BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company Patenaude & Felux a 3rd party collections company for XXXX  sent a collections letter to an address I had not lived in since the year XXXX, the notice was sent in XX/XX/XXXX. In XX/XX/XXXX the company proceeded to serve a person at the address that is unknown to me. They fraudulently obtained a judgement against me for {$2400.00} in XX/XX/XXXX. I discovered this judgement in XX/XX/XXXX when I was looking for records for a family member. 
The company mailed in XX/XX/XXXX, a new service for renewal of judgment to the same old address that I have not resided in since XXXX. 
After reviewing County Records I discovered that the person they claimed to have served in XX/XX/XXXX did not reside that the address where notices have been said to be personally delivered to this unknown women.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I just got a notice by email of a settlement with another company due to high interest and it came into my mind a loan that I got with Loanme Annual percentage 139.12 % finance charge {$11000.00} amount finance {$2500.00} total of payments {$14000.00}. 

One payment of $ {$260.00} on XX/XX/2019 and 47 payments of XXXX beginning on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: MI
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. XXXX 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 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX daughter 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 non-monetary relief
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: AL
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've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent. Inquiries : XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX  XX/XX/2020, XXXX XXXX XXXX ( I XX/XX/2020, XXXX & XXXX XXXX XXXX XX/XX/2020, XXXX - XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have spent a year and a half, and XXXX complaints with CFPB, to try to get XXXX to restore online access to my account in full after they blocked me XXXX years ago when incorrectly listing my loan as in bankruptcy. They have paid minimal lip-service to my issues, lied to me repeatedly, and their constant delays in activity have cost me money. 

They promised continual contact with me until resolved. No one at XXXX has called me or made any attempt to follow up in 6 months. I am unable to look at any of my data online and must get statements mailed to me. I am unable to schedule XXXX XXXX payments a month. They ruined my credit rating ( that I was trying to restore ) with their inexplicable incorrect reporting of my home being in my bankruptcy. This reporting caused higher interest rates, inability to get credit, to be a co-signer on a family vehicle requiring my elderly mother to co-sign. They continued to add late charges to my account ( not credited until XXXX XXXX ) causing my account to be unavailable to be amortised promptly. That delay, after the credits were given bringing the loan to date, took multiple threats, complaints over XXXX months before my monthly loan amount was reduced ; this after being promised it would happen within weeks. 

I want my online access restored, or for them to delete that online account and reactivate it if necessary to get me what everyone else has. I want a credit applied to my principal equal to the amount of reduced monthly loan that XXXX had overcharged me for XXXX months. I want their heads on a pike, starting with the lying XXXX XXXX and his entire department of XXXX. I want my loan moved to another servicer without having to refinance. I am done playing nice and waiting. I have spent upwards of XXXX hours fighting with them, and all they do is lie. If you have any questions, you can ask XXXX XXXX at XXXX XXXX. She knows the whole story.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Knight Adjustment Bureau
State: TX
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:
Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. Upon my conversation which resulted in payment, I was assured that the account would no longer report to my credit bureaus. 

My family is dealing with a lot of problems lately including a lease that will not be renewed so I am trying to purchase a home but I am unable to move forward as a result of XXXX XXXX XXXX placing this collection account on my credit report. My credit scores have dropped by over 90 points as a result of this one paid closed account. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with 2 account and inquiries I did not authorize

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 2019-11-22
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, On my Experan Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX  XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. 

Also on Experian reported dated XX/XX/19, Items XXXX XXXX ( Acct # XXXX ) and also showed results showed item deleted. 
Also another XXXX XXXX/XXXX  ( ACCT # XXXX ) also stated Deleted. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I did not receive this notification. 

On report datd XXXX, XXXX XXXX  XXXX  has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. 
I would like your assistance with these issues. 

Thank you

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 2019-11-21
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: Account information incorrect

Complaint:
I would like the credit bureau to update my report to reflect the correct balance due on my XXXX account. The balance due is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In early XXXX Capital One sent me an advertisement for a credit card with the offer of no interest on balance transfers and on purchases for 12 months. I took out the card in XX/XX/XXXX and transferred a {$2000.00} balance to it. The credit limit on the card at that time was {$2000.00} therefore I made very little or no purchases and paid the minimum balance each month. 

On my XXXX and XX/XX/XXXX statements there was " Interest Charge on Purchases '' for {$36.00} and {$30.00} respectively. I called the company several times and pointed out that 12 months had not past and they kept insisting that the period was nine months. I requested a copy of the original card holder agreement on three separate occasions and they kept sending me the CURRENT agreement. I know it was the current one because my credit limit had increased and the agreements they sent all included the new credit limit. I have called several times, with no success, to get this issue resolved. 

I have paid off all my balance except the total interest charges which keeps growing because of additional interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had seen my credit report and I see that they are multiple inquiries from XXXX and XXXX that I do not recognize and do n't believe making so I would like them 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 2022-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX,XX/XX/XXXXXXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX, are all unauthorized and 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attach and FTC report with 7 accounts and inquiries I did not authorize

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 2017-10-18
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a XXXX at my residence in XXXX XXXX, the property was deemed a total gut, by the insurance company. I 've started the process of repairs after being paid by the insurance company. The mortgage company is in possession of the funds. After a mortgage ordered inspection, which was deemed to be XXXX % of the work completed, it was lowered to XXXX %, after review by their inspection team. " According to the mortgage company the pictures do n't justify the percentage. I have still been paying the mortgage monthly, I 'm in XXXX XXXXg the policy limits will be reached next mo th, then I will be responsible for the rent which is XXXX and my mortgage which is XXXX per month. I need the .mortgage company to cooperate and release the remaining funds, so I can compleye the need repairs so I may return to my home by next montj

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted Credit Collection Services about a debt that they posted on my credit report. 

They company listed was XXXX XXXX XXXX. This dispute was for {$220.00} with a date of XX/XX/XXXX. 

We contacted by certified mail Credit Collection Services on XX/XX/XXXX asking for validation of debt. ( Verified delivery on XX/XX/XXXX, at XXXX ) As of XX/XX/XXXX we have not received and communication from Credit Collection Services XXXX 

We request that this be removed from credit report because of no credit validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Wednesda  y  XX/XX/XXXX    @  XXXX   XXXX , I received a phone call from  XXXX  on my cell phone from a  XXXX   XXXX  asking for me. He told me that he was calling from National Credit Adjusters but refused to reveal the nature of his call. I told him that he had no authorization to call this cell number. He hung up. I returned the call the same day @  XXXX    XXXX   and spoke with  XXXX   XXXX   XXXX . He stated that I owed  XXXX   XXXX  {$150.00} from  XX/XX/XXXX . I told him that all debts to  XXXX  has been satisfied and that this company can not do business in the  State of MD . He continued to dispute what I had told him. I asked him not to call my cell phone and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2019 I received a notice of transferred services letter from my previous lender XXXX XXXX stating that effective XX/XX/XXXX the servicing of my account would be transferred to Westlake portfolio management services. My loan reached its maturity date on XX/XX/2019, however I still have a balance owed of a little over $3000 of which the following payments have been made to Westlake in an attempt to satisfy and pay the account in full; $XXXX on XX/XX/19, $XXXX on XX/XX/19 and $XXXX   on XX/XX/19.  I received a past due letter dated XX/XX/XXXX requesting the full amount to be paid. Immediately I contacted Westlake and inquired about the account and expressed my concerned w/ the details of the letter specifically where the letter stated that my vehicle could be repossessed. I was informed by the customer service rep that Westlake granted my account an extension until XX/XX/19 to pay the remaining balance. About 4 weeks later I received another past due noticed. I contacted Westlake again and was told once more that I had an extension until XX/XX/XXXX and that as long as I continued to make payments my vehicle wouldn't be repossessed. Fast forward to today XX/XX/XXXX and my car was repossessed at XXXX. I spoke with Ivonne the repossession supervisor and now the story they are giving is that my account was noted for the extension but wasn't granted, information that has never been communicated to me during my previous conversations w/ their customer service reps, and that she would be sending my account for review and if approved for the extension I would get my vehicle back. While I appreciate XXXX   diligence to help I am very upset at the amount of miss-information from the lender and the situation I've been placed in is unfair. This company is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Personal information incorrect

Complaint:
I have disputed a record with XXXX XXXX XXXX on multiple occasions regarding an record they are reporting from USAA. On multiple occasions I have disputed parts of this record and request for its removal for varying degrees of incorrect/unverifiable information being reported, and yet they continue to report it. I spoke with them today and the representative told me that even though the date of birth is incorrect, it is such a low value of information that it still allows them to report the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are incorrectly reporting a charge-off account XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is well over ( 7 ) years old and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the bureau to fix this, however I have been unsuccessful.

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 2018-11-19
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
We are two XXXX persons and have the time moved in with our son. We do not nor have we ever had XXXX XXXX. When we moved two different location we began to get the same bill however it is not his debt, I have written over and over and over again to XXXX XXXX to get them to proof up this debt and address Etc with no response that was at two different addresses now we have moved into our final home after losing our home to XXXX drywall and we get this letter, I know that our son does have a outstanding account with XXXX XXXX for XXXX and {$99.00} apparently he admits to. I need some assistance in getting this straightened out, Social Security numbers signatures document stating that my XXXX husband owes this amount. A copy of the original debt and original application for quote XXXX XXXX with signature and correct name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX, 2017, LexisNexis sent me a " resolution '' letter indicating they deleted the bankruptcy record on my file maintained by them. As of this date, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal XXXX # XXXX LexisNexis Consumer #  XXXX

Company response to consumer: Closed with explanation