BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: CarMax, 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:
The account was initially reported as charged off, and when it was posted to my file as a charge off, I initially disputed the account and got it removed because I never had a car loan with CarMax Auto Finance and, as a result, it should not be reporting as an open account. In addition, the balance was reporting as XXXX. This account is reporting fraudulently on my credit report, and it is also blatantly reporting inaccurately in an attempt to lower my credit score. I also challenged this account and got it deleted. my credit history. Due to their flagrant violations of section 1681s2-b, the data furnishers at CarMax 1 . After being informed of this account, failing to conduct a thorough inquiry Possible inerrancy 2. Reopening this account just to reinstate its previous removal from my credit report ; 3. Listing the sum as a charged-off account on my credit report, 4. Adjusting this account 's date of closure, 5. The prospect of collecting any late fees related to this closed and charged-off account. This violations the Consumer Financial Protection Act, And the Fair Credit Reporting Act. I have tried everything to reason with this company, and dispute these items normally. If necessary, however, I do plan to escalate this to the federal level. I will be in contact with my lawyer. Unless you immediately remove the information from my credit file, I have filed a complaint with your state attorney general as well as the Consumer Financial Protection Bureau. The next step will be to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: ID Analytics, 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: Account information incorrect

Complaint:
My lease is almost up on my truck which is a XXXX XXXX XXXX. I am in the market to lease another vehicle. In doing so the company that I have my current lease with pulled my credit & I was denied because my score was a XXXX from a company that I have never heard of, & that Im sure has completely wrong information. 1 of the main reasons for my score being so low according to them is because of limited history with my phone number. I have 24 credit cards & every card company has my same phone number that Ive had for the last 10 years. The name of the company is SageStream , LLC & not only are they ruining my life, but they are ruining the lives of many others that have similar complaints about them online as well. They Need to be stopped!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I respectfully request your prompt attention on the following and accurate information on my credit report. 

For your convenience, I have attached all disputing items listed in the enclosed pages of my credit report. 

The following items is is accurate and negatively affecting my credit. Please ring investigate this matter and delete and or correct the disputed items. 

I have contacted Experian, XXXX, XXXX XXXX and XXXX XXXX on XX/XX/2020. 

I explained to all of them that there is inaccurate information being reported on my credit report. Both, XXXX  XXXX  scores, split file and merged tradelines. 

I am writing to disputed the inaccurate information being reported on my credit report regarding " XXXX XXXX XXXX XXXX '' is reporting under " XXXX XXXX as a credit card. 

XXXX XXXX  is not a credit card account they only report to XXXX and XXXX  on weather or not I pay my rent on time. Became XXXX XXXX XXXX XXXX is being reported as spilt account on my credit file it is negatively affecting my credit utilization scores. 

I've reached out to all agencies to have them to correct the issues. However, they have failed to do so. 

I respectfully request that all agencies provide me with proof of disputed items specifically any contracts notes court documents or any instrumental bearing my signature. 

Failing that, this item must be deleted. 

You may send an updated copy of my credit report to the below address. 

I can be reached at XXXX or at XXXX or XXXX XXXX XXXX  XXXX TX 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 2022-05-25
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:
Hi I am submitting this XXXX 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 719XXXXXXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-02-14
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 fraud alerts or security freezes

Complaint:
I'M HAVING ISSUES GETTING THE FRAUD ALERT 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 2023-02-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality u Der 15 USC 1681. XXXXXXXX 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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; 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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX and I am filing this complaint for 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 non-monetary relief
Consumer complaint received 2022-05-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX, 2022, I notified Navy Federal Credit Union of a missing refund from XXXX XXXX. This refund amount was to be for {$860.00} x 2 ( for two tickets ) on account number XXXX. I provided NFCU with a refund receipt from XXXX XXXX as well as an email they sent to me on or about XX/XX/2022. As of XXXX XXXX, 2022, the claim is not resolved and they are informing me that they will require beyond the 10 days necessary for the claim. Yet, they are not providing a provisional credit. It is my understanding under Regulation E this is required in the event of an error that is not able to be resolved within 10 business days. 12 CFR 1005.1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: LEXISNEXIS
State: AL
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:
XXXX  XXXX bankruptcy dispute submitted on XX/XX/2023. I received a letter from Lexis Nexis dated XX/XX/2023 and the letter states the information in my dispute was validated. Per reaching out to the Bankruptcy Courts via letter per letter they do not report to any credit reporting agency. Which means that Lexis Nexis couldnt have validated the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I emailed the ceo of Capital one XX/XX/XXXX regarding late payment removal of on my auto loan from XXXX XXXX also XXXX XX/XX/XXXX. I explained that I had reasonable cause which was the burden of financial hardship during XXXX pandemic and since XXXX I have remained consistent with on time payments on my loan. On XX/XX/XXXX. I received a letter in the mail from COAF credit bureau dispute, advising no changes will be made to my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Aspen Yo LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
This mortgage servicer, Gregory Funding, is benefiting financially from delaying processes while Im doing everything I can to try and save my home. I am being victimized by this mortgage servicer resulting in multiple years of investment of time in trying to fight back, not to mention the emotional trauma Ive suffered worrying about having a place to live. They need to be held accountable for what they have done to me, and I would imagine there are others that have similar stories. I've included a very detailed letter consisting of a timeline of events in which this servicer has failed to respond to me in a timely fashion resulting in ballooning fees and a past-due balance significantly higher than when I attempted to resolve this issue. Further, I'm now working with the State of Maryland HAF where I have an approved application to bring the mortgage current, and the servicer continues to delay in responding to requests so this application can be completed. Please review the attached letter and supporting documentation for a complete picture of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Savings account was opened XX/XX/2022 with BMO Harris Bank NA, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, ( XXXX ) XXXX, account # XXXX. I DID NOT OPEN THIS ACCOUNT. It is fraud.

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted XXXX on multiple occasions that I have never had an account or balance with XXXX. My last attempt to contact XXXX was on XX/XX/XXXX and I received no response back. I sent the letter certified USPS tracking XXXX. It was received by XXXX on XX/XX/XXXX. I have contacted TransUnion on multiple occasion about this matter. TransUnion said they confirm this charge but that is impossible when XXXX has never respond back because there is no account or balance. TransUnion is not doing a proper investigation and at this point, I will be moving forward legally if they do not remove this from my credit report. I wrote TransUnion on XX/XX/XXXX telling them that XXXX is not responding back or validation any account or balance. TransUnion has not responded back in 4 months to my letter. This account is causing adverse affect to my credit worthiness.

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 2022-05-25
Company: Aldridge Pite, LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
UNLAWFUL DEBT COLLECTION performed by Aldridge Pite LLP, NOT Aldridge Pite XXXX, which is their debt collection section/company. As far as I can read under services on XXXX XXXX XXXX website, they do not offer debt collection as far as I can read, but their XXXX company does. I therefor doubt that they even have the license to collect debt in the state of Florida. 
On XX/XX/2019 XXXX Pite send me a debt collection letter. Actually, there was 2 letters in the same package. Both letters are unlawful debt collection letters which was regarding a Prime Equity line of credit, with XXXX XXXX. This line of credit was taken out by my ex-husband, and he was the borrower, not me!!. In the letters they list me as the borrower which is more than false, a direct lie is more accurate. Also their total amount calculation in the letters, are specified different. This specification is not documented. 
I see that this is not the first time that Aldridge Pite practice unlawful debt collection, and we plan on a lawsuit, but also have other matters with this corrupt company, which I'm not ready to disclose at this moment. Both letters are attached..!

I have tried to get information from Aldridge Pite and all correspondence is attached with this complaint. Aldridge Pite DOES NOT acknowledge the fact that I AM NOT THE BORROWER. They also do not provide my requested information, and that includes Aldridge Pite not providing their debt collection license for the state of Florida.

I am sure that you will find this to be a critical case of unlawful debt collection and I am looking forward to your response. Also I am more than willing to work with CFPB supplying more information/documentation if needed. 

I hope that CFPB is a XXXX XXXX, that can assist hard working Americans who is wrongfully treated by Banks, lawyers and other " mastodons ''. I am NOT allowed to ROB A BANK, but it seems that the banks ARE ALLOWED to rob me, or at least try!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: TX
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:
Inaccurate reports still reporting on my Equifax. 
XXXX. ) XXXX XXXX bank Date Opened- XX/XX/XXXX Balance : {$86.00} XXXX. ) XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. ) XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. ) XXXX XXXXXXXX XXXX  Date Opened- XX/XX/XXXX They gave me confirmation # ( XXXX ) And then another ( XXXX ) trying to solve this issue and I have received nothing even with proof..

Company response to consumer: In progress
Consumer complaint received 2022-05-25
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: Reporting company used your report improperly

Complaint:
Transunion is reporting an alleged charge-off debt that is not mine. 
DELETE XXXX XXXX CHARGE OFF Due to inaccuracies account number is not the same as XXXX OR XXXX Date opened is not the same as XXXX. XXXX is not reporting this charge off at all. XXXX have DELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF IMMEDIATELY

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 2022-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, A letter was sent to Portfolio Recovery Associates , LLC that I was providing a formal notice that there claim was being disputed for {$2200.00}, {$700.00}, and {$660.00}. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I was provided letters saying that Portfolio Recovery Associates brought my account. Nothing was provided to me that I ever entered a contractual agreement with this company. 

On XX/XX/2022, A second letter was sent to Portfolio Recovery Associates , LLC that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I additionally asked for them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. Again I was sent a letter that Portfolio had brought my account and some billing statements from the original creditor. I also attached a copy of the legal document from court on the settlement for the {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Account status incorrect

Complaint:
I have repeated asked the credit report agencies- XXXX, XXXX, and Equifax - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still 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