BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: LEXISNEXIS
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was in an accident on XX/XX/XXXX when a car ran a stop sign and ran directly in to my car. I have an accident report stating that the driver of the other vehicle received a citation and was at fault. I recently bought a new car and when I was getting insurance on it the report came back from Lexis Nexis Risk Solutions stating that I was responsible for the accident therefore increasing my insurance rate by {$200.00}. My insurance agent tried to dispute the claim and was unable to do so. I have been trying to dispute the claim myself this week. I've called the number that they provided ( XXXX ) three times on XX/XX/XXXX at XXXX, XXXX, and XXXX XXXX and was unable to reach a representative and continued to get to the part that requested the state. I stated " Iowa '' each time and it was not recognized every single time. Then the call hung up. I got online and found an additional number to call ( XXXX ). Again, they requested state and I was unable to go any further. On XX/XX/XXXX went online to the website that they provided for disputing claims ( https : //consumer.risk.lexisnexis.com/request ). I entered all of the required information, including my social security number. The website stated " An internal error has occurred and we are not able to process your request. Please try again later. '' I found another number to try for a 24 hour assistance line ( XXXX ). I pressed three for the prompt to talk to a representative. The recording stated that I will have to call back during business hours. I will try to call back tomorrow, again. Very frustrating situation with Lexis Nexis Risk Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Bureau of Accounts Control
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in XX/XX/XXXX for the full amount of {$360.00} for services rendered in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. I have received notice to verify account has been settled in full dated XX/XX/XXXX and that this information would be forwarded to all three Credit Bureaus to delete this from my credit report. This account still shows open and has not been reported to one of the three bureaus ( XXXX  ). I have contacted the company and they stated they submitted electronic request to all credit bureaus and I needed to contact them there is nothing else for them to do this happens all the time and it is out of their control. I contacted the above mentioned credit bureau ( XXXX  ) and they stated they have not received any electronic communication from the collection agency and account still shows active and open, the company will have to resend over the request before account can be deleted from my credit report they can not just delete without receiving communication from collection agency. I contacted the company twice in XX/XX/XXXX and again in XX/XX/XXXX and each time they keep giving me the run around saying there is nothing they can do another department handles submitting the request to the credit bureau 's, they do not accept phone calls from customers and they were not able to resend the information since it was already sent the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: TX
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:
When trying to get information about the repayment terms of my loan information through Navient it has been very unclear and often inaccurate. My loan was in enrolled in a modified payment plan of interest-only payments until  XXXX  of  2017 . At that time I received a letter stating that the payment was going to change in  XXXX  from {$60.00} to {$230.00}. I started making payments in  XXXX  and waiting for a new schedule of payments that I requested on  XXXX   XXXX ,  2017 . I never received a new schedule and then received an email in  XXXX  stating that my account was past due because my payment had changed to {$310.00}. I then called again to get a schedule of payments and have yet to receive accurate information regarding the repayment plan. Every month the amount due has changed and I have no way of knowing what it will be from month to month. I have tried countless times to get the correct information, however most times that I speak with them the customer service representative ca n't even follow the payments made and what is actually due. Navient 's on website is confusing and not consumer friendly. This is the sort of information that should be available to a borrower through their acccount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Original complaint # XXXX Within the previous complaint I filed US Bank admitted ( in their written response ) they initially thought funds that were credited to my account were from the HAF Program. US Bank stated in the letter that the funds were from the loan modification ( which I was only aware of the distribution of payments/funds XX/XX/XXXX when I called to inquire. 

( Please see statement from US Bank response to previous complaint ) " On XX/XX/XXXX, you spoke with an agent regarding cancelling the modification and using the HAF assistance funds to bring the account current. The agent informed you that HAF funds had been applied to your account and they would attempt to cancel your modification. Upon further review, we determined the funds that were applied to your account were the result of the loan modification, not HAF funds. '' I was not aware of the funds being applied because of the loan modification and not HAF ; therefore I received incorrect information pertaining to my account. 

The account is current because I also had to make a payment with the loan modification. US Bank also failed to include in their response that I applied several times beginning XX/XX/XXXX until XX/XX/XXXX ( denied several times and received incorrect information from US Bank representatives ) for a loan modification with the same information that was used to complete the last request ( XX/XX/XXXX ) for a loan modification. This process alone was extremely stressful due to the COVID pandemic as well as financially due to the hardships I experienced. 

I also forwarded my HAF Award Letter on XX/XX/XXXX as well as called several times in reference to US Bank receiving the letter. From my understanding the award letter could be forwarded to the lender as a correspondence to show the customers award amounts. I also forwarded the letter which clearly show forward payments for 18 months. The loan modification was completed on XX/XX/XXXX which is after the award letter was sent via email. The funds for the past due balance were sent back because US Bank purposely waited until the timeframe to cancel the loan modification had passed. I'm still unsure if my forward payments will be applied to my account once they are received from HAF. 

I have attached the HAF Award Letters ( which was sent to the XXXX email address ) as well as my initial mortgage assistance application and hardship dated XX/XX/XXXX ; which is the time I initially requested assistance to bring my account current

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 2019-08-06
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
while my son was in the hospital from XXXX someone used my XXXX ( XXXX XXXX  XXXX ) card number in another state. I was with my son in another city and my XXXXcard was in a XXXX at home. I received an email from XXXX telling me this. This card ended in XXXX. I was told they were stopping all charges on card ending in XXXX and sending me a new card. I never received the new card but did finally receive a bill for a card ending in XXXX ( the bill did not show the whole CC number so I couldn't enter it into the online banking acct ) with late fees on it. I have yet to receive any card from XXXX ending in XXXX. When I got the bill and called XXXX I was told the late fees would be removed and they would XXXX XXXX me a new card and to not pay the bill until I got a new bill. I received the new card ending in XXXX but have NEVER received a bill from XXXX with this credit card number on it or any bill at all except for the one with my balance as of XX/XX/19 ( this is the one with the late fee and the card number XXXX at the top ). So today I called XXXX and am being told I haven't paid my bill and I have a late fee of {$28.00}. I paid {$100.00} on XX/XX/19 for the last bill I received for card ending in 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2017-06-23
Company: Risecredit, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I originally had a high-interest personal loan with Rise Credit, and, after repeated attempts to get Rise to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to XXXX XXXX XXXX. I received multiple calls from XXXX XXXX XXXX and on XXXX XXXX, XXXX, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box. XXXX has since ( i.e., XXXX XXXX, XXXX ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, XXXX at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, XXXX, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, XXXX, at XXXX XXXX. and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations. The specific information regarding XXXX XXXX and this organization is as follows : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: ONEMAIN FINANCE CORPORATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Was preapproved for up to 10k on or around XX/XX/XXXX Sent in all requested info and allowed them to run credit score. 
Told I did not qualify. 
Asked them then to remove credit score checks from my account .... they declined I wouldnt have let them run my report and get another ding if I new I wouldnt qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made purchase using my American express credit card, when I received my bill I sent a payment of {$5000.00} and the check was cleared, from my XXXX XXXX account, i then sent another check # XXXX for another {$5000.00} on XXXX XXXX 2017, American express, then sent me a notice that my check was returned unpaid, i then contacted the bank, and the bank told me there is no record of any attempt to endorse the check, and the money is available, i then contacted American again and spoke to a manager, she told me it will be resolved, and they will try to endorse the check to get the money, but they never did, then sent me an invoice, including the payment i already made for the {$5000.00} and interest and finance charge for the entire amount, the money is still awaiting for American to take from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23
Company: 2288984 Ontario Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Money Key has contacted my family and employer. This is completely inappropriate and I have already told them in writing that they are not authorized to contact anybody other than myself about my business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XXXX    XXXX   as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: MD
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:
Account name XXXX  XXXX Account number XXXX Date opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right of 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance {$0.00} are reporting on my personal credit file with ( XXXXTransUnion ) credit reporting agency. These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I received an email informing me that a Venmo account had been created for that email address. Moments later, a second email indicated that a credit card had been added to that account, and shortly thereafter, that {$250.00} plus a fee had been charged. 

I immediately contacted XXXX, my credit card issuer to dispute the charge and close that account. XXXX is absolutely responsive, no issue with them. 

Since XX/XX/XXXX, I have been trying to contact Venmo, via email and their XXXX XXXX account, requesting that they close an account that I did not create. 

Because I can not provide the phone number used to create the account -- it was not my number -- I can not access the account. This is a flaw in the Venmo system, and evidently one they don't care about. 

I want Venmo to close the account. That is all. Ideally, the Bureau might investigate them as well, as they seem to have a reputation for ignoring hacking and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 disputed with all 3 reporting agencies, XXXX and XXXX removed the accounts. Waiting on transunion to remove the account. I submitted a ftc report and a dispute letter. I called XX/XX/XXXX and I called back today XXXX. I quoted the privacy law 5usc552a which states I am the living consumer, I control what's on the report. 15usc1681b no permission to place Fraudulently placing is grounds for {$1000.00} per violation and or imprisonment. If the other 2 CRA 's removed them why are they still reporting it?? 
THIS is affecting me getting my house. My realtor says it has to be removed. ASAP

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 2019-12-01
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a Washer and Dryer from The Home Depot on XX/XX/XXXX. The washer and dryer were already 10 % off and there was a deal going on that if you opened a credit card through them you would save an extra {$100.00}. The employee called their credit card company to ensure I would get the {$100.00} off if I opened an account with the washer and dryer already being on sale. He was told yes and I would notice the {$100.00} credit within a month or two on my billing statement. Now the credit card company is refusing to honor the {$100.00} credit because they said I already got the 10 % discount. They even have record of the sale associate calling and asking. They say they were not completely aware that I was already receiving the 10 % discount. Which is unfair. Because they gave out the wrong information, I should not lose my {$100.00} discount. I would NEVER have opened an account through them if I was not promised the discount. I've been battling this issue since XX/XX/2019. Through both email and phone. Tomorrow my promotional deal ends. I do not want to pay the extra {$100.00} yet I do not want them to add on interest rates for not paying. I just spoke with a supervisor today and she was extremely rude and said she will not help me and I was told I wouldn't get the discount in XXXX and she was done with 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 monetary relief
Consumer complaint received 2017-06-23
Company: ERC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC contacts me and leaves call-center sounds on my cellular telephone answering service. However, today I was able to answer the telephone before it went to the answering service. The caller did not identify herself other than to ask for " XXXX XXXX, '' whom I promptly informed her was nobody known to me. She then hung up abruptly without explanation. I used a call-tracing service to determine this was ERC and asked them directly and through the Federal Communications Commission to cease and desist calling me as I am not whom they seek.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation