BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
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: Reporting company used your report improperly

Complaint:
Update my personal info, delete the accounts violating the FCRA and delete all the inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX ( XXXX XXXX ), Account # XXXX ( redacted ) and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( redacted ), 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX reported a late payment on my account for XX/XX/XXXX and XXXX XXXX reported a late payment for XX/XX/XXXX. Beyond the violation of my rights, I have paid the accounts in full shortly after. These lenders, among others are still asking for my business so I must still be considered trustworthy. No harm no foul. The violation of my rights have injured my credit and myself as a person and I want these late payments removed from all credit reporting agencies, including but not limited to ( XXXX, Equifax, XXXX ) or further action with the XXXX, attorney general and others may be applicable under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: NM
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:
I have sent in a request to Equifax and XXXX to update my address, as I had to recently move. I have done this for XXXX months, with no change or acknowledgement from Equifax or XXXX. I have tried calling the credit bureaus and have been told that they can't authenticate me because my driver 's license address does not match the address they have on file for me. I updated my driver 's license so it shows my current address, not my old address, which I am trying to update. 

I just want my address updated. I have sent the documents Equifax and XXXX requires for XXXX straight months. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: NCC Business Services, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2017 my attorneys submitted a dispute of this debt on my behalf. At which time NCC Business Services was reporting this debt to XXXX. NCC was not able to validate the debt owed, so the account was deleted. NCC are currently reporting this debt to XXXX and XXXX despite the fact that they can not validate. 
They are in violation of the FCRA. As they continue to report an invalidated debt to the remaining agencies, when they requested the debt be removed from one.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX .... Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3500.00} ; XXXX XXXX XXXX  XXXX Balance : {$87.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$45000.00} XXXX XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-06-07
Company: EQUIFAX, INC.
State: MD
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 would like to reference this complaint ( XXXX ) where is is also an addendum to the same problem previously put in a complaint here. It involves a previous mortgage servicer that our loan transferred from back on XX/XX/XXXX. ON that same date the report had become Closed and Current that also had some missed payment history in it. Soon after the transfer the closed account had had a many changes taking place. And when we asked both credit bureau and proving company about the changes, they both kept saying a Closed account should not have on going changes constantly being made to it, that is what is meant by being Closed. This problem has been ongoing and with my many screen captures of what is being changed and ongoing reports from others who monitor your credit report, back in XXXX I put a bunch of shots together and sent them to the provider our our CLOSED mortgage account. And I also posted the complaint her on the CFPB and got very favorable response from the provider of our Closed account. the also sent me an signed letter, and it they say they sent to all four credit bureaus to Delete their closed credit report of our account. It clearly stated my wife and my name, yet as with other things they said the sent to the credit bureaus, no action was taking, so I contacted one directly that responded that in internal investigation prove the account should be removed, and they di just that and then notified me. I then came back and opened a complaint for the other and main credit bureaus, that soon after also remove the accounts, but only for my name. Looking at wife file, only two had took the same action, with there still being the Closed account that the provider had requested be deteted, still showing. I then opened another complaint and soon after saw the now only one account still remains. So in another and recent complaint ( above ) it mentions an answer from them by mail, that indicated that the account was not showing from an investigation. That was true for my account, but not for my wife 's account where it is still to this day showing. Ok, so there I should maybe have been clearer, but for those who are helping us with that, the letter provided nothing. And they want me to post one last complaint here asking that the Closed account that was Closed on XX/XX/XXXX finally be deleted. The original request was sent for XX/XX/XXXX. At present this is only a problem with Equifax, with the question asked to me was the letter I sent concerning this had clearly indicated to delete the account for bot name and my wife 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NJ
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 for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2020-11-08
Company: EQUIFAX, INC.
State: AL
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 XX/XX/2020 I am filing a compliant with the CFPB because I haven't been able to get any type of response from the credit bureaus. They are not responding to any of my letters and that is a violation of my rights according to the FCRA. I am very stressed and don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Southwest Credit Systems, L.P.
State: AL
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 filed a dispute in regard to the incorrect items on my credit reports, it has been well over 30 days and still haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Starting on XX/XX/2020 i've been sending disputes letters regarding Inaccurate and Unverifiable information on my credit report to the credit bureaus that they're refusing to send proof of documentation of my signed signatures on any application or contracts regarding my credit file. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

Equifax : 1. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
Account Number : XXXX Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I received a mail notification of " Final Request For Overdrawn Payment '' from Citizens Bank XXXX Citizens Bank, N.A. ). The amount overdrawn per the letter is {$45.00}. The letter included the correct home address and correct name spelling. It also included the final 4 numbers of the bank account.

I do not have and never had a Citizens bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
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: Investigation took more than 30 days

Complaint:
I am a victim of credit card fraud and identity theft. I submitted my complaint to Equifax fraud department on XX/XX/XXXX alone with a verified police report of the theft. I also discovered that I bacame a victim of identity theft during the Equifax Breach in XX/XX/XXXX after not receiving my social security XXXX deposit. My credit has been affected negatively lowered credit score by 200 points therefore affecting my personal and business credit making it difficult to achieve government contracts. I am XXXX  % service connected XXXX veteran in college full time and am in need of help with this issue. I resubmitted my information to Equifax fraud department again in XX/XX/XXXX, and still have not gotten any response. Thank you in advance. Please give me the benefit of the doubt that may arise in your decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid to Zales Commenity Bank and the company refused to drop the debt. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, amount XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX amount 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 2022-12-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX ... XXXX Balance : {$0.00} ; XXXX  XXXX .... Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$87.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance XXXX {$45000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC, for committing identity theft. I have never given LVNV Funding LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with LVNV Funding, LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving LVNV Funding, LLC any right to collect on this alleged debt. 
I have never received any documentation requesting validation from LVNV Funding, LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding, LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief