BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: LEXISNEXIS
State: CT
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:
LexisNexis has been negligent, harmful and careless causing harm to this victim. 
LexisNexis was negligent and careless when it reported untrue, inaccurate derogatory information to an insurance company causing astronomical premium rate increases. The negligent reporting by LexisNexis has caused irreparable harm to me, the victim. 

The false derogatory information provided to XXXX XXXX is identified as Reason code XXXX on attachment 1 falsely, with negligence reporting negative public records, delinquencies or collections Attachments ( 3 ) are Summary Credit Reports supporting my " Excellent '' Credit record with no public records, delinquencies or collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX I believe it was reporting in error.

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 2016-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX I believe it was reporting in error.

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 2022-07-26
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: Investigation took more than 30 days

Complaint:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX Experian XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX I believe it was reporting in error.

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 2022-07-26
Company: EQUIFAX, 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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello and thank you for reviewing the complaint. After reviewing my credit profile an unfamiliar account from Sunrise credit services was placed on credit profile. Requesting to exercise my rights according to FCRA guidelines, to verify the signature and validate the contract.

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 2015-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is still ongoing, Trans Union spliced my credit with someone elses, using my social security, with another persons name and bad credit .I have been trying for almost 2 months to get my credit back in order .I have sent all requested paperwork XXXX times .Nothing has been done .I call XXXX times a week just to find out nothing has been done and I always get the same answer 5-7 days.After the XXXX Nothing has been done .I 'm trying to get a mortgage and ca n't because of this .I 'm going to be homeless in XXXX .if I ca n't get this fixed .If documents are needed I prefer to mail them because of sensitive info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLACED BACK ON MY FILE ADDRESSES THAT WERE INDEED FRAUDULENT AFTER SENDING ME INFORMATION THAT THE INFORMATION WAS DELETED. ON XXXX XXXX THE FOLLOWING INFORMATION FROM EQUIFAX WAS SENT TO ME STATING THAT THEY HAD INDEED REMOVED AND DELETED THE FRAUDLENT ADDRESSES THAT ARE IN QUESTIONED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX VIRGINIA XXXX VA XXXX. AS EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS PLENTY OF DOCUMENTS INCLUDING BUT NOT LIMITED TO POLICE REPORTS FROM NC/VA LAW ENFORCEMENT OFFICES AS WELL AS FTC AFFIDAVITS SUPPORTING THAT THESE ADDRESS DO NOT BELONG TO ME AND I HAVE NOT STAYED AT THESE ADDRESSES AND THAT IT IS INDEED FRUADLENT. ON XXXX XXXX XXXX I RECEIVED INFORMATION FROM EQUIFAX THAT THEY ARE REPORTING THE FOLLOWING ADDRESSES BACK TO MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CLAIMING THAT IM A RESIDENT OF THIS ADDRESS SINCE XXXX WHICH I HAVE NOT EVER STAYED AT THAT ADDRESS AND THE PROPERTY OWNERS AS WELL AS LAW ENFORCEMENT AND PUBLIC RECORDS WILL SHOW THAT IM NOT A RESIDENT OF THAT ADDRESS. XXXX XXXX XXXX XXXX NC XXXX EQUIFAX STATED THAT I WAS A RESIDENT OF THIS ADDRESS AND CAN NOT PROVE ME TO HAVE BEEN AT THAT ADDRESS AND STATED TO ME THAT I USED THAT ADDRESS FOR MAILING AND BUSINESS PURPOSES AND CAN NOT PROVE SHOW ON XXXX THAT I STAYED AT THAT ADDRESS BY AN APPLICATION OR MAIL RECEIVED BY ME AT THAT ADDRESS. ALSO XXXX XXXX XXXX XXXX XXXX IN XXXX VA XXXX EQUIFAX CLAIMED THAT I BEEN A RESIDENT OF THAT ADDRESS SINCE XXXX WHEN IN FACT THAT ADDRESS WAS FRAUDULENT AND CLAIMED THAT I USED THE ADDRESS FOR BILLING AND APPLICATION PURPOSES WITHOUT SENDING ANY PROOF. BUT HAVE DOCUMENTATION PROVING IN THEIR RECORDS FROM XXXX THAT IT WAS INDEED FRAUD AND I HAVE NOT STAYED AT THAT ADDRESS. ALSO THE ADDRESS OF XXXX XXXX VIRGINIA XXXX XXXX THAT THERE CLAIMING I BEEN A RESIDENT OF SINCE XXXX WAS INDEED A FRAUDULENT ADDRESS AND THE INFORMATION FROM THAT ADDRESS IS FRAUDULENT AND EQUIFAX HAS IN THERE RECORDS INFORMATION PROVING THAT I WAS NOT A RESIDENT OF THAT ADDRESS AND THAT IT WAS IN DEED FRAUDULENT. FROM LAW ENFORCEMENT OFFICIALS. WITHOUT PROVIDING ANY PROOF THAT I STAYED AT THAT ADDRESS AGAIN.. EQUIFAX HAS PROVEN TIME AND TIME AGAIN THAT IT WILL CONTINUE TO VIOLATE FEDERAL LAWS UNDER THE FCRA AND REINSERT INFORMATION THAT WAS DELETED AND CAN NOT BE PROVEN EVEN AFTER RECEIVING INFORMATION IN THERE FILES FROM LAW ENFORCEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2020-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need XXXX  credit report UNfrozen for a refinance loan. I can not reach a person via phone & am unsuccessful online. Both methods refernto the other then claim I must send a US postal letter (!? ) They say they can't verify who I am with the info provided ( name, address dob, ssn, I have lived at my current addy for more than 2 yrs. ) I even confirmed my name & addy spelling spelling from letters received from them! I can not reach a person. Every time I call it says they can't verify who I am because my credit report is FROZEN! Duh.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I 'm getting nowhere with these CRAs so I 'm complaining against each of them. I keep receiving results stating that these items have been verified but I know for a fact that congress is very clear when they state that the FCRA can not be " interpreted '' and that once I notify them that their results are wrong, they have to go beyond the original source of information, which they have not! I asked to see the documentation that they are using and I never received anything. I also did n't receive the procedures used to verify or investigate. Congress also states that the only way that an account can be verified is by having firsthand knowledge and using XXXX to do their " investigations '' is NOT legal verification. I also have accounts that were previously deleted that were reinserted without notification which is in violation of the FCRA and I did notify them and nothing was done to remove the reinserted accounts. 

Here are my disputes with Equifax : XXXX XXXX I told you that you have the wrong balance on this account and that I do n't owe the amount listed on my credit report. You also have the wrong open date listed and all XXXX bureaus are showing something different, so can you explain to me how you are verifying the open date of this account when they 're all different? 
XXXX XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I 've already told you that the balance listed is n't correct as well as the account type and the status of this account. I do n't have a charged-off or account in collection with this company. 
XXXX XXXX XXXX failed to legally verify, please remove pursuant to section XXXX of the FCRA XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I told you that this account as not charged-off, which means that the date of last activity is not right and you have the wrong balance. I do n't owe anything on this account XXXX the open date of this account is totally wrong XXXX XXXX You are now in violation of the FCRA, as I already notified you that this account was removed on my XXXX/XXXX/16 report and was reinserted on my XXXX report - report - you did not notify me of this reinsertion pursuant to section XXXX XXXX show me the proof that you have this account listed 100 % accurately. I told you that the account # and balance are wrong and you did n't do anything about it, did you?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: MT
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting incorrect information on my credit report in reference to an account with XXXX XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency to XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
I am a natural person. I am a human being. I have rights under 15 USC 1681. Equifax is it given by 15 USC 1681 and they violated my rights numerous of times. I demand accounts below to be removed because according to 15 USC 1681 I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
A company XXXX oil company pulled my credit without my permission. I do not know who it is.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: MT
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00}, and US DEPT ED XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-22
Company: Union Credit Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS account IS in violation of my hippa rights. i have contacted this company with no success in legally validating these debts. i would like these accounts removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I used chime bill pay service and payed XXXX XXXX and a paper check was mailed to the utility company I also did the same on same day with XXXX insurance for the amount of XXXX dollar these checks show cashed on my account page but no proof of payment is available by providing picture of cashed check from and back both merchants have requested proof of payment to credit the account I have informed chime that Both FDIC and U.S Treasury monetary rules and regulations say they must provide a copy of the check front and back at my request they refuse to do it and have kept my funds. Will not provide the information the are legally bound to provide as a bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Re : case # XXXX Capital One agreed to a settlement amount on XXXX XXXX in the amount of {$850.00} This amount was paid in full to the recovery department on XX/XX/2015I spoke to XXXX XXXX on XXXX XXXX, 2015, and explained to her that Cap One is still showing a balance of {$120.00} on my credit reports for this account.The settlement as stated in the agreement was to report a zero balance after paying the {$850.00} I have asked that this be reported correctly today, as their inaccurate reporting is affecting my credit scores.

Company response to consumer: Closed with explanation