BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
LexisNexis report says I'm involved in a car accident 's. I requested my consumer report to dispute anything incorrect. LexisNexis refuse to send working PIN number that works. This has cause my car insurance premium to go up extremely high over LexisNexis car report I have no access to. LexisNexis have false car accident 's reports on file I provided the letter with proof on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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:
I contacted Transunion and XXXX to dispute inaccurate inquiries on my credit report on XX/XX/2021. I have yet to receive a response from both credit agencies.

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 2022-01-18
Company: EQUIFAX, 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:
I contacted XXXX and Equifax to dispute inaccurate inquiries on my credit report on XX/XX/2021. I have yet to receive a response from both credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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:
I filed a dispute with Equifax credit reporting agency on XX/XX/2021 about a bankruptcy showing on my credit report unknown to me. Equifax mailed a response back saying that XXXX credit reporting agency reported the bankruptcy. I contacted XXXX and ask them to send me a copy of my report that they had on me. I received the report showing no bankruptcy on my report and sent it to Equifax credit reporting agency on XX/XX/2021. On XX/XX/2021 I received a response from Equifax stating that The company that reported the information has certified to Equifax that the information is accurate. I don't think Equifax contacted XXXX because if they did XXXX would have reported to them that they don't have a bankruptcy showing on my report. I have attached the XXXX report to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
LVNV dba Resurgent Capital Services has continued to call my employer my cell number every day threatening me jail time law suits and bullying tactics to collect a charge off for {$1200.00}. I tried to negotiate with the debt collector and they said they will not negotiate with me at all. I wish for this debt to be removed from my credit reports per the FCRA for violations of tactics that are unlawful and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax potentially released my sensitive personal information to sources that were not approved by myself. This could have an impact on my financial records into the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
" Pay Pal XXXX XXXX '' has not released my funds when they said they would be available on 3 separate occasions. All donations received " on or before the XXXX of the month '' are supposed to be released " on the XXXX of that month ''. When this didn't happen the first time, they told me I " didn't validate my bank account in time ''. So when I fixed that alleged error, they said " there would be a special payout on the XXXX of the following month which was to include all of the previous month 's donations ''. When this didn't happen I called back to receive another excuse saying that they are " having issues with their back end pay outs ''. Whatever that means. Then the next month on the XXXX I received a random amount of funds that was not even close to the amount that they owed me. Their excuse this time, is that " the back end payouts system was changed and that put them behind and I should receive the rest of my donations before XXXX ''. Each time I call, I am placed on hold/on the phone for at least an hour, as the " Pay Pal XXXX XXXX '' has no direct line. Due to this, they make you wait on hold for a representative that can not help you only to be transfered to the correct department and wait on hold even longer. Most of their representatives don't even know what you're talking about and are unable/unwilling to help. There are no definites in their answers either, just vague maybes and open ended dates. They even tell you there is no direct way to reach their department. What they are doing is operating under the guise of " helping '' non profits, but what they are really doing is holding their money illegally, breaking their promises/comittements, all while taking their fees off of the top to ensure they get paid. I think they use the donations to their own personal benefit and simply do not have the funds available on the day they are due. This is criminal and they should be stopped and shut down ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Transunion and XXXX numerous times about fraudulent inquires on my credit report. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: OR
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 do not owe money to XXXX, XXXX or XXXX XXXX  there is no contract between me and them and I have asked XXXX, XXXX and eqifax to produce proof of contract and they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: The Bureaus, Inc.
State: NC
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 received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 do not owe money to XXXX, XXXX or XXXX XXXX  there is no contract between me and them and I have asked XXXX, transunion and XXXX to produce proof of contract and they have not

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 2023-06-29
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Car was wreck not my fault car was totaled my lender was credit acceptance the gap cover but 4 years later I have interest and staying Im late over 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 2019-11-25
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
Experian contacted " XXXX XXXXt '' ( company name ) for a XXXX XXXX  cable bill and they don't own the bill anymore. XXXX  is the one that has the debt. I have paid the debt with XXXX ( attached ) but Experian during the dispute dropped my credit rating 17  points ( is that personal? ) but more importantly " XXXX XXXX '' no longer owns the debt. and XXXX is not reporting this to my credit. Lastly the dispute has been settled. but Experian has the request locked so I cant even add the new information or contact them by phone. it says both settled in in dispute for a week now, see attached. PS all 3 reporting XXXX, XXXX XXXX and Experian all falsely have " XXXX XXXX '' as the owner of this debt. so I cant see to get through to any of them on this. and XXXX XXXX  wont help as they don't own it anymore : (

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 2022-10-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 XXXX 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 non-monetary relief
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Act XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-06-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act 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 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, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Winklevoss Exchange LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to withdraw my USD funds from Gemini but three days ago I received a notification stating XXXX XXXX on XXXX from XXXX XXXX, California, United States was detected. As a precaution, we have XXXX digital asset withdrawals from this device. My current withdraw is now pending and I have emailed Gemini support to hopes of receiving helps and to re-enable account, but have had no support or email back. They also have no support number to directly get in touch with someone making it very difficult to get support. Then one hour ago from XXXX XXXX pacific time XX/XX/22 I received a message stating Unfortunately, this account is currently frozen and unable to transfer funds or trade on Gemini. Once again I have emailed the company with zero support received so far. My withdraw of nearly XXXX USD is still pending and I have not received any help on opening the account back up. I received no email as to why the account was frozen and no help so far on opening it back up. The lack of customer service is extremely disheartening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX and XXXX I consolidated enrolled in income based repayment. During that process talked to XXXX customer service agents many times and was repeatedly assured that all my XXXX loans were PSLF eligible. This was not correct and I lost about 37 months of PSLF payments before realizing that not all my loans were accumulating PSLF credits. This was an awful experience, and made me feel stupid and helpless and angry. I cried after getting off the phone with agents because the interactions were so frustrating and there seemed to be nothing I could do about it. 

I re-consolidated earlier in XXXX and was told that all of my loans would be on the same payment plan, and would be direct debited, and I did n't have to do anything else. I called and asked about this specifically. 

Then I got a bill indicating that only part of my payment would be direct debited and the other part had a manual payment due. I logged in and changed my entire payment to direct debit and got an email confirming that a direct debit payment would be processed tomorrow, XXXX. I called to confirm this and was told that no direct debit would be proceed on XXXX. I was told to pay manually and ignore the email and the information on my account page stating that an electronic payment would be debited on XXXX. I was told that I could pay manually and then skip a payment next month if the electronic debit was actually processed ( missing out on yet another PSLF monthlypayment credit ) or not pay the bill and wait three business days to see if they process the electronic payment, and pay manually if they did n't. 

I asked to file a complaint about getting misleading information and the agent was sympathetic and said she would note the complaint, but I do n't feel confident in XXXX billing or the information I get from the customer service agents, as dealing with them has repeatedly left me feeling awful, helpless, and frustrated. 

I ca n't pause the electronic payment for this month because it is " already being processed '' even though it is supposedly not going to be withdrawn. I just want to pay my bills on time and not miss out on any more PSLF monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Johnson Mark LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received court documents this morning as a result of a credit card debt with XXXX XXXX XXXX. The amount that is listed on the court documents is about {$400.00} higher than my last statement with XXXX XXXX, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed XXXX XXXX several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with XXXX XXXX XXXX and I am willing to work with them to pay off the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: VA
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 Act XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-03-01
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: Their investigation did not fix an error on your report

Complaint:
There were a few accounts that were opened under my name that I didnt approve. Being that I was a victim of identity theft I made a police report that was approved. The bureaus claim that those accounts were verified even after police report was submitted

Company response to consumer: Closed with explanation