are calling my cell phone using an auto dialer. In total, they have made XXXX auto dial calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation