BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: EQUIFAX, 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:
Equifax was hacked. They exposed my personal information. When I filed a claim they took exception and now have hosed my personal credit score and are keeping it artificially low. Nothing I do including paying off ALL my credit card debt several months ago has increased my score with equifax to where it should be. Even as a I write this they list my score in the XXXXs whereas XXXX has reported far more accurately during this whole time and has my score over XXXX. ( I recently got two new cards so a drop was expected on my part ) but over XXXX points by equifax is beyond the pale. At one point XXXX weeks ago my scores were excellent ( over XXXX ). Complaining to equifax is just not going to do anything for me since even you must know large companies just squish people like me and dont care about us at all. They dont care how their acts cause any human to suffer instead of making some effort to help after they allowed my info to be stolen and traded on the dark web they just treated me like XXXX. Filing a law suit is just out since without access to some unrecoverable internal communication it would go no where and just cost me money I cant afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I incurred an inaccurate 30 day late payment in my credit report XX/XX/2021. I have contacted all three credit bureaus and XXXX. After 4 months in XXXX the creditor finally contacted me via secure message to tell me that it is incorrect and they would be removing it. I disputed it with all three credit bureaus and included the secure message. The concluded the disputes and did not remove the late payment. This inaccuracy has caused me not to be able to get any loans or build my credit. My next step after this will be suing. I am at a loss and this is wreaking havoc on my ability to move forward.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB, I am writing to dispute a fraudulent collection account that has been wrongly reported on my XXXX, TransUnion, and XXXX credit reports by XXXX XXXXXXXX XXXX. I am deeply concerned about the impact this false information may have on my credit history, financial stability, and overall well-being. 

In XX/XX/2023, I discovered that there was a collection account on my credit reports from XXXX XXXX XXXX, which I had no knowledge of. I contacted XXXX XXXX  XXXX immediately, and they informed me that the account was opened in my name in XXXX XXXX 

I was taken aback by this information since I have never had any financial dealings with XXXX XXXXXXXX XXXX. I explained this to their representative, but they were unhelpful and insisted that I was responsible for the debt. They also refused to provide me with any supporting documentation. 

Since then, I have been trying to clear my name and remove this fraudulent account from my credit reports. I have filed disputes with all three credit bureaus, but they have all come back stating that the account is valid. This has been an extremely stressful and frustrating experience, and I am at a loss as to what to do next. 

I am confident that I am not responsible for this debt, and I believe that XXXX XXXX  XXXX has made an error in reporting it on my credit reports. I have always been responsible with my finances, and I take great pride in maintaining a good credit score. This fraudulent account has negatively impacted my credit score, and I am afraid that it will continue to do so if it is not removed. 

I am appealing to the CFPB to intervene in this matter and help me clear my name. I respectfully request that you investigate this matter thoroughly and order XXXX XXXX XXXX to remove this fraudulent account from my credit reports. I am happy to provide any additional information or documentation to support my claim. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2022-10-28
Company: Grain Technology, Inc.
State: UT
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:
I have already submitted a complaint, it looks like this is the only way the company will answer my issues. They did indeed unlock my acct, but i can not do anything on the acct. I can not pay, i can not add another payment method. For all of XXXX i could not get into my acct until mid XXXX when Grain responded to my complaint, but never to my emails to the company. But even than the app gave me no help saying it was not able to verify me, but because of my complain i was granted access, but with still not being able to do anything on app. I have now been reported delinquent because i couldn't get into my acct to make my payment. I've had this acct a long time to not wan na pay now, if there would have been no issues with my acct i can promise you it would be current as i have never missed a payment before. I have not received a statement since XX/XX/XXXX, i do not own checks and use a different time zone bank and with my hrs it is difficult to obtain checks. I have mailed a money order to cover my past due amt. Below i will attach all the times i tried to get a hold of grain. I am not against making my payment, but once again if the app was more user friendly it would have been paid when it was due. But the company is very behind on email requests and only answers through complains. In the screenshots below u will see my attempts to contact company in XXXX when issue first happened. Than because of answer after I few emails i submitted complaint. Than after being told it was fixed per their response to my first complaint, it still was not and i emailed them again. I was counting on issue being fixed per their email response saying they would reach back out to me and never did. In prior occasions i was able through pay with their pymt link, but that has also not been available. No where on there help page is it stated what other way payments could be made besides app. No of my emails to grain were ever responded to. I was told id be responded to, but never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Very similar to Case # XXXX but with different details of course. 
On XX/XX/XXXX I deposited a promotional offer check for {$7500.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$6000.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$5300.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

So I had 3 promotional balances. The last one expired first. 

On XX/XX/XXXX, two days before the promotional APR balance of {$5400.00} was schedule to expire, I made a payment of {$5400.00}. That was meant to clear the balance that was to expire first. The payment was allocated to the promotional balance that was scheduled to expire on XX/XX/XXXX. 

The XXXX statement shows an {$88.00} interest charge on the balance that expired on XX/XX/XXXX amd no balance for the portion meant to expire on XX/XX/XXXX. 

I called Bank of America and their rep, XXXX, explained that their policy is to allocate the payment to the balance that started first, ( which still had two months left at 0 % ) and not to the balance that was expiring first ( which was in two days ). 

This is not explained anywhere on their offer. It also makes no sense. If I would have waited until the balance expired I assume it would have allocated correctly according to law. 

This was not acceptable. I asked to be called by a supervisor, but received no call as of yet. 
I have since scheduled a payment for the interest accruing balance, but do not know the final amount I will be charged.

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 2023-04-04
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: 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 https : //www.ftc.gov 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 ( Original creditor : XXXXXXXX XXXX  ) XXXX Balance : - ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX  Inquiry 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-05-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I dont remember the exact date but it was XXXX I received a letter saying I was denied a personal loan that I never applied for I called and was told they didnt see anything in the system I feel like someone there ( wells Fargo ) attempted to get a loan and wasnt able to all my correct information was in the letter It looked like any other paperwork. When I called all the guy said was ignore it that it wasnt real and he didnt see it in the system which I feel it was deleted because I was denied and they knew the average person would call and ask about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XXXX of 2020 i leased out an apt unit at XXXX XXXX in XXXX Texas. When i got approved for the apartment, because of covid-XXXX XXXX, no one came to inspect the apartment. on the first day of move in i noticed the apartment had mold, vents and fridge were dirty and patio wood was scratched up, and i was getting ready to deliver my newborn baby. when i called the leasing agent that helped me she gave me a number to the maintenance. I called numerous times to maintenance about the problem but no one ever picked up, so i left a message. this went on for weeks .when i brought it up to the leasing agent she said there was nothing she could do about it because of covid they weren't allowed to come into the apartments and i wasn't allowed inside of the club house that the leasing agents worked from. i dealt with this as the months went by, but when it came to me being due for birth delivery i could no longer stay in the apartment due to health reasons. I moved out but continued to pay rent each month. when it came time to moved me and my mother cleaned the apartment and left everything how it was when I first moved in. Now the apartment is saying i broke the lease and owe {$1800.00}. i never got my deposit of {$300.00} back and they never explained why i owed that much if i left the apartment exactly how it was when i first moved in. property manager XXXX XXXX was very rude when i called and asked what was the reason i was charged so highly.

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 2018-09-01
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX is calling me, daily, anywhere from 15-20 time a day. As early at XXXX XXXX and as late as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have paid and contacted the company to get the account removed. They said they reported it already and that's all they can do. I asked to provide documentation that they did that so I could send to the bureaus and they did, I sent it and no change.

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 2023-01-09
Company: Experian Information Solutions Inc.
State: IL
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:
- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX In the file you maintain under my Social Security number.Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is XXXX XXXXXXXX XXXX I challenge the accuracy, compliance and reportability of this account. As I was a victim of identity thief. 

Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press releaseincluding documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC 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 2023-01-24
Company: Experian Information Solutions Inc.
State: IN
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 on XX/XX/2022 asking Experian, XXXX and XXXX to investigate an account that is reporting on my consumer credit report that is not mine. It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i : Experian, XXXX, and XXXX have 30 days to investigate and send me the results. They did not even record the current status of the disputed information which is another violation. 

So in general to sub-section F and extent as provided in sub-section G if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute that agencies shall free of charge conduct at a reasonable reinvestigation to determine whether the disputed info is accurate and the record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30-days beginning on the date in which the agency receives the notice of dispute from consumer or reseller.

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 2022-10-28
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:
ive sent multiple letters to remove this 7 years and 6 month year old charge off account with a balance. on XXXX and XXXX XXXX  XXXX XXXX, Account Number : XXXX this account is a charge off with a balance of {$550.00}. A charge off means XXXX XXXX XXXX has written it off already and has been paid. It is inaccurate for there to be a past due balance if it is a charge off.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason you must delete. 
Also this charge account was opened XXXX XXXX, XXXX, that was more than 7 years ago this means the charge off by law must be deleted. 
Also I respectfully Contacted XXXX XXXX XXXX  and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over 5 consumer laws you are violating.. 

also there is unauthorized inquires on my reporting that i did not give permissible purpose for and most be deleted. 
XXXXXXXX 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 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 2023-04-04
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to dispute the two hard inquiries on my TransUnion credit report that were made on XX/XX/2022, by XXXX XXXX XXXX and XXXX  for auto financing. These inquiries were not authorized by me, and I believe they were made fraudulently. 

As a responsible borrower, I always keep track of my credit report and make sure that any inquiries made on it are legitimate. However, I was shocked to find two hard inquiries on my TransUnion report for auto financing, as I have not applied for any auto loans recently. 

I have never had any business dealings with either XXXX XXXX XXXX or XXXX  and have never authorized them to check my credit report. I strongly suspect that someone has fraudulently used my personal information to apply for an auto loan, resulting in these unauthorized inquiries. 

As a victim of identity theft, I urge you to take immediate action to remove these fraudulent hard inquiries from my TransUnion credit report. I am ready to provide any additional information that may be required to prove that I did not authorize these inquiries. 

I have always been diligent about maintaining a good credit history, and these fraudulent hard inquiries have the potential to harm my credit score. I urge you to take swift action to investigate and remove these unauthorized inquiries so that my credit history remains untarnished. 

Thank you for your prompt attention to this matter. I look forward to a speedy resolution of this dispute. 

Sincerely, 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