BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: LEXISNEXIS
State: OH
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:
Lexis Nexis and/or XXXX XXXX reported information to credit bureaus when there is an active security freeze on my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my daughter a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy, but he refused to give me the information. I went online and pulled my credit report. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2022-06-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed {$250.00} charge with XXXX through my Bank of America credit card. I did not know why I was being charged the fee. When I found out I sent back damaged laptop. I asked that BOA credit me or wait until XXXX isdued credit but BOA refused to do so telling me I had to pay the fee otherwise I would be punished for late payment.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The 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, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 2023-01-18
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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 debit collector has called my landlord acting like my friend and causing us to have to move. The debit collector had called friends and family members about a debit and has harassed my friends, family to the point I have lost friendships and family due to their actions. They continue to call my old job even when the manager has stated I dont work there anymore. I feel this debit collector is out for me due to they keep finding old debits and are constantly taking me to court and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: NY
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. I WENT ON XXXX  XXXX XXXX TO OPEN UP AN ACCOUNT, WHICH EVERYTHING WAS OKAY AND OPENED. 
2. MY ACCOUNT WEN INTO COLLECTIONS. 
3. XXXX  XXXX SOLD MY ACCOUNT TO XXXX XXXX XXXX . 
4. ON MY CREDIT REPORT IT HAS BEEN CLOSED THROUGH XXXX  XXXX. 
5. IM TRYING TO PAY IT OFF WHICH NOW I WOULD LIKE IT REMOVED DUE TO WHEN I CALL THE NEW OWNERS WHICH IS LVNV FUNDING MANAGEMENT, THEY DONT SEE THAT ACCOUNT I AM SPEAKING FOR BUT ONLINE ON RESURGENT CAPITAL SERVICES IT SHOWS I HAVE 2 ACCOUNT UNDER MY SOCIAL BUT WHEN SOMEONE ELSE NAME WHICH HE IS MY HUSBAND. 
6. I CALLED THEM TO INQUIRE WHY HIS ACCOUNTS ARE SHOWING UP UNDER MY SOCIAL BUT ARE NOT SHOWING UP UNDER HIS SOCIAL. THERE RESPONSE WAS TO CALL XXXX  XXXX AND FIND OUT WHO HAS THOSE ACCOUNTS. XXXX  XXXX RESPONDED WITH THE NUMBER TO XXXX XXXX XXXX. 
7. XXXX XXXX XXXX RESPONDED STATING THEY DON'T HAVE THAT ACCOUNT ON FILE. 
8. MY QUESTION IS WHERE IS THIS ACCOUNT, AND I WOULD LIKE FOR IT TO BE REMOVED FROM MY CREDIT. 

XXXX  XXXX PHONE NUMBER I CALLED WAS XXXX XXXX XXXX XXXX NUMBER I WAS TOLD TO CALL XXXX LVNV FUNDING LLC PHONE ON XXXX  IS XXXX RESURGENT CAPITAL SERVICES WHERE THE PORTAL SHOWS THE ACCOUNTS AND BALANCE AND WHERE TO PAY IS XXXX ( I SPOKE TO THEM AND THEY COULD NOT GIVE ME ANT INFORMATION TO WHY ITS APPEARS TO COME UP IN MY SOCIAL BUT NOT RECORDS OF IT ON MY HUSBANDS SOCIAL. THEY REFEREED ME TO XXXX   XXXX WHICH REFERRED MY TO XXXX XXXX XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PORTAL.RESURGENT.COM ( WHAT COMES UP WITH MY SOCIAL ) Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$1100.00} Charge Off Creditor : XXXX XXXX XXXX XXXX. 
Servicer : XXXX XXXX XXXX, XXXX XXXX Phone:XXXX Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Information Resurgent ID : XXXX Account Number ( Last 4 ) : ... XXXX Owner : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. 
Origination Date:XXXX Charge Off Date:XXXX Charge Off Balance : {$880.00} Charge Off Creditor : XXXX XXXX XXXX, XXXX. 
Servicer : XXXX XXXX Phone:XXXX  Customer Information Primary Account Holder : XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX BOTTOM LINE NO ONE WAS ABLE TO FIND ANYTHING OR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: NJ
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 a victim of identity theft, I did not authorize the above account.

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 2022-04-23
Company: Upgrade, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had to contact them on XXXX delegate occasions to adjust my APR I. Accordance with XXXX XXXX request. When they finally did it, it still does not show on my account online. It still shows 25 % and they said I was delinquent because there system had a glitch and everyday I paid it requested another payment! I have proof of all my payments and have never been late! This company is a scam. They have since lowered my credit card limit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a refusal to pay an alleged debt! CREDIT COLLECTION SERVICES claims that I am obligated to pay them an alleged debt associated with account # : XXXX. CREDIT COLLECTION SERVICES shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If CREDIT COLLECTION SERVICES can not provide the original instrument or proof that it still exists, then CREDIT COLLECTION SERVICES shall send me an original statement affirming that CREDIT COLLECTION SERVICES did not sell the original instrument because if CREDIT COLLECTION SERVICES didn't sell the original signed instrument of indebtedness ; then CREDIT COLLECTION SERVICES should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when CREDIT COLLECTION SERVICES produces the original instrument or proof that it has not been sold, which proves that I am obligated to CREDIT COLLECTION SERVICES. Also please produce the trilateral contract between me ( consumer ), XXXX, and CREDIT COLLECTION SERVICES that shows I agreed to do business with CREDIT COLLECTION SERVICES along with XXXX or on behalf of XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ; Inquiries : XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date 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 2022-06-06
Company: ERC
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First of all, I have never had any service with the XXXX XXXX XXXX XXXX company. From what I understand this is a fraud from ENHANCED RECOVERY COMPANY trying to rip me off. These debt collection companies always use XXXX since it does not appear on any other credit report. It seems that any credit fraud is allowed by XXXX. I request that it be removed as it is a fraud and I have never had a relationship with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: PA
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:
On XXXX of 2022 I paid my account like always car payment of XXXX and had a balance of XXXX that wasn't record as of today I paid my car payment as of today current and the credit bureau still have I owe XXXX in the customer portal I owe XXXX I contact the credit bureaus I contacted the XXXX XXXX XXXX who holds the title and they're keep saying their recording I have all my credit reports it's not record. I need some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Affirm 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 got a delinquent loan on my credit report stating that I had a {$390.00} balance for Affirm. Im confused because I have not used Affirm at all. My XXXX has recently been giving me notifications saying that my data has been compromised. Im worried that I may be at risk for identity theft. I did not open this Affirm account and I did not use it to purchase anything.

Company response to consumer: Closed with explanation