BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed a charge from my checking account for {$110.00} on XX/XX/2022 that had a memo business registration. While I did start an LLC through the city government page, I did not remember a charge for {$110.00}. Upon further investigation, this charge was unauthorized and was supposedly for an EIN number for the business. EIN numbers are a free service provided by the government, however I did not need any in number and did not apply for one as I am a sole business owner with no employees. I looked into this charge and this company is fraudulent. They provided a fake EIN number to Chase to show them that they provided a service. However there is no EIN number and it clearly shows that on the Florida small business website. They provided a fake document to Chase and Chase never bothered researching it. I have disputed this through Chase, however they denied it and took the money back. I have since called back and tried to reopen the claim, but they refuse. They have allowed someone to take {$110.00} from my account without authorization. They claim that because they have my name and the name of the business, that I would have had to fill it out. All of this information is public on the Florida small business website. It is obviously easy for them to see when people start a new business and pull that information off. If you go to sunbiz.org, click on search records, and look for either my name, XXXX XXXX, or business name XXXX at XXXX 's, you will clearly see there is no EIN number attached to this business. The business you will look under is the one that is active. There is an inactive business in this site from years ago. The current one will show you EIN number does not exist. This company charged my account without my permission or knowledge and did not supply a legitimate EIN number nor was one needed or requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : 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 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 2023-02-22
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:
XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSWORLD SYSTEMS INC
State: GA
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:
Fraudulent account on my credit report. 

Account Information : XXXX XXXX XXXX Opened : XX/XX/2022 Amount : {$660.00} Account No : XXXX XXXX Collection Agency Information : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Police Report : XXXX XXXX Sheriff 's Department XXXX, GA Repot # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MO
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:
It has been brought to my attention that the Equifax Credit Bureau is not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint once again to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following inquiries and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have already grew tired of the Credit Bureaus ' stall tactics and their choice of not having the disputed information removed from my Credit File. I am now willing to file a lawsuit against the Equifax Credit Reporting Agency in the event that they still would not remove the disputed items completely from my Credit File. If it is not too much to deal with than facing a lawsuit, please remove the following items removed : XXXX date of inquiry XX/XX/2021  XXXX date of inquiry XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Consumer complaint for CitiBank : I went into the CitiBank brand on XXXX XXXX. XXXX XXXX, to request a stop payment on three checks, including two official checks, and a money order. All three were outstanding, at this point its been two-months. I did the paperwork, and was told theres a 90-day guarantee refund. As long as the stop payment is issued while the checks are outstanding, which occurred. Three checks have a stop payment, and the person who assisted me only have me options on the form, which was to mark lost/or stolen. After sitting with him for over an hour I felt confident. However, a couple weeks later, I realized he gave me no confirmation, or documents on the stop payments. I went back to the branch, he was busy, and I was brushed off by another banker, giving me only one print out at the time. Stating I could use it as the reference, which was the check number. Also she only gave me one print out, and said it  was good for all three stop payments that were issues. She also said my money back was guaranteed after 90-days. they were cashed shortly afterwards. To my horror surprised, when I checked the status of the checks after leaving the bank, Two of Three checks were cashed after I issued a stop payment. The purpose were due to dispute, checks that were made after the eviction was in process, and a detainer processed. They were not cashed, and for that purpose the person told the judge rent wasnt paid, and we were evicted. Therefore, to cash the checks afterwards is fraud. Im attacking dates, with emails, and documents. 

Stop payment # 1 Official Check Written out to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX From Business account Check number # XXXX For {$800.00} Date XX/XX/2018 From account ( XXXX XXXX XXXX ) account number # XXXX Rounting number # XXXX Stop payment # 2 Money Order To : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX For amount {$480.00} Date XX/XX/2018 ( This one I  believe came From my business account, I do not see it in the checking. Its under {$500.00} so I do not have the details. They helped me, but then couldnt track it again ). 

Stop payment # 3 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, ca XXXX Check number # XXXX The check I received my refund was for {$790.00} from checking account # 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 2023-02-22
Company: EQUIFAX, INC.
State: PA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts to prevent further harm to my credit score. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$940.00} XXXX XXXXXXXX Balance XXXX {$440.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$230.00} XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1100.00} I already sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. please verify the accounts above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached and FTC report with 4 accounts and inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have not been able to access loancare 's website for close to two weeks now. Their phone lines are also down. I'm unable to access my account or make a payment.

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 2023-02-23
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my internet/cable was paid but XXXX  said that XXXX was ordered many times via a button on the remote I explained to them that I did not order any XXXX or other movie channel neither did my grandmother they say it could be done via one button on the remote which I ask them to fix and they told me they did then I disconnected the service because they still kept billing me on that I paid them what I know was owed from when I disconnected the service but spectrum refuse to acknowledge that my service was off and continued to bill me. the next thing I notice I'm getting calls from some debt collecter Bpo I'm a full-time student and can not afford to pay anyone at this point. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: GA
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 Account XXXX XXXX # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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, 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 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Collection letter was sent to the wrong address the letter was sent to XXXX XXXX XXXX XXXX Tennessee I live at XXXX XXXX XXXX XXXX Tennessee I would like this removed from my credit 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 non-monetary relief
Consumer complaint received 2018-09-12
Company: Consolidated Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw a collection on my credit report by XXXX. I had already paid my school what I owned them. When contacting them on XX/XX/XXXX I informed them and they refused to remove it from my report. I informed them they were reporting it a debt paid and they did not collect the debt. I asked both the person who answered as well as the manager. Did you collect the debt? She just have a contract with the school. I asked again You have this on my credit report as paid to you. Did you collect the debt? Same answer this time she was being an XXXX and goes " Did I collect the debt personally ''. Also their letter they send out to people has a XXXX number. Basically on purpose forcing someone to call their XXXX area code number. I contacted the school and they even cleared the debt so there is no debt for this XXXX company to collect not can they legally report it on any of my three credit bureaus. 

Trying to select XXXX is says do not use.. The company I am is XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been trying to log on to Loancare 's website and app since XX/XX/21 to pay my XXXX mortgage. The site has been down this whole time. I have called and have not been able to reach a person. Most of the time the call disconnects. I have received no information via email or otherwise as to what is going on.

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 2023-04-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : 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 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 2023-02-23
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have taken this loan out couple years ago. Back in XXXX  I have paid them off in a settlement. I just discovered it is on my credit so I have tried to contact them they are no longer available tried to email them not able to do that. So I have contacted the number it says to contact on XXXX which is XXXX when I have spoken with them they even says it shows Ive paid them off but I would have to contact them to have it removed and there isnt a way for me to get in contact with them I have tried.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: NV
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 XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation