BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To whom it may concern I'm sending you this dispute pertaining to my credit report that ALL THREE CREDIT BUREAU ( EXPERIAN, XXXX, and XXXX ) is reporting and have obtained false information about me ( XXXX XXXX ) on my credit report about a Bankruptcy and that i have received full conformation from the United States Bankruptcy court that they do not supply or report any information to any credit agencies and i have a memorandum from the clerk of courts office confirming it.

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 2023-08-23
Company: Affirm Holdings, 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: Old information reappears or never goes away

Complaint:
I have made numerous attempts to have a fraudulent Affirm loan removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both Affirm and XXXX have been unwilling to remove it from my credit history. This fraudulent loan is negatively impacting my credit score. This incident occurred as a result of my phone being stolen, which led to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET theE credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These accounts are inaccurate. These are the items I demanding to be deleted immediately : Invalid inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Late payments Bank of america XX/XX/2021 was reported late this is inaccurate Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 



2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Bank of america XX/XX/2021 was reported late this is inaccurate Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 


False inquires these are invalid. 

XXXX XXXX ( XXXX ) XX/XX/2021 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CT
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 purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I contacted the bureaus and supplied and FTC theft affidavit, a police report and proof of identity. 
The XXXX XXXX credit card wasnt opened by me. 

The bureaus have failed to follow the FCRA 605b in regards to identity theft and are in DIRECT violation of the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor 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 2018-09-26
Company: Sterling Credit Corp.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX   ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. 

Settlement agreement for the amount of {$800.00} made between XXXX   XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. 

Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. 

Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. 

My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXXXXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. 

I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Exeter Finance Corp.
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 Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports 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 RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: IL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process so stop sending me letters saying that this is not me this is me. I sent letters to the Credit Bureaus XXXX XXXX to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE This FOLLOWING account COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX this collection isnt mines yall should be ashmed of yall self from destroying the character of my name now my life is ruined and XXXX depressed I would like to complain about the misleading information in my credit report and I was totally surprised when I saw XXXX XXXX XXXX that has a balance of { XXXX } opened on XX/XX/2021 that is reported on my credit file. I don't have an idea why I got this account on my credit file since I'm not the one who open this account and this is not belong to me. NOT XXXX! I already filed a dispute to each credit bureaus and filed an FTC affidavit please see attached.remove this now i demand u remove it now because yall need to stop playing with my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: PayTomorrow, LLC
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is incorrectly reporting 60 day late payments on credit report. I have never had a 30 day late payment and especially not a 60 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged both cash advance fees and interest on my monthly statement on my XXXX XXXX XXXX Credit Card from Barclays for XXXX transactions. I was never made aware that XXXX purchases were considered cash advances nor was I made aware that cash advances were charged interest even if the account was pain in full before the due date.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They Keep sending me letter a accusing me of credit repair because I know my rights. I have received a computer-generated letter stating that they have ceased investigation of my credit reports because, in there opinion, they believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on there part to XXXX XXXX additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2023-09-20
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX. XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX and XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was notified that my information was breached or leak it appear some inquiries in my 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 explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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, 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 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 2023-09-11
Company: EQUIFAX, INC.
State: CA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was forced to move from XXXX XXXX XXXX due to loss of a major Contract.On the Morning of XXXX XXXX  I discovered that my XXXX was not in the Underground Parking Garage.I had parked my car in the garage during a severe thunder and lightening storm.XXXX  XXXX XXXX does not have XXXX XXXX.I normally park my car at XXXX XXXX which is across the street from XXXX XXXX. 
I am a XXXX XXXX.And I am responsible for Patient Care at several Facilities in the greater XXXX Area.I was unable to locate my car for several hours.And I was forced to cancel a full day of work.Patients ( And their Families ) were forced to cancel their schedule procedures .Most Patients wait months to get scheduled for their procedures. 
I previously paid XXXX XXXX XXXX a {$25.00} fee to park .This was despite the fact that I had to pay to for XXXX charging several times a week.There was no security for vehicles since vehicles were broken into.And there was no monitoring of vehicles in the garage.Numerous vehicles did not have XXXX XXXX Stickers on their windshields.I witnessed vehicles tailgating into the garage on a daily based.Most without XXXX  XXXX vehicle stickers. 
Warfield Hunter a Collection Agency was given personal information ( My Emergency Contact person 's phone number ). 
XXXX XXXX XXXX was given sixty days notice that I would be vacating.The early termination was based upon the above events.All that were extremely harmful to my ability to earn a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT : 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.

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