BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reviewed my consumer reports and notice I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to their best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside this complaint in and on this XX/XX/XXXX and XX/XX/XXXX. Please Investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated and to paid as agreed on time as they should be due to the fact I was never late.Please see screenshot attachment.

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 2023-07-17
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2022-01-25
Company: EQUIFAX, INC.
State: ID
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: TX
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:
Experian shared my report without my permission on XX/XX/2017 to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX used my report without my permission on XX/XX/2017. Why?

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 2022-05-20
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello. 
I owe XXXX XXXX like {$250.00}. 
Not no {$1600.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: IA
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/20 called to obtain my payoff balance, so that I can pay off my loan. This is important as we are working a financial plan due to my XXXX diagnosis and treatment, and loss of job. BMO Harris requested information in order to verify me that they never collected at the time of the loan ( cell phone ). I gave the land line we used for our loan application, and while it matched their records, it was not a mobile number, therefore I couldnt be verified. I was left on hold for an hour while security questions were gathered to verify me as the loan owner. I was asked a series of questions about which streets were closer to my lake home than others. I of course have ZERO idea what street names are near us, let alone those in towns over an hour away. I am seriously concerned that this is how verification works? Really? I was told since I couldnt answer those questions, the bank was refusing to provide my loan balance so I can pay it off. I was instructed to go to a local branch, however, I am undergoing XXXX and cant leave the house right now. XXXX told me ( supervisor I was escalated to ) that I would have to visit the branch, pay for a notarized ID before anyone would provide my payoff balance. So ... from what street is closest to your lake home to NOTARIZED IN PERSON? Seriously flawed system.

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 2023-03-10
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( Equifax, XXXX, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the EQUIFAX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was scammed online. I am XXXX years old and live alone and struggling for rent so I fell into an internet scam. The scammer offered to pay me {$500.00} through a check so I gave him my email address and full name to do so. He then sent me a check for {$1000.00} and told me i had to deposit it and send {$500.00} to an orphanage and then i would be allowed to keep the rest. This all happened on Monday so when i deposited the check only half cleared and I was told i had to send that amount instantly to the orphanage so I did over XXXX. the next day, Tuesday, the rest of the check cleared and I spent my portion almost instantly paying off bills and adding the remainder to my portion of rent. The next day ( yesterday ) I wake up and see my bank account is- {$1000.00} because the initial check bounced. I went to my local police department who laughed in my face and then my bank, Chase, who also told me there was nothing they can do since i wasnt hacked. Now i wake up this morning to a - {$1100.00} balance due to Chase charging me insufficient funds fees even though I already told them i was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX   XXXX XXXX  account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: LA
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 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 2023-01-10
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I received a replacement Credit Card from Chase card services ... I called the company approximately one ( 1 ) year prior to have the card go dormant ... My balance at that time was around XXXX  dollars however I made automatic payments of XXXXXXXX  dollars per month except for the months of XXXX and XXXX of XXXX at which time I paid XXXX dollars... The total amount paid for the period XX/XX/XXXX thru XX/XX/XXXX was XXXX dollars ... When I received the new card I called to have it activated again and was prompted electronically that I had late fees totaling XXXX  plus dollars which must be paid ... I contacted a representative of the company to discuss this issue because I never was late and normally paid more than the minimum amount due since inception... I was informed that one payment was XXXX dollars short unknown to me and late charges and additional fees kept added each month unknown to me.. The balance owed when I had the account go dormant was around XXXX dollars... The balance owed hasn't changed since I had the account go dormant..If I would have known that on payment was XXXX dollars and not XXXX dollars I would have paid it as reflected in my payment history...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Phoenix Financial Services out of XXXX apparently bought an old collection account for {$660.00}, that I disputed in XXXX, from XXXX XXXX XXXX The original bill was an error, my health insurance wasn't used from what I gathered, for an ER visit. The date the original collection was opened was XX/XX/XXXX. The balance was updated XX/XX/XXXX, set to be on record until XX/XX/XXXX. 

XX/XX/XXXX of this year, XXXX, Phoenix reported they have opened a collection account for emergency services for {$660.00}. 

This is re-aging. It's incorrect reporting of debt to the credit reporting agencies. It's the same bill from XXXX. 

It has made my credit score decline unnecessarily after I've worked so hard to increase it over the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: AMERICAN EXPRESS COMPANY
State: NY
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 placed a dispute with XXXX, as I returned the items to them and they received the packages as shown by tracking numbers. 

I called them a dozen times and spent hours and hours but nothing came of it. 

I disputed the charges and I lost, reason is they sent the invoice and tracking that shows I got it. 

I know I got!! But I do not have it now as it was returned. 

I spent hours and hours with XXXX but no one is home to help. 

XXXX Dispute reference numbers : 1. XXXX ( 3x XXXX XXXX XXXX XXXX @ {$310.00} each + XXXX XXXX @ {$440.00} ) 2. XXXX ( 1x XXXX XXXX XXXX XXXX @ {$310.00} ) Total {$1700.00} Do not tell me to call XXXX and re-dispute as I have been with this and tried and it will keep getting closed in the merchants favor since it shows delivered to me, and of course XXXX never cares to read any proof I send and upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: LA
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 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 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2021-09-30
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint regarding the reporting of accounts without my permission by a consumer reporting agency, in violation of the provisions outlined in 15 U.S.C. 1681b and 15 U.S.C. 1681a ( 2 ) ( b ). I seek your assistance in addressing this matter and ensuring compliance with the applicable laws.

In accordance with the Fair Credit Reporting Act ( FCRA ) and the specific sections mentioned above, I have the right to control the disclosure of my personal information and to provide explicit consent before a consumer reporting agency furnishes my account information to third parties. However, despite my explicit denial of consent, I have recently discovered that certain accounts have been reported without my permission. 

I have sent multiple disputes to the consumer reporting agency, clearly stating my objection to the reporting of these accounts and explicitly withholding my consent. Regrettably, the consumer reporting agency has either failed to respond to my disputes or has disregarded my requests, continuing to furnish the disputed accounts without valid authorization. 

I hereby request the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and take the necessary steps to ensure compliance with the FCRA. Specifically, I seek the following actions :

Company response to consumer: Closed with explanation