BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy. 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 According to : 15 U.S.C 1681s-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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Resurgent Capital Services L.P.
State: NV
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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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:
I became aware of a fraudulent department store credit account opened in my name on Friday,  XX/XX/XXXX because the department store called me to verify that I had opened a charge account online, and wanted to confirm that I had charged $ 600+ in merchandise before shipping it. I stated that I did not open an account, and that the account and purchase attempt were fraudulent.
<P/>
I went home and placed a fraud alert with the major credit bureaus, and I subsequently obtained and reviewed all of my credit reports.
<P/>
I found an item under the " soft inquiry '' section of my report that was disturbing : an item indicating that I had accessed my own credit report via the agency 's interactive site on   XXXX  , but I did not access my report on that date. When I called this credit agency, the Fraud Department told me I had to speak to the Interactive division, and the Interactive division told me I had to speak with the Fraud Department, and also told me that they can not access any additional information about the source of the fraudulent consumer inquiry in question that I did not initiate.
<P/>
Obviously, if there is a logical explanation, I 'd like to know. Given the recent fraudulent department store account, it 's very frustrating that potentially, an unknown party posing as me, obtained my credit report. I 'd like to what this inquiry is, and if it is fraudulent, and how to prevent it from happening again, and how to keep it from happening to others.
<P/>
And, perhaps coincidentally, the potentially false consumer request from the fraudulent person posing as me happened on  X/XX/17 . The date that the department store made an inquiry to open the fraudulent credit account was just 3 days later on   XXXX  .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
contacted Credit Card Company like Capital One account balance was XXXX but due to late fees it is in collections for XXXX. I contacted Capital One back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card account without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court. Capital One actually filed a small claims complaint that i was unable to attend due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Today is XX/XX/2021. I mailed out letters to XXXXx, Transunion and XXXX on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, XXXX, Transunion, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting my third CFPB complaint today to request to the Credit Reporting Agencies for them to remove the disputed fraudulent accounts and information from my Credit File. Under the Fair Credit Reporting Act Section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to the theft of my identity. I sent a letter addressed to the Credit Bureaus requesting that they remove the fraudulent accounts and information from my Credit File. Once again, I am requesting that the Credit Bureaus remove the following fraudulent accounts and information from my Credit File : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$350.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$350.00} 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 XXXXXX/XX/XXXX. If the Credit Reporting Agencies claim that the disputed accounts and information belong to me, I need the Credit Bureaus to please provide me copies of proof of verification or any documents bearing my signature. Failure to provide so must result in the immediate deletion of the items in dispute.

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 2022-09-15
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I has an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX*Date Opened : XX/XX/2015 Balance : {$36000.00}

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 2023-04-04
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ I received an alert from my XXXX report that I had an inquiry but I knew I didnt authorize anyone to check my credit. A company or law firm named Kirschbaum Nanney Keenangriff checked my credit report without my authorization. I have no affiliation with them. I never authorized them to check my credit. I will be making a formal complaint to the NC state law board.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.

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 2022-04-05
Company: Experian Information Solutions Inc.
State: AR
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:
Starting XX/XX/XXXX, I had sent out letters towards EXPERIAN to dispute the inaccuracies on my credit report for bankruptcy regarding this account : XXXX XXXX XXXX XXXX XXXX. I received a letter regarding investigation on these inaccuracies on my report, but pursuant to 15 USC 1681a ( c ) it states that investigation on a consumer reports entails that you obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. No such investigation was done in this matter. I received a letter as of XX/XX/XXXX and an email on XX/XX/XXXX, stating they have completed the investigation and I did not receive any documentation proving the inaccuracy on my report. I have demanded that I receive documentation from the creditors indicating the inaccuracy regarding this bankruptcy. Pursuant to 15 USC 1681a ( 2 ) ( b ) I demand that you remove the inaccuracy from my report. I express my right to demand EXPERIAN disclose all documents they recorded and retained in my consumers file at the time of request concerning this alleged bankruptcy EXPERIAN is reporting on my credit file. EXPERIAN can not just reply in writing stating that EXPERIAN has verified alleged bankruptcy on my credit file without supporting full disclosure documents of how EXPERIAN has verified alleged bankruptcy. Ive also included documentation from the ARKANSAS Court system saying they do no report to third agencies. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provided necessary documentation.

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 2022-04-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I got a letter from Lakeview Loan Servicing that my account information was hacked when their servers had a breach. I am so tired of these places thinking they can offer you 1 year of credit monitoring just like XXXX! 

When I called them to complain about it I get put on hold and no one comes back to the phone. They had a data breach in XX/XX/2021 through XXXX XXXX XXXX  and I just now get a letter stating my information was stolen. 

This free credit monitoring is not sufficient! Their failure to have a secure location so that our information can not be breached. I was informed they have all my information and full social security. This kind of behavior can not be tolerated and allowed to toss you a year of free credit monitoring!

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 2018-06-20
Company: Credit Service International Corp
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had went to court back in XXXX of XX/XX/XXXX for falsely alleged damages owed on an apartment I had rented for around 6 years and the case was dismissed.I am now getting threatened with garnishment papers for a debt that isn't owed on a case that was dismissed almost 7 years ago. This is going against the court of law and a order brought by a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Santander Consumer USA Holdings Inc.
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: Account status incorrect

Complaint:
This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from 2021 during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year 2021 which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was XXXX late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The original debt from the   XXXX   XXXX   XXXX   XXXX   was {$5000.00} and I had paid it down to {$4300.00} by  XX/XX/XXXX  it was {$3800.00}. On  XX/XX/XXXX  I was served court papers at   XXXX   XXXX  ., from The Best Service Company. I called them to find out why were they doing this and   XXXX   XXXX   stated that I told him not to call my job any more so he is suing me! I tried to explain that by him yelling at me and threatening me is not allowed. He then stated that if I wanted to stop the court proceedings I would have to pay the clerk of the court fees of {$220.00} the first payment and then the second payment on  XX/XX/XXXX . In  XX/XX/XXXX  I was placed on disability and was not receiving my full pay so I called the companies I owed the situation. I could not contact The Best Service Company because I did not have a phone number nor an address. I received a letter on XX/XX/XXXX  from the Best Service Company stating I have missed three payments of {$120.00} a month and I need to cure this default of {$370.00} in 10 days. I borrowed the money and I have been current. I called   XXXX   XXXX    on XX/XX/XXXX  to ask if I could pay half of my debt which at that time was {$3400.00} with  XXXX  payment.  XXXX  said when you get the money to call him back. On XX/XX/XXXX  I called him back but he did not answer the call. I left a msg that I have borrowed {$1400.00}. I called again the same day and he answered and right away he was rude and would not take the money I offered, but he said I was late with my payment. So I paid {$120.00} and hung up the phone! Yesterday I received an alert from  XXXX  regarding my credit score! I signed on a it was the Best Service Company it had said I was seriously delinquent on XX/XX/XXXX ! I called   XXXX   XXXX   and I was hysterical and crying trying to explain that I have been trying to fix my credit score and you stated I was seriously delinquent. He yelled at me " you do not tell me what I can do and matter you are being rude to me and when you learn how to talk to me you can call me back. So I told hi I am not being rude but how does he think this is fair! He stated that as of right now the amount you owe is {$3800.00} you were late this month with your payment and if you are late again it will go up again! I will never be able to pay this off if he continues to do this, please help me!

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 2023-07-25
Company: EQUIFAX, INC.
State: IL
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:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: QUALITY ACCEPTANCE LLC
State: OH
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:
I have contacted the credit bureaus in the creditors on numerous occasions, dates listed below : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX  Quality XXXX XXXX XXXX XXXX This account is being reported wrong it is showing a XXXX balance The last reported dates don't match, Comments : XXXX reporting Closed ; XXXX- no status ; XXXX- closed or paid/XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 response to consumer: Closed with explanation