BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
LexisNexis XXXX . information exchange reports that I had in auto accident. The company reporting the information is XXXX XXXX XXXX XXXX. The following is the identifying information on the report. 

XXXX file number : XXXX Claim number : XXXX Policy Type & Company : XXXX XXXX XXXX XXXX Policy number : XXXX Driver : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX Driver License : XXXX Vehicle XXXX XXXX XXXX number XXXX I did not have an auto collision, my vehicle was vandalized on XX/XX/XXXX. An unknown person stuck a wrench through the radiator of the vehicle. My vehicle was parked and unoccupied at the time of this incident. At no time was another vehicle involved. There was not a collision of any kind. There was never any police report filed of an auto collision occurring. I informed XXXX of this when I filed the claim. I just became aware in XXXX that XXXX was reporting the incident as an at fault accident. I am disputing this report and would like XXXX to remove it. This information is affecting me negatively. 

My contact information : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
I paid off in full an account, XXXX XXXX, that was past due. I have received a letter from XXXX that it is paid in full yet they wont submit to credit agencies. And when I disputed it twice now, they claim its still unpaid even though I have a letter that says otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
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: Account status incorrect

Complaint:
Concerning my XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ),  Experian is presently reporting ( 2 ) instances of this account inconsistently and erroneously ( 1 for myself, XXXX XXXX XXXX, wherein the XX/XX/XXXX payment is reported as > 30 days past due and 1 for my wife, XXXX XXXX XXXX, SSN XXXX, wherein the XX/XX/XXXX payment is reported as NOT past due ). Experian is in violation of state and federal law in doing so. I demand that Experian delete the XX/XX/XXXX payment regarding XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Reporting XXXXXXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is inconsistently is adversely impacting my credit score.

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 2018-08-13
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Since XXXX XXXX American Capital Enterprises say 's that i owe them {$1900.00}. 
I dont recall any of these accusations. Since XXXX XXXX XXXX XXXX say 's that i owe them {$580.00}. i dont recall any of these accusations either, this has to be identity theft .Because of these situations i cant open a bank account at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: GREAT LAKES
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is incorrectly reporting to all 3 major credit bureaus incorrect balances and payment history. They can not legally report Higher credit limits over the amount of the amount of the loans that I have taken out. 

These items have been disputed twice in the past year with each bureau and neither time have they failed to comply with rules and regulations to correct their errors. 

The amount of my loans do not total they amounts they are reporting and I have never received any documentation from them reflecting that they have verified the amounts I owe verses the total of my loans. 
If they can not verify the appropriate information and that all the debts they are reporting are correct then they are required by laws to remove those items from my bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Account information incorrect

Complaint:
I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: OK
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:
as I disputed this account with Equifax 2 previse times and again in XX/XX/2018, I aslo disputed it with XXXX XXXX XXXX, in which they sent me a letter on XX/XX/2018 stating that there client has not validate debt with them and will discontinue all collection efforts, yet Equifax still showing its under investigation, please find letter attached. and that Equifax has token more then the 30 days allowed,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2018-04-27
Company: DISCOVER BANK
State: MI
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:
They pulled my credit report without my permission i did not authorize this credit pulled so it put a hard inquiry on my credit report without my permissions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Date Updated : XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Opened investigations and reinvestigations regarding inaccurate late payments. The company added additional late negative marks on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking my credit report from all three credit bureaus ; Trans Union, XXXX and XXXX, I noticed a negative remark on my credit report from XXXX XXXX. I then immediately contacted them by phone and was praying this was some random mistake and they would correct it. I soon find out that I both times, for 2 separate accounts, I have applied for these credit cards but was never notified of even being approved for any of these credit cards. I had them immediately shut down those cards, but was told one was already closed, and to start an investigation. Then I was told I can reapply for another XXXX credit card but we will close this one account and mail you a check for the difference. 2 agents told me the same story. After waiting a week, no check nor any phone calls or emails, nothing! Someone was using 2 different XXXX credit cards in my name and making payments for them, in my name, for over a year on one card and over 2 years on another card. XXXX 's Security and Fraud department promised they would start an investigation and they will not hold me liable for any unauthorized charges pending the investigation. I waited over a week and I received no mail or contacts from no one about these accounts. Since then I have called numerous times and transferred to many different agents. There has n't been no notes in the account for over 45 days now. Nothing has been done about these 2 accounts I originally applied for but never received. Just today I spoke with a XXXX, who would not provide me their employee ID or extension, and said they will escalate this matter immediately and that someone would call me back today. No one has called me back. I 'm wondering now who are the real fraudsters here? The people who have been using my cards I 've applied for or XXXX? Yet every time I call they try and verify that this is really me, why have n't did this when someone been using my 2 credit cards? And all the payments that were being made to these accounts, who get that for free? XXXX? I will be reporting them wherever I can. They record my phone calls but no records of what they have promised me? I will now be the one telling them, this call will be recorded, just to prove a point how crooked XXXX is.

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam I am a victim of Identity theft.

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 2018-11-13
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar also known recently as MR Cooper is servicing my conventional home loan. on the XX/XX/XXXX it was brought to my attention that late payments were being reported even though money was being withdrawn from my account. Later that day, my son and i called to learn more but we were told to put the request in writing with all 3 credit agencies a long with supporting documentation. We then did exactly that. I recently received responses from all 3 credit agencies stating that the information reported was verified as reported, therefore no change was made. Id like to have my credit report updated to reflect the fact that i was not late. i made payments timely and it was not brought to my attention in any which way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I tried contacting a company that appeared on my credit report and I was told they do not have any information or account to be removed. The company is XXXX XXXX XXXX XXXX. I am not aware of this company and I don't own any credit Cards.

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX RAN MY CREDIT ON TRANUNION TWICE IN ERROR!

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 2021-03-25
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX  XXXX with an unpaid utility bill. 

XXXX XXXX sent this account to Sunrise Credit Service on XX/XX/XXXX. 

XXXX  XXXX then sent this debt to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX shows it opened on XX/XX/XXXX. 

XXXX  XXXX sent Sunrise Credit Services a letter on XX/XX/XXXX. XXXX failed to notify the credit reporting agencies that they no longer had the account and this has detrimentally impacted my credit for the past 15 months.

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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this account with 3 credit bureaus and the information is not correct. I asked them to remove this account due to no debt validation and it has not happened. It comes back as verifired when it really according to law was not. According to 2 credit bureaus it is showing as a closed date of XX/XX/XXXX but opened XX/XX/XXXX. How is it possible to be opened in year and closed 2 years in the past. Information is not correct and it was removed from one report and added back without letting me know that it would be. Why would a company state the information is correct if the close date is XX/XX/XXXX but it was opened in the future? that makes no sense. This company has yet to send me ANY type of validation to me at all. I want that postage and date it was sent to my home of when they sent it. I have yet to get anything at all. How can you as a consumer bureau acknowledge the fact that on my report my actual credit report it states the reported CLOSE date was 2 years BEFORE IT WAS OPENED. IF I AS A CONSUMER ASK FOR THIS TO BE INVESTIGATED AND BECUASE IT IS CLEARLY WRONG INFORMATION ON BOTH REPORTS IT IS REPORTED TOO IT SHOULD BE REMOVED. PER LAW I AM GRANTED THAT BUT TO SAY IT IS CORRECT IS WRONG. THERE IS NO WAY THAT AN ITEM ON MY REPORT SHOULD BE CLOSED 2 YEARS BEFORE IT WAS OPENED. IT MAKES NO SENSE AT ALL

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX a charge off account was 'DUMPED '' on my personal credit report. It was a XXXX credit card for a company, XXXX , XXXX, which I was one of 3 owners of. However, I did not operate this company, a person by the name of XXXX XXXX did. He was one of the owners and had 100 % operational duties. It appears as though he secured the credit card in XX/XX/XXXX and paid it on time thru the business checking account until early XX/XX/XXXX. XXXX never once sent me a notice this card was late, or being charged off, even though I was currently doing over $ 500k of business with XXXX. I have disputed this card since it " appeared '' on my credit file with all 3 reporting agencies, demanding that I be shown where I requested, authorized, or signed for this credit card. To date, I have not seen the application. However, even though I have disputed this account numerous times, I am only told that XXXX " determined it was mine ''. When I ask how they did that, I am never told. The only way to verify it as mine would be for XXXX to produce the actual application with my signature on it. They have not, but the agencies still " assume '' it is mine and takes XXXX 's word for it. I have a right to see the application with my signature, and the credit reporting agencies do as well, if they are truly going to verify the account is mine. Otherwise, it must be removed from my credit file.

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 2021-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company continues to call my home at all hours of the day and night. I have repeatedly asked this company to stop calling my house. I have sent them letters in the past also asking them to stop the harassing phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent Equifax a letter to address several inaccurate, unknown and incomplete items on my report. 67 days letter, no response has been sent to me, and they are ignoring me.Section 611 ( a ) states that failure to investigate the disputed item within 30 days gives a reason to immediately remove said items from my report. It has 67 days, therefore I need these items deleted promptly. It is exhausting and stressful. I demand this account to be removed immediately or I will file for litigation due to the constant stress this has caused me. In addition, my information was compromised in the Equifax data breach, and my info may have fell into all the wrong hands.

Company response to consumer: Closed with explanation