BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX   {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}

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 2021-05-03
Company: EQUIFAX, INC.
State: WI
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: AZ
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:
THESE 5 COMPANIES CHECK MY PERSONAL CREDIT WHEN THE  PURCHASE WAS A CORPORATE PURCHASE OF A VEHICLE. I DID NOT AUTHORIZE THESE INQUIRIES. THE VEHICLE PURCHASE WAS A CORPORATE PURCHASE, NOT A PERSONAL PURCHASE. I HAVE THE SALES CONTRACT THAT SHOWS THE BUYER FOR THE VEHICLE IS XXXX XXXX XXXX XXXX XXXX XXXX., AND IT WAS A CASH PURCHASE: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  THESE COMPANIES DO NOT RESPOND OFTEN; WHEN THEY DO THEY TELL ME WITHOUT AN ACCOUNT THEY CANNOT CORRECT THEIR ERROR. EXPERIAN; XXXX AND XXXX  TELL ME THAT THE COMPANIES NEED TO REMOVE THE INQUIRY...THE COMPANIES TELL ME THE CREDIT BUREAUS NEED TO REMOVE THE INQUIRY. I HAVE WORKED ON THIS ISSUE FOR A YEARS WITH NO RESULT. THIS HAS DAMAGED MY ABILITY TO DO ANYTHING FINANCIAL, IN THIS LAST YEAR. I WANT THESE FRAUDULENT INQUIRIES REMOVED FROM ALL THREE CREDIT BUREAUS.

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 2018-01-29
Company: LEXISNEXIS
State: OH
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 belongs to someone else

Complaint:
Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There are several inquiries reflecting on my report that I did not authorize. 
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  In accordance with the Fair Credit Reporting Act XXXX accounts Transunion has violated my rights. 
15 U.S.C 1681Section 602 .A. States I have the right to privacy. 15 U.S.C 1681 Section 604. A Section 2 : It also states that Transunion a consumer reporting agency can not furnish a account without my written instructions and or consent.

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 2018-03-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a call from " XXXX XXXX '' licensed process server of " XXXX  ''. According to a quick internet search, XXXX XXXX   impersonates himself as a " licensed process server '' of XXXX   XXXX, AZ and XXXX XXXX, GA while having offices located in " New York ''. XXXX XXXX refused to send a debt validation letter via US Mail and instead tried to send one via e-mail, which was simply typed up in Microsoft Word. XXXX XXXX claimed that I would be sued immediately if I did not comply and could face arrest and garnishment of wages for a {$190.00} debt that was from three bad checks, which I did not personally write. I explained to XXXX XXXX that I was not the person who wrote the checks and he subsequently told me that Certegy and their clients would not lose the money on this debt, and whether I wrote them or not, since I was the account owner, I would need to pay for the debt or face a lawsuit and that I should seek legal avenues to get reimbursement for the individual who defrauded me - although that individual is a drug addict and is transient.

XXXX XXXX   would not disclose his company address. He called me in XXXX telling me that I would be served the next day if I did not comply and no one ever showed up to my address. Two months later on XX/XX/XXXX I received another call telling me that I would be served again unless I paid the debt and that he could not work with me and would provide no information to me.

Apparently XXXX XXXX of XXXX also goes by the name 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 2023-08-14
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: Problem with personal statement of dispute

Complaint:
On XXXX of XXXX  Myself and family where dealing with XXXX related emergencies and were unable to pay our mortgage on time. Before and after those dates we have not been late. I explained to the Credit Bureaus the situation and pleaded for some grace on those 4 consecutive months. The late payment is really hurting my credit and preventing me from getting a loan my family really needs. Please any help would be great. Thank you

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 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2019-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX charged an application fee but I was not admitted due to an error on an XXXX Enrollment Specialist making an error. I had to wait until the following semester to start school so I disputed this charge until or unless XXXX refunded me for the application fee. They took awhile so I filed a dispute with Capital One. Then a few days later XXXX settled the issue and paid me back in full. Now Capital One is refusing to release the provisional funds back to card until the Merchant responds to some letter. The merchant has responded. They paid me back. I need this case closed and the dispute cancelled. I'm being held up for admittance for the next semester now due to this. This dispute is over. XXXX fulfilled their duties. Cancel the dispute immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2018 I logged in to my XXXX 's account to pay my credit card and it was not accessible. I called XXXX 's credit department to find out what the issue was and was given this number ( XXXX ) to call. I was told when I called that my account has been closed. I had been struggling to make payments due to a job loss which lead to a pay cut. I had communicated this to XXXX 's credit card department via phone calls and was making minimum payments inconsistently. I disputed the closure of my account on the grounds that I was not informed of it in anyway or form, and also on the grounds that my financial situation is better that will enable me to make big payments. The Citi central recovery department whose agent I spoke to at the above number asked me to submit a letter for the reopening of the account which I did fax on XX/XX/2018. I called the next day and spoke to an agent who acknowledged the receipt of the letter and told me they were working on it to make a decision. I just called today to check on the status of the request and was told by agent # XXXX that a decision was made on XX/XX/2018 not to reopen the account. Again they didn't have the courtesy to inform me of the decision they made which is adversely going to affect my credit just as they did with the closure of the account. I feel very disrespected and taken for granted.

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 2023-08-14
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:
I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them 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 explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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:
Im filing this complaint because Experian is damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly. Ive been a victim of identity theft an account was opened in my name by XXXX XXXX XXXX. The account has been removed from a XXXX on XX/XX/XXXX of XXXX and he has been removed from XXXX on XX/XX/XXXX. Admission is deletion especially if the other credit bureaus have remove this account from my credit report. I have provided all of the documentation to them such as a identity theft report, copy of my Id and police report. Experian has failed numerous of times in helping me get this matter remove. Under law 15 USC 1681 in 15 CSC 6992G, I have rights as a consumer where it protect me. Hear me out on XX/XX/XXXX of XXXX I open up a dispute with experience on the behalf of this account again, experience has felt doing their proper investigation and updated me with the account has been verified that it belongs to me in less than seven days. There was no proper documentation that was attached to this dispute as by supervisor XXXX on my call today. Immediately after open into dispute via phone with the representative I mailed that documentation to them the next day. It was confirmed over the weekend that they receive my documentations and they uploaded to the portal they open the case immediately closed it again which states on my credit report on XX/XX/XXXX to the account dispute has been modified by an Experian dispute specialist. Im asking for this matter to be escalated an account to be removed from my character report as if demanding my buying power as well as my character. 
Im very frustrated and seeking help asap. This is the only account negatively impacting my 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 non-monetary relief
Consumer complaint received 2022-12-31
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:
i submitted a dispute to experian to have the XXXX XXXX XXXX account number XXXX removed due to the 7 year statute having passed on the account. Instead of investigating and closing the account due t the statute passing, they updated the account to show a {$90.00} payment and the account is showing past due even though it is listed as a charge off/collection. I have not made any payments towards this account. I can provide bank statements to show proof of this and a sworn affidavit to show same. They also updated the date as to which the account is to be removed. The account should have been removed instead of inaccurately updated. I continue to have issues with Experian not accurately updating my report and it is significantly impacting my ability to borrow money, find a place to live, or even buy a car. Any time I file a dispute, they do not investigate, instead they update my report with inaccurate, as provided in the attached documents.

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 2022-02-23
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I was involved in a car wreck in my XXXX XXXX XXXX that I financed through bridgecrest via XXXX. The vehicle was fully covered with XXXX motor vehicle Insurance & gap coverage through XXXX. XXXX deemed the vehicle a total loss and issued their payment within weeks. As of today XX/XX/XXXX both companies covered the principal cost of the loan but gap took way longer than expected. Being that XXXX covered the vast majority ( over XXXX ) of the principal which was about XXXX, I was under the impression that gap would cover the remaining. Unknowingly to me bridgecrest has still been charging me the note that has now acclimated to over {$1600.00} for 3 months that it took for XXXX to cover the gap. My note was not behind prior to the accident. So this balance is still accumulating on a vehicle thats been totaled and no longer in my possession. When I tried to speak with representatives at bridgecrest they refuse to find a common ground. How am I being held responsible for a note on a vehicle that was deem a loss months ago? This seems like predatory lending. The principal has been paid in full at this point by XXXX XXXX XXXX but bridgecrest is still actively billing me for the note & charging late fees for this vehicle Ive been without for over three months now. I want to resolve this as soon as possible as the fees are still accumulating and my fear is that it will continue to negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Their investigation did not fix an error on your report

Complaint:
XXXX appears on credit report as debit owed. Im not aware of this account and reported as a fraudulent account. I contacted the company who could not verify my SS # stating they don't know it. Contacted Eqifax who clams it was verified. How can Equifax claim I was verified when the company don't know my SS #. They only have a name and address and DOB that was breached When I called Equifax they took me through a process to verify me and said I was off by a balance and refuse to give me information. Equifax then informed me that mt FTC report was invalid because I did'nt have the exact dates of the inquiries. I was advised mt FTC report needed to be updated and it would be removed within 4 days, Nevertheless they still continue to report this false information on my credit report. This information was told to me by Equifax XXXX XXXX id number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: AXOS FINANCIAL, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have pre-existing business relationship with Axos Bank in the form of a personal Loan opened around XXXX XXXX. On XX/XX/XXXX, I opened a rewards checking with them. While waiting for my new debit card to arrive, I deposited some funds into account via online transfer from an external bank account. On XX/XX/XXXX, I received an email notification ( attached ) from Axos stating that my debit card was activated and that same night, I logged into the online banking to find out 3 separate unauthorized ATM withdrawals have occurred in a neighboring town totaling {$600.00}. Immediately, I called their fraud line to notify them of these unauthorized charges and they were able to freeze/disable the debit card ( email attached ). I had to call again the next day to file an authorized transactions dispute with the actual bank. A case number # XXXX was established. I have a USPS letter stating that mail thefts have been occurring within my local area ( attached ). 

While waiting for resolution, on XX/XX/XXXX, I received another email from my XXXX account ( linked it to their online dashboard ) stating that action needed for a pending transfer for {$3500.00}. There were 3 unauthorized payments activated from Axos to XXXX : {$990.00} ( completed ), {$3500.00} ( pending ), and {$40000.00} ( pending ). I froze my XXXX  account, filed a dispute with them and contacted Axos to find out that my entire online banking access was compromised and I can not login. Their agent assisted me by phone to regain control, to find out fraudster had changed my phone #, email, and address. I had them logged another dispute case for online banking compromise. On XX/XX/XXXX, I received an email with letter stating that my dispute on the checking account was denied due to them finding NO error. I immediately called them to reopen the case. 

Currently, the loan issue seems to have clear because my XXXX bank stopped payments on the 2 pending payments and 1 completed was allowed to be posted due to my loan being due for the month. The dispute on the checking account has now been denied a second time with no explanations. Please urgently assist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief