BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting.

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in an inaccurate account.

Im requesting to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXXXXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.

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 2019-06-13
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Va Loan is being serviced by Freedom Mortgage Corp as of XX/XX/XXXX. 
I have never been late or not paid my mortgage. There was an issue with porting over my over XXXX exemption and an issue with taxes being corrected from previous owner. 
I did not receive anything advising me of the increase of payment by {$250.00} for XX/XX/XXXX and that payment was short by that amount only due to lack of knowledge that there had been an increase in my payment related to taxes. No one called to advise me of this and I received no correspondence to advise me of a change of the payment until XXXX of XXXX. In XXXX I Paid my regular Mtg amount plus 2X the additional XXXX to equal XXXX. 
The only time I have not paid the accurate amount on my mortgage on time was XX/XX/XXXX when the payment was short by {$250.00}. Once I knew of the increase I paid for both XXXX and XXXX increase in XXXX. The only reason I did not pay my mortgage correctly was because I was not advised of the increase for XXXX until XXXX of XXXX. I have made every attempt to have Freedom Mortgage remove this a late mortgage payment on my credit report. As a result of this incorrect reporting I have been turned down for credit.

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 2023-06-06
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:
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 2023-06-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account XXXX and 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.

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 2022-04-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I logged into my Barclays account at https : //cards.barclaycardus.com/. I was able to view my account balance, payment history, and more as I have been able to since opening the card. Please note, the card was closed back in XXXX ; however, this has not prevented me from accessing my account to make payments. 

After reviewing my account, I attempted to change my password as I received updated information from XXXX ( under " Password Settings '' ) that my password has been compromised due to redundant use. Therefore, I attempted to update my password. Eventually, after a few error messages I was able to successfully update my password but I could not access my account after being prompted to log in. I recorded the password both on my XXXX and via my XXXX but I received an error that my credentials were wrong. 

I attempted to use the " Password Reset '' feature but I was asked to provide the XXXX code ; however, I have not had the card for five years or more. The account is closed. 

I called customer service and they advised that since the account was closed, I no longer would have access to the account after six months from the closing of the account but this is not correct. I've logged into my account every month to pay my bill. To add, I've taken a more aggressive approach ; therefore, I make multiple payments each month. I advised that the information about me not having access was incorrect as I just accessed my account, saw that balance was about {$260.00} remaining and I experienced an issue only because of the password reset request. 

Although pleasant, the representative proceeded to attempt to collect a payment from me although I've already paid for this month. I am attempting to purchase a home and I need access to my statements for financing. The representative repeatedly advised that there is no fee to retrieve payment via phone ; however, that was not the goal of the call. 

I feel as though this violates a convenience or ease of payment methods to adequately manage my account. Additionally, this error may have occurred as a deceptive practice to force individuals to pay their account in full. I was about to pay but I was extremely upset with the alleged practice as I'm in finance. 

I've attached the confirmation advising that I have successfully changed my password, and other confirmation emails advising of credit score changes and payment activity in which they all prompt me to log into my account ONLINE to view all activity. This is contradictory to what the representative disclosed. The only document that does not prompt me to log into my online account is the password confirmation email.

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 2023-06-21
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 2021-08-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
IRS does not have the check and the copy of check provided by Fifthird Bank has no clear tracking numbers on the back side which IRS can track.

IRS needs the banker who sent the check to IRS will have to call IRS and provide the tracking information.

Fifth Third is responsible for tracking information what they did per IRS representative.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward to file a suit against all companies involved. I have never done business with your organization ; I have done my own research it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Any person who willfully fails to comply with any requirement imposed under the Consumer Credit Protection Act, is liable to that consumer in the amount of {$1000.00} any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater, such amount of punitive damages as the court may allow and in the case of any success action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

AssetCare your company is currently reporting a fraudulent account to my credit file in the amount of {$1400.00}. It is absurd that your company would put something like this on my credit file. I know for a fact that I have never done business with your company. I have attached my police report, as well as my legal affidavit from the Federal Trade Commission. If this account is not removed from my credit file in one business day, I will ask my lawyer to move forward with filing a suit against your company. I have attached my FTC FORM as well as Police report. This accounts should be removed from my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i filed a complaint with chime bank immediately when i was notified that {$77.00} DOLLARS WAS SENT OUT OF MY ACCOUNT WITHOUT MY CONSENT I called customer support and was told nothing can be done because the transaction has been completed.After the rep clearly took my statement and was aware that my card details had been compromised did not even offer to close my account and issue a new cardi had to put the rep on hold while i transferred whatever money was left in my acct to another acct so the rest of my funds would not be funneled out there was clearly fraud done on my card with a old customer of mine that did have my card number from a transaction months prior however this person had no authorization to send themself money the way they did in the past it wa a charge to their business this was clearly money sent to this persons acct with my card details i asked to send me the investigation details how they came up with no error accord they said that the decision is permeate. and cant be reversed they have failed to notify meow they came about these results they have not provided me with ip address of device used to send money nor have they even looked at the other persons acct to see if what im saying is correct they are very incosiderate this is 2nd time this happened to me first time i letit go i was travelling but right when a charge came up i called chime andwas told nothing can be done charge is pending now nothing can be done charge posted so how is my money protected they carry the visa logo that clearly states in their slogan not responsible for unauthorized charges [ please hereis the letter i get over and overAccount Number Ending In : XXXX Claim ID : XXXX Dispute Type : Pay Friends - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$77.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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 am writing to dispute this account that appears on my credit report. FAMILY SUPPORT DIV XXXX XXXX # XXXX I believe that this information is inaccurate and should be removed from my credit report. 
Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 

These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction.

The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report.

As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

Therefore, I respectfully request that you review your actions and policies to ensure that they are in compliance with the aforementioned court ruling and all applicable laws and constitutional principles. If any of your actions or policies are found to be in violation of the ruling, I request that you take the necessary steps to bring them into compliance.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the LISTED ACCOUNT which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$11000.00}.

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 non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2022-12-05
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you'll are required to by law to do so. Please investigate my disputes please. Thank you

Company response to consumer: Closed with explanation