BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis did in fact report three incorrect accounts to the following companies : Data Verify, Net Credit, and XXXX XXXX XXXX XXXX XXXX. Please note that the list of companies is not complete, as it is impossible for me to know to all of the companies that received this false information from Nexis Lexis which was to deny my credit applications. Due to the lack of due diligence by Lexis Nexis, I have been put through undue mental and financial duress. Please see XXXX attached proof of such below labeled " Proof of Denial '' from when I was attempting to get a vehicle. 

Upon my recent attempt to purchase home, the process was halted when XXXX Judgments were reported to me by a potential lender ( see attached labeled " JUDGEMENTS '' ). My potential lender informed me that the information was sourced from a company called XXXX XXXX. XXXX XXXX XXXX of XXXX XXXX, informed me that their information is sourced from Lexis Nexis. XXXX XXXX , of XXXX XXXX, also informed me that the information they receive is not " official '' and must verified before assumed to be accurate before it can be used as a basis to issue credit. 

I have attempted to reach out to Lexis Nexis to dispute this matter, but they have not responded. 

The following are disputes of Judgements that are falsely listed on my Nexis Lexis report and causes me Undue Financial & Mental duress. 

University XXXX XXXX # XXXX This account was resolved and removed in XXXX due to my XXXX veteran 's status, though Lexis Nexis claims that this account is in judgment status. I recently reached out to the University, and they supplied me a letter for evidence of this account being satisfied. ( See Attached Letter ) TD BANK> # XXXX This account belonged to my father, to whom we have the same name. He also passed away in XXXX of XXXX. Also, the case was dismissed XX/XX/XXXX ; which is well before Lexis Nexis listed this account as a judgement. ( See Attached Court Dismissal ) XXXX XXXX XXXX XXXX XXXX There is no evidence of this judgment and the Law Firm representing XXXX XXXX told me that they are not pursuing a Judgement. Also, XXXX XXXX also told me that they have no account, in my name, that is in judgment status. Please, send me a copy of the data that you used to verify that I have an actual judgement or remove this false information Without my knowledge or permission, Lexis Nexis has furnished in accurate information that has caused me Undue MentalXXXX  and Financial Duress. Lexis Nexis has added to life as a currently 100 % XXXX veteran. 

I have attached a copy of my military ID and also a copy of my social security card for identification verification. This is the only forms of identification that I have because I do not drive due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dear Sir, Last 20 years I'm suffering a lot of problem from Debt collectors ( Midland Credit ) and Credit Bureaus. I have used only One name ( first middle last ) in my hole life but every few years some debt collector and credit Bureaus Add some different name ( someone else which I don't know ), address, phone number to my Credit Reports. Last 15/20 years whenever Credit Bureaus adds Someone's name in my credit report, my credit scores go down and my credit card APR go High. sometimes 29.99 %. when APR is 29.99 % every month my 6/7 credit cards charge me almost {$500.00} every month, sometimes more then {$500.00} every month. I'm a low Income person and If I'm paying {$500.00} Interest every month, how I will get out from my credit cards? Today XX/XX/XXXX XXXX in my credit report have four different names include my name and seven different phone number which is not mine. Last 2/3 years I'm having a lot of financial problem and I'm in Pandemic Unemployment since XX/XX/XXXX till now. I do have four people in my family and I know that, Million Million peoples are Struggling in this pandemic. So, please help me to have only my name in my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I KEEP DISPUTING MY PERSONAL INFORMATION SUCH AS ADDRESSES, EMPLOYMENT, PHONE NUMBER ETC AND IT WONT REMOVE OFF OF MY REPORT. I ALSO HAVE ACCOUNTS THAT I HAVE ASKED TO BE CLOSED OR FOR A PAYMENT ARRANGEMENT DUE TO SUFFERING IN SEVERE HARDSHIP AND LOSS OF INCOME DUE TO COVID 19 AND IT DISAPPEARS OFF MY CREDIT ONLY TO BE READDED. I ALSO HAVE A CAR THAT I ALMOST PAID OFF AND IT HAS COMPLETELY DISAPPEARED FROM MY ACCOUNTS. I HAVE REACHED OUT VIA XXXX XXXX XXXXXXXX, EQUIFAX, XXXX AS WELL AS XXXX AND THEY HAVENT REMEDIED ANY SITUATION. I EVEN HAD A SCHOOL TUITION LOAN THAT HAS BEEN SOLD TO A 3RD PARTY WITHOUT NOTIFYING ME AND AS BEEN CHARGED WITH INTEREST THAT WILL NOT COME OFF OF MY REPORT. THIS IS ALL MAKING DAY TO DAY HARDER AND HARDER BECAUSE I CANT/DONT QUALIFY FOR ANYTHING DUE TO ERRORS ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing in Identity Theft I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence.

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 2022-03-07
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/XXXX I received a letter from XXXX XXXX that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that XXXX received all of the appropriate documents but they are still is reporting this information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: NC
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:
Hello, I have disputed, called and wrote /mailed all XXXX credit companies Experian XXXX XXXX XXXX XXXX about the personal information that listed I have sent in proof of my identity & actually address to all XXXX but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX NC XXXX XXXX my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, 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 2021-05-18
Company: Experian Information Solutions Inc.
State: VA
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 XX/XX/XXXX I send a letter to the credit company 's standing that my bankruptcy was placed on my credit, not by the courts, and need to be removed. The letter attached from the US court stating they do not report to the credit companies.

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 2021-05-18
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:
This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing in Identity Theft I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/2019 DEPT OF EDUCATION / XXXX Reported : XX/XX/2019 DEPT OF EDUCATION / XXXX Reported : XX/XX/2019 XXXX XXXX XXXX   Reported : XX/XX/2019 - {$1800.00} XXXX XXXX XXXX Reported : XX/XX/2019 + The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On  XXXX / XXXX / 16 , the credit monitoring Transunion was contacted, as we disputed the charges for a program we canceled. Transunion agreed to cancel the subscription, and refund a few of the charges. There were to  be ZERO further charges. Upon review of our account today, due to fraudulent charges, we notice d this subscription service was still being debited from our account, despite the cancellation over the phone. We demand a refund of all charges. The card Transunion is using to make these charges is no longer active due to fraudulent activity. It 's been cancelled by the bank. The refund must be via another method.

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 2020-12-23
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At XXXX XXXX, a family member of mine received a phone call from the number given. I called the number and asked them what was the situation. The person on the line claimed I owed an outstanding debt of about XXXX dollars. I told them that the medical insurance told me everything would be covered, only the copay, I would have to pay, if there was any. This supposed debt is from a doctors appoint from around XXXX. The person on the line threatened to sue me if this supposed debt was not paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I entered my personal information online at XXXX. I was inquiring into a Home Equity Line of Credit. I immediately began receiving calls and emails, but all companies were offering Refinance options, and not Home Equity Line of Credit options. I dismissed them all. 

On XX/XX/2019 at approximately XXXX, I received a call from Quicken Loans. The representative asked " Are you looking to refinance '', I advised, " no, I am looking for a Home Equity Line of Credit. '' The representative then said " We have several options for you, all of your information did not come across from the web, would you please give me your date of birth ''. I provided my date of birth, and advised the representative " Do not run a credit check ''. The representative proceeded to discuss refinance options, and I began receiving notifications that he had just ran my credit without authorization. 

The representative maliciously ran my credit without authorization. This hit to my credit report will be history for the next two years. The entire call was recorded by the representative. I have taken out automobile loans, mortgages, and credit cards previously, and was always asked/warned before an attempt to run my credit was in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good afternoon, I need your assistance please, I 've tried in good faith to dispute and request a refund for the faulty workmanship, substandard shoes and not the shoe size I ordered and I 'm unable to wear. I purchased two pair of shoes from XXXX in XXXX 2016, the shoes appear to have been made in a substandard factory still reeking of a horrible smell and the appearance of grease ( pictures attached ). It took approximately one month later for me to receive my order, I began initiating correspondence to them approximately two weeks after processing my order. After receiving the shoes, I attempted to resolve the dispute prior to engaging my bank. XXXX offered to refund only {$15.00} and later {$30.00}, which both were unacceptable for a {$150.00} purchase. I later contacted XXXX and I could not reach a resolution. XXXX determined that I was eligible for a refund ; however, I would need to return the shoes to do so. The cost to return these shoes to XXXX was {$170.00} more that the amount I had paid for the initial purchase - which was not an economically wise and equitable decision. I contact and submitted all required documents requested for the credit union representative. I later learned from another Navy Federal representative that the time to process a refund had expired.
<P/>
After failed attempts to resolve the matter with XXXX, XXXX  and Navy Federal I found your information to file a claim. It 's so upsetting for a company - XXXX to attempt to defraud me. After submitting my payment and not receiving my shoes timely, I began researching the company and noticed a number of unsatisfactory customer complaints. It is my personal opinion that this customer is defrauding others as well. There are no derogatory complaints on their website but noted on many other sites.
<P/>
I am hard working mother of XXXX and do not have money to give to anyone. Please assist me with obtaining my money for this fraudulent issue.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: FIRST REPUBLIC BANK
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with First Republic Bank for the amount of {$470000.00}. I was approved for the mortgage and received a disclosure containing a rate of 2.85 % for 360 months. The rate contained in this disclosure was contingent upon opening a non-accruing checking account with First Republic and maintaining a balance no less than 10 % of the loan amount or {$38000.00} for 2 years, with the loan amount being {$380000.00}. A subsequent disclosure was dispatched detailing an interest rate of 3.1 %, a modest increase, but one that carried significant repercussions over the lifetime of the loan. The initial dispatch of the preferential disclosure was alleged by a bank representative to be a 'mistake '. 

It was later revealed to me further along in the process that in addition to maintaining a balance of {$38000.00} for two years, that I'd need to switch my direct deposit to use this account, as well as opt into automatic payments from this account for the monthly principle and interest. This treatment effectively ensured that I'd need to terminate my relationship with my current primary bank, which I ended up doing. 

As a first time buyer with a credit score exceeding XXXX with all reporting agencies, I was surprised by the onerous terms imposed upon me in order to secure this mortgage. I have never in my financial history declared bankruptcy or defaulted on a loan. These requirements effectively nullify the benefit of securing the preferential rate, as the required balance loses significant value to depreciation to in the first 24 months of the mortgage.

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 2021-03-25
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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