BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: LEXISNEXIS
State: IL
Product: Credit reporting 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 writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis regarding inaccurate and unauthorized information that has been reported on my consumer report. I believe that this inaccurate reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I kindly request your intervention in resolving this matter promptly. 

The inaccurate information in question is detailed in my dispute letter sent to LexisNexis on XX/XX/2023, regarding Report Number XXXX. Despite my efforts to rectify these inaccuracies directly with LexisNexis, no resolution has been reached, and my consumer rights continue to be violated. 

The disputed items include : Identification Records ( XXXX XXXX XXXXXXXX ) Multiple names associated with my LexID without my authorization. 
Section 2 - Address Characteristics Records Unauthorized address variations reported on my consumer report.

Section 5 - Online Marketing Records Records reported without my express permission, violating my right to privacy.

Section 8 - Insurance Policy Records Insurance policy records reported without my written consent.

Section 9 - Department of Driver Services Records Driver services records reported without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX FIN XXXX XXXX : {$0.00}, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-07-11
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: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Violation of the FCRA and is in violation of requisite METR02 Compliant reporting standard.

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 2022-02-16
Company: Aqua Finance, Inc.
State: MI
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:
My name is XXXX XXXX XXXX XXXX and I have a loan with AQUA FINANCE INC with the account number XXXX but I was never late on making my payment. However, the 30 days late which was tagged in different months. It was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2022-11-08
Company: DISCOVER BANK
State: SC
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:
XX/XX/2022 I noticed that my credit score has dropped due to inaccurate reporting. I have attached screenshots of my online XXXX credit report and my Discover card account. The fair credit reporting act law 15 U.S code 1681 states that all consumer reporting companies must provide a account credit report and score. XXXX is not showing the Reporting balance/Available credit that Discover is reporting. This inaccuracy has lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

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 2022-03-25
Company: Dovenmuehle Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am beyond frustrated with the complete lack of accountability and communication on the part of XXXX in the handling of my escrow account/property tax bills. I have been given no reason to believe that they are capable of appropriately managing my account and have no faith that they will follow through with their commitments in a timely and/or accurate manner due to my experience in attempting to work with them. Details below : XX/XX/2022 - XXXX received notice from the township that the winter property tax bill had not been payed on our property. 


XX/XX/XXXX- I reached out to our mortgage servicer, XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, via phone to enquire further. The representative requested that I send a copy of the notice/tax bill to their customer service email address and that it would take two days for them to receive the message ( for an email? ) after which a representative would be reaching out to me with an update. 


XX/XX/XXXX- I sent a Notice of Error via email to their customer service email address ( XXXX ) including a copy of the notice of delinquency and the updated property tax bill with late fees. I specifically requested that they contact me with any questions and notify me immediately of any updates. 

WEEK OF XX/XX/XXXX- I called customer service again to follow-up on the issue as I had not received any communication and did not see any indication of a payment being issued in the online account information. I was told that they had received the documentation and were working on a resolution and the payment would be issued to the township shortly. 

XX/XX/XXXX- I received notice that the township had passed the tax bill over to the county for collection and additional fees had been assessed. 

XX/XX/XXXX- I again called customer service and was assured that they were working on the issue and they asked that I submit a copy of the new notice/bill from the county. I immediately sent these documents via email to the specified customer service address and again requested that they keep me apprised of any updates. 

XX/XX/XXXX - In absence of any communication I once again reached out to customer service via phone on XX/XX/XXXX and was told that a work order was pending and that the bill should be paid on XX/XX/XXXX. 

XX/XX/XXXX - I finally received communication initiated by XXXX in the form of a letter that simply stating their appreciation for bringing a non-descript issue to their attention and their assurances that they were working on a resolution. 

XX/XX/XXXX - I again called the customer service line to confirm that the payment had been issued and was told that there was now another work order for payment with a scheduled completion date of XX/XX/XXXX that did not include any specifics concerning the amount to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-03-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$730.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$730.00} -This is not 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 2017-11-29
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reviewed my credit report and noticed a debt that had been paid yet it is still appearing on my credit report. I do not owe this debt and would like to have it removed from my report from all three of the major reporting agencies.

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 2017-09-13
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: DE
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 made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. 
I was in communication with XXXX XXXX. 
The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. 
XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/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 explanation
Consumer complaint received 2017-12-08
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled a credit report and saw that XXXX XXXX XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, I am unable to find a licence in the state of Florida on the Florida office of Financial Regulations  website. How are they legally entitled to collect on the debt?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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  number 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 XXXXXXXX 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 2019-10-08
Company: Ascendium Education Group
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX  XXXX XXXX XXXX XXXX, has not honored my cease and desist telephone communications requests. Several times in XX/XX/2019 specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment. 


Under the threat of an administrative garnishment, not having the money, feeling belittled by XXXX, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. XXXX collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing XXXX with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records. 


Today, XX/XX/2019 I again received several calls from a number that XXXX called from onXX/XX/2019. On the XX/XX/2019 call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, todayXX/XX/2019, XXXX sent me an email about the debt. It has become unbearable. 


Also, I spoke with XXXX, the federal student loan servicer, to ask if XXXX  was collecting on their behalf and the XXXX   representative said " no, '' which increased my suspicion of XXXX   XXXX began each call with me by stating that " they've been hired by XXXX '' to collect, which caused me a lot of stress. 


I ask that all the calls connected to the account on which XXXX is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that XXXX  not call me ; - My communications with XXXX reps were abusive ; - XXXX reps deceptively represented to me that they were hired by XXXX  to collect the debt ; - XXXX used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - XXXX may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since opening of acct. in XXXX XXXX Synchrony XXXX XXXX XXXX XXXX credit line XXXX XXXX I use and pay off ( for gasoline to get to work ) I have attempted to login and pay balance XXXX Thru XXXX I have trouble logging in, receiving alerts, trouble with telephone number using manual payment with debit card. I have tried several times throughout day, lunch breaks, before XXXXXXXX XXXX  weekends. Website as well as application would not allow me to login. Multiple times called automated system and asked to Be redirected to CSR or live agent, when I was transferred yesterday I was ingormened that my acct. would be deleted and I would have to re-register, since then the website and app. After several, I mean 10- 15 pictures, let me past security recapture then when I enter my correct info. Tells me that i entered info wrong. I have several screen recordings at different times and days to prove this. I have tried again and again to get to speak to someone today with no luck.

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