BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: ND
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 contacted Equifax, XXXX, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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, 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.D

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: MD
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:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
Equafax, Please verify proof of application of account report negatively along with written signature XXXX reporting XXXX hard inquires and multiple soft pulls inquires XXXX.reporting XXXX closed unknown account negatively XXXX. Reporting unknown closed accounts in collection adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16 I gave no written consent this is invasion of privacy. This fraud and unauthorized use of my credit card which do not benefit. damaging creditability to my charter I demand very verifed hard copy proof of these reported beats and ownership of the debts reported unknown to my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
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 need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: WI
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I have not been able to access my account. I have not received my direct deposit from my employer yet. I can not get an answer from the customer service associates at Rushcard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Midland Funding received an AFFIDAVIT OF TRUTH on XXXX XXXX informing this company of the fraud and deception used when they collected on an alleged debt. 
When they attempted to collect on this alleged debt, Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. coerced me into paying this alleged debt . Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. purchased these alleged debt while invading and infringing upon my privacy. You obtained information that should have never been disclosed in fact, I never signed a legal binding contract to pursue business with Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. Again, please forgive me for my ignorance of the law ; however, consumer is requesting in fact the bill of sale between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. will provide in fact the forward flow agreement and aggregated value of purchase between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NJ
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:
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 explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by National Credit Adjuster regarding a speedy cash debt. I was sent a letter if paid by certain date the debt will be paid in full and will report to any credit agency. I contact the collector and setup a payment date of XX/XX/XXXX. I called and paid the balance on XX/XX/XXXX. I requested my receipt never received receipt and have just seen the account hit my credit as a collection account. I have contacted the company left voicemail and sent a complaint. I have spoke will multiple representatives who pass the responsibility around and offer no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My info was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has done nothing. Please help me delete these illegal accounts from your Equifax credit reports. Account name and account numbers and the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 RECENTLY NOTICED QUITE A FEW INQUIRIES LISTED ON MY CREDIT REPORTS THAT I DID NOT AUTHORIZE. NOT ONLY ARE THEY UNAUTHORIZED, BUT THEY ARE UNJUST INACCURATE AND INCOMPLETE. I NEED THESE REMOVED IMMEDIATELY BECAUSE I DID NOT BENEFIT FROM THESE UNAUTHORIZED INQUIRIES NOR DID I CONSENT TO THESE. SOMEONE IS TRYING TO TAKE ADVANTAGE OF ME AND I WANT TO PUT AN END TO IT NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: SYNCHRONY FINANCIAL
State: WA
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 bought a bed through the Mattress Firm under XXXXXXXX XXXX XXXX through Synchrony Bank. The Bed and frame were sold under a promotion making the first few months a very low dollar payment of {$10.00} per month. Then when the promotion ended my payment was to be increased to {$100.00} per month until the bed was paid in full. I signed up for paper billing so that I had a billing record outside of my bank account listing the transactions for this bill. In XXXX I thought my payment period for the higher payment started but when I received the bill it said it was still {$10.00}, so I paid it accordingly. When the following month came and I went to pay the bill it was well over {$680.00}!!! This made no sense to me so when I called to pay the bill and explained to them what was going on, they only partially admitted to the error. They stated they would correct it and instructed me to wait until the upcoming Tuesday to make my monthly payment so their system could process the corrections. I did so and upon doing so everything they said they were doing was reversed and they continued to tack on large fees to my monthly payment and account. I prayed it was just an error because they assured me that would resolve the situation. The next thing I know they started calling and texting me harassing me day and night, as if I hadn't been upright with my obligation to them. I called back again before I paid the bill for the month as usual and immediately requested a supervisor who was giving me the run around stating all they could do was process a ticket for review, this was not a satisfactory solution as the attacked my credit score and dropped my credit score down XXXX points behind a bill I always paid and paid on time. I then requested to speak with a manager who seemed to truly understand the issue and stated that she would make sure the ticket went through for correction I told her I felt targeted at this point and hustled and was going to file with the XXXX and my state.

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 monetary relief
Consumer complaint received 2023-10-27
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report 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 non-monetary relief
Consumer complaint received 2022-11-12
Company: Mid-Atlantic Finance Co., Inc.
State: GA
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:
There are unauthorized businesses on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX I sent a check and letter to Chase requesting to close and pay off one of my credit cards with them. The payment was received and posted to my account by the end of the month. I monitored the account and the payment posted XX/XX/XXXX. I expected that this would perhaps leave a small balance outstanding due to the timing so I monitored the account, waiting for the remaining balance to post. I did not receive any further account statements and the account in the app and website showed a XXXX balance. The account then disappeared from the website and app and I received no statement for the month of XXXX. I assumed the account had been closed in accordance with my letter. Now, today, XX/XX/XXXX, I receive a statement saying I owe money on the account, and I have since XXXX. This is the first I'm hearing about a supposed two-month-old balance, despite monitoring my accounts and emails. I requested the statement be mailed to me, since my access to the account has been cut off, but if I had not been carefully screening my emails for notice of a balance, I would have missed this alleged balance entirely. I can't understand why they would hide this from me unless they anticipated sending it to collections against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: FIRST ADVANTAGE CORPORATION
State: AZ
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: Old information reappears or never goes away

Complaint:
A little less than a year ago I went into XXXX and was offered a job for which a background check would be ran. As required by law I did not disclose information greater than 7 years old. The background check company used information greater than 7 years, claimed I lied about having a XXXX, which I didn't report because I didn't legally have to. Even though the XXXX is mine it is not legally required to be reported if it's over 7 years old in XXXX county, They claimed they found it and I didn't report it which ultimately cost me the job. 
I live in XXXX, Arizona. The XXXX is located in XXXX County which has rules against this .... 
This is the second time I am reporting this, You denied me the first time saying " The XXXX  was accurate '', but of course it isn't because its outside of the legal 7 years ... I can't find the final denial letter you sent me the first time and you don't seem to have a copy yourself to send me so I am refiling this a second time ... I hope we can get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
When I request to Equifax my credit report, they sent to me. Looking on it I found two discrepancies. The city incorrect and the DOB All the creditors and lenders that whose I requested different type of loans, my personal information was current. Any changes I personally reported to those lenders and creditors. 
For your information the other two credit agencies have the correct information. 
The present address : XXXX XXXX XXXX, XXXX, CA. XXXX DOB : XX/XX/XXXXXXXX  Based on Equifax : the city is XXXX XXXX DOB : XX/XX/XXXXXXXX  I spoke with several customer services from Equifax and something that it made me feel insecure with this credit agency is the fact that all of them have accent from XXXX or XXXX. None even one has an accent of American or even XXXX. Another issue is that upon my request to hem about how those changes related to the city and my DOB took place? Their answer was that most of the time creditors and lenders are the ones reporting to them changes in our personal information. How is it possible that creditors and lenders that even I do not know or never ever had a business, can report to Equifax personal information without first Equifax notifying us first if I had in the past any type of loan. When I request the names of those creditors they denied to me because according with their regulations I have first to send the photo of my driver license and social security. My answer was no because this is a fraudulent organization operating in USA with maybe main Headquarters in XXXX or XXXX. Please I request an immediate investigation because this agency is acting unlawful and also taking our personal information and send them to XXXX or XXXX for some kind of fraudulent activity. Also, I request to have the CIA and FBI to investigate this agency and their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Colony Brands, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
About month ago I got a notification from XXXX XXXX asking if an account was correct. An account was opened for a XXXX credit card and was late making payments. Account limit was about {$400.00} but only {$290.00} was actually used. Account was opened in XX/XX/XXXX. I dsputed account with XXXX XXXX and it was removed, but I also contacted XXXX, they sent me a letter how to properly dispute account which brought me to this site.

Company response to consumer: Closed with explanation