BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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:
There was a late on my credit report it just happens once and I just wanted them to have this late mark on my account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: TX
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:
Texas XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX  Inquiry from XXXX  XXXX, XXXX + Auto Financing Classic XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, New XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX - XXXX XXXX  Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Dba XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
More information just came in today XX/XX/2021 about this matter. See attached. I mentioned in my last report that they are delaying posting my payments and marking them as " Late '' though I make them within the grace period around the time my Social Security payment comes in. Here is proof positive that they are playing games with me. 

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX bought my XXXX acct in XX/XX/2020. Every month they checked my credit. Then in XXXX  after missing a payment they did another credit check and in XXXX lowered my credit limit by {$110.00} in turn put my credit score down tremendously. I've been struggling to get that score up for a year. It was XXXX ( I know that isn't very good but it is an improvement ) and since they're stalking my account, it's gone down below 600! I feel this is very unethical considering COVID-19 has put all of America in lockdown!

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 2023-05-22
Company: EQUIFAX, INC.
State: CA
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:
victim of identity theft please fix and correct my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: Radius Global Solutions LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Radius Global Solutions LLC : called me repeatedly at before XXXX and after XXXX, refused to identity who they were and the purpose of their call, continued to call me after I told them several times to cease. 

Months AFTER receiving these calls, they contact me by mail claiming they " just '' received the alleged debt. They are harassing me regarding a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: NY
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$300.00} XXXX XXXX {$53.00} XXXX  XXXX {$80.00} XXXX  XXXX {$4500.00} XXXX XXXX {$6700.00}

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 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on XXXX  for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on Transunion for {$63.00} Please remove unauthorized inquiries from my credit file : 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 explanation
Consumer complaint received 2020-07-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I already have an open complaint regarding this company XXXX I now report NEW COMPLAINTS regarding Chase Slate Credit Cards. I was contacted by " XXXX '' from the " executive department '' who initially repeated the same false claim that I had made late payments. I have NOT made late payments, and my credit report ( XXXX ) states that my payment history is EXCEPTIONAL They then stated that I had a collection account on my credit report, which I again corrected them as FALSE. There is no collection account on my credit report. 

Frustrated by blatant disregard of the facts, the damage they were doing to my credit without just cause, and their foul attitude, I endeavored to pay more of my debt to them. I made an {$11000.00} payment ( now that the check I had received had cleared my other bank ). That payment was made XX/XX/XXXX. Please see that attached documents. As of today, XX/XX/XXXX, Chase still refuses to change my available credit based upon the payment. They also refuse to report it to XXXX. This is the SECOND TIME they did this. 

On XX/XX/XXXX they claimed I had zero available credit when in fact I had available credit. 

The funds have left my account and clearly are in their account, yet they REFUSE to change my available credit and refuse to report the decrease in my balance to the credit bureaus Surely, there must be some laws that require them to credit a payment and report it correctly? They are intentionally now doing damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: REGIONS FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently asked a mortgage company ( regions mortgage loan XXXX ) for help because my income has been greatly reduced because of illness my wife ( XXXX XXXX ) I sent six documents, including Hardship Letter, paysub, House debt, Mortgage Assistant Application, Dr.certified Illes , Medical Bill, XXXX, ( XX/XX/XXXX ). 
But today they answerd as below Current. Modification Term. 360m. 480m Payment. {$2300.00}. {$1900.00}??? 
What is this?. 
reduce {$360.00} but 10years more pay!!! 
Is this customer assistance? 
What are they assistant? 
I do not understand Ps : I do not delinquent my mortgage but they said my mortgage is seriously delinquent? 
And threat me to foreclosure my house!!!

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 2020-07-15
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:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: MI
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:
accounts listed on this FTC report are all fraud accounts that was open without my knowledge as of to date ... .....

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 2023-06-19
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: DataMax Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This new medical collection just appeared on my credit file. I was never informed of this and DO NOT OWE. I have insurance and for any bills, I went to my approved providers which to receive the agreed-upon premium of the insurance company. This is wrong and again I was NEVER called or notified in ANY way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have repeatedly tried to dispute this XXXX late payment from my credit report. The company agreed to remove it. The XXXX payment was under deferment due to XXXX Virus. The company made an error the credit Experian will not remove 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 2020-07-15
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

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 2021-10-23
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Navy Federal Credit Union made me purchase my insurance separately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit report I have the following account reporting XXXX XXXX Account # XXXX. I have no idea what this may be. I have reached out to XXXX XXXX to which they never responded with any documentation showing what this is and more details on this 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 2023-06-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my credit report, I observed inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15
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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report

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 2023-06-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is some personal information on my consumer report that I have no knowledge off and i would like the personal information removed, See attachments

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 2018-11-06
Company: Colony Brands, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a statement from XXXX XXXX sent to my P.O Box over 6 months ago. It was for a order that was made for items that I did not order or recievc. I contacted the merchant and they informed me of this problem and I explained to them I had not ordered anything and that I have not received any merchandise. They stated I had to sign a statement indicating that it was not anything I had ordered or received.They sent me this affidavit which I filled out and returned. I just received a duplicate statement indicating that I still owe this money and they have now threatened me and reported falso information to the credit bureaus

Company response to consumer: Untimely response
Consumer complaint received 2021-11-30
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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Finance System of Toledo, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Finance Systems of Toledo is repeatedly attempting to collect a debt that I no longer owe to XXXX XXXX. I have disputed this with all three credit reporting agencies, and it has been thirty days, and Finance Systems of Toledo has not responded.

Company response to consumer: Closed with explanation