BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I inaccurately reporting my information not properly responding with full evidence of the investigation as requested breaking multiple laws in which I want to be compensated for if all inaccurate information isnt removed and they must show full step by step verification of the investigation that takes My full legal name is [ XXXX XXXX ]. My Social Security Number is [ XXXX ]. My date of birth is [ XX/XX/1978 ]. I am an individual and consumer as defined under 15 U.S.C. 1681a ( c ). This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

The item of information below that you maintain in a consumer file about me and publish to third parties is inaccurate and/or incomplete and I request that you promptly delete it from the file : [ XXXX XXXX Account XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees.

See 15 U.S.C. 1681n-o. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. It needs to be 100 % accurate according to the fair credit reporting act and they have not provided such documentation of verifying.

I strongly believe the person responsible working on my investigation has been failing to work on its due diligence responsibility and has not been up holding the Laws violating the FCRA on many different sections for non compliance. 

I reference that this credit bureau XXXX  werent able to verify it and I attached my proof of results marked deleted for this account # XXXX & this account # XXXX Im disputing. They were not able to verified it can you follow the same procedures and govern yourselves accordingly.

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 2023-10-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was in a very uncomfortable situation on XX/XX/2023 and was vulnerable with sharing my personal information with Regional Manager in Central Florida ( XXXX XXXX ) and his assistant XXXXXXXX were slow to respond and disrespectful after I was about a situation in XXXX. I'm not sure if he actually spoke with the Fraud department at Truist and he informed he would do his best to help. This was the supposed claim number XXXX XXXX XXXXXXXX ) for my checking  account ending in XXXX copied directly from the Truist email on XXXX XXXXXX/XX/XXXX at XXXX XXXX. I received a phone call the following XXXX afternoon with an unhelpful answer and abrupt demeanor. 

I even brought this information to a local XXXX XXXX XXXX agency who suggested I contact XXXX in XXXX who referred me back to the local XXXX XXXX. 

Since this situation in XXXX, I have needed to contact Truist multiple times for password resets since their website is so unreliable as is the application on my phone after reinstalling it multiple times and I was referred to their 800 number ; XXXX where I have to start fresh and explain again who I am. Some attempts are twice in XXXX day as an example on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and more recently this week, XXXX. 

XXXX XXXX XXXX in XXXX XXXXXXXX XXXX on XXXX XXXX lied to me in person to get me out of their office and I hope this document is not a waste of time and I plan to close my account as soon as I can. I was blamed for my name being spelt wrong in the XXXX branch by a female manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Was not notified of investigation status or results

Complaint:
Hello i am filing a complaint once again regarding some inaccurate things on my credit report, please help me. i already contacted the companies involved by mail on XX/XX/2020. its been almost 2 months and no one has responded back to me. Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These inaccurate accounts are hurting my chances of being approved for a mortgage, which i am currently working on. please do not ignore my disputes again. 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 2021-09-07
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/21, I received an email from XXXX XXXX, representing TrueAccord, XXXX  XXXX  and XXXX XXXX XXXX  for a credit card debt. I immediately sent an email disputing the debt and demanding validation. I received a response on XXXXthat all collections would cease until I received the validation. On XX/XX/21 I received another email demanding resolution of debt prior to be turned over to a lawyer. I still do NOT have the validation and it is showing on my credit as an open collection vs. a disputed item. I want this removed from my credit report, the debt balance to be voided out and a letter proving this has been completed. If not, I will be seeking legal counsel to assist in filing a lawsuit for the violations of the FDCPA and FCRA for not providing proof of the debt, harassment, and attempts to collect such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TX
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:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I mistakenly made a double payment of my mortgage payment ( in the amount of {$2500.00}. Upon making the mistake, I immediately called and asked if a refund could be processed. I was advised that a refund would be direct-deposited into my bank account with 48 hours. 

On XX/XX/XXXX, when the deposit didn't appear in my bank account I followed up with a call to verify the bank deposit had been initiated. I was, once again, assured that the money would be deposited. 

On XX/XX/XXXX, I followed up again and was told that the money had been deposited and supplied with a ACH reference number. Despite assurances that the money had been deposited, it had not. My issue was then referred ( for a second time ) to an internal " research '' team for investigation. 

On XX/XX/XXXX, I followed up again to see if the research team had discovered the problem. This time, the customer service representative gave me a different story. They claimed that the original refund had been sent as a check via the mail. They claimed they would put a " stop '' on the check and issue an immediate refund via direct deposit that would appear in 48 hours. 

On XX/XX/XXXX, I followed up again to ask about why the deposit still hasn't appeared in my bank account. On this occasion I was told that the research team still hadn't begun the research and that no further information was available. Multiple attempts to reach a supervisor or someone from the research team were greeted with hang-ups.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX Case Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: OH
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:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 2021-08-20
Company: Luckmore Finance
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX ) which clearly does not state their claim. 

On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE! 
I have not lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance. 

Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus. 






Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 




Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ... 

Improper contact or sharing of info. ... 

Excessive phone calls

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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 am writing to formally file a complaint against Equifax concerning inaccuracies found within my credit report. On XX/XX/XXXX, I initiated contact with Equifax to address and rectify the erroneous information in question. However, as of the present date, I have yet to receive any communication or resolution from Equifax. Below are the details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} I am requesting Equifax to undertake a thorough verification of the accuracy of the XXXX XXXX account details. The reported balance of {$94.00} raises concerns, as it contradicts my understanding of the amount owed. Furthermore, the account status is indicated as closed and charged-off, rendering the inclusion of a Past Due amount inappropriate. I kindly ask Equifax to designate this account as disputed, allowing me to address the dispute with the creditor. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Equifax 's reporting on the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$860.00} ) is erroneous. The original creditor, XXXX XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Equifax. Additionally, I have never entered into a contractual agreement with this company nor have I received any communication from them. The false information provided by Equifax regarding the balance, which exceeds my belief of the owed amount, prompts me to dispute the entirety of this account. I kindly request verification of the Date Opened and Date of First Delinquency. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} The information presented for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$780.00} ) is also inaccurate. The original creditor, XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Equifax. Moreover, the reported balance exceeds my understanding of the owed amount, casting doubt on the accuracy of the provided information. Consequently, I dispute this account and seek verification of the Date Opened and Date of First Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 items 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 items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BV XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4300.00}, Medical XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$770.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2022-03-30
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime Financial, LLC completely restricted access to my bank account due to suspicious or fraudulent activity. 

Over the last three days, I have been on the phone four separate times. I have verbally verified all of my personal information on every recorded phone call, I have emailed them pictures of my drivers license, SSC, and a W2 all as requested. I have done all of the above many times, they repetitively ask me to verify the same information. 

They are now requesting me to send them a selfie, and are refusing access to my bank account until I email a selfie to their support team. Ive discovered multiple multiple lawsuits and court cases out against this institution for the same reason, among many others such as fraud, breach of contract, and many more. 

In their privacy policy, they specify that they only request name, email, phone, address, and social to verify a person. It is not stated that they ask for pictures of any documents, let alone a selfie of the individual. This has to be breach of contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
A unknow person tried to used my credit to obtain merchandise, phone service, vehicles, credit cards and other items. The assailant was unsuccessful in getting any physical items, but this still impacted my life. The unknow person left negative inquires on my credit file. This is a false representation of my true potential. This person is unknown to me and I can not offer any details, but I do want this matter of these inquires removed from my personal credit file. See attached file for detailed list of inquires that appear on file.

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