BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over XXXX before it was repossessed in XX/XX/XXXX and hit my credit just XXXX  months shy of the turn in date in XXXX. I requested all original documents from XXXX XXXX and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$200000.00}, XXXX XXXX XXXX Balance Owed : {$350000.00}, XXXX XXXX XXXX Balance Owed : {$9800.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00}, XXXXXXXX XXXX XXXX Balance Owed : {$1300.00}, DPT EDXXXX XXXX Balance Owed XXXX {$120000.00}, XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX back to back calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX left messages with each call XXXX XXXX calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX left messages with each call XXXX XXXX calls from telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; left messages with each call Calls are often from the same person who tries to disguise their voice by faking a XXXX XXXX  or will become more terse in subsequent messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2022-10-25
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: Credit inquiries on your report that you don't recognize

Complaint:
Good evening! 

I have noticed unauthorized inquiries on my report that i don't recognize or someone applied in my name. 
According do the FCRA Fair Credit reporting Act, Legally these unverified and unauthorized inquiries have to be removed ASAP. 

Their are inquiries on here where I was not approved for the credit, loan or etc. These inquiries need to be removed as it has dropped my credit score. 
i know that you all are familiar with 15USC 1681C block of information clause correct? I know my rights and I know XXXX XXXX  and equifax aren't real Bureaus. I know the law, and i will not hesitate to take these 3 creditors to court for unauthorized inquiries, lates payments, discrimination, etc Listed below are inquiries that are unauthorized and need to be removed asap!!! 
XXXX twice : XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : Equifax and XXXX XXXX XXXX twice : Equifax XXXX XXXX XX/XX/2022 : XXXX XXXX XXXX : XXXX XXXX twice : XXXX and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  : XXXX Because of these, i had to end up freezing my credit!! 

I refuse as a consumer to hold back anymore. I deserve to be treated fairly, and that is what will be happening going forward. I refuse to let the mistakes of these creditors hold me back any longer! 

I also will be forwarding 2 more letters as well as filing a complaint to the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Capital One XXXX XXXX XXXX or Successors XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC Capital One Customer Advocacy Office XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Is still Reporting fraud accounts on All 3 credit bureaus XXXX, XXXX & XXXX XXXX . 
Capital One is violating my rights & breaking the law. They have not followed the law providing any legal proof of these false accounts in 30 days & its been XXXX  months & consistently break the law by not removing them. Capital One uses their corporate Billion dollar company status as a bully, instead doing the right thing & helping a victim of ID Theft! The fraud they continue to report is causing me & my family stress & hurting my future credit goals. I WILL NOT STOP UNTIL I GET JUSTICE! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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 tried with XXXX XXXX on multiple occasions to have to validate and remove debts that do not and are not ever associated with me. I asked them how they can keep allowing these things to be reported when they dont belong to me, never been in any address Ive ever lived at. They continue to tell me why you have to contact the creditor. In other words, they are not properly verifying collections accounts they are placing on peoples credit. Not only that I sent to dispute letter and their response was they dont believe it came for me so theyre not going to investigate

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 2023-07-06
Company: EQUIFAX, INC.
State: MD
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: OR
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 numbers listed below 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : 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 These entries are inquiries that were not approved and i did not give my consent 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 2020-07-16
Company: Midwest Recovery Systems
State: TX
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:
After reviewing personal credit reports I noticed a collection account has been recently added and is very damaging. I have never received anything in writing from Midwest Recovery Systems, LLC about a debt of {$3100.00}. I do not have any new outstanding debts. I have recently sent a letter inquiring and awaiting a response from Midwest. 
I would very much like to make a complaint against this company for their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 submitted disputes on XXXX XXXX XXXX with XXXX, Transunion, and XXXX. They refused to investigate, did not complete a proper or timely investigation, did not provide me with results, or verification. I want these accounts immediately removed or I will seek legal action against all 3 credit bureaus.

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 2022-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX CFPB, Equifax is reporting an account XXXX XXXX ending in XXXX past its legal statute of limitations. The account had a date of first delinquency of XX/XX/XXXX up until XX/XX/XXXX. In XX/XX/XXXX the account was removed and reinserted on my file with a different date of first delinquency of XX/XX/XXXX. Therefore prolonging the reporting of the account by an additionaXXXX XXXX months. The date of first delinquency is set in Stone can not be changed. The account is over XXXX XXXX XXXX past its first delinquency. I have attached documentation of how it was reporting and how it is reporting now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CL Holdings LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I received a text alert informing me of a collection account in the amount of {$380.00} that appeared on my credit report. Upon viewing my credit report, Jefferson Capital Systems reported a delinquent account for XXXX XXXX. 

I NEVER received a letter from Jefferson Capital Systems nor have I received any telephone calls regarding this account. 

My mobile phone carrier has been XXXX XXXX for over three years. I have never received any communication from XXXX XXXX and I've had the same mailing address for over 12 years. 

I have Informed Delivery from the USPS.com and I am happy to provide records of my mail that has been delivered. There has been absolutely nothing from XXXX XXXX or Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had tried to open an account on coinbase over 2 years ago ( approx XX/XX/2020 ) over the XXXX holiday. I spent many days trying to " sign up ''. In summary, I was completely frustrated and never got any support whatsoever. I went through the steps ( Pictures from my phone etc ) to authenticate myself multiple times and I believe I have {$50.00} in a wallet. There was never a reply from support, no way to get to the wallet ; no reply from Coinbase other than emails describing an attempt to log in and it never happens ( never any success ). There is no need for this type of treatment as a customer and WHY am I receiving more emails from Coinbase just to frustrate me further? I have filed a complaint with XXXX but it shows they have an " XXXX '' grade so not expecting any follow-up there. The person at XXXX  XXXX XXXX : XXXX XXXX Dispute Resolution XXXX XXXX XXXXerving the XXXX XXXX XXXX XXXX and Northern Coastal California XXXX XXXX referred me to file a complaint with you. 

XXXX, I've sent multiple letters to the CEO without any reply. I mailed the letters from mail-a-letter.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: MI
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 have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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:
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 15 U.S.C 1681 section 602.A I have rights to privacy.

15 U.S.C 1681 section 604.Ait also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I tried to contact credit bureaus XXXX XXXX, XXXX ) to have them remove this paid debt from my credit report and it still remains. I contacted the debtor but was told they can not remove from my credit. I feel it I paid for this debt in full is should be removed with no problems. I have reached out to all credit bureaus and they wont budge.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are 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 block/remove these files. 
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 2019-04-24
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving 6+ collection calls a day from Barclays . I did make a payment earlier this month and it stopped for a short time but a few days ago they started up again. Calls are happening anywhere from XXXX XXXX  to XXXX XXXX 7 days a week. From mid XX/XX/XXXX until early XX/XX/XXXXI logged almost 200 phone calls from them. No voicemails are left just repeated calls all day long.

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: IA
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 have several inquirys that are not mine, I only approved XXXX finance, XXXX XXXX XXXX and XXXX XXXX XXXX. & the places I have cards or accounts thru, I have places like ally, XXXX XXXX  and gXXXX XXXX  services just a bunch I dont know why they received my information. I was told my credit equivalent to contact you guys. 

Theres even a collection for XXXX $ on each bereau that was paid to original creditor for {$93.00} directly to XXXX was told it would be removed still not removed from XXXX XXXX or XXXX. 


There is a collection on XXXX for XXXX, that never once was I notified and I cant reach the people by phone I call press 2 and the phone hands up.

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