BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DEMADE TO COMPLY! 


Please reference CFPF Record # XXXX. 

This compliant has been going on for months and TransUnion is the only CA report this account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and in violation of my rights! Why should they be allow to publish this false information in my credit report and keep delaying the removal? 

It has been over 30 days and it's staying this can back to me within 60 days. Why do I have to be delayed for there bad business practices? Again, I will move forward with contacting the attorney that sued XXXX for XXXX XXXX dollars. As from this point Trans Union was provide the opportunity to correct the issues and refuse to do so, now they will be FULLY RESPONSIBLE IF I APPLY FOR A HOUSE AND GET DEINED. 

They will have XXXX pay for all damages and address legal fees! 

Please remove this account ASAP. I have reference all combined complaints in the prior compliant along with support documents. 

Per the law, they had 15 days to comply with my request and they have yet to do so.

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 2021-06-14
Company: Experian Information Solutions Inc.
State: KS
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 had several hard inquiries on my account that I did not authorize. I called and sent several dispute letters. 

Company TransUnion Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Company Experian Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX Date : Dont show XXXX XXXX Date : XX/XX/2020 XXXX card

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 2021-12-12
Company: Lending Club Corp
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have received a XXXX debit card from " Lending Club '' which from my understanding is linked to a loan line. I have never requested any loans or cards from this company. I have tried contacting their Costumer Service number, but their operation hours are limited and I couldn't reach anyone. They also do not list a " fraud department '' or XXXX number for complaints related to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is in reference to my mortgage service provider, XXXX, i.e. Lakeview Loan Servicing, LLC. 
I have tried seven times via phone and email to speak with someone about getting my mortgage insurance removed or to initiate the process of reappraising the property 's market value. I have tracking numbers and documentation of who I spoke with in all instances. This process has now taken over four months from initial contact and I still have not heard anything back from them. This process, which I am initiating, is costing me a lot of time and money. They are either inept or are fraudulently not complying with my requests to instate the process of removing the PMI. 
The Homeowners Protection Act of 1998 gives you the right to request the cancellation of the PMI premium that is added to your loan payments. This untimely response seems to violate my rights under the 'Non-High-Risk Residential Mortgage Transactions ' section of the act.

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 2017-04-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I reviewed my Experian credit file, I noticed many items that were inaccurately reported. I contacted Experian by phone to discuss the items and was asked to go on line to file a dispute for the items. I chose to exercise my right to file the dispute in writing. On XX/XX/XXXX, I sent a letter to Experian noting a few accounts, including these accounts : XXXX from XXXX and from XXXX XXXX. I sent this correspondence certified mail with a return receipt requested. I received confirmation that my letter was received by Experian on XX/XX/2017. I received a copy of my dispute resolution approximately 2 weeks later, noting these accounts were accurate and would continue to report. On XX/XX/2017, I contacted Experian to inquire about the disputes and about the way by which these inaccurate accounts were verified. I also asked for the documents in their file that were used for verification purposes. I begged them for proof. I asked the same questions after calling their office 2 times on XX/XX/XXXX, speaking to 2 agents and a supervisor named XXXX. She did not give additional identifying information. During those conversations, I was told that Experian does not maintain actual proof of verification for accounts, the way that they verified these accounts is by sending the account to the creditor and, in return, the creditor said that it is accurate. I was also told by both agents that there is n't any department or employee at Experian that has access to any such documents that were used to verify these accounts because they do not exist. Based on a 3rd party collection agency, without any documentation to provide to me, Experian closed my disputes without verifying the accuracy of the information. I was told by agents, and the supervisor named XXXX, there that they did not have to provide me with such proof & the creditor 's word was enough for them to keep reporting it unchanged. I was also told that I needed to get my own proof and I needed to contact the creditor. I 'm requesting the above named accts : XXXX ( both ) and XXXX be deleted ASAP since Experian failed to verify the accuracy of the information reported by their company in accordance with the Fair Credit Reporting Act. To date I have not been provided with any documented proof from Experian that these accounts are accurately 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 2021-12-12
Company: EQUIFAX, INC.
State: MS
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. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX Balance {$78.00} Inquiries : XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: The Receivable Management Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello my name is XXXX XXXX XXXX and I would like to put in a complaint with Receivable Management. The complaint is about Receivable Management a debt collector on behalf of XXXX XXXX XXXX XXXX. The issue that I am having is that I cancelled the auto insurance policy at the end of the 6 months, on XX/XX/XXXX this was terminated. Receivable Management has placed a debt collection onto my credit report twice one in the amount of {$1300.00} on XX/XX/XXXX and the other for {$340.00} on XX/XX/XXXX. I am submitting this complaint on behalf of myself. 
I have reach out to progressive and they have in their system that the auto insurance has been cancelled effective XX/XX/XXXX. I have contacted Receivable Management to discuss the dates and amounts weren't accurate. The representative did not want to hear my complaint and basically told me its yours and there is nothing they could do about it.

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 2021-05-13
Company: EQUIFAX, INC.
State: DE
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 have been disputing multiple accounts with XXXX XXXX XXXX. i have tried disputing directly with them and they have failed to answer me. XXXX XXXX has attempted to take me to court, After requesting for proof that i was the account holder lvnv funding has failed to answer the court. The case was dismissed due to XXXX XXXX not able to verify this debt. If the courts can not get XXXX XXXX to answer, there is no way your company has actually completed a fair investigation. how can you verify an account if the courts can not verify an account in a court case? I demand for all accounts listed under XXXX XXXX to be removed from my credit report or i will file suit against your company for inaccurately reporting on my credit report. you can find the dismissal from the judge attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have put my normal spend on my credit card. Credit card company decided to not pay rewards since they are labeling it Account Abuse / Misuse and Fraud. This is not the case. I believe they are doing this to just not pay rewards.

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 2022-04-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-08-25
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : On XX/XX/XXXX, I sent a certified/notarized letter to LexisNexis asking them to remove a XXXX Bankruptcy from my credit file because I nor the XXXX XXXX XXXX Bankruptcy Court provided them consent to sell or provide XXXX, XXXX, XXXX XXXX with my Bankruptcy information. 

I advised them that they violated my rights by committing the below violations : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction In response to my letter, I received a letter on XX/XX/XXXX from LexisNexis that was dated XX/XX/XXXX & XX/XX/XXXX, they advised that the information was accurate and they found these accuracies sourced from their own company as well as PACER Service. 

I am filing this personal complaint because they continue to violate my personal rights and have not received any proof from the XXXX XXXX Bankruptcy courts or myself to allow them to sell my personal information. This is against the law and they need to remove this from my personal credit file and DO NOT sell my information any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX. Equifax and XXXX has four inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX. XXXX and Transunion has four inquiries on my credit report I dont recongnize. I sent letters to all three asking them to remove 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
Consumer complaint received 2021-12-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/2021 I placed an online order with XXXX for a for a 21700 battery. The 21700 describes the batterys physical dimensions : 21 millimeters in diameter and 70 millimeters long ; similar to the c cell, or d designator for standard battery size in the past. The 21700 battery I received however was 75mm long, and would not fit the device I purchased it for. When I contacted XXXX for a refund they told me there would not be able to provide a full refund, to exaggerate to make a point : 30 % open package charge ; 30 % restocking ; 40 % shipping charge, so in the end, after returning the product, I would owe them an additional 10 %. 
I thought this was unreasonable and contacted my credit card companies to dispute the charges. My first contact was by phone, explaining in detail the above mentioned problems, they sent me a physical letter asking for the same details, which I provided the same day. I then recieved a letter from the credit card company instructing me to return the product to the company with detailed information about the return ( and the complaint information AGAIN ). The dispute on the charge was removed until the return was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is 18.95!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX Please make these XXXX, yes all XXXX bureaus, make things right for people who only have their credit to rely on, working their single butts off, paying ungodly amounts for rent, who pay their bills, etc.

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 2020-10-07
Company: EQUIFAX, INC.
State: LA
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:
For the past 90 days Equifax refuses to correct my credit report. Currently they have me with two home mortgages.. One with my Bank which XXXX XXXX XXXX Bank for a total amount of {$91000.00} and a second mortgage with XXXX XXXX XXXX XXXX XXXX Mortgage. XXXX XXXX  has the same account number as XXXX XXXX bank, # XXXX. The reason Equifax will not remove it after several bank letters, phone calls and additional disputes filed to Equifax. Number XXXX. All because XXXX reports a different balance. Their balance is {$88000.00} and XXXX balance is {$91000.00}. Same loan number. Equifax claims that since the mortgage companies have different names and different amounts they can not remove it. The reason for different amounts is that they file separate reports at different dates causing different balances. So as of today instead of having one mortgage for only {$91000.00} my Equifax reports currently shows that I now have three mortgages for a total of {$220000.00}. Additionally they have not removed a second mortgage from my grand totals. I paid off my second mortgage on XX/XX/2020 for a total {$48000.00}. So my credit is totally damaged, my total score went down from very good to good just because of the above errors. I'm not able to secure better interest rates because of Equifax failure to correct what my bank has asked them to fix three different times. Equifax does not care about the consumers and a complaint needs to be lodged so other know how they are damaging consumers by total negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt collector saying I owe a debt on an old credit card. I called the credit card company and they show there is not amount owed or charged off to debt collector. This happend on XX/XX/2019. They say there company is called XXXX XXXX XXXX XXXX. When I call them back they put me on hold and it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In trying to obtain funding for a real estate need, I was turned down because of information shared by Experian with the potential Creditor. I obtained a copy of my Credit Report and discovered that Experian is reporting multiple errors on my Report so I contacted them multiple times seeking to have them delete negative information that they are providing potential Creditors but they refused. I believe that if the information on one 's Credit File is incomplete, incorrect, unauthorized, it must be deleted upon the request of the Consumer. 

The errors ranged from : XXXX incorrect SS # ( Experian has XXXX ). mine is XXXX. 
XXXX incorrect name : Experian has XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX incorrect address of Bankruptcy XXXX. 
XXXX multiple unauthorized hard inquiries by companies that had no Permissible Purpose, I had not given consent to and I have no business with. They are marked with *. 

I have written and called Experian about these but they just don't care and continue to report the errors. I am soliciting the intervening power of CFPB to have Experian show respect for the law : CFPB, FCRA, Federal, State, Local ; and delete all negative entries they are reporting on my Credit file with so many errors. Experian collected, used and shared my personal information without my knowledge or consent. 

Long live CFPB. I think help has finally come! Please note the highlighted concerns as well as those marked in * in the attached document.

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