BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: LEXISNEXIS
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 have reviewed by credit report from XXXX dated XX/XX/XXXX, and discovered once again an inaccurate and incomplete record reporting on my file as " XXXX XXXX XXXX XXXX XXXXXXXX '' Reference # XXXX. In my dispute according to complaint # XXXX, I requested that XXXX provide me the " SOURCE '' of the information for this disputed inaccurate and incomplete bankruptcy record. XXXX has refused to provide this information which is intentional and reckless. According to the FCRA XXXX is required to provide me the source of information in accordance with 15 US 1681g ( a ) ( 2 ) which states " Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer '' ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. '' In dispute and case # XXXX ( attached ) XXXX admitted to not contacted the courts for this information and stated that he relies on " Public Record Vendors '' which is what is reporting on my credit report ( attached ). If this has changed, XXXX needs to " CLEARLY '' state it's source. I have also attached a disclosure from Lexis Nexis who has stated that they provide XXXX with public record information. My Lexis Nexis disclosure report does not include a bankruptcy, this has been provided to XXXX on numerous occasions. Additionally, Lexis Nexis is not authorized to share my data with XXXX or any other source with the exemption of Law Enforcement per my suppression request. It is illegal Lexis Nexis to report information that has been disputed and unable to be verified as accurate. It is also a violation of privacy if Lexis Nexis is sharing my personal data without my consent. I am requesting XXXX provide me the source of information and how it verified the completeness and accuracy of this record. I DO NOT accept the investigations completed on XX/XX/XXXX, XXXX or XX/XX/XXXX as they DO NOT address my dispute and request. If XXXX can not do so within 30 days of this dispute, it must delete this record from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Atlanticus Services Corporation
State: NH
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:
On XX/XX/23 I received a pre approved credit card offer from aspire bank that said to scan the QR code provided to find out more information. I did as so. After reading through they outrageous annual and monthly fees I declined the off and did not submit an application. The next day XXXXASPIRE showed up on my credit report as a hard inquiry. I am trying to rebuild my credit score and even a small hard inquiry is a big deal to me. Especially since it was a pre approved offer and an offer I declined to take. I feel like I was wrongfully taken advantage of by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Information belongs to someone else

Complaint:
I checked my credit report XX/XX/XXXX and XXXX XXXX XXXX XXXX  was on my credit report along with a Texas address I did not recognized. The lease/loan was opened XX/XX/XXXX in the amount of {$2800.00} and the balance is currently {$2900.00}. 

I immediately contacted XXXX and they told me based on my social security, phone number, name and address they could not locate an account for me. I then disputed the account thru experian and also filed a police report. But the company is still refusing to delete and or terminate the lease thats in my account that I did not open. 
Experian has contacted them to let them know I did not open this account and this is fraudulent. XXXX can not locate an account yet it is still showing up on my credit report. 

I have had a fraud alert and lock on my account since XXXX as I am unsure how this has happened to me.

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 2023-06-24
Company: SANTANDER HOLDINGS USA, INC.
State: WI
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 received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. Chrysler Capital XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not authorize these creditors access to report to my credit report. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN # 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 2022-04-11
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: Information belongs to someone else

Complaint:
I recently checked my report and noticed Unauthorized, unknown and Unrecognized inquiries on my credit report. 

- XXXX XXXX XX/XX/2021- XXXX XXXX XX/XX/2021 I would like to have these items removed promptly. 

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 2022-04-11
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:
I recently checked my report and noticed Unauthorized, unknown and Unrecognized inquiries on my credit report. 

- XXXX XXXX XX/XX/2021- XXXX XXXX XX/XX/2021 I would like to have these items removed promptly. 

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2018-10-29
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
On my XXXX report I have debt collecter XXXX XXXX collecting for XXXX XXXX in XXXX. I have made 3 dispute claims with XXXX and XXXX and it still remains on my report. First attempt XXXX, second XX/XX/XXXX, & XX/XX/XXXX. Each complaint gets returned correct debter. That is not factual I'm telling XXXX XXXX XXXX its fraud and filed with the FTC for documentations. I spoke to XXXX ( XXXX ) whom was uncooperative to my needs to have this remove violating my rights to obtain information they deem proves the account is mine. I want this report gone just like XXXX has done as well as XXXX   and with only one dispute filed. Please give me support in mediating and exersing my Fair Credit Rights. 3 disputes and will not remove it is rediculous. Last checked with XXXX XX/XX/XXXX pending investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

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 2017-05-16
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
loan  XXXX  I have attempted to get a loan mod with Ocwen so many times.   Have spoken with them numerous times There 's been no sign of a foreclosure Last week I was told that there was a sale date and I did n't no anything about it It was set for  XXXX  Supposedly its on hold now but not trusted so Could easily lose my investment with Ocwen and my home Would be horrible since I am recovering from a car accident and receiving  XXXX  There is a problem with the promissory note on my loan ; it has strange verbage that Ocwen will not acknowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: GOLDMAN SACHS BANK USA
State: TX
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 credit reporting act this creditor XXXX XXXX has violated my rights under 15Uc 1681 section 602 states that I have the right to privacy 15Uc 1681 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15Uc11666B a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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 XXXXXXXX, XXXX XXXX XXXX, and XXXX have 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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am uploading information and my exhibits. This company is in violation. I have tried to fix this matter but the company keeps sending the same response if they respond at all.

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 2019-01-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had an American Express prepaid card for years. They sent me a letter stating they closed it in XXXX for no apparent reason, just a generic article that they can close it for any reason. I still had over {$130.00} of my own money on the card. When I call with my number it says your account is closed and hangs up. When I call from my sons number the rep says a check has been sent and the account is closed and can't tell me why or where the check is. I just want my money back. I also sent a letter to them in XXXX and still have not received a letter, email, check or any kind of response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26
Company: Amsher Collection Services, Inc.
State: NC
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:
Hi, I am XXXX XXXX XXXX I checked my XXXX Report back in XX/XX/XXXX  and I had a collections from Amsher Collections, a business I have never engaged with. I sent Amsher Collections a validation of the alleged debt request XX/XX/XXXX  and within XXXX week of receiving my green return receipt I seen that Amsher Collections was removed from my report. I have also sent Amsher Collection an Affadavit of Facts and an Invoice for them to pay dated XX/XX/. Tracking numbers for all : XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 my card was used to make a purchase at XXXX in the amount of {$80.00}. I did not make this purchase and my actual card was still in my possession. I didnt realize my account had this charge until after my shopping trip to Woodmans on XX/XX/XXXX. I called Chase and was advised the fraud department was already closed for the day and the rep told me to call back during normal business hours. He also told me to lock my card so no other purchases go through. I locked my card and called back the next day to report the suspicious charge. I had them cancel that card and send me a new one in the mail. After their investigation they came to the conclusion that I authorized the purchase because my card was used and my card has a chip in it ( Apparently criminals/hackers/scammers do not exist in the Chase Bank world and they cant make fake cards ). I phoned Chase on XX/XX/XXXX and spoke to XXXX. XXXX XXXX, he was unable to access the info regarding their investigation so I asked to speak with a supervisor. I was then transferred to XXXX who just reiterated to me that it was denied due to the fact my card was physically used at the store. She said my card was never reported lost or stolen ( because it wasnt and XXXX not a liar ). She also said there was another transaction after the fraudulent one in which I told her I did make the purchase at XXXX and didnt realize anything was wrong until I checked my account balance after the XXXX purchase. She told me she would have the case reinvestigated and to call back in XXXX business days. I called back XX/XX/XXXX and spoke with XXXX. XXXX XXXX, the case was never reinvestigated as they didnt have any new information to reopen the case. Chase Bank made me feel like the criminal. The one who lied. The one who stole. When I did nothing wrong. It is very disheartening to receive such poor customer service when you are already going through a frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am filing a complaint agains t LVNV Funding, LLC, for unfa ir/unlawful debt collection practices. This company purchases charged off accounts from creditors then misrepresents themselves in court as  the Judgment Creditor. Apparent ly, they filed a judgment against me in absentia and are now trying to garnish my wages. I work for an employment agency as a long-term temporary employee and barely make enough to live on, so I ca n't afford a garnishment. Although, that is a moot point as this is n't a valid debt to begin with. According to the paperwork I only just received on Friday,  XXXX   XXXX , there was a Judgment filed on  XXXX   XXXX ,  2008 . I was never privy to any information about said court date ; I never had a Summons served, I received neither phone calls nor letters from them - not an absolute thing. I have not been told who the original creditor is, so I have no proof that this debt ever belonged to me, and, finally, all of my old charged off accounts have fallen off my credit report this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] LISTED ACCOUNTS BELOW 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