BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On or about XX/XX/XXXX, I reviewed my XXXX  credit file and noticed an inquiry dated XX/XX/XXXX performed by a company named XXXX. My employer uses this search company and I suspected that an employee had performed an unauthorized credit personal information search. I researched XXXX and found out it is part of the LexisNexis company and proceeded to contact them by phone. I spoke with a representative who advised me the would look into the situation and I proceeded to file an inquiry with them ( LexisNexis Consumer Number XXXX ). On XX/XX/XXXX, I received a response from LexisNexis advising me that they had completed their investigation and had been unable to locate any inquiry on XX/XX/XXXX ( Attached ). I did not immediately realize LexisNexis was citing the wrong date. Several weeks later I contacted LexisNexis to advise them of the incorrect date. The customer service representative looked up my Consumer Number and advised they would investigate the correct date. After several months, I once again contacted LexisNexis for a response. I was given the runaround but that I would receive a written response. Another several weeks went by and again I called LexisNexis and given more excuses. This time, however, they did provide a written response, dated XX/XX/XXXX, stating that in response to my inquiry they had contacted XXXX, XXXX  and XXXX  for a response and not received one from any of those companies. Neither of those companies had anything thing to do with my inquiry ( with the exception XXXX  who was merely reporting the inquiry ). Those companies did not initiate the inquiries, their own subsidiary XXXX was used by their own client for the unauthorized inquiry. 

I have also contacted my employer regarding the unauthorized inquiry but they have stated they have no record of an entry regarding a report on me on that date in their logbook. Of course the individual who did the unauthorized inquiry would likely not have entered it into the logbook, which does not speak very highly of their internal controls. 

I need LexisNexis to confirm who requested the unauthorized inquiry of my information through their subsidiary XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, 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:
I am a victim of identity theft. The bankruptcy Bankruptcy : Discharged CH-XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity. XXXX XXXX XXXX XXXX apartments allowed this person to lease an apartment in my name from XXXX. I only found out about the XXXX debt when a collection agency contacted me. Ive since disputed the debt and provided the collection agency with all my credentials. I drove to the apartment complex and notified the manager of my issue and submitted my credentials as well. The manager stated she couldnt find any identification on record of the person who leased the apartment in my name. I am aware that people have to submit identification to lease an apartment, and the records should be kept on file. Because there is no documentation on file to compare to my identification, the collection agency assumed the debt is legitimate and wont take it off my credit report. Im gon na have to take legal action

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 2018-10-18
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX a past due bill in the amount of approximately {$150.00}. I paid this bill a number of years ago. In XX/XX/XXXX or XX/XX/2016 I applied to have XXXX XXXX service to my home. I was informed by XXXX that in order to get the service I had to pay the outstanding bill of approximately {$150.00}. Despite having paid it before, I paid it again because my fiance really wanted the service ( happy wife, happy life ). Apparently XXXX has turned this PAID debt over to at least ( 2 ) different collection agencies that refuse to remove it from my credit report. Additionally, I've call XXXX numerous times only to be put on hold for ( 30 ) minutes each time. Once I get through, I'm transferred to the collections department where the call ALWAYS gets dropped. I've enclosed my current bill with XXXX and information on ( 2 ) collection agencies.Thanks for your attention to this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: GA
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:
Under the Fair Credit Reporting Act,15 U.S.C . 1681 ( g ) I have the rights to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the account ( XXXX XXXX XXXX XXXX XXXX ) that you are reporting in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter to all three bureaus Transunion, XX/XX/XXXX and XX/XX/XXXX XX/XX/20 regarding incorrect personal information my name, address and place of employment was wrong I provided them a copy of the drivers license, social security card, and a utility bill for my current address. Nothing changed on my report. I followed up with a second letter XX/XX/20 providing the same information along with a notarized statement I received an updated copy of my bureau 's all of which still reflect incorrect names, addresses, as well as old employers that I have not worked for in over 8 years.

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 2020-10-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After being denied for a credit card, I accessed a copy of my credit report, and found accounts reporting on my credit report in my name that I did not open or authorize ( XXXX  XXXX {$460.00}, IN FRAUDULENT CHARGES, XXXX XXXX XXXX  {$1900.00} IN FRAUDULENT CHARGES ). After contacting local authorities I was told that Due to the covid-19 I was not able to physically go to my local police station to file a report, but was told to file a police report online, and I would receive a police report number., And was also told to make an identity theft report with the FTC and send the documents to the 3 major credit bureaus and to each creditor. Equifax has not investigated nor responded to any of these fraudulent claims. I have included a copy of my FTC report, to support my claims of identity theft, I XXXX XXXX XXXX the XXXX, also have included a photo copy of my Michigan state identification, and social security card so Equifax can successfully identify me and not close this claim because of identity reasons. This complain was sent and is authorized by me XXXX XXXX XXXX the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: KY
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 FOLLOWING INQUIRIES ARE INQUIRIES THAT I DID NOT AUTHORIZE. THESE INQUIRIES HAVE IMPACTED MY CREDIT SCORE AND IN THE PAST YEAR I HAVE WORKED VERY HARD TO GET MY SCORE WHERE IT IS AT. 

UNAUTHORIZED CREDIT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX ( I ALREADY HAVE A XXXX XXXX CARD ) - XXXX XX/XX/XXXX XXXX I APPLIED AND WAS APPROVED FOR XXXX ON XX/XX/XXXX BUT THERE ARE 2 INQUIRIES ONE FOR XX/XX/XXXX WHICH WAS AUTHORIZED AND ONE ON XX/XX/XXXX WHICH WAS NOT AUTHORIZED ) - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/18 - Received dispute result stating that the information I disputed was found to be accurate, however, information unrelated to your dispute has been updated. I disputed a collection NO KNOWLEDGE, NO CONTRACT, NO SIGNED AGREEMENT. I have NO knowledge of the collection with XXXX XXXX XXXX, XXXX. I have NO contract for the collection with XXXX XXXX XXXX, XXXX. I have NO signed agreement for the collection with XXXX XXXX XXXX, XXXX. Experian did not obtain proper/required information showing that I have a signed agreement, contract or knowledge of debt with 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 2020-06-03
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: Personal information incorrect

Complaint:
^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the Covid-19 dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL 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 2021-03-29
Company: EQUIFAX, INC.
State: MI
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 have reached out to the original creditors and credit reporting agencies to resolve this issue with negative accounts. This is hindering me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
The original Creditor has reported to the credit bureau by 2 different names : XXXX XXXX XXXX and XXXX XXXX. the date I voluntarily surrendered the vehicle due to not even having it less than 6 months and had an electrical issue first and then an air conditioning issue. The debt originated XXXX and should have long been removed in XXXX. I have disputed this numerous times with XXXX only for them to continue to deny my request to have it removed and they update my credit report which remains in my dispute. I have disputed this same company with Equifax and XXXX as well. 

PER Nevada Statute : In Nevada, debts based on verbal contracts, agreements made orally for the purchase of goods or services, have a statute of limitations of 4 years while written contracts have a 6 year limitation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I did {$400.00} title loan in XX/XX/2014 with XXXX  XXXX XXXX XXXX , XXXX in XXXX Ohio, I have tried for the last 6 months to contact the company about the title since I never received my title back but I get nothing but a voicemail when I try to call the only number I can find for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: TN
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:
Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US Bank is making unfair charges ( fees ) to my account. 
I am being charged an overdraft fee for a pending transaction. There was a deposit made to my account to bring it positive before the pending transaction was complete and posted to my account. The date of the transaction shown on my statement is the date it was initiated, however it usually takes two to four days for that pending transaction to be completed. The money does not leave my account or the bank until it is completed and posted. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX are dates when this has occurred. I have been charged {$36.00} for each date totalling {$100.00} for overdrafts that never happened. 
I should not be charged an overdraft fee for a pending transaction until the money is gone from my bank account, resulting in a negative balance ( not a pending negative balance ). 
I believe that they are processing debits to my account prior to the deposits causing the " available balance '' to be negative. Their computer system then automatically generates an overdraft fee charge to the account even though the actual balance remains positive. 
People used to write checks before they had money in the account, relying on the delay it takes for that check to be processed. US Bank is applying overdraft fees for the time that the transaction is still being processed but has not been completed.

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 2023-08-23
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
During the pandemic, my federal loans were transferred to XXXX. I made an account at that time and awaited the outcome of forgiveness. XXXX messaged me at the end of XX/XX/XXXX that they were moving my account to a new system, and I would have to yet make another account. I tried to do so in early XXXX ( as was suggested by the email ), and have not been able to make a new account. I tried again this morning ( XX/XX/XXXX ) but it seems my account is still in this transfer process. Thus, I can not see my balance or make a payment. 

I have tried to call and chat without success ( no agent available on both phone and chat ). I want to make a payment before interest resumes next week. They will be essentially forcing me to pay interest on a higher loan balance by preventing me from making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am slightly behind but making progress on my past due loan. They call multiple times a day, everyday, even on Sundays. I tell them everyday to stop harassing me and that I will catch up, soon. The calls continue. It is a robo-dialer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: SC
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:
THESE ACCOUNTS ARE FRAUDULENT AND DON'T BELONG 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 2020-12-09
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was told by Citibank that my account will be closed soon on XXXX XXXX after that, I called the Citibank for over a month, endless phone calls but they never tell me why and when will I get my money back. I even hired a lawyer to call with me together, but that person just hang up. Citibank should have the record for all my phone calls, they can see how many times that I have called and all those conversations. and I'm also getting mixed information from Citibank, some of them tell me I need go to the actually branch and call again, some of them tell me just wait. anyway didn't give me any actual information at all, in the past over a month. and I still don't know when will I get my fund back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Shellpoint Partners, LLC
State: NV
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:
We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. New Rez reported us 30 days late even though the wire transfer had been confirmed as received before XX/XX/XXXX. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did New Rez. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting New Rez as currently late with a XXXX balance. 
2 ) I called XXXX and XXXX in XXXX and they customer representatives told me there was no lates on my file in relation to New Rez, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that New Rez had received the payoff on the XXXX, before the 30 day late marker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation