BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$910.00} XXXX  XXXX XXXX  XXXX {$330.00} XXXX XXXX XXXX {$890.00} XXXX  XXXX XXXX  XXXX {$690.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$580.00}

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 explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: CO
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:
Equifax is reporting incorrectly that I am ( 120 ) days past due on the DPT EDXXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I noticed a car loan was taken out in my name from XXXX XXXX XXXX. I have never done business with XXXX or its partnerships. I have filed many police reports and FTC reports trying to dispute this account as identity theft. I have been fighting ID Theft since XX/XX/XXXX. I am trying to get loans and establish business credit but this account is affecting my financial abilities.

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 2022-04-14
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act inquiries XXXX XXXX, XXXX XXXX XXXX XXXX and 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 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 2017-03-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I recently paid off one part of my Navient Student loan. While the site does show that my loan is pain off it recalculated the payment for the remaining portion of the loan ( approximately {$2900.00} ) for 33 months at {$130.00} for a total amount of interest of {$1400.00}. while this makes great business sense for them I fele that there interest rate during recalculation of 30.85 % seems inordinately high for the loan having an interest rate of 6.05 % of the loan. I did contact them through the web site but did not yet hear back other than an automated response. I would just like to file to facilitate a resolution. As it stands the loan payment amount should be approximately {$96.00} mostly over the last 33 months at 6.05 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
unauthorized used of my consumer report and fraudulent use I have contacted my local bankruptcy court and they have notified me in writing that they DO NOT report bankruptcy to credit reporting agencies or Lexis Nexis. Lexis Nexis has advised they received this information from my Bankruptcy Court please read notification from my local bankruptcy court stating that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I tried using XXXX to get my free credit report from each agency. It only worked for one. Both Equifax and XXXX refused to give me my credit report online, and instead insisted I mail them of bunch of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: AL
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 being my last result before the court system is involved. I demand that the following inaccuracies be removed and or corrected on my consumer report. I had no idea that the credit reporting agencies were actually acting in a manner that I did not authorize or give my consent. Pursuant 115 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require everything listed in this complaint is removed/deleted/corrected immediately. This is my complaint and I have completed this on my own for myself. 
XXXX XXXX, XXXX XXXX ( late payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX late payment ), XXXX XXXX XXXX, AL XXXX ( remove address ), remove all of the following unauthorized hard inquiries XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2015-12-23
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Underwriter at BBVA bank is using a credit report with a fico score of XXXX from XXXX XXXX where the real score is XXXX. I had XXXX credit reporting agency pull a mortgage credit report that shows the correct score of XXXX, XXXX points higher. I sent it in to BBVA but they wo n't consider a credit report from an outside source. They are denying my loan of {$80000.00} which is a 78 % CLTV and will only approve 70 % CLTV even though I qualify income and ratio wise. I feel there is obliviously something wrong with their credit reporting system and is denying me a loan I should easily qualify for..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CarMax, 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:
I REVIEWED A COPY OF MY CREDIT REPORT AND FOUND A FRAUDULENT CAR LOAN IN MY XXXX REPORT. I HAVE NEVER HAD ACCOUNT WITH CARMAX. I AM A VICTIM OF IDENTITY THEFT. THIS ACCOUNT IS A FRAUDULENT ACCOUNT. XXXX CREDIT REPORTING AGENCY DELETED THE CARMAX ACCOUNT AS OF XX/XX/2019. IN SPITE OF THAT, XXXX REINSERTED THIS FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT AND MY CREDIT HISTORY WAS DAMAGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
sent po report inaccurate infomation all doc 's sent to the credit 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 2015-03-25
Company: Focus Holding Company
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated " Robo-calls '' with no information other than asking for you to call their XXXX number to collect a debt. They call 1-2 times a day. Caller ID says " Focus RCV MGMT '' Online Search calls the company " Focus Receivables Management '' and this is a common issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!

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 2021-08-31
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: EQUIFAX, 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:
I been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX  XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX   XXXX {$160.00} COLLECTIONS XXXX {$180.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Financial Asset Management, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have filed a complaint against Check City and they continue to call my cell phone even though they responded to my XXXX complaint by stating they removed my cell telephone number from their system. The fact is, they have INCREASED their calls to XXXX a day by calling from a Virginia phone number. The new number they are calling from is ( XXXX ) XXXX, the XXXX number was ( XXXX ) XXXX. Please see my XXXX complaint, Number XXXX. The company responded to the XXXX complaint by saying they placed my cell telephone number on a DO NOT CALL list in XXXX, but calls continue to pour in and I find it interesting they have switched the number they are calling from since I refuse to answer the old number they were using. And, they have XXXX up on their attempts to call my cell phone ... I am now getting calls from both numbers DAILY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: TX
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:
They continue to report inaccurate information to my credit report that does NOT belong to me and they did not verify or investigate as per FCRA guidelines!

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 2021-08-31
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for a personal loan online with XXXX, XXXX on XXXX XXXX I was denied the loan stating I had several judgement, IRS tax liens and three garnishments against me using XXXX. I stated to her that was not to and inaccurate information. Mrs. XXXX ( loan officer at XXXX XXXX  ) stated this was true from their background check with Lexia Nexis Company Full Disclosure, located in XXXX XXXX XXXX, XXXX GA XXXX. I contact the company on XX/XX/2021. I was asked a series of questions to identify me in there system. I spoke to operator XXXX and he also stated that I had several judgement, IRS tax liens and XXXX garnishments against me. I asked him did they have the correct spelling to my name XXXX XXXX. He stated yes, once again I stated to him this is incorrect. I contact all three credit companies and asked for and annual credit report since I have never received on in the past. I also contact by business attorney who is handling my business affairs as well. We both in returned contact the City of XXXXXXXX Courts, department of Taxation. Spoke with all parties and went over my credit report history. Nothing is showing with this information, I am current with all my open account no judgement, garnishment or tax liens. I contact the loan officer back and discovered I was being turned down due to my XXXX  background. I am a XXXX business owner, asking for a start up investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MS
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:
This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.

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 2015-07-31
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called Ally Financial multiple times during XXXX XXXX and XXXX to discuss my account and the impacts of being near XXXX days delinquent. I went online to make a payment, and submitted on XXXX XXXX, so I would not have my credit hurt. Upon going online I found Ally offered no disclosures about payments made on the weekend. Speaking with an agent she noted my account to which I received a call on XXXX XXXX only to be told my account was past due since XXXX 2015. The XXXX agent I spoke with showed my credit file was not updated and I would not be reported as being XXXX days past due since a payment was made. I received notification from XXXX XXXX of new reporting information, which was a delinquency reporting from Ally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: MoneyLion Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I OPEN MY ACCOUNT IN MONEYLION RECENTLY AND AFTER THAT I LINK MY XXXX ACCOUNT WITH MY MONEYLION ACCOUNT. 

AFTER SEND FUND TO MY MONEYLION ACCOUNT, MONEYLION BLOCK MY ACCOUNT WITHOUT ANY REASON. 

THEY DO NOT WANT GET MY MONEY BACK OR REFUND. 

ALL TRANSACCION WAS IN MY SAME NAME, THAT HOW THIS COMPANY IS REALLY BAD, KEEP THE MONEY FROM PEOPLE WITHOUT REASON. 

i wish my account restore and access to my fund. 

i do not made nothing unusual in my account and i want reopen. 
my account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed someone opened a cellphone line under my name, when it came to collection. i have never authorized anyone to do such thing. it is results of identity theft when i traveled to XXXX a few years ago. i urge you guys to take this off my credit because it does not belong to me

Company response to consumer: Closed with explanation