BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXX has two accounts on my credit report that should not be there. The first one is a credit card account number XXXX showing an opening date of XX/XX/XXXX. The second is an Auto Loan account number XXXX opened on XX/XX/XXXX. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraudulent information removed from 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 explanation
Consumer complaint received 2017-08-20
Company: LEXISNEXIS
State: MD
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:
This complaint is directed toward Lexis Nexis and its affiliated companies involved in consumer credit reporting. I have been trying to fix erroneous information being reported on my XXXX and XXXX reports. The information is being supplied by Lexis Nexis databases according to both CRAS.
I have requested my consumer reports from Lexis Nexis repeatedly through email, fax and letter and have been ignored. I would like every and all information that Lexis Nexis compiles about me and have all errors deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Several times in the past week, Recievables Performance Management LLC has contacted me before 7 am.  The people calling can not even communicate ( though I asked where they were from and what it was about repeatedly, I could never understand until I got a letter a few days later ). Furthermore, the supposed debt they are trying to collect is completely bogus, but that 's for another complaint.

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 2023-01-10
Company: Netspend Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have had major issues with 2 different cards now. 

I loaded {$500.00} on one Western Union card but the card has never worked.

I loaded {$30.00} on a PayPal card and it doesn't work.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account has violated my rights XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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 2021-03-10
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Debt Recovery Solutions on XX/XX/XXXX that stated I owed {$240.00} to XXXX XXXX for an unpaid payday loan.. I disregarded the letter bc I do not owe XXXX  XXXX anything and I currently have a payday loan with them and you cant have a new loan unless the other one is paid off. The next day I was notified by XXXX  and XXXX  and XXXX  about a collection from Debt Recovery Solutions. On Monday XX/XX/XXXX I called Debt Recovery Solutions and I explained to them I did not owe anything to XXXX XXXX and I have the receipt that shows paid in full on XX/XX/XXXX. They said to send documentation to XXXX which I did when we hung up they said it would take 3 weeks or so to resolve this. On Tuesday XX/XX/XXXX I called XXXX XXXX to see if they can help me and they said that they do not know how Debt Recovery Solutions obtained my info. They said they did not sell my info to a 3rd party. I am writing this complaint bc Debt Recovery Solutions is fraudulently reporting a collection that has been pain in full since XXXX XXXX There is no reason this should be on my credit reports. I owe no money to XXXX XXXX and Debt Recovery Solutions I believe is committing fraud and committing a crime by falsely reporting something that is not true ... I have attached the receipt from XXXX XXXX that shows paid in full on XX/XX/XXXX and also the letter Debt Recovery Solutions sent me dated XX/XX/XXXX ..one year and three months after the debt was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Experian Information Solutions Inc.
State: TX
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:
24 inquiries on credit on XXXX that. I was victim of them placing and removing and replacing on my report and the refuse to remove them. Or take care of this issue! Please fix this!

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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, XXXX XXXX XXXX also known as XXXX acct # XXXX has violated my rights. 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 To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of. 

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer. 



They also violated my rights numerous times. 



According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report. 



According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

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 2017-08-20
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This company is Comenity Bank which handles credit card accounts for Victoria`s Secret. I notified this company by letter of fraud for {$490.00} on XX/XX/XXXX. A letter was returned to me XX/XX/XXXX indicating I had no basis for the fraud. I submitted an identity theft report, proof of identity, police report and Notice of Furnishers of Information XX/XX/XXXXin written form via return receipt mail which was received by signature confirmation. I again received a bill from this company XX/XX/XXXX requesting payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: ID
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, XXXX XXXX XXXX also known as XXXX  acct # XXXX has violated my rights. 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 To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX in XXXX, North Carolina to trade in my XXXX XXXX XXXX for a XXXX XXXX. The trade-in/deal was successful with no issues and the payoff check for {$26000.00} was sent to Nissan Motors Acceptance Corporation ( NMAC ) on XX/XX/XXXX. The check was cleared on XX/XX/XXXX and it was processed by NMAC on XX/XX/XXXX. Upon processing, my auto loan with NMAC was closed as it was paid in full and was reported to all three credit bureaus with the same status. On XX/XX/XXXX, I received a notification on the XXXX XXXX app on my XXXX and saw that the loan had reopened this month and I lost 40 points towards my XXXX score, 8 on my XXXX  and 10 on my XXXX score. It was also reported that I have three late payments when I never had a late payment during my time with NMAC ( I purchased the Nissan brand-new in XX/XX/XXXX from XXXX XXXX in XXXX, NC ). I spoke to three different representatives from NMAC over the phone and each time the rep could n't explain why my auto loan account reopened and promised to call me back with any updates but never received a callback. On XX/XX/XXXX, I went to XXXX XXXX & spoke to the payoff clerk who handles the payoff checks and she confirmed with me that not only that the payoff check cleared with XXXX 's bank but the XXXX has since been sold and when the payoff check was cleared on Nissan 's end, NMAC sent XXXX XXXX the title of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX 's is reporting that this card is mine, and I have never filled out an application for this card. I was added as an authorized user but I was asked to be removed XX/XX/2022 by the account owner. After several disputes Experian and XXXX have failed to provide XXXX XXXX  from XXXX 's verifying that I am the actual account holder

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 2022-02-03
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has discriminated me and continues to mishandle my credit file. I have requested a call back from a Manger of the office of consumer affairs for over a year now regarding the mishandling and treatment of my credit file. Every agent I spoke to say they are the highest point of escluation however they will send and internal message to management. 

Equifax has restricted my simple ability to dispute inaccuracies online which is afforded to every consumer and has now restricted my ability to dispute inaccurate information via phone. I've been hung up on and talked to rudely and not given service from Equifax 's agents in general customer service and the office of consumer affair 's. 

What should be a simple dispute online or phone now takes hours to get one person on the phone. The mishandling of my credit has caused a tremendous amount of stress and strain on my family and has financially impacted us as a result of Equifax 's continued negligence. 

The only reason I've dealt with fraud in the recent years comes from Equifax data breech of my personal information being compromised and as a result Equifax has punished and discriminated me for it's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries and incorrect information has been diligently neglected by TransUnion. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and incorrect information that are still reporting on my account : Inquiries : XXXX XXXX XXXX Date of XXXX XXXX Date of XXXX XXXX XXXX  Date of XXXX NAME : 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 Date Updated : XX/XX/2009 XXXX XXXX XXXX Date 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 2017-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX inquiries on credit on transiuion that. I was victim of them placing and removing and replacing on my report and the refuse to remove them. Or take care of this issue! Please fix this!

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 2022-02-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX date XX/XX/XXXX My complaint is with XXXX and Transunion credit bureaus the problem is XXXX and Transunion are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with XXXX and Transunion, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to XXXX and Transunion they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX. attachment thank you your assistant sincerely XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: LA
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 was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: WA
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 had a XXXX XXXX credit card account that became charged off and was later pursued as a collection account by XXXX XXXX XXXX XXXX. I have since been able to address this account through XXXX and they have deleted the negative reporting associated with this account. The XXXX XXXX account is still showing as carrying a balance. I have attempted to correct this reporting via the fair credit reporting act and contact with the creditor. XXXX XXXX responded that they had sold the account to XXXX and were no longer reporting it. A recent home loan inquiry still reports this account with a delinquent balance. I have included the notices I received from XXXX XXXX XXXX XXXX XXXX verifying the debt and payment. 



I would like this account deleted from my credit history.

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