BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: LEXISNEXIS
State: TN
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:
On XX/XX/XXXX LexisNexis sent me a letter stating that they could not verify my Identity or documentation could not be verified. I have submitted paperwork to Lexus Nexus several times and provided my social security card, driver 's license, and supporting documentation. LexisNexis State the information documentation was not legible. I will resubmit documents driver 's license, social Security card, Court judgment order vacating fraudulent bankruptcy, FTC identity theft report, police report. I will resubmit documents through this cfbp complaint portal making sure that documents will be received and process efficiently to LexisNexis. The following items should be removed fraudulent bankruptcies listed in the vacate order, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XXXX of 2022 this company has not reporting anything to the credit bureaus. It currently shows a balance significantly higher than what it actually is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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 7th 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. 
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 {$3600.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00}

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 2022-11-03
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: Credit inquiries on your report that you don't recognize

Complaint:
The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all 3 Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. Equifax sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

EQUIFAX REPORT XXXX XXXX XXXX -inquiry date XX/XX/XXXX, and XXXX XXXX XXXX-inquiry date XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX-inquiry date XXXX XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXX XXXX -inquiry date XXXX XXXX XXXX XXXXXXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX  -inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX -inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX XXXX  -inquiry date XX/XX/XXXX XXXX XXXX XXXX  -inquiry date XX/XX/XXXX XX/XX/XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXXXXXX XXXX  -inquiry date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Inaccurate and false information on my credit report. The following phone numbers are invalid and need to be removed : ( 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 2023-10-02
Company: EdFinancial Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am trying to receive updates on the status of my XXXX application. My XXXX  loan servicer is Edfinancial. I completed and submitted my XXXX application on XX/XX/2023. I emailed the customer service department at Edfinancial on XX/XX/2023 since I had not received any updates at that point. On XX/XX/2023, Edfinancial emailed me back stating that it takes 30 to 45 business days in order to be processed. It has been nearly 45 business days as I write this complaint, XX/XX/2023. I emailed Edfinancial 's customer service department again this morning ( XX/XX/2023 ) stating the issue that I am having. As I was writing my email to Edfinancial, I was also on hold with Edfinancial regarding the same issue. My estimated wait time was 89 minutes. I waited on hold for roughly 100 minutes before I decided that I could not wait any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
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:
In accordance with the Fair Credit Reporting Act, TRANSUNION has violated my rights by publishing Account XXXX # XXXX twice 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 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 2016-11-27
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have had XXXX debt collectors from XXXX reporting on my credit report. XXXX of the debt collectors were removed but was claiming XXXX different amounts : XXXX XX/XX/XXXX XXXX XXXX {$660.00} XXXX XX/XX/XXXX XXXX XXXX {$81.00} Now as you can see there is a major difference on these amounts. Which very wrong. 
The other XXXX are still on my report still with XXXX different amounts : XXXX {$660.00} XXXX {$100.00} XXXX XXXX just came on my credit report as of XX/XX/XXXX with XXXX still reporting it as well. Between all XXXX debt collectors no one has given me the original amount. Nor do I own this debt in general due to me having a XXXX prepaid phone as of this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 explanation
Consumer complaint received 2023-07-27
Company: SANTANDER HOLDINGS USA, 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 have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular XXXX XXXX is using the XXXX platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to XXXX XXXX I have closed accounts that thy are still trying to collect on and have recorded me at $ XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but XXXX XXXX is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with XXXX. I have made every attempt to fix this situation. I have spoken to several XXXX employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for XXXX  years. the amount of damage is ongoing and difficult to quantify. 
XXXX has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL Alleged Account number XXXX I have received small claims court papers inside my mailbox ( where the process server placed them ) demanding payment for an account/credit card i do not own nor opened. I have never owned a Capital One account and this alleged debt does not belong to me, this account was opened fraudulently, without my knowledge or consent and this is now the second notification that I formally dispute this claim/debt and seek verification. Pursuant to local state laws as well as the FDCP and FCRA. 

As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
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:
Subject : Dispute of Inaccurate Utilization Amount on XXXX Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my XXXX account XXXX The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. 

Account Details : Bank Name : XXXX Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by XXXX is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. 

This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. 

I have contacted XXXX directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to XXXX, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that XXXX corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. 

I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding XXXX accountable for their inaccurate reporting practices. 

Sincerely, 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 2023-12-04
Company: Experian Information Solutions Inc.
State: MI
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:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Please block and remove this information from my credit report, Pursuant to section 605B or the fair credit reporting act and send the required information to all furnishers of this information five unauthorized fraudulent accounts include : 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 XXXX XXXX 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 explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX of 2021 after I turned XXXX, I discovered that someone has been using my identity to create accounts and I have collections and inquiries on my reports. I have reached out to all XXXX companies and provided all of the documentation that they requested and it has been over 30 days and they have not removed any of the information. There was however a security lock placed on my account asking to call a number first before extending credit and the number is not mine so whoever stole my identity is still using it. I need these credit companies to clear my record and stop reporting false information. 

They have done nothing but help the actual fraudster yet I've submitted my social security car, my birth certificate, my police reports, pieces of mail, and my ID. I do not know what to do and they are of no help to me and I do not want to start my life in the hole because companies decide to report on me w/o verifying anything. There's a direct tv account and XXXX car collections and XXXX inquiries, I wasnt old enough to do any of this. 

I need this remedied immediately. What can I do? Can I sue the credit companies?

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a significant error on my credit report, which pertains to late payments. I believe that this error is in violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my creditworthiness. 
Below, I outline the details of the issue : Description of the Error : On XX/XX/2023, I obtained a copy of my credit report from My annual Credit Report and discovered an error in the reporting of late payments on my credit history. Specifically, the report indicates that I made late payments on XXXX XXXX for the months of XX/XX/2023 when, in fact, I have a documented record of making all payments on time during this period. All this payments were initiated before the due dates in XXXX  but posted late due to USPS delays. 
Evidence of Timely Payments : I have attached copies of bank statements, receipts, and other relevant documentation that clearly demonstrate my consistent and timely payments for the mentioned months. 
Contact with the Creditor : I have also contacted XXXX XXXX ] regarding this issue and provided them with the necessary evidence to rectify the error. However, despite multiple attempts, they have failed to correct the inaccurate information on my credit report.

Impact on My Credit Score : This erroneous late payment information has significantly impacted my credit score. As a result, I have faced difficulties in obtaining credit, securing favorable interest rates, and even encountered challenges in housing and employment applications.

I believe that this error is in violation of the FCRA, which requires credit reporting agencies and creditors to provide accurate and up-to-date information on consumers ' credit reports. It is my understanding that the FCRA also mandates that consumers have the right to dispute and correct inaccuracies on their credit reports.

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action to rectify the error on my credit report, as well as hold the responsible parties accountable for any violations of the FCRA. I also request that my corrected credit report be provided to me, as well as any other affected parties.

Please find attached copies of the relevant documentation to support my complaint. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 
Thank you for your time and consideration.

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