BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Am a victim of identity theft - i have been contacted by XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( THEY ARE COLLECTING AN ACCOUNT ON BEHALF OF ( CREDIT XXXX BANK, XXXX. ) REF # XXXX - THEY KEEP RESELLING THIS ACCOUNT THE AMOUNT IS {$950.00}. I have been sending in certified letters to XXXX XXXX XXXX XXXX ( CREDIT CONTROL , LLC ) XXXX XXXX XXXX AND XXXX XXXX keep sending me letters advising updated and accurate and NOT INVESTIGATING, i also sent them copies of the police reports NO ACTION TAKEN Requests to Block Unauthorized Charges from my Credit Report under FCRA XXXX. I HAVE NO KNOWLEDGE ABOUT THIS ACCOUNT ( PLEASE FOLLOW THE LAW ) Please provide the following : Agreement with your client that grants your authority to collect on this alleged debt that is not listed as mine. Agreement that bears the SIGNATURE of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency XXXX that this debt was assigned or sold to collector. ( XXXX ) showing IRS info XXXX accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

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 2022-05-25
Company: EQUIFAX, INC.
State: WI
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 Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to a car dealership and i was told they were only going to pull from their in house which was XXXX dealership. But they did not. These listed below were unauthorized. 
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 2022-11-14
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:
I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct it ASAP! 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Report Act XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 2022-07-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My credit card is opened by fraudulent. 
Please remove credit hard inquiries and account on my credit reports. 
Company : Comenity Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: CA
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:
This was the remaining items that I need to DELETE from my credit reports. Yet none, of the credit bureaus do the job well. And I was hoping that they will remove them like the way they did with my previous first request, however, they didn't and I am trluy hoping that the XXXX will REMOVE this account the way the bureau did, but no. Now, I'll sincerely ask the Credit Bureaus to once more please help me in removing FRAUDULENT ITEMS from my credit reports. Please see the items below : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: LEXISNEXIS
State: PA
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:
Thank you for responding to compliant # XXXX and your file # XXXX and XXXX. I have attached documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving copies of my credit reports I found this debt from XXXX. Other names included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The collection agency name was Jefferson Capital Systems. I have sent debt validation letters to multiple addresses and have gotten no validation. XXXX sends me letters back stating they sold my debt to Jefferson Capital Systems, Jefferson Capital Systems claims they can not validate and will close my account and stop trying to collect the debt. I do not recall ever getting a XXXX account or approving these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2023-05-08
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD 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 2023-06-26
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a lady from IQ data international call my Extention at work she identified XXXX XXXX her self as a debt collector. She started off very rude. I told her to not call my job she told me I dont have the right to tell her that. I said I do. Then 2 days later she called back impersonating my mother who has been dead since 2011. Just to get me on the phone. I had already told her not to call my work and she did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: EQUIFAX, INC.
State: VA
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:
Claims I owe money but will not provide any documentation that supports this claim. Updates my credit report with negative information and will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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:
I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the XXXX XXXX XXXX in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions 100s of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given XXXX XXXX, Experian, XXXX, XXXX XXXX or any other business permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.

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 2022-05-25
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Action Collection Agencies, 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: Account information incorrect

Complaint:
Idaho XXXX XXXX XXXX along side Action Collections, XXXX, XXXX and XXXX are all actively reporting incorrect information regarding a balance on an account. The balance is for {$6800.00}. This balance was paid in full, and has been for years. This needs to be removed, immediately, from my credit. This letter also serves as a letter of demand with intent to sue in accordance with the FCRA section 605. The aforementioned agencies will be receiving formal summons to appear in a civil court for violating the FCRA, FDCRA and consumer finance laws in accordance with state and federal guidelines. As such, the State Attorney Generals office and Department XXXX XXXX, along side state licensing board will receive complaints of illegal debt collection and reporting. You have until XX/XX/XXXX to comply with this lawful request for deletion of illegal debt reporting, no further communication will be sent, if this is not removed by the aforementioned date this will be seen in court for the before listed companies involved. 


SECOND REQUEST FOR DELETION AND REMOVAL : FIRST REQUEST SUBMITTED XX/XX/2022 CFPB ID NUMBER XXXX I will take this as willful and malicious intent to not resolve this matter amicably. The information provided would allow you to view and verify the information that I had provided with the credit bureaus and your reports. In case you are just XXXX, it is under XXXX XXXX, my maiden name, which you already know given the information provided before. You have until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Affirm Holdings, Inc
State: GA
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and XXXX did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still didn't receive anything. 

The following accounts are the ones being referenced for the above-stated issue. 

XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX 
Acct # : XXXX XXXX  XXXX has also already sent me a letter ( Attached ) stating I am not responsible for the debt referenced above, yet neither XXXX nor XXXX want to comply with this information I've submitted ( along with the required identity verification documents ) NUMEROUS times. I do not understand why I am having to repeatedly battle an account I keep proving time and time again does not belong to me and is the direct result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: WELLS FARGO & COMPANY
State: CT
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:
In accordance with the fair credit Reporting Act, WELLS FARGO DEALER SVC Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer cant furnish my account without written consent. 

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

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: Genesis FS Card Services, Inc.
State: CT
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:
In accordance with the fair credit Reporting Act, XXXX XXXX XXXX XXXX Account # 519570 & CB INDIGO/GF Account # 510004 has violated my rights.

15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer cant furnish my account without written consent.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have retained an international attorney to represent me regarding the resolution of my parent 's estate. As he is not located in the US, he provided to me his information and requested that the payment be submitted via moneygram. I scheduled a payment of {$1400.00} usd with a transaction fee of XXXX the payment reflected that it successfully processed but when I attempted to sign back into moneygram to obtain the reference number I found that my username and password would no longer work. I contacted Moneygram and was advised that they flagged the transaction as suspicious and revoked my privileges and suspended my account indefinitely. I have used moneygram as a faithful customer for years as most of my family reside in the XXXX. There was no detailed information as to why my account was suspended.

Company response to consumer: Closed with explanation