BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: AL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$3600.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XX/XX/2022.

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 2021-10-30
Company: National Credit Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a debt collection notice from NCS ( National Credit Services Inc. ) located at [ XXXX XXXX XXXX XXXX, WA XXXX ] today XX/XX/XXXX in my residence mailbox. The notice is dated for XX/XX/XXXX. The debt in question is from creditor XXXX ( XXXX XXXX XXXX XXXX ) for an unconfirmed and presumed parking violation on XX/XX/XXXX. The letter also encloses the principle amount and interest. Enclosed in this letter is no proof of violation or contact number for the parking management company. 

I had called the debt collection agency ( NCS ) about the claim and they informed me of which parking lot the alleged violation is in as well as asking me if I wanted proof of the violation. ( of course I do ) But now they have to mail it out to me again. I have no recollection of being at this parking lot the date that is posted.

Here are my issues with this whole process so far...

1. Like any normal parking violation, one would expect a ticket on the windshield of their car if violated. This was not done.

2. No attempts were made to communicate to me that a violation had been associated with my license plate. The company has an online portal for payment/checking. I check the mail twice a week. 
3. Instead of trying to communicate with me through writing or other means, the parking company ( XXXX ) immediate first response is to file a debt collection against my name. This is serious business as it appears on credit reports. 
4. I tried looking up my plate through their online portal at XXXX XXXX XXXX # /citation/citationSearch and my license plate did not show up in their database. Thus I proceeded to email the company to ask about the violation. Their response was that they could see the record but refused to communicate with me about the violation, provide evidence, or offer a resolution. Only said I could communicate via NCS.

5. The debt collection agency was extremely slow with their correspondence. My debt owed is only {$70.00} and although interested may amount to a few dollars, this may not be the case for people who have outstanding debts in the thousands.

The lack of professionalism or empathy from either company is appalling. The debt collector only sent me a letter noting I owed money, how is one to trust this. Also communication can only be done through writing, this is the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'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 2022-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 explanation
Consumer complaint received 2021-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection appearing on my report stating I owe on a XXXX XXXX collection which is not true. I have a current account with them. I have disputed with nothing received and never been contacted about this. This is inaccurate and untrue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NY
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:
On my experian credit report theirs is negative item called credit collection its a fraud account I filed a federal trade commission identity theft report on file please have experian remove the account my social security number is 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 2021-11-12
Company: EQUIFAX, INC.
State: NC
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:
Around XX/XX/XXXX I filed a 2nd Compliant ( # XXXX ) with CFPB and the North Carolina Attorney General 's Office Division of Consumer Protection against Equifax for improperly reporting a XXXX Bankruptcy on my Consumer Credit file. Equifax ( as attached ) " verified '' and that they were provided this information by 3rd Part vendor XXXX XXXX. However I included with both prior complaints a letter from XXXX XXXX dated XX/XX/XXXX along with a 2nd letter also from XXXX XXXX dated XX/XX/XXXX both clearly stating in writing that the bankruptcy previously reported by them from XXXX Case XXXX was reported in error on their part and has been removed from all XXXX XXXX reports and reporting effective XX/XX/XXXX and copies of both are attached. On XX/XX/XXXX Equifax provided to me in writing that on that date they had " verified '' the XXXX Bankruptcy case XXXX using ( again ) 3rd Party provider XXXX XXXX. Therefore that alleged verification is not true and inaccurate as the letters dated XX/XX/XXXX and XXXX/XXXX/XXXX directly from XXXX XXXX show. Therefore this XXXX Bankruptcy XXXX is being reported on my personal credit report illegally and MUST be removed as per Federal Law. However, Equifax refuses to " reinvestigate '' and remove this incorrect reporting. 

In addition on XXXX I obtained my complete 102 page XXXX XXXX report. In that report as they will see it clearly show NO bankruptcy in XXXX Case XXXX. It only shows closed cases in XXXX and XXXX ( attached copy ) that have since legally aged off of my credit reports as they should have and have been removed by all Credit reporting agencies. 

In addition I also disputed this same case on the same grounds with XXXX and in their investigation they admitted it was reporting wrong and removed it from their credit file on XX/XX/XXXX as Equifax should have also done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2023-02-28
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX blocked and deleted these accounts and updated my personal information. 

See attached for removals from XXXX. 
FTC report. 
Drivers License Along with previous ignored complaint

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 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan for XXXX {$90000.00} that is removed in the amount but no action from the bureau to elevate my credit. in fact within a five day period my credit score was decreasing 6 times causing a depleted opportunity to refinance. I was misleaded and told to contact FICO. which is another paid agency and I already pay for Experian. The report reflects that my credit usage is 104 % and thats a false depiction. I have never had a credit score over 620 and I have satisfied extreme debt and sought out a credit fixing company. ALL THREE BUREAUS ARE REFLECTED I am affected

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 2022-09-14
Company: Affirm Holdings, Inc
State: MN
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: Problem with personal statement of dispute

Complaint:
The company affirm violated my rights under the fair credit act. i was a victim of identity theft in XXXX Wich has been documented with the all the appropriate authorities several unauthorized accountants were fraudulently open under my D.O.B and SSN. affirm being one of those accountants i recently submitted affidavit 's police reports to affirm. Just so that they were aware the acc that they had on file was due to identity theft and fraud. 
affirm claims they did an investigation and i was told that the information they had on file was accurate. in clear written words i ask to affirm to please verify to me what methods or resources they used to investigate affirm has bluntly denied me the right of them verifying the information they have on file. they ask me to send my current information to verify information they already supposably had. i sent over my current address and my identification card. Wich, they ask to give me information that was supposedly used to open these accountants they sent over 2 different addresses. one i had never been affiliated with or ever reside at. i brough this to affirms attention and they told me. they investigation is final and i owe their debt. I ask to affirm do they have any other relevant information besides addresses # acc etc. affirm told me that their decision was final. and they are going to report this outdated fraudulent debt to my consumer profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
After several attempts to get Equifax to correctly report my credit report they have refused. I have sent in verification letter documents and filled disputes both online and speaking to a representative. I have been trying to get Equifax to correct my name, inquiries ( which my file is frozen with them ) fictitious accounts they are reporting as verified. These accounts nor inquiries can not be verified because I gave no permission at all for these. XXXX and XXXX have corrected their incorrect information but not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 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 2019-04-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My complaint is against EQUIFAX. For over a year or more I have been attempting ti have EQUIFAX remove an incorrect former address from my credit report that is completely strange to me. I never lived there and it is not familiar to me. 

I have repeatedly contacted them. The tell me that is corrected but it keeps reappearing. 

I can no longer get any new reports to check it without being charged for them. 
This is not fair. It is not my error!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: LEXISNEXIS
State: IL
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:
I have sent LexisNexis a certified letter on XX/XX/2022, requesting information which I have yet to receive a response. LexisNexis is in violation of my rights as a Federally Protected Consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter out on XX/XX/2022 to Experian. Here is my tracking Number : XXXX. However, the credit bureaus said they completed an investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they speak with. 

How did they complete this investigation?

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 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 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 2016-04-22
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
BARCLAYS BANK DELAWARE is posting that my account is a charge off on XXXX and XXXX. i have disputed this account as fraud. The company will not send me any information on when it was open payment history or account info. they have not provided me with anything to dispute.

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 2023-01-05
Company: Bread Financial Holdings, Inc.
State: PA
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 Was Told The Credit Card Was Purchased Almost 2years Ago & Im Just Now Finding Out. I Have No Idea Who Could Have Purchased This Account & Why Its On My Credit Report. But I Need This Disputed

Company response to consumer: Closed with monetary relief