BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: LEXISNEXIS
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is the THIRD CFPB complaint I have filed against LexisNexis to correct errors in my consumer file. In response to my last CFPB complaint, LexisNexis dubiously claimed that I failed to submit sufficient evidence of my identity. To prevent any further unfounded assertions by LexisNexis regarding proof of identity, I have attached my drivers license, birth certificate, passport, social security card and cell phone bill dated XX/XX/, with my current address. I have also attached the confirmation letter from LexisNexis in response to my most recent request for a copy of my consumer file. My consumer number is XXXX. My case number is XXXX. I have also attached the applicable pages of my consumer file containing the information I wish to dispute. My full legal name is XXXX XXXX XXXX XXXX, NOT XXXX XXXX as stated in Section 1 of my report. Please see the attached documentation. Please remove the name XXXX XXXX from Section 1 of my file. Additionally, my phone number is NOT XXXX as listed in Section 1 of the report. Please see the attached phone bill. I have NEVER used the number XXXX. LexisNexis falsely claimed that this number was not listed in my file in response to my last CFPB complaint. However, the attached evidence is irrefutable. I want this number to be removed from Section 1 of my file. Finally, as previously stated, my full legal name is XXXX XXXX XXXX XXXX. Section 8 of my file incorrectly states that my name is XXXX XXXX XXXX XXXX. Please remove this incorrect name from my file. It is my sincere hope that my file will at last be accurate as a result of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
The following inquiries were done without my written authorization or consent 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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-02-09
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: Reporting company used your report improperly

Complaint:
made goodwill gesture to allow the agency to correct the erroneous reporting, and I have maintained a careful record of my communications with the agency and now I am filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office due to the non-compliance of the agency. I do not agree with the item listed below which still appears on my credit report, even after a so-called Investigation. I would like this item immediately re- investigated. These inaccuracies are highly injurious to my credit rating. I have been turned down for job opportunities and many purchases due to this inaccurate report. The following is inaccurate : Company : XXXX Account Number : XXXX REASONS TO INVESTIGATE AND VALIDATE THE ACCOUNT : validation of debt not given as requested, Date opened is incorrect, inaccurate payment dates, I DID NOT provide written permission for this account to even be reporting to or on my credit report, Wrong date of last activity noted, Wrong balance listed, wrong payment dates listed .Wrong date of last activity noted, Wrong balance listed, Wrong credit limit amount listed. It is my understanding with MY RIGHTS AND federal consumer laws that they will check these items with the creditor who has posted them and MUST provide documented validation of all reported inaccuracies and validates debt. I WANT THIS ACCOUNT AND ALL INACCURATE INFORMATION THAT IS NOT VALIDATED AND DOCUMENTS PROVIDED TO ME REMOVED 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 non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 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 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 2023-09-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2017-04-18
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Confidentiality breach. When I requested copies of my mortgage documents,  Nationstar  bank sent me someone else 's documents including pay check stubs, tax returns with signatures, social security numbers, phone numbers, addresses, attached to my documents. I am concerned my documents may have been sent to the other party or someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I lost my wallet, called Police, received Police report, then XXXX, TransUnion and XXXX did not remove off my credit report Completely erase from my account and account history!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate again the unverifiable items and update them immediately in my report! 
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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: NJ
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 am writing to express my concern regarding fraudulent items on my credit report. I recently discovered several entries on my credit report that were not authorized or initiated by me, causing significant financial damage and negatively impacting my credit score. To elaborate, these fraudulent items include credit accounts that were not opened by me, as well as charges and loans that I did not initiate or receive. The total amount of these entries is substantial and is causing harm to my credit score. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX OF XXXX XXXX Balance : {$410.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. Despite my efforts to dispute these items with the credit reporting agencies and creditors involved, I have not received a satisfactory resolution. I have provided documentation and evidence of the fraudulent activity, but the items remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NV
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 paid my mortgage off several years ago. Just recently I tried to obtain a HELOC for home improvements. I was denied because my credit shows I was late on several mortgage payments. I found out that the mortgage company didnt know I paid the mortgage off and thought I wasnt paying on the loan. They were in the process of changing mortgage companies. 
I have in the past, over 7 years, been late on that mortgage in order to get a lower rate. I was told to miss the payments and they could refinance if it showed I needed help with my payments. This was during the housing crisis. Stupidly I did that but was told it would never show upon my credit report. Now I owe nothing on this loan. It is paid in full but I can no get any home equity loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In completing the application of buying my 1st home, it was noted that Exeter has reported my account delinquent. Today XX/XX/2023, XXXX XXXXXXXX I called Exeter enquiring about the account being delinquent even though it had been charged off. The representative told me what the amount owed was interest. I told her that the account had been charged off and did not feel that it was correct. After speaking to the first representative, I was transferred to another department where XXXX refused to submit my request to her immediate supervisor. Her statement, " I am not going to submit a settlement offer when he is not going to approve it. " I said to her, '' ... that the other representative was willing to reach out to her immediate supervisor and didn't understand why she wouldn't do the same. '' I believe this is a direct violation of the FDCPA, which prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from me. I am asking for the CFPB to mediate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: MicroBilt / PRBC (formerly CL Verify)
State: MI
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:
Incorrect third party credit reporting

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 2023-10-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX FCUs customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: SANTANDER HOLDINGS USA, INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Traded in a vehicle at XXXX XXXX XXXX got unfair customer service use credit without permission and many times messing up credit and I'll be honest about the loan terms and did not sign paperwork in front of me misspelled the name on the loan company and money was taken out from a credit card and he took down but the loan company did not know or hear about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2022 there was a transaction done on my account that I did not authorize nor did I initiate. It was a personal wire transfer from myself to another persons account with the same bank. The morning that I found out this transaction took place I immediately reached out to chime to try to get them to stop or reverse the transaction. I opened a claim despite. On the third of XXXX, they immediately denied my claim. I replied to Chime and asked them for documentation of the documents use to draw their conclusion. I was told that the forms will be sent to me in the email had no attachment to it. On XXXX XX/XX/2022 I filled a police report against the person listed in the money transfer. The detective reached out to me and told me that he was on the case. I reached out to chime again and made them aware that I did follow police report. I gave them the number of the report and the number to the police detective working on the case. Chimed in again denied my request to put my funds back in my account. I reached out to chime again and asked for copies of the documentation to make a conclusion they sent me a statement saying that the location where the transaction actually take place. They included that my password was not compromise and to conclude that no mistake was made. I wrote a rebuttal stating that the hotel that was the location was at the hotel that my job frequently uses I also said that my password was not compromised because my password was my fingerprint that was compromised because it done while I was sleeping. They still denied my claim. I have run out of opportunities to file a rebuttal and every time I call them nothing happens. I am not a rich person I dont have a Lotta money and {$300.00} means a lot to me because it was around the holiday time. It is over a month later and I still have not been reimbursed the money that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX credit acpt did not send me proof of puchcase

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