BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-17
Company: Grain Technology, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX, I was going through my XXXX credit report and noticed that Grain Technology had not reported my account statement since XXXX. On XX/XX/XXXX, I sent them a message asking about whats going on with the lack of reporting with screenshots from XXXX that show the most recent report being in XXXX. They didnt respond until XX/XX/XXXX, I also tried calling them in that time but no representative answered, with some generic answer about escalating it to the credit reporting team. I tried to follow up with them, and on XX/XX/XXXX, I received a message that XXXX did not update our XXXX and XXXX credit reporting and that they have resubmitted the reports. Since then, my XXXX statement date of XX/XX/XXXX has passed and the only change is reporting has been updated to XXXX ... still three months behind. Grains reporting is also one month behind for XXXX and XXXX. Ive opened disputes for those, since contacting the company directly has been ineffective ; its a terrible product with even worse support and services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  FICO dropped on XX/XX/XXXX indicating that I have a serious delinquency. However when i view all my accounts all accounts have been paid on time and no delinquencies are appearing on my credit report. When i try to apply to anything I am denied due to " SERIOUS DELINQUENCY '' However this makes no sense as I can not locate a delinquent account on the credit report this must be some kind of error/glitch on XXXX   side. 

This error also appears on Transunion stating I have a negative account with XXXX when the account also shows paid on time.

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 2023-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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. 

The letters are stated with items and issues. 

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 non-monetary relief
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The late payments on my credit report show as of XXXX 2020 and XXXX 2020 for account number XXXX. There is no way this is accurate. I have tried to get this fixed so many times and XXXX loans refuse to fix it. The CARES Act was passed by Congress during COVID so I am not sure how I was even reported late. Please fix this.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have tried multiple times to dispute this one item with both the creditor and all 3 Credit agencies to have this account removed from my credit report due to several violations according to the consumer laws and my rights as a citizen and nothing has been resolved. This is against the consumer law and it's causing me severe grief and XXXX as I'm unable to purchase a home for my family and giving me defamation. 

The Creditor ( XXXX XXXX ) has also violated my consumer law by not giving me the option to opt out from having my information reported to a 3rd party which by " 3rd party '' includes all 3 credit agencies ( Transunion, XXXX and XXXX ) and here is the law as it is written. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; XXXX XXXX XXXXXXXX - Account # 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 2023-06-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 received a call on XX/XX/XXXX, the individual introduced himself as a representative agent from the XXXX XXXX and knew about a recent stay I had at a XXXX in Colorado. Due to his knowledge regarding my recent travel, I believed him to be a legitimate representative from the XXXX. 

I proceeded to accept a travel certificate which I was told would be good for up to 2 years. However, upon accepting the package and providing my credit card number, I received the confirmation email with several different company names. At which point it became clear to me, the company was in NO way affiliated with the XXXX and I was not dealing with a legitimate organization. I then stated to " XXXX '' I no longer wished to proceed with the purchase and wanted to cancel my agreement. He then stated he could and would not cancel until I sent back more information, I then advised him I would call my credit card company to dispute the charge. I hung up with him and called Capital One right away. 

At that time, they did not see an authorization on my card so the Captial One representative proceeded to cancel my credit card. However, the next month the charge appeared on my card. I filed a dispute again with Capital One on XX/XX/XXXX providing details of the call and interaction with the company and inevitably lost the dispute. 

This company is deceitful and very good at winning disputes with Credit Card companies. However, based on my registration on the " Do Not Call List '' in 2003, they should have never been able to call me. 

There are multiple complaints on the XXXX website regarding the companies deceitfulness. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: BC SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against BC Services Inc., a debt collection agency located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I have been in communication with BC Services Inc. regarding a debt collection matter related to my state taxes. While I am willing to cooperate and have agreed to a monthly payment plan, I am concerned about the agency 's insistence on obtaining my credit or debit card information before finalizing the agreement. 

This request raises questions about the legality of such a requirement and creates an unnecessary burden, especially considering alternative payment methods like checks. I believe this may be a violation of consumer rights and merits investigation. 

Details of the complaint : Name of Company : BC Services Inc. 

Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with consumer protection laws.

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 2021-04-17
Company: Checkr, 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: Information is incorrect

Complaint:
Checkr 's did a background check for XXXX and XXXX in which it submitted inaccurate information. It was noted in the background check that I was convinced of XX/XX/XXXX in XXXX and XX/XX/XXXX XXXX in XXXX. However, those charges have since been reversed as of XX/XX/2020 and I am no longer convicted of those charges. I am a free man no longer convicted of any XX/XX/XXXX. I need this error to be corrected because the companies I wished to work for are not interested in employing a convicted XX/XX/XXXX. I have the necessary documents to show that my case has been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Contacted XXXX and they refuse to remove all of my old addresses. FCRA states all information must be accurate and incomplete XXXX refuses to remove all old addresses phone numbers from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: TX
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 issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Shellpoint Partners, LLC
State: VA
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:
NewRez aka Shellpoint is reporting a loan as months behind and it is current. They did this with another account as well. I need this fixed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Fraudulent inquires reporting on my credit, that I did not apply for and without my consent. 
Please delete inquires XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm having multiple issues with the Credit reporting agency Equifax which I assume will sound very familiar to others reading this complaint. First off I'm a victim of their latest security breach and I've also been a victim of fraud in the past. I'm fairly convinced that these instances of consumer fraud and theft are not just a random occurrence but actually on purpose. My theory is the banks are incahoots with the credit reporting agencies in order to write off any financial losses or debts. In my case someone accessed my credit file and used it as a menu to go ahead and charge open accounts and open up new ones as well. To this day Equifax has offered no conciliation for this. 

This brings me to the more specific issue I'm having with Equifax now. Due to the fact that I've been a victim of fraud through their carelessness of how they handle my information I'm forced to place a security freeze on my account. At the moment the only way to remove a freeze with Equifax is by phone which invovles multiple prompts and doesn't always work. It's really annoying, outdated and cumbersome. I am unable to do this through their online portal, MyEquifax.com. I have tried on multiple occasions for years and it simply does not work, it tells me to call their customer care line instead. I recently called this number and received no help whatsoever. Also, not sure if you're aware of this but Equifax offshores their customer care dept and when I asked to be transferred to someone in the US, the request was declined multiple times. The offshore rep I spoke with said they did not have that capability. I then reached out to their corporate office in XXXX and spoke with the operator who again would transfer me to an offshore agent even after I specifically requested an agent in the US. Even their fraud dept. is offshore. Date of latest incident XX/XX/23 but ongoing for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
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:
When I investigated my credit report, I realized that some of the items were erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL COMMISION 'S IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I am currently in the process of trying to purchase a new home, but the incorrect coding for " Account Type '' on my Experian report is preventing me from being able to be approved. Even though it was an installment account and has been closed for months, Experian continues to report it as " REAL ESTATE '' in the Account Type and " Home Improvement Loan '' in the Account Type - Detail lines. 

It is impossible to speak with anyone as they do not answer the phone, so I have sent two letters to Experian over the past several months with a copy of the letter I received from Service Finance Company that states the account in question is NOT Real Estate or a Home Improvement Loan and should not be reported as such. To date, I have not received the courtesy of a reply from Experian, nor have they corrected this erroneous labeling of the account.

This situation has caused damage not only to my report and score, but also to myself financially. If this error is not corrected IMMEDIATELY, I will be forced to consider taking legal action. 

Thank you, 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: CO
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: Problem getting your free annual credit report

Complaint:
XX/XX/2020 tried to access my credit report on XXXX Got a message that they were unable to deliver my credit report online. NO reason given

Company response to consumer: Closed with explanation