BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  GA XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have made several requests via mail disputes for EXPERIAN to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my EXPERIAN credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. Milestone should be deleted as there are inaccuracies in payment history being reported. XXXX  XXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify EXPERIAN with the letter to update my account but they have yet to fix it. There are several inaccuracies with an account called XXXX XXXX being reported on my credit file, including past due amount being reported on a collection account. This is a violation and I want this account deleted immediately. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX Update account Credit XXXX Delete account 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 explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: ALLY FINANCIAL INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All debts have been discharged with 1099c form, company has committed fraud by release of Incorrect account and personal information adversely affecting credit reports. accounts should reflect a status of " paid in full '' or be removed completely from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, DPT EDXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have any idea regarding these fraudulent accounts on my credit report. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
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: Public record information inaccurate

Complaint:
Hello My XXXX XXXX was discharge in bankruptcy XXXX XXXX. The account on my Equifax report is reporting in XXXX as closed and miss payment and is not showing discharge in bankruptcy. I do not understand Equifax reporting as they continue to report incorrect information on my credit report. In XXXX of XXXX they were were reporting the XXXX account in bankruptcy and now in XXXX it is not reporting in bankruptcy. Equifax has caused me great harm. Once a account has been discharge in bankruptcy Equifax and the creditor must report the account as included in bk discharge and reporting as miss payments and delinquents. Please tell them to report my XXXX account as discharge in bankruptcy XXXX XXXX account number XXXX. I have contacted XXXX and they say they are reporting it to Equifax as discharge in bankruptcy. Equifax must have big errors on there system as they cant update consumers accounts accurately. I have attached the Equifax report showing in XXXX the XXXX account was discharge in XX/XX/XXXX and the mistake started in XXXX and XXXX were Equifax is reporting the account as missed payments and not included in bankruptcy how does a credit report g agency make this mistake. Please update my account correctly to reflect discharge in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: AR
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2019-11-22
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:
XX/XX/2014 {$25000.00} No action/ try to contact the company for further investigation nothing was done

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 2023-08-29
Company: EQUIFAX, INC.
State: FL
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX the XXXX XXXX I received an email from payroll notifying me my wages were being garnished! To my surprise I didn't know a judgement had been entered against me from XXXX! Never received any summons, or any other documents from courts or this firm so I could properly defend myself, not only did I discover these people serviced the incorrect address they also let me know this account is from XXXX, which is charged off! How could they look up my employer but not bother to verify my address!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: FL
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:
XXXX is reporting invalidated information about me, XXXX has never responded to any debt validation request and has never proven to have loaned consumer any money. XXXX has not provided a full account number nor any lawful binding conspicuous contract between consumer and XXXX XXXX. Monthly statements which are in the positive does not prove a debt exist. XXXX is reporting this invalidated negative information just because XXXX XXXX and their debt collection law firm are claiming the debt exist but have never responded to any of my debt validation request which is proof of XXXX XXXX unwillingness to validate. This is all truth and fact as XXXX XXXX  has no proof of any information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: AR
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Pendleton Capital Management
State: MO
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:
Agent divulged personal details about an alleged debt to my brother, a third party who is not a signer on the account nor involved in any way. Information about the alleged debt should not have been given out as the uninvolved third party now has knowledge and information about the alleged debt. Agent threatened legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Navient Solutions, LLC.
State: NY
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 regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have made several requests via mail disputes for TransUnion to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my TransUnion credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. Milestone should be deleted as there are inaccuracies in payment history being reported. XXXX XXXXXXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify TransUnion with the letter to update my account but they have yet to fix it. There are several inaccuracies with an account called XXXX XXXX being reported on my credit file, including past due amount being reported on a collection account. This is a violation and I want this account deleted immediately. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX Update account XXXX XXXXXXXX Delete XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TX
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: FL
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 XXXX  XXXX Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account XXXX : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights 15 U.S.C 1681 Section 602A I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
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 XXXX 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 XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXXXXXX 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 2022-05-04
Company: EQUIFAX, 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:
In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and XXXX XXXX  # XXXX XXXX. XXXX. XXXX XXXX XXXX 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 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 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 explanation
Consumer complaint received 2023-08-28
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Around XX/XX/2022 I was making a purchase online at Victoria Secreta and a credit card was offered to me. The purchase was charged to the credit card and I payed only after I got and SMS informed me that, but never got any details about the account. I never got the credit card or any bank statements. After a few months I was informed that I owe Comunity bank some amount for the credit card ( fees ) and pay in full and ask for the account to be closed. But after 2 months or so I got an other call from Comunity bank saying that I owed more money for the credit card I already calcel.

Now is affecting my credit score and I still don't get any information so I can pay the amount they say I owe for a credit card I never get or use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding XXXX XXXX and Portfolio Recovery Associates that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, XXXX continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with XXXX XXXX or Portfolio Recovery Associates in my name. The failure of XXXX to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by XXXX did not require XXXX XXXX nor Portfolio Recovery Associates to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Bank and the credit report agencies are INACCURATELY REPORTING the following account : XXXX # XXXX XXXX XXXX XXXX XXXX, OH XXXX, they have not conducted any investigation on this matter and claim it belongs to me without giving any proof of that, because it does not belong to me. I have sent several request to resolve this to the Bank and the credit bureaus but they are still reporting the account as mine and hurting my credit and creating emotional distress because that situation because Negligent actions. I want to see this IMMEDIATELY DELETED FROM MY CREDIT REPORTS

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