BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-07
Company: Experian Information Solutions Inc.
State: PA
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 XXXXXXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXXXXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature. 

XXXX XXXX XXXXXXXX XXXX  keeps sending documents not requested and a lot of documents not requested in chines writing. 

XXXX XXXX XXXXXXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.

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 2019-08-26
Company: LEXISNEXIS
State: VA
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:
Lexis Nexis is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my XXXX and XXXX Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX  ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX   {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: VA
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 is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my XXXX and Experian Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX  ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX   ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.

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 2018-04-07
Company: JNR Adjustment Company, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Issue # 1 : My telephone line was damaged by a contractor. XXXX XXXX XXXX sent a bill for the repair and I paid it. My account shows a credit balance for the amount they want. I continue to pay the current charges every month yet XXXX XXXX XXXX doesn't correct their error. The money has been in their possession from the start. 

Issue # 2 : JNR, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX continues to call and try to collect when they were notified in writing to stop. They are engaging in unfair collection.

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 2019-08-26
Company: EQUIFAX, 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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX US DEPT ED ( Several Accounts ) XXXX XXXX ( Severe.I Accounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX There are also several inquiries that should not be there either XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: CT
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 started and investigation request on XX/XX/2020 with follow up request and this company have not send me updates or share the process of there investigation, inaccurate information is been reported to my credit report and this company have not remove them. please investigate. 

please see attached all the letters sent and my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019, I ran a credit card transaction for a client through PayPal for payment for my services from a client. PayPal has now imposed a requirement that I provide evidence of my license and or certificate. As a XXXX, I do not need either according to the California Business and Professions Code. I have a degree in XXXX XXXX but they say that it is not sufficient. As a result, they refuse to give me the money that my client paid me through the transaction. They have imposed a 120 restriction and insist on withholding access to the funds until I provide the information they require that isn't required by the law and doesn't exits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: ERC
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: Account information incorrect

Complaint:
Enhanced Recovery Company LLC continues to violate the Fair Debt Reporting Act and the Fair Debt Collection Act. Enhanced Recovery Company LLC willfully and willing re-aged this alleged debt knowing violating the consumer laws for the FDRA and the FDCA.

Re-aging a alleged debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed my credit card account without my permission and without good cause. Capital One also mishandled several of my billing disputes on the credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Both TransUnion AND XXXX but even more so TransUnion since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a XXXX XXXX school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, N.J. I " believe '' by the former owner XXXX XXXX or XXXX or one of  his appointments handlers at the school at that time ( circa XX/XX/1999 ). 

Both TransUnion AND XXXX have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a XXXX school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both TransUbion & XXXX! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!

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 2022-08-25
Company: Movement Mortgage LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Movement Mortgage is withholding my escrow closeout payment. They have 30 days to send this refund. I am now at 90 days of waiting. They state they sent 2 checks that were never received at a verified address. I then made arrangements for a direct deposit that was also never received. I then made the same arrangement again and have not gotten my refund. We did not use them for our current home purchase. I now believe they are intentionally withholding this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
EMPLOYER : XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2020-08-25
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Comenity Bank, the issuer of my XXXX Credit Card, lowered my credit card for unjustifiable reasons, which of course had a negative effect on my credit score. I asked them to restore my limit or close the account. They refused to restore my limit, so I paid my balance in full on XX/XX/2020 and on XX/XX/2020 called and closed my account. I was assured my account had been closed. I had a XXXX   balance. This morning I received an email that I have a new statement. I logged in. My account is still open and they have charged me fees. I have since checked online and this is a recurring theme for this company that many people incur and fight for months to get their accounts closed while being charged fees they do not owe and the company reports negatively on their credit reports. I will NOT tolerate this! This company is a scam and a fraud and someone needs to correct this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
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:
I disputed a fraudulent XXXX  account listed on my credit file. I was a victim of identity theft and the individual who broke into my property and stole my personal information credits etc was arrested and sent to prison. Equifax refuses to remove this account under the guise that XXXX validated it. When I asked what information was provided that supersedes an identity theft report and arrest data of the individual responsible they refuse to answer. They refuse to advise their policy for identity theft victims. When I asked what else could I provide that is more credible than arrest paperwork of the man who stole my identity they said nothing. Equifax refuses to acknowledge my rights and refuses to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax already deleted the account in dispute. Now it's reinsert and they even changed the delinquency date to current so that they can have there for longer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CBC Companies, 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:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Lou Harris Company
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter in the mail from Lou Harris & Co in the mail dated XX/XX/XXXX with an amount of XXXX.. Lou Harris & Co did not send any signed contract or agreement stating that this was my account. Lou Harris & Co called me on XX/XX/XXXX threatening to damage my credit report, they did not allow me 30 days to validate this debt, and has called me everyday threatening me, I continue to advise the agent that I was not aware of any debt. Furthermore, Lou Harris & Co is practicing UNJUST ENRICHMENT and is violating the Fair Debt Collection Practices Act ( FDCPA ). I will be reporting this agency to the Attorney General & to the XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Between XX/XX/19 and XX/XX/19 my Transunion credit score dropped 40 points. I accessed my credit report at Transunion.com and found no negative information. During the online identity confirmation process, I was asked " How old is XXXX XXXX? '' I was asked " What city is associated with XXXX XXXX? '' I do not know these people. I filed a formal dispute in writing via snailmail to dispute the drop in my credit score, and the association of these strange people with my credit file. Transunion responded by sending me another copy of my credit report. My concerns were not addressed.

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 2020-08-25
Company: EQUIFAX, INC.
State: ND
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 disputed the information with XXXX  and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with XXXX  but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a call from XXXX XXXX at Asset Recovery Associates ( XXXX ) who informed me I had an outstanding debt with XXXX XXXX credit card company that had been turned over to them for collection. The original amount they claimed I owed was {$3200.00}, but were offering me a settlement of {$2200.00} if I paid them today over the phone using a credit card. Mr. XXXX alleged this account had been opened XX/XX/XXXX, and was in default from XX/XX/XXXX-XX/XX/XXXX. I had neither records or knowledge of this account, nor does it appear on any of my credit reports. I was concerned because he had my unlisted phone number, social security number, my home address and knew some of my credit information. They also misspelled my first name. I discovered ARA made a soft inquiry today into my XXXX credit report when I was checking my report for any such account. His tone was aggressive and felt threatening. When I told him I had no memory or evidence of such account, he accused me of lying and trying to avoid my responsibility. When I asked for documentation, after a long delay, he sent me a letter regarding our conversation, alleged account number and an " Affidavit and Assignment '' letter issued XX/XX/XXXX. I told him I needed to check my credit report and personal records and get back with him with the information. I was unable to find any record of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: FL
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 have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. 

<br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XX/XX/2018<br><br> These inquires need to be deleted from my credit reports as soon as possible

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 disputed the information with XXXX  and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with XXXX  but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.

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 2018-04-08
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX XXXX XXXX or XXXX XXXX is commiting crimes and causing people not to have bank accounts to live their lifes. they have misleeding info on people credit files and banks turn away good people. i XXXX XXXX XXXX am one of the people they are trying to hurt with their lies. i did not give any athuasashon to have my name in their system and if i did i was not aware of it i revoke my name and my social in their system and they must remove me from the sytem or i will seek legal console. an in turn another compney that is going to halfto purge my account its chexsystems they must purge my account or legal action may take place

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