BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-20
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:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *XXXX , XX/XX/2020, *XXXX XXXX XXXX , XX/XX/2020, *XXXX XXXX, XX/XX/2020, *XXXX XXXX XXXX, XX/XX/2020, *XXXX XXXX XXXX, XX/XX/2020, *XXXX COUNTY XXXX XX/XX/2020 . These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, 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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2022-11-29
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:
Since XXXX I have been a victim of identity theft due to a massive breach of information from XXXX files. I have been disputing personal information, court record of bankruptcy, XXXX collection account to all three major credit reporting agencies since XXXX. The only one that has not deleted incorrect information bankruptcy and collection account is Experian. I hired XXXX XXXX to file disputes with Experian monthly and they still refuse to delete both items and correct personal information such as listing XXXX different versions and combination of my full name. Experian is not allowing me to post my personal statement on my file the other two have my personal statement on those reports. As a XXXX, I feel discriminated by Experian through their actions of not deleting bankruptcy and XXXX collection account and not allowing me to post my personal statement. There was a filing of bankruptcy but Court did not accept it and dismissed the case. Never did I participate in the program or any creditor paid.

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 2023-06-02
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I appreciare your response on the subject. 

From the response letter, I understand that BONY sent back both the drafts in question to XXXX XXXX XXXX XXXX. Please confirm and also advise me where in XXXXXXXX XXXX XXXXXXXX XXXX these drafts were sent? 
I want to know which branch or which depatment these drafts were sent to in XXXXXXXX XXXX XXXXXXXX XXXX. 
This will facilitate me in moving forward with XXXXXXXX XXXX XXXX XXXX for pending payment of my money. 
I will really appreciate that. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
After 18 disputes with XXXX credit reporting agency, and their failure to remove information from my current credit report, they have acknowledged that the information of inaccurate public record information was supplied by LexisNexis risk management and XXXX XXXX. 

In a direct correspondence with LexisNexis risk management, they responded that no such information bearing my name should be reported, and still it is reported, and based upon a response from XXXX onXX/XX/2018 XXXX  stated that the information was supplied by LexisNexis, which is in contrast and opposite of what was written and reported by the direct contact to LexisNexis. 
In that this information ive been unfairly reported inaccurately on, and the only solution is payment for 17 separate violations or advising Experian to remove such information as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: U.S. BANCORP
State: KS
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 WAS TRYING TO GET OUT OF MY TIMESHARE AND WAS CONTACTED BY SEVERAL COMPANIES TELLING ME THEY HAD A BUYER FOR MY TIMESHARE AND I NEEDED TO PAY THEM A CERTAIN AMOUNT BEFORE BEING ABLE TO HELP ME. I TOLD THEM I WANTED TO READ THERE CONTRACT FIRST BEFORE GIVING THEM ANY MONEY BUT THEY SAID THAT I HAD TO PAY THAT DAY OR THE PRICE WOULD GO UP, HOWEVER THEY ALSO TOLD ME THAT I WAS ABLE TO CANCEL IF I DECIDED TO DO SO. I WILL LIST THE COMPANIES THAT TOOK ME FOR MY MONEY ; XX/XX/XXXX XXXX XXXX XXXX- XXXX PAID WITH MY DEBIT CARD THROUGH US BANK XXXX XX/XX/XXXX XXXX XXXX CHECK THROUGH US BANK XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK XX/XX/XXXX XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX CHECK US BANK THIS IS ALL THE MONEY THAT WAS TAKEN FROM ME AND THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY 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 2023-07-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2018-04-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company XXXX, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at Equifax. I received notice from equifax that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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:
I have reached out Capital One on XX/XX/XXXX or XXXX I believe this year. I had a payment over the phone with someone and they charged be mort that I agreed after I gave them my card information. During the ongoing dispute Capital One said even after I filed a police report against these people it is not a crime because I have had business with these people. It is a crime to use someone credit card information withdrawing a different amount that the person agreed. They are about closing the dispute now since early XXXX saying it was not a crime and rebilling the XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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:
i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: Avant Credit Corporation
State: NJ
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 company involve system pull your credit when they state on there site it doesnt affect your credit to pull or check for a credit card or loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: First Service Residential, Nevada, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company continues to contact me and try to collect money on a contract that was terminated XXXX years ago. I've sent season to sis letters i've sent validation of debt letters and they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CITIBANK, N.A.
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:
Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from CitiGroup. I have no banking relationship with this company and theyve pulled my credit on 4 separate occasions without my permission on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.

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 2018-07-26
Company: Fidelity National Information Services, Inc. (FNIS)
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 opened a Bank account with XXXX  XXXX XXXX about 2 years ago, shortly after opening this account I was the victim of theft of my XXXX, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when XXXX  XXXX XXXX called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from Chexsystems on my consumer report. I followed all of the directions given to me by both XXXX XXXX XXXX and Chexsystems. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both XXXX XXXX XXXX by mail and to Chexsystems by Dispute. I have made at least 4 disputes to chexsystems and I sent a XXXX dollar bill in the mail I sent to XXXX XXXX XXXXXXXX with the police report they specifically requested for the removal of my name from Chexsystems. I called the risk department 2 months after mailing in to XXXX and they claimed they never received my report and money. Chexsystems has also failed to send the information to XXXX as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.

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 2023-11-01
Company: EQUIFAX, INC.
State: FL
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 writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have several hard inquiries and accounts fraudulently opened in my name after XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
I have a capital one that appears on my credit report in a negative way because they locked my account because I changed my phone number and could no longer login for my payments and didn't take my state ID as verification to unlock my account no payments were late prior to the change of my phone number, I also have a XXXX XXXX on my account that's from 2018 that's not mine. I can't get a loan because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
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: Account information incorrect

Complaint:
On XXXX, XXXX I sent to Equifax certified letters asking them nicely to remove from my credit report the inquiries that I had not authorized. They are refusing to remove them from my credit report. I am asking once again that they remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Ridge & Valley Realty, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No verification has been received on this account through this company, this is inaccurate and false and NO verification XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: AES/PHEAA
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: Account information incorrect

Complaint:
XX/XX/2015 I submitted my application for a repayment program I was previous apart of with Fed Loans Servicing. This was a yearly renewal which I completed over the phone with a representative then, logged into my online portal to electronically sign my application. The representative told me it may take a while for the renewal process to start so I requested to file a forbearance  for the following three months XX/XX/XXXX through XX/XX/XXXX. The representative told me the forbearance was filed and I would receive a response in 10 days. I never heard back via mail or email regarding my forbearance or the status of my renewal application for my repayment program. Several weeks later I checked my credit report and discovered Fed Loans Servicing had reported all 10 of my accounts as late for 120 days. I was devastated when I saw this because my credit score dropped below 450  and I felt like my life was ruined because I was trying to buy a house at the time. Fed Loans Servicing never called or sent me a letter regarding this matter. The company never told me I had a payment due, what the amount was, and I never received information regarding my forbearance or application status. Prior to this negative reporting on my credit and prior to my application renew my monthly payment was XXXX   dollars per month. I was in belief that I was in a forbearance period and that my monthly payment would remain XXXX dollars per month. I never expected Fed Loans Servicing to report on my credit a monthly payment amount of over 500 dollars. Unfortunately, due to miscommunication from the company my credit file was ruined and I was denied housing from an apartment complex after also being denied a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by this company in 2016 in regards to money that I allegedly owed my previous apartment complex. I left this apartment of my own free will, when my lease was up. Prior to this, I had not been notified of this supposed debt by the apartment complex, although they had my contact information as well. When talking on the phone with this company, I asked for a receipt of this supposed charges, and they told me they could not provide one. They also told me I would need to contact the apartment complex to get a receipt. I did that in 2016, and to this day I have not been sent a receipt from either company detailing these alleged charges. I was also never told that I could dispute these charges within 30 days, and the debt collector would have to validate the charges themselves. In addition, since I was originally notified of this alleged debt in 2016, the amount owed as continually gone up. They are now claiming I owe almost {$300.00} more than the original amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

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 2023-06-02
Company: Convergent Resources, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Since XX/XX/2023 Convergent outsourcing calls everyday and most days they call twice. I told them I was going thru a personal issue and financially I have no income and about to lose my home and they called again 12 hours later. I asked to call me in a month and she didn't listen and called me again.

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