BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter of collections from NCS two years after I moved out of an apartment. I did sign the lease for the year in question, however, never received any notice of anything as i had left and my ex stayed in the house. Upon this notice I proceeded to request via call on XX/XX/XXXX of XXXX  a validation of the debt as I never received notice and had no knowledge of what the debt was. I proceeded to send a letter as well to come to a common ground. On XXXX XXXX XXXX I received a breakdown of charges all addressed to the primary lease holder and not myself, which only validated XXXX of the XXXX they are trying to collect on. On XX/XX/XXXX of XXXX  I received a return call from NCS on which I proceeded to inform them I only received 2 pages of the original contract and only see about XXXX of validated charges. I requested the full lease and for them to validate the other charges. XXXX ( the rep ) proceeded to ask me to leave a voicemail for his XXXX in which he would call me back. With no response, I then received a letter in the mail on XX/XX/XXXX of 2023, informing me that due to lack of contact they will be reporting me unless I reach back out. I feel this is incomplete validation of debt. We are going on almost 2 months of not being able to provide me with full validation of the debt. I also feel that I am being threatened during this dispute as I have not received contact upon request. Please help me understand my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: CORELOGIC 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:
XXXX XXXX XXXX Is the account that I've been notifying the consumer credit reporting agencies XXXX, XXXX, XXXX, XXXX, and Core Logic about due to their inadequate and invalidated tradeline delinquency details. Since 2021 and about every 3 months since I have mailed letters requested the validated documents per the Fair Credit Reporting Act definition. However, they have either not responded or responded with very little information other than that they have verified the account with the creditor but without ever providing me with the validated itemize documents supporting that this tradeline is in fact reporting correct and accurate and providing supporting documentation that I have consented to providing authorization for my personal and confidential accounts to be made available with their credit reporting agency.

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: MN
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:
I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Inquiry details XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/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 2021-02-23
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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account I am not responsible for any charges made to this account. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from.

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 2023-06-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I submitted an application for a rental property with XXXX XXXX on XX/XX/2023 and I got a denial notice back. They use XXXX XXXX XXXX and it stated that they received the report and made the decision based off of my credit FICO score. They stated that they obtained my score from Experian and the score that showed back to them was a XXXX FICO score. I checked my Experian account and my FICO credit score shows on XX/XX/2023 a score of XXXX. I need to file a complaint and dispute of inaccurate reporting.

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 2023-06-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Below is the inaccurate item : Late Payment 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 2023-10-23
Company: Automated Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX at XXXXXXXX XXXX to XXXX XXXX. Payment to XXXX XXXXXXXX on CASHAPP. I've contacted my bank and my bank told me that they couldn't assist me in any way. My best solution was to contact CASHAPP customer service. Cashapp customer service told me to fill out some information. Once the info was all filled out, they me they couldn't refund me the unauthorized charge sent me a link to find out why I wasn't refunded, and gave me a case number. The link sent me to an email that needed my case number. After sending my case number, I never received a response back. It's been a couple of days and I resent my case number. To no avail, the cooperation has completed ghosted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Park Hill Holdings
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I submitted an application for a rental property with XXXX XXXX on XX/XX/2023 and I got a denial notice back. They use SafeRent Solutions LLC and it stated that they received the report and made the decision based off of my credit XXXX score. They stated that they obtained my score from XXXX and the score that showed back to them was a XXXX XXXX score. I checked my XXXX account and my XXXX credit score shows on XX/XX/2023 a score of XXXX. I need to file a complaint and dispute of inaccurate reporting.

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 2023-05-31
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 XXXX  XXXX ACCT # 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 non-monetary relief
Consumer complaint received 2023-05-31
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: Credit inquiries on your report that you don't recognize

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. 



The following hard inquiries are Account name : XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX ( Auto ), Account Name : XXXX XXXX XXXX Account Name : 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 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 non-monetary relief
Consumer complaint received 2019-06-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX I used the credit card for the first time in a few years and after being charged {$75.00} I payed off the amount in full on the XXXX of XXXX right before my payment due date. After receiving my mail months later, due to a delay for enlisting in the United States XXXX XXXX, I finally found out that the company has been charging me small {$1.00} payments or less for some reason undisclosed and after 6 months, the late fees and interest charges have piled up until now when I am finally able to pay off my debt. 

I am more than happy to pay off my debt but I don't even know why these charges have been made every month and why I was not made aware of these charges before I left for XXXX XXXX XXXX. 

I am willing to pay the debt amount but not the interest or late fees. 
I can provide orders concerning dates of enlistment as well as my payment statements made on time. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: EQUIFAX, INC.
State: GA
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've provided enough information for these companies to conduct a thorough investigation. 
XXXX XXXX is reporting inaccurate on my credit report with Equifax and XXXX  and they refuse to delete the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
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 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 explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX continues too violate consumers and FCRA by purposely reporting lies and inaccurate information for the sole purpose of damaging reports and scores. I have made MANY of complaints too CFPB yet nothing has been done about this issue. 

XXXX has many errors and lots of inaccuracies throughout my entire credit report. Refusing to correct anything. I have contacted an attorney about the issue and will be seeking damages. 

XXXX has continued too ACTIVELY report discharged debt which is about 4.5 years old. 

Experian also continues too have inaccurate information on this same account. 

The name of the creditor is XXXX XXXX XXXX XXXX mortgage, The name has been altered many times too benefit their legal reporting needs. Because this company has been OUT of business, its solid evidence that the active reporting is in fact the reporting agencys doings. I thought government agencies like that of CFPB holds the responsibility of helping protect the consumer when companies are in violation of the law and the consumer. I have well over 30 complaints with CFPB, maybe resolving 2 issues at tops. 
That is totally unacceptable coming from a government agency. 

If others are able too read this and got nothing resolved, YOU arent the only one! 
I keep all my records on reports as Im sure the courts will want too know the involvement of the CFPB. 


The company is 100 % NOT adding remarks too my report, its XXXX and Experian BOTH ARE FRAUDULENT A company gone out of business does NOT still actively report! Evidence of FRAUD AND STOP SAYING YOU CANT IDENTIFY MY IDENTITY BC YOUR LYING! If XXXX cant ID me then QUIT adding information too my credit report, QUIT providing my credit report and score too creditors, QUIT asking me too IDENTIFY myself because if I did, how would you even know whom too compare it too? JUST STOP ALL THE FRAUD already! Nothing has changed, absolutely nothing! XXXX can verify my ID through the United States Federal Court during the 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 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts was opened without my full consent. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX **** {$6000.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX FTC report is included and these accounts are included in 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 non-monetary relief
Consumer complaint received 2021-12-18
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I reached out to Ford Credit and asked for documents to validate and verify this alleged debt. Ford Credit failed to provide the name and address of the original creditor so I can verify this alleged debt. They are still in violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: GA
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 had my identity stolen and have submitted a police report to both the original creditors and debt collectors. The fraudulent items have not been removed from my credit reports. In fact, I have not received a response at all.

I have been denied employment, credit, and housing due to this issue and have only been able to live in a XXXX with no stable residence. I was subsequently XXXX once COVID-19 started due to the XXXX having fear.

I have no stable residence to receive mail and prefer to receive correspondence via email, as I am able to check that periodically

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: CarMax, 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: Account status incorrect

Complaint:
So a few months ago I fell contacted Carmax auto Finance in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by Carmax 's Executive offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!

Company response to consumer: Closed with explanation