BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: LEXISNEXIS
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:
My insurance company alerted me that my credit score had gone down so they said to look into it, otherwise it could affect the cost of my car and home insurance. Always paying my bills on time including my insurance, a red flag went off, I always a near perfect score. So they got the report from Lexis Nexis and I started with them to find out what was going on. They gave me the report and there was numerous mistakes, including an address that never belonged to me, they even said there was a auto device on my car, recording how I drove. There was no such device on my car so how could anything be recorded. Best part my wife drives that car and it's hardly driven, yet they had a daily record of stoping braking.But the most harmful was a loan and a credit card in default for a long time and it was from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NY. XXXX. We never heard of this Credit Union and wondered how it was on my report. I called them up and asked them what this was all about. They could not find anything under my name, or social security # as an account Also I gave them a partial acct. number XXXX XXXX listed on the report and they said there was nothing, they couldn't find a loan or credit card at all. I called back Lexis Nexis and they were supposed to look into it. They sent me some of the things that were removed but nothing on that. So far they haven't done anything about it. Needless to say it also is on XXXX and all the credit report Companies and none of them are removing it from my credit report. I even wrote the head of the credit Union, which they said to write to, and no answer back. Apparently someone used my name to open this account under to get a loan and a credit card, but why am I having on my report and no one knows why. 
I've argued with everyone to remove it because it is going to hurt everything I try to buy. 
Please help if you can, I don't know what to do anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I finalized a financing plan with Castle Credit Co Holdings, when I purchased a XXXX Vacuum Cleaner. Since then I have attempted to fix issues with the company but have been completely unsuccessful. Not only was an auto-pay never established as promised, due to that they are reporting my account being ( 30 ) days late on one occasion. I had already called them and spoke with a person in charge about this related to my auto-pay and was assured it was taken care of and would not affect my credit report. Now, they have a late payment on my credit files, which has lowered my FICO score by more than 100 points. In addition to having this issue with the company, they also illegally retrieved my husband, XXXX XXXX 's credit file. I never consented for them to pull his credit files, and he has placed a separate fraud action for that matter. He was not even present, and I was the only one doing  business with their company. I have this account solely in my name, and have a signed contract with my name and signature on it. My speculation is they preferred for him to be listed on the account with me, but that is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date opened XX/XX/2016 1st account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX Date opened XX/XX/2016 2nd account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX I called this company to advise them that this is not my debt the lady in the phone was rude and advised me that it is my debt and if not paid will be reported on my credit report. I have since then disputed the accounts twice and asked that information be provided showing this is my debt no information was provided and the debt is still being reported. I can not get approved for a home or car because my credit is showing I owe this debt.

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 2018-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 reported me 3-4 months late On a credit card balance of {$19.00}.

They reported this to all three credit bureaus and it has affected my credit score.

Contacted XXXX on XX/XX/XXXX and they told me that I have a XXXX balance as of XX/XX/2018 when they closed my account. 
I never received a statement from XXXX for months cause I had not made any charges on the card! 
XXXX would not contact the three credit bureaus on behalf to settle this problem!

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 2020-01-26
Company: Experian Information Solutions Inc.
State: NY
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 previously notified, I am a victim of identity theft, the one account that was opened XX/XX/2016 XXXX XXXX XXXX that has {$0.00} balance is nit my account and I would like it removed 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 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/2018 Transunion listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, Transunion will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, Transunion added the collection account to its files information after the XXXX data breach of XX/XX/2017 had compromised my personal information.

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XX/XX/2020 {$32000.00} Reported balance

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 2019-04-22
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 is missing that should be on the report

Complaint:
I have three complaints with Equifax : 1 ) there is a closed account that should be removed 2 ) there is a credit card account that should be added and 3 MOST IMPORTANT There is no way for me to have this resolved online as they tell me I am not me ( do not pass authentication ). And of course, it is because they have outdated or incorrect information!

My biggest issue is that they tell me I must resolve this dispute through the mail or fax and to do so they want me to mail or fax a copy of my Social Security Card and my Driver 's License and to note that it is going to the Credit Dispute Department.

I can not think of any bigger signal to an identity thief than sending these two pieces of information through the mail or on a public fax!!! I can not believe that there is no secure section on their server that can receive this information.

The whole process seems entirely counterintuitive.

The other two agencies have all the correct information so it is Equifax that is holding down my credit rating.

I have spoken to them several times but have gotten no satisfaction or even acknowledgment that this is a faulty and dangerous process for dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I attempted to apply for a student loan from Sallie Mae last month on their website and got a denial. I assumed it was due to requiring a cosigner the information. The information was unclear as to actually why I was declined. I asked for a letter. I then attempted to apply with my wife online and also got denied. I was confused by this because I personally have cosigned for my wife as we are both in school at XXXX XXXX University. The second application should not have been an additional hit to my credit as I just applied and I was under the impression that any hit on my credit lasts for 30 days so I was shocked when the credit bureau alerted me about this. 

I tried to contact them several times about this and reached no conclusion as to why I was unable to acquire the loan. I then called in about the loan and I was told that the loan was denied but they did not know why but I was encouraged to do a new application over the phone. I finally took them up on that when I tried to do a cosigned loan with my father. I was then told that my loan was declined and that I or one of my cosigners had a loan in default. As both my wife and I are in school I was shocked about this. I went to all of my student loan providers Sallie Mae ( I cosign for my wife ) and Federal loans they stated that I had no loans in default and if I had any loans in default I would not have been able to receive the aid I currently have. They reiterated that I was eligible and perhaps I need to use another loan provider for my private loans. I am very leery about applying for another student loan until this matter is cleared up. 

I reviewed my credit report which also had no issues about student loan default, I always pay all of my bills on time including my house and car. Both my wife and I contacted both the national and student loan providers all having no issues with all my loans are in school deferred. Talking to the people over the phone they had a problem even finding my information or how to help me try to rectify this issue. 

This is the first time I have ever needed private student loans due to the loss of my gi bill veterans educational benefits expiring after 15 years. After trying everything I could as I a non-traditional student I have no one left to cosign for me even though I can cosign for my wife. I just do not understand this. The loan company Sallie Mae has now hit my credit XXXX times when I expected once. They have no way to evaluate what or why this is happening to me. I feel that there is something seriously wrong but I have nowhere left to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Asset Management Outsourcing, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX are not licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but it 's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from Nissan Motor Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Continental Finance Company, LLC
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:
My son was admitted into the XXXX twice this year back in XXXX and XXXX which caused me to miss work and fall behind on my credit card. I have called CONTINENTAL Financial co and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.

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 2021-09-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My problem is that for months I have my account in Conibase blocked. The only message received from the company is : " Account under review.

Your account is currently being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. Log in every day or every other day to check your status " I have opened a ticket with Coinbase to resolve the problem but all they do is suggest information checks that lead nowhere. All my information is OK and I told them.

This case is similar to many other users who are in a similar situation. For me, it is specifically posing a serious financial problem as I can not have the money I have invested in Coinbase.

Please I need your help so that Coinbase unblocks my account and can use my money. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act accounts # XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX  XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ACCOUNT # XXXX, Account # XXXX XXXX XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act accounts # XXXX XXXX XXXX XXXX/Original creditor : XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX  XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, ACCOUNT # XXXX, Account # XXXX XXXX XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am sick and tired of being called " Invalid '' when I am telling the truth and they are breaking the law. It is an insult to be called " invalid ''. 
Apparently when you ( me ) have all the documentation that you are telling the truth and you have been wronged ( and you sent it on to these " people '' on more than one occasion ) you are " INVALID ''. 
2nd letter from these " People '' today a complete rerun of the letter sent to me dated XX/XX/XXXX, once again calling me " INVALID '' I am NOT CALLING YOU and you are NOT TO CALL ME. This can be taken care of IN WRITING. 
I have asked them to send me a offer in writing that would resolve this issue and it hasn't seemed to compute with them. 
I have gotten no offer in writing, and I have not gotten any verifying information that THEY promised to send me in their first letter dated XX/XX/XXXX. 
All I get is the same letter over again that says I am " INVALID ''. 
They already judged me, discriminated against me, and developed complete bias against me even before the letter I sent them disputing the amount. They show no interest in making things better and they have already decided that I am a XXXX. Nothing I say ( all the truth ) makes no difference with them. I truly believe that they never read anything I write or look at any of the proof I sent them. They are totally and completely discriminating against me. It does no good to send them any of my proof because they are discriminating against me. 
I want this resolved and these people and their sticky fingers out of my personal information, my credit, and my life. 
Send me an offer IN WRITING ASAP that will resolve this issue permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2018-09-15
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to refinance with a company that is known for illegal actions. Quicken says they have all the info to refinance then, all of a sudden, drops it saying the present company has and shows late payment, after they say it is their fault for not notifying me of increased house payment. Quicken is just as irresponsible and as illegal as they are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX VISA CREDIT CARD FROM XXXX, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY XXXX  CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM XXXX TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/XXXX, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY XXXX. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED XXXX ABOUT XX/XX/XXXX AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND XXXX  OF THE CFPB CONSENT ORDERS AGREED TO BY XXXX, FILE NO XXXX- CFPB- XXXX  AND FILE NO XXXX- CFPB- 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 2021-05-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal limited my account for no reason and will not help me with getting back my money because they hol it for 180 days and i really need my money. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation