BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: LEXISNEXIS
State: OH
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the  XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I have an equity line of credit with BMO to consolidate some credit card debt from equity from my home. The most important issue is the bank was to disperse the funds to the credit cards. There was to be a {$10000.00} check sent to XXXX. The check was allegedly sent to XXXX but was not received by them. BMO is stating the check was sent XXXX says not received. I have started paying my BMO line of equity back. BMO has stated that I need to pay my XXXX bill as well to not be in default with XXXX even though funds were to be dispersed to XXXX. I am now having to pay the equity line of credit, the XXXX bill and am accruing interest on a XXXX bill that should have been paid off in XXXX. Not only am I dealing with this financial strain, the whole process of dealing with BMO has been a nightmare. From BMO sending my highly confidential financial documents to some unknown address ( which they are providing fraud protection for a year that I had to demand and waited for for a month ) to this issue with missing funds equaling to {$10000.00} plus interest. I have been working with the branch manager from BMO who has not provided a timely solution to this issue. As I explained to the BMO branch manager - they have put a lean on my home for this line of equity which is fair but now I am in financial unease because of the fund and personal financial information mishandling of BMO. Attached is the letter from 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 2019-01-31
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identify was stolen I provided XXXX XXXX XXXX with the police report. XXXX XXXX XXXX   verified that they received the report and would remove the charge off. The credit agencies are still showing the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting 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:
PLEASE REMOVE THIS ACCOUNT, IS NOT MINE XXXX XXXX  XXXX XXXX Date Opened XX/XX/2015

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 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-23
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX XXXX 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

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 2023-09-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian has flagged my account saying I'm a minor. I'm XXXX XXXX XXXX is XX/XX/2001 I've tried contacting Experian but the website won't let me create an account or talk to customer service. i need this fixed ASAP so i can move into a home.

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 2023-05-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is fraudulent not my account please remove 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 explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX CARD account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX According to XXXX XXXX XXXX ( XXXX ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TIDEWATER FINANCE COMPANY, INC.
State: KY
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:
had a van, XXXX XXXX was the lender, purchased the van after a bankruptcy Tidewater listed the account on my credit report and my wife 's all three as filed bankruptcy. we reached out to XXXX XXXX XXXX after trying to trade the van in, the car dealership told us that they could not take the van because we filed bankruptcy and was told to give it back. they sold us a new car and Tidewater took the van back and now are trying to sue me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX. 
Experian is very quick to report negatives on my account. When looking at my balances I've found they fail to recheck on accounts. Yet my score is being dropped XXXX points. Only XXXX points increase today as most of my balances are lower then the debt shown on the 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 2023-05-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

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

15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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 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 2019-01-31
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Initiated two transfers to bank account on XX/XX/19. Company requested identification on XX/XX/19, and it was provided on XX/XX/19. On XX/XX/19, company said account was closed and did not identify how the transfers of XX/XX/19 would be sent, even after verifying my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Why is my score with yall 100 points less then the other credit bureaus

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 2023-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$800.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX XXXX {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX : XXXX RIVER XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$800.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$3700.00}

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 2018-05-23
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
32 years ago in XX/XX/XXXX I bought a new XXXX and took out a XXXX loan for 36 months. NYS DMV issued a title for the car showing the lien. I paid the loan off in XX/XX/XXXX and received a loan satisfaction letter from XXXX. NYS DMV removed the lien from the title and sent me a new clear title. Sometime in the intervening years I lost the clear title. 

A few months ago I paid NYS DMV to issue a replacement title. When I received the title it listed Ally Financial as a lienholder. Ally Financial has been a successor in interest to XXXX since about XX/XX/XXXX. 

Ally Financial can not locate any documents supporting this lien for this 32 year old car. They can't tell me if someone else fraudulently borrow money on my old car. They can't release the lien. As a result, I can't sell the car to  a junk dealer! 

I have no open accounts with Ally Financial. The only identification number I have is the VIN for the 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 2021-02-12
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:
Attempted to remove fraudulent credit inquires from credit report. The inquires don't belong to me and were incorrectly placed on my credit report. Please remove inquires ASAP as these are not mine.

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 2023-07-27
Company: Verified First, LLC
State: NC
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:
case number : XXXX XXXX I was told by police that were present at the time of both issues, that damage to personal property within a residence was not a crime. Unless it occured within somebodies private area, which in this case is our respective bedrooms because despite my mom not being on the title, she is considered a resident. SHE is the one who has been destroying the property in its entirety. While me and my little brother only tried to do the right thing and help her out. She is the one on probation and XXXX XXXX just getting out of XXXX XXXX from rha that she had been a part of for over a year. Somehow this has no pending court date, I have no been served any papers, and the police that were on scene said this was not a criminal case. So why is it showing up? I have evidence of many many jobs i have applied for in serious need, and this is most likely the cause of me losing potential money. So I will be finding a way to bring this case up and try to get some sort of financial aid from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2018 I submitted a dispute in hope of correcting information fraudulent account on my personal credit, however ; nothing was ever addressed

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 2023-05-15
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:
There are incorrect addresses that's on my account and fraudulent addresses on my Experian credit profile that I do not recognize. These addresses I have never lived at and want the deleted and removed from my Experian credit profile. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type - XXXX XXXX XXXX XXXX, NC XXXX Resident type Apartment complex

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 2022-04-22
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I refinanced my mortgage. In XXXX, I owed a payment to XXXX XXXX. I mailed that payment but XXXX XXXX applied it to the wrong account somehow. In XXXX my loan was sold to XXXX XXXX. I sent them a check in the mail and they sent correspondence saying that I still owed a payment. The XXXX payment to XXXX XXXX and the XXXX payment to XXXX  XXXX both cleared my bank. At that point loan care said that they wire transferred the payment to XXXX XXXX. I had written confirmation on XX/XX/XXXX that the payment was transferred. In XXXX, my loan was sold again and this time to XXXX XXXX XXXX. XXXXXXXX XXXX  reported that one payment was still missing and it was reported to my credit report so I sent them a double payment in the month of XXXX. Despite numerous emails back-and-forth and many hours on the phone, none of these three companies is crediting me for that payment. 

My name is XXXX XXXX and my phone number is XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-15
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: Reporting company used your report improperly

Complaint:
I have sent and 3 letters telling the credit report to delete items thats on my credit that incorrect and they not respond back to me i been trying to get the items of my credit since XXXX and they still are reporting items on my credit thats incorrect

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