BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: GA
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:
Approximately XX/XX/XXXX or XXXX, XXXX did a Free Credit Report request for Equifax report on me, teaching the end of the request, only a generic profile page with my basic information ( name address phone ) came up, but nothing else the page froze there. 

Filing a second request, Equifax denied any further help, indicating I received the report. They were wrong, it sent me nothing. 

I immediately filed a complaint with them, and they declined any further assistance on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY IN A COLLECTION STATUS AND IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never opened a utility account with XXXX XXXX XXXX I am XXXX XXXX XXXX, I have been living on a XXXX XXXX since XX/XX/XXXX to XX/XX/XXXX. 
I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX And I have been living in XXXX XXXX XXXX since I returned from Deployment and I dont have a Utility account with XXXX XXXX XXXX . The only XXXX Account I had was with XXXX from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX, # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account # 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Account information incorrect

Complaint:
Hello I have disputed the following accounts for inaccurate information being reported and Must be removed immediately for violating my consumer rights. I submitted a formal complaint to XXXX, XXXX, Equifax. XX/XX/2022. All 3 credit bureaus are showing different date last activity and payment dates. Please provide the proof of the investigation since you all verified this accurate. But it cant be if all are reporting different information. 

XXXX XXXX XXXXXXXX I have not ever been late on this account. Update the late payments reported. 

Further more creditors can only report information to the credit reporting agencies that is accurate and they have failed under the guidelines of FCRA. 
15 U.S. 1681s 2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Grain Technology, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RE : COMPANY ALLEGED DEBT ALLEGATIONS I, am Consumer/Natural Person. Grain Technology you are a debt collector identified in the Fair Debt Collection Practices Act in Pursuant to Title 15 USC 1692c. ( c ). It has come to my attention, and I am Aware that Grain Technology has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Pursuant to Title 15 USC 1692c ( c ) I am notifying you in writing that I dispute and REFUSE to pay the ALLEGED debt! I am demanding that you cease all further communication through ALL and ANY medium EXCEPT, For communication of remedies for XXXX XXXX XXXX, The consumer and natural person., via MAIL ONLY! 

Below I have attached the following documents below showing proof of harassment and constant from Grain Technology.

You Are Civilly Liable, Failure to respond and honor demands of this notice, Will result in an additional violation pursuant the FDCPA. I will take legal action and Litigation will be brought upon you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Credit Karma, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXXto now I was I lot of pre-approval on credit karma but they keep sending all kind of pre-approvals telling that I was was pre approved for credit cards, personal loans and refinance my car, every day I would see these offers ever time I login to check my credit score and still do, so after a few months of being told I was pre approved I thought I was in the prefect place to apply, I had got so mean offers through credit karma and I told my family about it that we was going to use the pre approval for vacation, so I applied most of my injuries came from credit telling me I can get a loan for cars and and refinance my car I have now and I never got approved from any of the Excellent approved offers from credit karma and my credit down a lot I was being lied to for months by credit karma being missed led and causing me to stress for weeks over this and XXXX XXXX  so bad I became antisocial my XXXX went from XXXX to XXXX. Now every time I see pre approval I immediately closed my phone and shut my computer off this has made me so uncomfortable and XXXX that I havent checked credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: JPMORGAN CHASE & CO.
State: TN
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:
Applications were made for credit cards using my information by unknown persons. Applications were made approximately around XX/XX/XXXX - XX/XX/XXXX. The were made at XXXX XXXX, XXXX XXXX, Chase and XXXX. I contacted Protect My ID by XXXX with XXXX and a case was opened. On XXXX their fraud department contacted each company to inform them that the applications were not made by me. A card had been issued by Chase and was cancelled. The other applications had been declined. 

Also, my XXXXXXXX XXXX XXXX XXXX had been hacked and charges were made on XX/XX/XXXX. On XX/XX/XXXX I contact XXXX XXXX XXXX and canceled the card. On XX/XX/XXXX I visited my local branch offices and reported the hack and filed a report. 

On XX/XX/XXXX an unknown person filed a mail forwarding request for our mail to be sent to an address in Georgia. On XX/XX/XXXX I reported this to the XXXX, TN post office. We did not receive our mail until XXXX. 

On XX/XX/XXXX I filed a police report with the XXXX XXXX Tennessee police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: Spring Oaks Capital, LLC
State: MI
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 XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 IT also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Colony Brands, 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:
XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and XXXX i these off my credit old accounts and I have disputed over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX, I was a victim of identity theft. I then had an account with Bank of America and there were checks deposited and then money allowed to be withdrawn from my account, that I knew nothing about. Bank of America allowed someone to deposit SEVERAL IRS refund checks into my bank account and then immediately withdraw the funds, even though it exceeded the amount that I had in my account at that time. The transactions were made at a Bank of America branch in XXXX XXXX, MO and I lived in XXXX XXXX, MO at the time. There was absolutely NO WAY I could have made those transactions and the signature on the withdrawal slip did not match my own. The bank MUST have video of the person who did this, but at the time, they were very difficult to deal with and refused our requests to view any video of the deposits or withdrawals being made. They treated me like a criminal and were very disrespectful and accusatory throughout the whole process, which I could then only attribute to the fact that I am a young XXXXXXXX XXXX. There were, however, MANY red flags for the bank. One individual does not receive multiple IRS refund checks at once. Banks do not usually allow withdrawals that exceed the amount in a persons bank account and definitely not immediately. Also, all these transactions were done in a city where I never bank. This never should have been allowed! So now, not only did Bank of America keep what little balance I had in there at the time, they have now flagged me in the XXXX XXXX XXXX system that is keeping me from opening any other bank accounts or credit cards. I would think these transactions being allowed in the first place, must have had help from a bank employee. Which is why I feel we can get no justice from BOA. 
I am hoping you can help me clear this up.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I purchased a certified pre-owned XXXX and financed it through XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. The car was sold to be fraudulently and XXXX agreed to purchase the vehicle back in XXXX of 2021. Legal notarized agreements were signed between myself and XXXX. 

Despite this, XXXX XXXX and XXXX XXXX XXXX have submitted a delinquency report to the credit bureaus and refused to rectify the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX, XXXX, Experian erroneously charged my credit twice for {$14.00} - I called them and told them I never sought this monthly credit reporting fee. They agreed and credited my credit card for both of the charges- they were also not to charge my credit card again for this monthly fee of {$14.00}. On XX/XX/XXXX, I was checking my credit card ( XXXX XXXX XXXX XXXX and noticed that in XXXX, XXXX Experian again began to charge my credit card for the monthly fee of {$14.00} which again I never authorized. 

I canceled the card on XXXX XX/XX/XXXX. I then called Experian and explained to their rep what was happening on my credit card and the number of unauthorized charges on my credit card for {$14.00} each from XXXX, XXXX to XXXX, XXXX - that is XXXX mths of charges for {$14.00} each - this is a total of {$140.00} on my credit card. The rep apologized but said she can not issue me a credit for the charges, that they had a limit as to the number of credits they could issue. So from Experians point of view, I am stuck with the charges. Why they began to recharge me the {$14.00} in XXXX, after they agreed to issue a credit for the two charges in XXXX, XXXX is beyond me. Obviously, they issued me a credit in XXXX, XXXX but did not make changes in their system to stop billing me for the monthly {$14.00} charge. Unfortunately, I have heard that others have experienced this same problem from Experian so that this is a problem endemic to Experian. I seek redress of my grievance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL 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