BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: LEXISNEXIS
State: TN
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:
I have sent by regular mail correspondence to XXXX  and they have returned the mail two times. In addition, they keep reporting LexisNexis is verifying a bankruptcy that does not exist. I have from all LexisNexis information and there is no way that any of the 3 major bureaus or LexisNexis could verify..

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from LexisNexis that is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im filing this complaint because back in XXXX I sent trans Union a letter lettering them k now I checked my credit and noticed accounts on my credit that did not belong to me. They have not fixed nor have the replied to my attempts to correct my reports. The accounts that are included are : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Please have them delete this information form my 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 2020-12-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Huntington National Bank and its Recovery Department in XXXX, Ohio have maliciously sabotaged efforts to repay the new agreement amount of {$1.00}, XXXX since XXXX XXXX, 2020. My monthly payments to XXXX XXXX XXXX XXXX XXXX are missing and inaccurately being reported to credit bureaus since XX/XX/2020 to Present. Regarding a dispute, since there is not a fixed amount due each month or a specific due date ... there recovery department reported my XX/XX/2020 payment as " LATE '' to one of the credit reporting bureaus maliciously damaging my credit report! 
Huntington National Bank heinously reported to XXXX  Credit Bureau in XX/XX/2020 that I owe and have a balance of {$40.00}, XXXX damaging my credit report ( s ) intentionally. I have tried since XXXX, XXXX, XXXX and XXXX to remove these inaccuracies but Huntington National Bank - XXXX XXXX Customer  Research has continued to give over this false information. The Fraud Department of my 3 credit reporting bureaus are wanting a Police Report in these ongoing investigations to have these lies removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Premium Credit Bureau
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:
Greetings, I have reached out to all the XXXX concerning inquiries reflecting on my credit report I did not approve. In this process, XXXX  provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. XXXX provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in 2019 and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have sent by regular mail correspondence to XXXX  and they have returned the mail two times. In addition, they keep reporting XXXX is verifying a bankruptcy that does not exist. I have from all XXXX information and there is no way that any of the 3 major bureaus or XXXX could verify.. 

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from XXXX that is frozen.

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 2020-12-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is inaccurately reporting and account on my credit file that doesnt belong to me and is not mine. Account shows as XXXX in the amount of {$310.00} dollars. The address on the account is XXXX XXXX XXXX XXXX XXXX, Massachusetts. I XXXX XXXX XXXX XXXX never live at that address nor have I ever given anyone permission to you my name on this account.

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 2020-12-04
Company: Allied Collection Services, Inc. (Nevada)
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Allied Collections Services has repeatedly ignored my requests to send out a pending balance letter. I can not confirm the amount owed with the vendor either as my bank ledger shows how much I have paid to the original vendor and to the collection 's agency and neither could verify the amount paid to them. Vendor is : Allied Collection Services ( on behalf of XXXX XXXX ) XXXX Phone number ( XXXX ) XXXX Get Directions XXXX XXXX XXXX XXXX , XXXX XXXX, NV 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 2021-02-22
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance with AmeriSave Mortgage on XX/XX/20. 

3 1/2 months later we still have not closed on our new loan. They provide virtually no answers other than " we have escalated your file '' and now have stopped responding to emails and phones call in the last week. This was after already asking for a manager to contact me. 

I have provided documents as soon as they were asked for and there hasn't been any reasons given for the delay. I feel like I have been scammed out of a {$500.00} application fee plus a new flood insurance policy that I purchased for the refi.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: MARINER FINANCE, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/18 I contacted Mariner Finance in writing due to the incorrect item that is being reported on my credit report. I formally disputed the item in which they are reporting due to the wrong amount owed, and I do not recall getting a loan with this particular creditor. However, I did not receive a response to my dispute ; nor was my credit file updated to reveal and indicate that I disputed the item that is being reported.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
late payment reported on XX/XX/2021. All payment was paid on time direct deposit was set up.

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has to do more than inquires. My credit scored dropped 23 points for no reason

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 2017-08-04
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: CA
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 contacted Experian on XX/XX/20 for a reinvestigation of a dispute I started against the company XXXX and provided them with proof of response from my filing of complaint to the consumer financial bureau about the collection agency XXXX ( that appears on my credit report ) in which XXXX agreed to remove their account from my credit report. Experian sent me a response on XX/XX/20 stating that XXXX will remain on my report despite the proof I provided that they should be removed. I dont believe they actually contacted the company or looked at my documents. They did absolutely no investigating and gave me results in less than 24hours that were incorrect. I want that company removed from my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, 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:
I am a victim of identity theft. Please see the attached documents relating to this case and completed FTC REPORT. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was with Chase bank for 15 years My husband fell ill and needed my physical assistance. This illness eventually led to his XXXX. As a result we suffered some monetary loss. We fell behind on our payments but each time was able to reinstate our loan. I notices we were being charged for items not on my bill so I would question Chase Bank and after the loan was reinstated a few months later they would mail me a check. One of the most current times is the forms I have uploaded. I have uploaded the documents to illustrate how the fees would change for the same purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit 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 2021-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
late payment reported on XX/XX/2021. All payment was paid on time direct deposit was set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Funding LLCt. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove Midland Funding LLC from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Funding LLC removed from my credit file. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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 filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit 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 2020-12-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Sent letter of dispute of inaccurate items contained in ccredit report on XX/XX/2020. As of todays date XX/XX/2020 I have not recieved any corespondence from the credit bureau. This is well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Receivables Performance Management, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
mi informe de crdito muestra sobre una deuda que nunca se verific que fuera exacta y la que notifiqu por segunda vez el 12/03/2020 pero nunca respondieron y aun no contestan .

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/21 XX/XX/21 I call them they were rude my question was if they can delete hard inquiries in my trans union and XXXX and they said they cant when does enquirer are not my please can u delete them I give u permission

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 2020-11-19
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 explanation