BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports Most importantly : Violation of 18 U.S. Code 2721 - Prohibition on release and use of certain personal information from State motor vehicle records You have already being sued in federal court as Gaston v. LexisNexis Risk Sols. XX/XX/2020 for illegally selling drivers information. 

My consumer report which you provided to me is now my exhibit. Full of violations. Also I want to know if you have a copy of my written consent to furnish information about me and share with other entities. As I never signed a contract with Lexis Nexus to share my personal and private information. 

Not only that you where tracking my trips stocking and harassing me which is a crime. 

I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well Your choice. I have dealt with this harassment for long enough. For far to long my character has been defamed comments. 

I am willing to settle outside of FEDERAL court. I expect a settlement offer within 7 days of this notice or further legal action will be initiated. 


You should be ashamed of violating my rights and privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-05-05
Company: Experian Information Solutions 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:
On XX/XX/XXXX I was reviewing my credit report and noticed an account had been charged off that was not familiar to me. I looked through my Experian updates and saw an account was opened with XXXX XXXX XXXX SIMPLE with a balance of {$4800.00} on XX/XX/XXXX. My credit had been compromised in XXXX of XXXX and I contacted Experian and had fraud protection placed on my account as a result of confirmation I was a victim of identity theft. Somehow someone was still able to open an account in my name in XXXX. The account was charged off on XX/XX/XXXX, for failure to pay. I filed a dispute with Experian on XX/XX/XXXX. They advised on XX/XX/XXXX I needed to settle the dispute with XXXX. I reached out to XXXX  via chat on XX/XX/XXXX. They advised because I was disputing the charges they could not help me. They told me before they could assist me, I needed to file a police report and then send a copy to the fraud department. I contacted XXXX and they advised I could file a report online as I'm out of town. I filed a report and received a copy on XX/XX/XXXX. I submitted that report to XXXX. They responded via email saying because the report was redacted ( my personal information is hidden ) they could not assist me. They said I need to provide an FTC report and a copy of my ID. At this point I feel like they're giving me the run around. I am proceeding with the FTC report which has led me here.Any help you can provide in getting this issue resolved would be greatly appreciated.

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 2023-01-26
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CREDIT ACCEPTANCE CORPORATION
State: IA
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:
Credit Acceptance Corp Alleged date opened XX/XX/XXXX Original balance {$5000.00} Settlement payment {$580.00} Paid on XX/XX/XXXX Alleged date of first delinquency XX/XX/XXXX Alleged date of last payment XX/XX/XXXX This account was for an auto loan. The vehicle I had I had asked Credit Acceptance to take back. A repossession was not necessary but they insisted. Upon settling this account I was PROMISED a " courtesy delete '' upon my settlement payment and was told the account would be removed from my credit reports in XXXX days. It was never removed as PROMISED!! Also I do not believe this Creditor is reporting correct information and historical information is missing. The creditor couldn't even verify my address when I contacted them.

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 2023-02-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have owned my domain for 15 years. I have used the same email address for interacting with Best Buy for that duration, and the address is current/active. I own the mail server, and have verified that I am receiving everything I should. I have used this same email address with the credit card company through Best Buy ( Citi ) for about 12 years. I have no issue, again, with the email address, and verified with two reps that I had received my statement on XX/XX/2023. 

My problem is that for the past six months, every time I log in ( regardless of machine, browser, or app ) I receive an error " we're having trouble contacting you, please enter your correct email address ''. No matter how many times that I enter the email address, the next time I come back - even if it's only been seconds - I must type it in twice. 

I have attempted to contact the Citi group card services, and have received incompetent outsourced call center staff that don't seem to have any clue what I'm talking about, and are reading irrelevant things from their script. I've been promised some imaginary " back office '' person would fix the issue- it has not. I have been promised " supervisers '' that could do this - and was probably given a lateral transfer to another inept Tier 1 call center rep from the other side of the world. I've been told nonsense - and lies. and had promises that this would be resolved. 

To be fair, I can make purchases with no problem. I receive email with no problem ( despite the claim during login ). And, if I type in my email address twice ( each time ), I can view my account details, make payments, etc. However, something is broken with the account, if it can not hold an email address which has been in the system for over a decade, longer than one login session.

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 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to XXXX XXXX XXXX store to get a bed for my new place in XXXX. The store rep told me the bed I chose was on sale for {$1100.00} which was a great deal. Upon me signing everything to take advantage of the XXXX same as cash a bunch of extra fees were thrown in before me even getting the bed delivered to my home which now totaled {$1400.00}. The store rep told me dont worry about anything else and that it will show a balance of {$3300.00} but i only pay {$1400.00} which was still more than i originally agreed to. I was charged a delivery fee when the store told me it would be waived. Upon me calling XXXX to ask why my bed shows a balance of {$3300.00} they advised me that i was no longer enrolled in the 90 days same as cash and told me i would have to pay {$300.00} to be re-enrolled with the promotion. I was lied to and taken advantage of. This same bed is {$1200.00} dollars on XXXX and {$1100.00} on XXXX. I would never agree to over paying by an extra almost {$3000.00} dollars for a bed! The company knows they are wrong which is why they are offering to settle with me for {$1600.00}. The balance needs to be DECREASED to {$1100.00} the original amount and late payments associated with this account need to be REMOVED as well. You all increased the balance and that is INCORRECT! This is affecting my livelihood and ability to get approved for things in my life. THIS IS UNETHICAL PRACTICES!

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 2023-03-10
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Corporate entities need to be stripped of power involving credit report systems. I, and millions of others are straight fed up with their scandalous ways. Paying off debt SHOULD NOT make your credit score go down by 67 points, the whole system is 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 2018-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These people called me regarding a XXXX XXXX card that I told them I had no knowledge of. I mailed a validation letter on XX/XX/XXXX it was signed for on XX/XX/XXXX and 30 days later I still dont have a response. This is very frustrating because at the time this account was opened I was in boot camp I also sent them documents proving that but still no response. XXXX XXXX is trying to collect {$430.00} from me and couldnt even validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: LEXISNEXIS
State: CO
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:
XXXX XXXX XXXX is reporting errors and rumors and is causing harm and damages to property. 15 U.S. Code Section 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have reason to believe the following mortgage agents are engaged in RESPA violations with realtor XXXX XXXX XXXX XXXX, Washington. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Washington ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington ( XXXX ) XXXX XXXX XXXX Washington XXXX XXXX XXXX Washington XXXX XXXX ) XXXX * Phone number provided by XXXX XXXX does not match Washington Federal directory records , so can not say with 100 % certainty that this is the correct " XXXX XXXX referenced by XXXX XXXX XXXX 

XXXX XXXX has admitted that our offer made on XX/XX/2022, which matched the asking price of the property ( MLS # XXXX ), was the higher offer. It was also confirmed in a mis-sent email that the other bidder 's offer did not have a lender that was willing to finance the loan. My realtor and mortgage agent called XXXX XXXX to assure her the nature of the dwelling was not an issue for financing. Nevertheless, XXXX XXXX let my offer expire because, per the submitted email chain, we refused to use one of the three agents listed above. Subsequently, she has also refused contact with my lender including members of his executive team. 

Further, we have strong suspicions that XXXX XXXX did not present our offer to the sellers. 

Attached is the email chain from XXXX XXXX to our agent, specifically requesting we use her three agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EMCC Holdings, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My bankruptcy was discharged as of XX/XX/2019. I filed due to my husband passing and not being able to maintain both of our financial obligations on one income. Included in this discharge was a XXXX XXXX credit Card and a Timeshare that were both successfully discharged with debt owed. 

Equiant Financial has been fraudulently reporting the timeshare as an active foreclosure debt and the XXXX XXXX credit card as active as well. 

I am attempting to buy a home now that I am retired on a fixed income and need to lock down a home to spend my days without the worry of fluctuating rental market. 

Several lenders have explained that they are unable to look past the fact that this timeshare and credit card are being reported even though they have the supporting discharge paperwork due to the flagged " foreclosure '' in their underwriting systems. 

Lexington Law claimed they had filed a dispute. I terminated our working relationship when they did not escalate this issue appropriately and now I am attempting to achieve this on my own. I have filed a complaint to XXXX ( the only bureau that is falsely reporting these discharged items. ), and I contacted the collection company that bought this item after it was discharged.

I need help getting this removed because it is heavily affecting my quality of life and my financial mobility. What more can I do to escalate and remove these fraudulent items?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Google Compare Credit Cards Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Google pay will not allow me to remove a credit card from my account without adding another card. I simply want to get my card out of the Google system and not use Google.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERALTRADECOMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. Bankruptcy : XXXX XXXX # : XXXX ; Bankruptcy XXXX XXXXXXXX Reference # : XXXX ; XXXX Reference # : XXXX ; According to FCRA Section 605B ( a ) the credit reporting AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 fair credit reporting act XXXX Account XXXX XXXX ACCOUNT NUMBER # XXXX has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C SECTION 604 A section 2. It also states a credit 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
destiny credit card company is reporting inaccurate information to all three credit bureaus They are over charging high interest rates and extreme late fees. ( for example if you have a initial credit of XXXX and you miss a payment or don't make more than the minimum amount required. They still report late and over charge. so you will end up paying XXXX dollars for a XXXX card limit. This creditor grantor was misleading and promoting false advertising. This company is suppose to help rebuild credit.

Company response to consumer: Closed with explanation