BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: Kriya Capital, LLC
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:
This account was removed multiple times from my report and keeps reappearing. I never was associated with this account nor did I ever sign any agreement with CREDENCE RESOURCE MANAGE. It says account was open XX/XX/22 thats false I didnt apply for any accounts during that period. I will like to see a debt validation letter from this account Im 100 % confident I never signed and agreements or contracts with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
When I sent you a copy of the FTC report, it became clear that you are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. I will turn over my records to my attorney so that a legal process can start if you choose not to stop the following items listed below from answering incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: VYSTAR CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have not been able to access my online accounts for over 11 days now. I can not see any transactions, account balances or any other information through online banking. Additionally, I can not see or make any payments towards my credit card through this bank. VyStar has provided no timeline as to when I can expect to access my accounts again.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
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 following account have violated my rights. 

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 - THESE ARE HARD INQUIRIES THAT I NEED TO HAVE REMOVED FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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 reached out to the credit bureaus to verify everything on my report and they state everything was accurate. and I also did a thorough research myself and found improper accuracies on my reports even after they verified. 


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

15 U.S.C 1681 section 602A. States i have the right to prIvacy.

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

Documents attached have proof that the accounts open dates, balances, limits, last reported dates, comments, last day active, and date of last payment are all inaccurate on all bureaus. they all say different things. also 3 inquiries arent mine XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My issue started with an overdrawn balance of XXXX on the XX/XX/2019. I was not aware of the issue until receiving a correspondence form TD Bank in the US mail, that my account was overdrawn. The letter informed me that the account was overdrawn and a fee of {$35.00} was assessed on XXXX. 

I then deposited {$140.00} on XX/XX/2019. I was surprised that the account was still negative ( XXXX ) I then deposited an additional {$100.00} for a total of {$240.00}. however, my balance was reflecting {$90.00}. 

At XXXX XXXX I was able to speak to a platform clerk. He was able to help with reversing one overdraft fee of {$35.00}, a maintenance fee of {$15.00} and a paper statement fee of {$1.00}. He suggested that I speak to the manager of the branch., who would be available later in the day. I returned later on the XXXX but the manager was not available. I then came back the following day on XX/XX/XXXX again the manager was unavailable and the person on the platform would need an override key. I then went again yesterday XX/XX/2019 spoke with the manager, who agreed to credit half the fees and made it sound like she was doing me a huge favor. 

Subsequently, I was able to get online access and could see that I was accessed an overdraft fee on XX/XX/2019 and again on XX/XX/2019. I am irritated that a XXXX negative balance has morphed into {$280.00} of overdraft fees and a {$15.00} maintenance fee for being below {$100.00}. The bank is engaging in unfair and deceptive practices. 

I am attaching the account activity from XX/XX/XXXX XX/XX/2019and  attaching an image of my account being accessed an overdraft fee today XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-16
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis has not properly investigated the public record items enclosed. I am requesting they be removed from my report pending a thorough review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: IN
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:
PLEASE INFORM ME AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES TO DISPUTE THIS ACCOUNT OFF AND NOTHING HAS BEEN DONE ABOUT IT, NEITHER IS IT VERIFIED OR ACCURATE WHAT SO EVER. THE ACCOUNT FOR XXXX LOOKS LIKE IT'S FROM XX/XX/2017 WITH A BALANCE OF XXXX REPORTING 60 DAY LATE PAYMENTS. PLEASE INFORM ME AS TO WHY IT'S STILL ON THERE.

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TRANSUNION LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

The reporting of inaccurate information by the above companies has affected my character, my reputation, livelihood, and ability to obtain credit and a house. 

These companies have affected my livelihood and knowingly continue to break all the ( FCRA ) laws that are put in place to protect the consumers. 

These agencies have removed the below accounts once I make a complaint with the Consumer Financial Protection Bureau then they will RE- ADD the same accounts that were deleted after they feel the investigation with the Consumer Financial Protection Bureau XXXX done or closed. 

They continue to SEND ME MAILED LETTERS SAYING THAT THE FURNISHERS HAVE VERIFIED THAT THESE DEBT ACCOUNTS BELONG TO ME, THAT IS NOT ( ACCURACY, COMPLETENESS, & VERIFICATION ). 

The below accounts continue to violate my rights in Pursuant to section 611 ( a ) Of The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumers credit report alleged by the consumer to be inaccurate.

1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This account has been in collection for over 13 years, soon to be 14 years old. It was first held by 12 XXXX XXXX for over 7 years. And then sold for pennies to XXXX XXXX XXXX. This company has held it for more years. This account is as old, or from 2007 till present - over 10 years old - this account should have been closed. XXXX bought this account for XXXX, and ignores the fact that it is already more than 10 years old in collections. This account should not be kept in debt or collection. It is breaking the RULES of LAW in collection. 
XXXX XXXX XXXX {$790.00} I contacted TransUnion but they keep saying there is a glitch, or an error on file. They can't remove it they say. TransUnion is having a problem, or making it. 

This account is over 10 years old in collection. It should have been removed years past, but has not.

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 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I paid off and closed my personal line of credit with XXXX XXXXXXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with Transunion, XXXX, and XXXX. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.

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 2022-07-11
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: MI
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 appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX ; XXXX XXXX; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX, MI XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I wrote and mailed a check for {$290000.00} to Loancare to pay down my mortgage on my new home in XXXX XXXX. The sale of my condo in XXXX fell through so I didnt want to use that money for this. I called Loancare and was told not to worry because it wasnt a certified check and it wouldnt be cashed. But it was cashed. Fast forward. After 5 phone calls and 4 hours of being held on Hold Im still no where with these people. My requests for them to wire my money back has not happened due to them not requesting the proper documentation at the onset of my request. It has been 16 days since they cashed my check. Ive sent them photos of both the front and back as requested of the cancelled check and still no results whatsoever. Im frustrated and extremely angry as Im losing interest every day that my money is sitting in their hands. I also need that money right now. 

Four hours of waiting on the phone has not a produced a real live person to get this thing resolved. Ive talked to several people earlier but nothing gets done. Dont think theyre crooks ; just inept. 

HELP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My mother, XXXX XXXX, was the victim of scammers who urged my mother to send money " urgently '' to help my sister, XXXX XXXX. My mother sent three checks from her bank XXXX XXXX XXXX. As soon as my mother realized she had been scammed, she signed up for credit monitoring service from Equifax. This was in XX/XX/2017. Because the scammers had resulted in my mother 's account being completely overdrawn, the bank closed my mother 's account. 

My mother was able to open a new account at XXXX XXXX XXXX  later the same month. When she did, Equifax then began to withdraw money from the new account. As Power of Attorney, I notified my mother immediately about her having been identify as part of the major security breach at Equifax and set up a free XXXX XXXX XXXX XXXX. Because Equifax had so many calls at the time of the breach, the process was lengthy and I made calls over a few days to get her account set up. The representative told me that my mother 's paid Equifax credit monitoring subscription would be cancelled and she would no longer be billed. She continued to be billed by Equifax even though I tried to resolve this. I called Equifax during the last weeks before her death and told them that my mother 's bank account would soon be closed. Equifax assured me they would act to stop the withdrawals and would work toward a refund. They requested documentation, which I sent to them. They requested something showing my mother 's address, which I sent to them ( a XXXX Bill ) ;  copies of her identity ( driver 's license and social security card, and other information they requested ). I have had no contact with Equifax except a congratulatory email extending her XXXX XXXX for another year. For the record, Equifax did attempt to withdraw one time after her XXXX XXXX XXXX  account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: LEXISNEXIS
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:
On XX/XX/2023. I sent LexisNexis a letter requesting my personal information to be updated and a security freeze be placed on my Consumer Report, and also to opt-out of them disclosing future information until further notice including the C.L.U.E report!

I also requested a updated copy via mail of my Consumer Report and I have yet to receive any of the requested information.

Company response to consumer: Closed with explanation