BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: NCC Business Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was notified by XXXX  on XX/XX/18 regarding an alleged debt being reported on my credit report from NCC Business Services. I have reason to believe I do not owe this debt because I was never notified by the original creditor or collections agency. 

I called to NCC Business Services on XX/XX/18 and spoke with XXXX XXXX who verified my name and date of birth. I also notified her when asked to verify my address that she had the incorrect address. However that I'd like to clarify that I am not acknowledging or accepting that I owe this debt. In turn I asked if her company was licensed to collect said debt in my state. In turn she responded that it was public record. I asked for the company 's license number and she refused. I then asked for a supervisor ; I spoke with XXXX XXXX who in turn would not grant my request. After a debate I paid the alleged debt. Only to find out that NCC Business Services is not licensed in Virginia to do business. Scc ID : XXXX has been revoked. 

No documentation showing that I am responsible for this debt, or a copy of any judgment ; was ever received. No documentation showing that they are licensed to collect debts in Virginia. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been having multiple issues with equifax. I was finally able to verify my identity and now they say I have no credit score. I need to attach my XXXX XXXX credit card account and XXXX credit card account to equifax so they can see I have credit. I just dont know how or who to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: KY
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 XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX Last four SSN # XXXX RE : XXXX XXXX Acct # XXXX Equifax are you exercising your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In my dispute, I specifically requested that you conduct a reinvestigation into the accuracy of the below item, as provided under the FCRA. You have failed to do so. My consumer report is still containing false and defamatory information, and that you refused either to correct or delete the information in my consumer file after I notified you of the inaccuracy. You can't merely parrot the furnisher information.Your agency 's failure to conduct a proper reinvestigation and your reliance solely on the furnisher 's information not only puts you in violation of the FCRA but also subjects me to potential financial harm and distress, as inaccurate credit reporting can affect my creditworthiness and financial opportunities. 
1. Delete this inaccurate account because paid on time in XX/XX/XXXX and I also included my bank statement as proof in my reinvestigation the first time that I paid it on time. I am also including the reinvestigation again Confirmation # XXXX : see attached documents. Proof of a proper reinvestigation was done and no change was made to circle and highlighted XX/XX/XXXX paid on time. Section 611 ( a ) ( 1 ) of the FCRA clearly states that " A consumer reporting agency shall ... conduct a reinvestigation ... of the disputed information. '' This reinvestigation must be conducted in a manner that is fair and reasonable to ensure the accuracy of the information reported. Additionally, Section 611 ( a ) ( 5 ) ( A ) of the FCRA mandates that if the information is found to be inaccurate or incomplete, the consumer reporting agency must promptly correct or delete the information. Failing to do so further compounds the violation of the law. Therefore, I am formally requesting that your agency reopens my dispute and performs a full and diligent investigation into the accuracy of the disputed items, as required by the FCRA. I also demand that any inaccuracies found during this reinvestigation be promptly corrected or deleted from my credit report, in accordance with the provisions of the FCRA. All CFPB complaints maybe used as legal evidence. Regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Greetings, at the end of my current lease of a XXXX XXXX from XXXX XXXX in XXXX, MD, instead of opting to purchase a new car and therefore a new lease. I opted to keep my current vehicle. On that day XX/XX/2022, hard credit pulls were taken from the following entities : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX All of these hard pull credit inquiries were made on the same day, from the same location for the same purpose. Instead of having 5 or 6 hard pull inquiries, it should be considered as just 1 credit inquiry, because they all pertain to the same vehicle on the same day. I had no idea that the dealership was shopping around with my credit report, for a car I already was leasing and making timely payments on for 3 years. Each one of these will remain on my credit report for 2 years. It gives the impression that I was shopping around. Again, these inquiries should be consolidated into one maybe two inquires and not 5 or 6 hard pulls from the same transaction, on the same day, at the same dealership. I was always under the impression, that if inquiries were made within the same time period ( Day ), they would only count as 1 hard pull. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, 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 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 explanation
Consumer complaint received 2019-11-21
Company: Client Services, Inc.
State: IA
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:
The company Client Services reached out to a minimum of two contacts, who I am not related to, and disclosed that the purpose is to collect a debt on XX/XX/XXXX and XXXX, 2019. I have not heard of others that they may have contacted yet with my personal information. I have not received any attempt to contact or verify the debt through my phone, mail, or email. I did reach out to the company requesting they stop contacting others with my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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:
On XXXX, 2021 I have been submitting letters to the credit bureau, because I have some information that is on my credit file that is not correct. I have sent in information to them telling them. I have proof that these accounts that is reporting negative is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-06-28
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Saturday XX/XX/2023 I received a welcome email regarding an account opening from Chime CEO XXXX XXXX. I responded to XXXX that I did not open this account and was just recently a victim of identity theft. Complaint one is that XXXX ' email is a no-reply email. Don't welcome me and not allow me the opportunity to respond back. 
I was able use the chat feature to report the fraud. Unfortunately the inexperienced staff only closed the savings account and not the associated checking account which brings me to complaint two. You, XXXX XXXX and Chime need to be diligent when receiving a fraud complaint. Speaking of utilizing due diligence, complaint three surrounds the opening of the accounts since it was done fraudulently. XXXX XXXX and Chime did not use the proper due diligence for account opening. The address provided by the fraudster did not match my address I've had for 27 years. That is red flag 101.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 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 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 2023-05-03
Company: EQUIFAX, INC.
State: OK
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 /olated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may me281any consumer report containing any of the following items of information Any other adverse Item of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C 1691s-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 information in inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was purchasing airline tickets through the Delta XXXX website and there was a promotion for Delta SkyMiles credit card, I called an talked to an American Express agent and he signed me up for the skymiles card and charged me {$190.00} dollars, he was very hard to understand. Terms required that I spend {$3000.00} on the card within 90 days and I would receive XXXX bonus miles. I did spend the {$3000.00} in 30 days, including the {$190.00} service fees. When I called American Express on XX/XX/XXXX they explained that I did not reach the XXXX dollar amount because they do not include the service charge as part of the XXXX dollars. I explained to them that the adviser never explained this to me and they should make an exception. American Express said they would send this to their complaint department and I would receive a written response in 8 weeks, which I never received. I called on XX/XX/XXXX and they gave me the same response and now they are not responding in writing. Then the American Express adviser said he couldn't hear me and disconnected the call, even though I was calling from a land line. American Express has very deceptive in their practice and I feel they are taking advantage of senior citizens. I would like my XXXX bonus miles or my {$190.00} back. They should also respond me in writing as they said they would. American Express advisers are very deceptive and just hang up on you. I was very polite on the phone and they still hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00}.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: AL
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 is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$2900.00}

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 explanation
Consumer complaint received 2022-05-04
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: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$360000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 I made a transaction for a local dumpster company to be shipped, but the order couldn't be fulfilled and I requested a refund on XX/XX/XXXX. 

Because I noticed that the refund did not reflect on my account yet, on XX/XX/2022 I called Aspire at XXXXXXXX XXXX  XXXX XXXX and I was told that the refund is on the account as a credit but was not applied yet. ( This conversation is recorded ) After the entire month of XXXX, nothing still wasn't applied. So today XX/XX/2022 I reviewed all the statements and transactions for XXXX and XXXX to double-check to see if the refund was applied before I called Aspire again and it was not found. 

I call Aspire on XX/XX/XXXX, and they told me that the credit was applied on XX/XX/2022. 

How is that possible if on XXXX the XXXX the employee told me on XX/XX/2022 that it was not applied yet? 

The employee also went on to tell me " maybe because I had a lot of transactions that I was unable to notice the refund ''. 

I check my balance every time before I spend, so I would have noticed if {$340.00} was put back on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: OpenRoad Lending
State: AZ
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 applied for and was declined by Open Road LLC to refinance my vehicle on or about XX/XX/2020 and I received legal notice in the mail I was declined. 
Then I received a call from a XXXX at XXXX XXXX XXXX on XX/XX/2020 @ XXXX XXXX XXXX & XXXX XXXX XXXX stating they received a request to refinance ( which I did NOT submit to them-Open Road did ) and that they needed more info " So we can submit it to our large network of lenders ''. I did not return the call as I had already secured a refinance with a credit union. Then on XX/XX/2020 I received notice from XXXX  that XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX  Ny ( XXXX XXXX XXXX ) had pulled my credit WITHOUT my authorization. I immediatly called XXXX XXXX XXXX on a hunch and the woman I spoke with today XX/XX/2020 confirmed yes they had give permission to their banks to pull my credit, even though I had NEVER consented to this! I advised do NOT pull anymore credit and pull my application, I do not need their services. I am shocked that someone, especially a refinance broker like XXXX XXXX  would give my sensitive information to their banks to pull my credit with NO permission from me, the consumer. I am also not happy with Open Road LLC selling my sensitive information after declining me as this could lead to fraud. I read the Open Road disclosures which only stated the loan may be provided through them OR their affiliates, not that they would pass my sensitive information on to other 3rd party companies AFTER Open Road LLC declined me!. This is all shady. I want the inquiry removed from my credit and all my information removed from Open Road and ALL of their affiliates files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation