BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX continues to report inaccurate information on my credit report that is harmful without providing legal proof of the debt. I have disputed 2 credit cards multiple times on my report that I am not legally responsible for. I have asked XXXX repeatedly for the documentation they received to confirm these accounts are mine. I have also asked both the companies and XXXX to provided me with a copy of the legal contract for each credit card and neither have done so. These accounts should be removed immediately as they are harmful and the companies can not provide a legal binding contract that I signed confirming the accounts are mine. The accounts are : XXXX XXXX Barclays

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$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 non-monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2023-05-19
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 hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my XX/XX/XXXXaspirations. As a dedicated and driven XX/XX/XXXX, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX  XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my XX/XX/XXXXendeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my XX/XX/XXXXjourney. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$19000.00} Consider this as my follow-up complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Global Lending Services LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Customer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, MI and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : Misappropriation of Settlement Funds by Global Lending Services LLC and XXXX debited my personal XXXX XXXX XXXXXXXX XXXX XXXX checking account without my permission did not applied monies to car loan principle/balance. 

I, XXXX XXXX XXXX XX/XX/XXXX received Settlement Offer by XXXX XXXX XXXX {$15000.00} accepted by Global Lending Services LLC Settlement agreement on XX/XX/XXXX. 

Global Lending Services LLC unauthorized ( did not have permission ) debited my, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account removing {$12.00}, XXXX of monies that I received as a settlement offer from XXXX XXXX XXXX for the Totalled Loss car, but did not applied monies to principle/balance. 

Global Lending Services LLC did not applied unauthroized debited monies of {$12.00}, XXXX to principle balance owed on Totalled Loss Car, neither did not applied to payment balance either. 

Global Lending Services LLC did not applied GAP and Warranty coverage is bundled into loan amount at dealership signing of GLS paperwork signing. 

Global Lending Services LLC and XXXX XXXX XXXX refused to release this totalled Car I did request to be towed to my personal residence at XXXX XXXX XXXX XXXX MI XXXX. Global Lending Services LLC said No, told me that after the XXXX Adjuster goes to do his investigation and determines the car totalled loss whatever the SELLING PRICE or JUNK PARTS will be deducted at the end from the balance owed on the totaled car loss balance this never happened either. 

I need your help with justice, I am being threatened with Wage garnishment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX for balance of Totalled Loss Car {$21.00}, XXXX, Please help me clear this matter up my credit is being affected by these oversights. I owe ZERO balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Transunion soliciting my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: National Collection Systems, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2018 my Indiana Income tax refund was offset and sent to XXXX XXXX. I called XXXX XXXX via the toll free number provided by the Indiana Department of Revenue, at which time I requested in writing and by phone a detailed breakdown of all charges as well as credits. XXXX XXXX has failed to send any documentation supporting the debt. I am aware of two grants the college has received on my behalf, yet no explanation has been provided detailing how these monies have been applied toward the debt they alleged I owe. 
In addition to this, I have had to dispute the amounts for which they are claiming I owe as the letter I received claims one amount and the email I received says another, while my credit report claims two times the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Greeting Team, LLC DBA Customer Care Global
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Tribal loans were signed up for online using my information. I have since closed my accounts and changed credit card numbers. I have been notified the debts are being collected by Customer Care Global XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX The company was notified via email on XX/XX/XXXX 
The fraudulent deposits into my account were made by a shady group of online tribal lenders. 

The websites were XXXX XXXX and XXXX XXXX 

I am unaware of how my information was obtained. I have also received threats from other companies in this group of loan affiliated companies alleging loans taken out years ago that never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: CT
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: World Acceptance Corporation
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: Account status incorrect

Complaint:
I have called multiple times about the way the account is reporting. They are reporting it as a new charge off every month and the balance increases every month also they report every month. If it isna charge off it should be a charge off not a new account every month. This is wrong and has harmed my credit every month they need to remove this account or fix it to where ot reports as charged off when it was charged off not a new charge off every month. 
I callee corporate they said it is the Store that does the reporting XXXX at the store said no it is corporate that does the reporting. Come on this is a pretty large company get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX finance has violated my rights. 
XXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without written consent.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 2018-03-01
Company: EQUIFAX, INC.
State: WA
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:
XXXX, XXXX and Equifax are all lowering consumers credit scores, so the interest rates can be raised and we are charged more. They are allowing lenders to report false and inaccurate information on our credit reports so they can cash in on it. This corruption needs to stop. I have been building a case against them for a year now and have documented 10 failed attempts with the CFPB failure to comply and get the job done. So it is now time to sue all three Corrupt credit reporting companies in order to stop the fraudulent activity on my report. The are breaking Federal Law by lowering consumers scores, so they get paid by the lenders to make sure our scores stay  low, so they can charge high interest rates. This is their way of getting around paying government fines and maximizing their profits. THINK ABOUT IT! XXXX XXXX in revenue. Where is all this money coming from? The financial institutions are paying XXXX, Equifax and XXXX to do this. Why do you think Equifax had the breach. Because I know who is doing it. AND WE ARE GOING TO EXPOSE YOU AND YOUR CORRUPTION> I cant wait until I cash my first settlement check from you tyrants

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$880.00} ; XXXX XXXXXXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance XXXX {$280.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$8500.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: TN
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 the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( 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 anteaters 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 innacurate.

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 2023-07-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This account was issued a letter to the bank in charge to please remove this information from my report since it shares inaccurate data in all credit agencies, among other series of errors. 

Some credit agencies have already deleted the information but there are others that have not yet deleted it and it continues to negatively affect my credit report.

Company response to consumer: Closed with explanation