BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is a complaint about XXXX insurance and their apparent use of XXXX . which is subject to the FACTAct which is missing information regarding insurance on the property for which I served as Trustee and now serve as manager for the management company for the present owner ( s ). <P/>I served as the Trustee of my dad 's trust managing his home and financial affairs during his late life and after his passing. I arranged for and paid the premiums of his homeowners/ landlord policy. After his passing, I arranged and signed for the transfer of ownership to my younger sister and her husband and became ( rental ) property manager for them as they live in a distant location. <P/>In arranging property insurance for them with XXXX, I am now advised that they have issued the policy with a one month term and non-renewal notice based on the statement that no insurance is presently in place. This is not true and I have evidence to show that. Further, they did not reach out to either the agent nor to me or the owner to obtain clarification. It appears that they have relied solely on XXXX. This database is apparently not up to speed as the change in ownership and change in insurance and prior insurance agencies have muddied the water. <P/>I have contacted the XXXX Chairman 's complaint hotline : XXXX XXXX at XXXX x XXXX. She said she is unable to receive from me the evidence of insurance that I wanted to provide to them. I do not believe that LexisNexis ( owners of XXXX ) will respond sufficiently fast in correcting their database, and then am totally skeptical that XXXX will correct their inaccurate assessment timely to avoid an insurance crisis. <P/>Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2021-12-03
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
We bought @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH ( XXXX ) XXXX A Used XXXX XXXX XXXX on XX/XX/XXXX. 

The financing was though XXXX XXXX Bank : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX At the Time of close. We were informed our Credit was less than Stellar?? This is the Best we could get?? Denied access to Death Loan Pay Off and or Unemployment Loan Payoff Insurance. This due to our advanced age and poor?? Credit Rating?? 
I dispute this. We have a Rating of GOOD then as now. 
Take it or leave it. This is the only way the Bank will Write this Loan. 
I've never seen a Loan Agency EVER so anxious to repossess a Used Vehicle. Especially one being 8 MY 's old at the time this Financial Arrangement was made. Not even a Rumor or Whisper of such. 

My Wife did receive notifications on why Financial Institutors turned her own for credit Lending. I did EXCEPT for Equf.. located in XXXX, Georgia. Again they insist I am my deceased FATHER. I requested VIA Telephone 4 Times since to have their Reason Why sent to ME. None such as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Midland Credit Management, has filed a complaint on my credit report. I have never owed or done business with this company. 
This has brought my credit score down to a poor level

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with my signature. These are the certified mail tracking numbers XXXX along with numerous of other attempts to remove this invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had accidently made a second deposit on a check on XX/XX/2021 i got from my insurance company for property damages of {$2200.00}. The fund was deducted from my checkings account and the check was never returned to me. I talked to the banker and the issue still hasnt been resolved, or them knowing where my funds go. The insurance company said the check was cashed so they can't write me a new check even though i have a mail saying the money was never cashed. The bank has been holding this fund and nobody knows where it's at. The check was from wellsfargo bank which is also the account i have my bank with. Please 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 2021-12-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express has frozen my 1,200,000+ miles not allowing me to use them or giving me any reason why, and unable to give me a date they will be unfrozen. I have called their rewards department numerous times trying to get answers - I have been an AMEX member for 12+ years and these points were accumulated over the last year. 

Their inability to give me answers or release my points has cost me over US {$8000.00} in increased travel costs for XX/XX/2021 since I was not able to use my points for the trip.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 70 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly started that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On XX/XX/XXXX I applied my " cash back '' towards a credit on my balance but in order to do so I had to cancel auto pay for this transaction to happen expecting it was just temporary in order for the transaction to go thru. I also confirmed that my auto pay was still activated therefore it will still automatically make my payment. 

On XX/XX/XXXX without being aware, my autopay was cancelled but definitely not by me as I did it on the XXXX temorarily for that transaction yet as stated autopay was still activated. 

On XX/XX/XXXX when I didnt receive a payment receipt notice I log online and notice that my auto payment never took and I was charged a late fee so I manually posted a payment. At this time I reconfirmed that autopay was activated. 

As my auto pay being activated it should of made a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband and I had federal student loans from our XXXX and XXXX  education and we needed to consolidate to be able to afford to repay them. We were told Nelnet was a servicer of our federal student loans and so we assumed we qualified for the cares act COVID relief. Once the announcement of the relief was made we stopped paying our loans but just discovered nelnet is reporting our loans as defaulted. When i asked why they said that it was only for people with dept of education loans ( which ours were ) but that nelnet was a commercial servicer. This was never explained to us and seems exploitive since we would have never turned down the benefits and protections of federal student aid. We are now facing default and nelnet has not provided any support of guidance for what we know is a mistake. We know we are not the only borrowers who assumed we had relief during COVID and you can see from our payment history that we only stopped once we learned of the cares act relief for federal student loan borrowers. Our credit is ruined for XXXX XXXX and we need legal support to address the predatory and neglectful nature of nelnets financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on my credit report

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 2021-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 XXXX  and XXXX  are my two accounts that are with XXXX XXXX. These accounts went into collections with portfolio. Was told that when These accounts are paid in full they will do a tradeline deletion, this has not happened ... ... XXXX XXXX has been paid since XXXX of XXXX  and XXXX  since XXXX  0f XXXX, portfolio recovery stated that they send the letters to all 3 credit bureaus no tradeline deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Synovus Bank
State: VA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting a debt I do not owe. This account is fraud and I have filed a police report # XXXX with officer 's XXXX and XXXX. XXXX has yet to prove this debt is mine and it needs to be 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 2019-07-15
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
GM FINANCIAL IS REPORTING THAT A LATE PAYMENT ON MY BUREAUS.I HAD NEVER PAID LATE OR MISSED A PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a former XXXX customer that has billing issues that the company has not been able to resolve through normal channels, despite numerous ongoing attempts by me. I canceled my phone service to XXXX on XX/XX/XXXX and paid off the service account at that time. The phone ( equipment ) was paid off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX leaving me with no balance for phone service or equipment. In XX/XX/XXXX I received a bill for phone service. I tried to access the account on line but I could not because the account had been paid off and closed down. I called XXXX to find out why I was receiving a bill. I spent hours on the phone because they could only see that the account was paid off and closed down and could not understand why I received a bill. After many transfers and several hours, I finally talked to someone that said that they could see that the bill was a mistake. They assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. In XX/XX/XXXX I received another bill for phone service. I again called and spent hours on the phone trying to resolve the issue until finally someone assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. This went on month, after month, after month, after month ( at least XXXX months ). Finally I decided to take their advice and start ignoring the bills that your company can not find a way to resolve. Now my account has been sent to collections and my otherwise perfect credit is ruined. Sunrise Credit Services , Inc. XXXX XXXX XXXX, XXXX , NY XXXX, ( XXXX ) XXXX is trying to collect {$210.00} & my otherwise perfect credit is ruined.

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 2022-04-29
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:
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. 

- XXXXXXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Here is a list of all my hard inquiries above that 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ASSET ACCEPTANCE , LLC TRIED TO SETTLE THIS MATTER XXXX, XXXX. THEY STATED THAT WE HAD NO EVIDENCE THAT THEY KEPT CALLING MY CELL NO. XXXX XXXX XXXX XXXX. SEE ATTACHED ATT RECORDS, 3 CALL 'S ON XXXX XXXX, XXXX. 

WE ARE BACK TO RE-SETTLE THIS MATTER WITH MONETARY VALUE, PLEASE SEND STTLEMENT AND RELEASE IN THE AMOUNT OF {$1500.00} FOR T.C.P.A. VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIAN WILLFUL AND NEGLIGENT NONCOMPLIANCE AGAINST CODE OF FEDERAL REGULATIONS AND FCRA. I have sent Experian numerous FTC reports regarding this alleged account, and they continue to not block the account because of their internal policies. Experian has reinvestigated this account and verified this account is reporting accurately over 8 times. This account is not reporting accurately due to the fact it is a charge off reportin a past due balance every month. This account is no longer being collected on. If Experian has verified this account as reporting accurately over 8 times, why is it INACCURATELY reporting on my consumer report. My right is for my credit report to be accurate. DELETE this account immediately from my consumer report.

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 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.

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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a refund from XXXX for {$510.00} on XX/XX/XXXXXXXX. XXXX told me to wait 30 days before the money refund back to my savings account. So I waited and I still did not receive any money. I called BOA and they said they did not receive any money and XXXX said they already refund the money back to my account.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation