BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: LEXISNEXIS
State: MN
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:
On XX/XX/2023, I requested a Lexisnexis Consumee Disclosure Report, upon receiving that in the mail, I found serval things that were inaccurate/ does not belong to me, a bankruptcy in the US court, that is not my bankruptcy I have never filed bankruptcy nor attempt to file a bankruptcy. My name is incorrect on that report my name is XXXX XXXX not XXXX XXXX all the address on that report is incorrect. I have called and called this company to dispute all the information that either does not belong to me or that is inaccurate and every representative I get tells me that that report is accurate and mine. Im asking you to delete the bankruptcy that is not mine on my report and all the addresses. I have a right to a fair credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
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:
On XX/XX/XXXX an unlawful inquiry showed up on my XXXX credit report. This inquiry is unlawful because i never authorized it. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, bmo harris is also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. XXXX ) I have attempted to solve this issue myself. Here is what i did. 
XX/XX/XXXX i sent a request for removal to bmo harris through certified return receipt mail. The id is : XXXX. This gave the company 10 days from receipt of the letter to respond. 
XX/XX/XXXX i did not get a response XX/XX/XXXX i have finally had enough time to submit this complaint. 

I know that the company did receive this request for removal, in which i was very specific about the laws they are breaking, so i ask that you reach out to them and push them to complete the removal of this inquiry. 

I have provided all documents needed below. 

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 explanation
Consumer complaint received 2017-04-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Received a loan I didn't apply for

Complaint:
In XX/XX/XXXX or XX/XX/XXXX, there was a car title loan taken out in my name. There was also a phone line opened in my name at XXXX. These accounts were n't opened by me. I only found out about these loans when my wife and I applied for a home loan. Our loan officer denied our home loan due to the fraudulent loans and asked that we cleared up these charges right away. We contacted loanmart and reported the fraudulent loan. We then filed a police report, contacted the XXXX credit bureaus, and kept contacting loanmart. I spent weeks and months contacting loanmart to no avail. They refused to believe our claim. Fast forward to last XX/XX/XXXX, our loan officer checks my credit report and the loanmart loan is showing that it is a charge off. We no longer receive calls or letters from loanmart and assume they realized they made a mistake. Fast forward to today, while I am on a XXXX offsite I get a call from my coworker stating that my car is being repossessed by loanmart. I called loanmart today and they do not acknowledge that this loan is fraudulent and keep insisting that I pay them {$8000.00} to get my car back. The car in question is a XXXX that we paid for in cash about 3 years ago. This has been a very stressful and devastating process. We have done everything we possibly can and have run out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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:
In accordance with the Fair Credit Reporting act XXXX 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 2023-08-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts 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 2023-04-28
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2023 I pulled my credit report and noticed that a an auto loan was reporting on my credit report as inaccurate information. I tried to dispute the inaccurate information with all three bureaus first before reaching out to XXXX XXXX. All three credit bureaus responded back immediately and no chances was made to my credit report. I then sent a certified letter on XX/XX/2023 to XXXX XXXX requesting documentation of my repossession. They respond back on XX/XX/2023 with only collecting agency documents they have failed to comply with my request as I stated in my letter. That a violation of FCRA and under the law of the state of Illinois UCC code 810 ILCS 5/ and States RISA and MVISA statutes a deficiency can not be claim unless all of the required notices was properly and timely giving. I never received any documentation as requested if no such proof cant be provided please consider null and void, any continued collection activities continue reporting. I want this resolved immediately because theyre hurting and causing harm and mentally and physically XXXX. I cant buy a new vehicles due to the damage theyre causing me reporting inaccurate information on my consumer 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 2019-11-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX I recently viewed this on my report and did not recognize this inquiry. I contacted them and no reply with original documentation of me authorizing or signing. This is hurting my credit report and I wish to be corrected as soon as possible.

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 2015-04-29
Company: Pinnacle Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company that has called me is Pinnacle Asset Management. They have stated that I owe a debt for a payday loan. However, I have never taken out a payday loan with the company that they are claiming they represent. When I asked for evidence that the debt is valid they refused and only stated that I have had a letter sent to my home. I have not received any such letter nor have I received an email which they also claim they sent. When I contacted the rep to request that they validate the debt with either the original contact information of the creditor or by providing me with documentation showing that I signed off the " loan '' they refused to comply and stated that they did n't have to do that since they were the mediator. The rep name XXXX then proceeded to insult me by calling me professional debtor. He then pulled up my linked in account and proceeded to read off the information on my linked in account and threatened to contact the people in my list by telling them that I was a professional debtor. He then hung up on me and would not pick up my calls afterward. Another rep was calling my mother and other friends and family.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is reporting a debt to credit bureau and never sent me a letter. I have sent them a letter requesting verification and have not received a response.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$390.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 these companies have violated my rights. 

XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX. # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

I have a right to privacy. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A 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 2021-09-17
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ALLEGED DEBT BEING PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR HAVE ANY KNOWLEGE ABOUT ITS FRAUDULENT PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I HAVE TRIED TO GET THIS ISSUE RESOLVED MULTIPLE TIMES I NEVER GOT THE RIGHT DOCUMENTS TO VALIDATE THIS ALLEGED DEBT SENDING AN INVOICE AND A COPY OF A LEASE IS NOT VALIDATION. I HAVE ATTACHED AN FTC REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MD
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:
My XXXX  XXXX master card appears twice on my Equifax credit report. The last four of the card are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have submitted my disputes to you, and I didn't get a response within 30 days, and you are required by law to do so. Please investigate my disputes. 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 2023-04-28
Company: Resurgent Capital Services L.P.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the company involved and explained to them multiple fraudulent transactions on this account and they did not accept explanation. I did not make these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On Monday, XX/XX/2023 a payment of {$1000.00} was made to begin an agreement to dismiss a case in XXXX XXXX and unfreeze my bank account. The money was immediately withdrawn from my father XXXX XXXX 's account and I was told the case would be dismissed. I was told it would take three business days for the payment to clear and the case to be dismissed. 

XXXXXXXX XXXX XXXXXXXX XXXX did not file a dismissal in XXXX XXXX in a timely manner as retaliation for my previous complaints with the CFPB. My bank account with XXXX XXXX remains frozen as of today on XX/XX/2023. I contacted XXXXXXXX XXXX XXXXXXXX last week on Wednesday XX/XX/2023 and was told that the dismissal had just been filed and that XXXX  XXXX had been sent a letter of dismissal on Tuesday, XX/XX/2023 via US mail. I received this update after I called three times to try to reach someone at XXXXXXXX XXXX XXXXXXXX and received voicemail prompts. They made it difficult to even receive an update on anything. I was told that I could call back with a fax number for XXXX XXXX where they would send a fax to notify XXXX XXXX of the dismissal. 

I provided a fax number for the XXXX XXXX XXXX department and was told by XXXXXXXX XXXX  XXXX on a recorded phone call on Wednesday, XX/XX/2023 that they would send a fax to XXXX  XXXX to have my bank account unfrozen. As of XX/XX/2023 this has not occurred. XXXX XXXX  XXXX has retaliated against me with actions to not allow me access to my bank account with XXXX XXXX more than a week after a case dismissal in the city of XXXX. This is the second case dismissal for this action. Once in XXXX XXXX and once in the city of XXXX. 

There should be fines and legal action brought against XXXX XXXX  XXXX for this retaliation. This is illegal conduct and they do not have the legal right to operate in this manner.

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 2023-08-16
Company: Bread Financial Holdings, Inc.
State: GA
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:
My total XXXX XXXX bill was due on XX/XX/23 in the amount of {$160.00}. I paid this balance IN FULL on XX/XX/23 the day before it was due. To my knowledge, this account was paid off and I no longer owed any money. Apparently, the next billing cycle, Comenity Bank charged me {$3.00} in interest ( even though the total balance was paid off ) and they continued to charge me interest and late fees for 6 months without my knowledge that there was even a balance. They reported it to the credit bureaus on XXXX even though, again, I was under the impression this account was paid off in full. I never received any phone calls or emails saying that I had late fees or was late on any payments and it was not until I ordered a copy of my credit report that I saw this was on there. I have called Comenity Bank 3 times and no one will help other than telling me to write a letter but I need this taken off of my credit report IMMEDIATELY. I can not believe Comenity Bank has the audacity to ruin my credit over {$3.00} that I was unaware of!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
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:
I have attempted many times to remove debt with the companies and no action has been done. I am not responsible for any type of debt on my credit profile and will like it to be removed instantly from my credit report. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/ Hard inquires below XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got alert on my credit report of this account being open and balance of XXXX charged. 
There is no number to contact the company. Contact info on the my credit report shows Comenity Capital BankXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX States XXXX XX/XX/2023 Shows credit limit as XXXX open balance XXXX I need help with this. I have contacted XXXX and XXXX. They stated this could take 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I leased a vehicle from Chrysler Capital in XXXX. My lease was scheduled to expire at the end of XXXX. I did terminate my lease agreement approximately five months early since Chrysler Capital would not let me purchase the vehicle. When I returned the car, I was expressed by the dealership that I would receive paperwork in the mail of what my XXXX total would be to Chrysler Capital. Unfortunately, still to this day, I have never received the final bill. I have contacted Chrysler on numerous occasions by phone and by mail to attempt to retrieve my final balance. Chrysler Capital reported it positively on my credit report for many years, even though I did not make a payment past XXXX. I hired a third-party legal team to attempt to contact Chrysler Capital XXXX I believe that since I hired a third party, Chrysler Capital decided to reverse the information they were giving to the three credit bureaus and report negatively and then turned it into a collections account within two weeks. XXXX XXXX and I have made numerous attempts to contact Chrysler Capital to rectify the situation and pay the balance. They have chosen not to reach out to me ; they have never given me a final bill. They've never even given me the estimate of what the car was sold for after turning it in. I received a notice from Chrysler Capital stating that they added a {$420.00} charge to a closed account. There is no further explanation in the letter. Just for merit, they are charging me {$420.00}. I don't know what else to do, but this company thus far has made it extremely difficult to have any future ties or business dealings with them. I am hoping by shedding light on the situation, and somebody could bring clarity to a stressful situation I have all documentation for everything stated in this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2020 I took a flight to XXXX XXXX heading to XXXX XXXX. I visited an atm machine with the name of XXXX/ XXXX  XXXX. I personally requested from the atm machine {$400.00} dollars American currency. The atm machine had a withdrawal fee of {$7.00}. I was immediately notified from my bank app of XXXX atm withdrawal. I immediately contacted US Bank after the notification on XX/XX/2020. After contact I stated that an over charge was charged to my account of XXXX. They filed a dispute against XXXX and must rely on their information therefore denying the dispute. I have no record of withdrawing amounts over {$400.00} on atm machines. All cash withdrawals over {$400.00} is not allowed in any us bank atm machines. As of XX/XX/2020 US Bank will withdraw the provisional credit provided. A second dispute has been opened as of XXXX.Travel notification was not set for the card. Fraud division failed to detect fraudulent charges on my card. How can such amount be accepted and not denied. This transaction is out of the normal for my activities.

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