BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: EQUIFAX, 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 status incorrect

Complaint:
Hello, my name is XXXX XXXX XXXX, I am contacting you because I have found some information that is inaccurate on my credit report. 
This account was never paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX # XXXX or credit card ending # XXXX After doing so please provide me with an updated credit report reflecting the changes. 
I reported inaccurate information to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
In case you can not verify this item pursuant to the FCRA and it continues to show up on my credit report, I shall find it necessary to sue you for actual defamation damages and declaratory relief under the FCRA. As per this regulation, I may sue you in any qualified state or federal court, including small claims court in my area Based on, These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
Fraudulent Account XXXX XXXX Account Number : XXXX or credit card ending # XXXX Account Opened : XX/XX/2014 Balance : {$0.00} Account paid off and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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 submitted dispute to XXXX, Equifax and XXXX - Verify and delete aged debt, XXXX & XXXXXXXX XXXX . The debt it is the same debt. It has been reported multiple years inaccurately since XXXX. 
*********************************************************************************** RESULTS : XXXX - Deleted Both FILES : XXXX : *XXXX- DELETED XXXX : XXXX XXXX DELETED **************************************************************************************** The RESULTS other two did not delete the files : XXXX : only removed XXXX XXXX XXXX XXXX UPDATED XXXX I have connected and file dispute XXXX XX/XX/XXXX and reinvestigation with XXXX did not yield any results. It was difficult for dispute. 
******************************************************************* **RESULTS EQUIFAX : ______ ** EQUIFAX UPDATED XXXX XXXX ** EQUIFAX DELETED XXXX Equifax I submitted the disputes and reinvestigation. 
****************************************************************************** Section 1681e ( b ) of the FCRA requires credit reporting agencies, like XXXX, Equifax to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. They are violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
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: Was not notified of investigation status or results

Complaint:
I am challenging the information with creditor indigo this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match XXXX shows {$670.00} others are blank last verified is missing for two bureaus XXXX  shows XX/XX/XXXX date of last activity doesn't match XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XXXX date reported is doesn't match XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX closed date XXXX shows XX/XX/XXXX others are blank why are the not showing the same two year payment history XXXX  shows nothing XXXX  is reporting and Equifax is not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: JPMORGAN CHASE & CO.
State: MI
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:
On XX/XX/XXXX, I received an email through my school email about a job. I applied for it and then had an online interview with the company on XX/XX/XXXX. I went through with the interview and was given the job. They then sent me a check of {$1400.00} on XX/XX/XXXX for the materials that I needed and asked me to send a majority of it to the company they work with to get the materials I needed for the job at the companys discount price. I sent {$1200.00} on XX/XX/XXXX through XXXX XXXX and the total came out to be {$1300.00}. Later that day, they sent me another check for {$1900.00} and asked me to do so the same the next day. On XX/XX/XXXX, around XXXX XXXX, they asked me to send them {$1400.00} through XXXX and wanted me to buy 5 {$100.00} XXXX gift cards and that is when I realized it was a fraud. At that point, I knew the checks were going to bounce and I immediately called my bank and XXXX XXXX and told them about my situation and Chase said that they couldnt do anything because the money was sent through XXXX XXXX. I then called XXXX XXXX and they gave me a case number to give to the police. I called the police and told them everything. I had my mother go talk to the bank in person to see if there was anything they could do and they said that it is possible that I wont have to pay the {$1300.00}, but there was still a chance that I was going to have to pay it. On XX/XX/XXXX, I received a letter from chase bank saying that the issue with the {$1400.00} check was resolved, but on XX/XX/XXXX, both checks bounced and Chase refuses to pay. Chase proved that it was truly fraud, but they still wanted me to pay anyways. They were supposed to protect me and look into the checks before depositing it into my bank account. I had no idea that the checks were fraudulent. They looked like regular checks to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
The items are listed below that need attention : 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  Balance : {$19000.00}, XXXX XXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXXXXXX XXXX Balance : {$740.00}, XXXX XXXX Balance : {$0.00}, XXXX, NA XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/22, I contacted XXXX XXXX XXXX ( XXXX ) requesting a copy of my consumer report. The reason is because they are sharing false information to Transunion about me in the form of a bankruptcy. They responded stating that they do not have the authority to provide me a report that they are furnishing about myself and I have to contact the data source directly to request changes or a deletion of the information. However, they said they obtained the information directly from the federal bankruptcy courts which I know is false because the courts do not provide such information to any credit agencies or third parties. Not only are they lying, but they are also breaking the law. 

Their misuse of inaccurate information has caused me tons of trouble in the process of buying a home for my family and is ruining my credit reputation. 

I have proof from another data furnisher showing the bankruptcy is not on my report.

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 2021-11-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
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:
On XX/XX/2020 hackers accessed my XXXX account and three unauthorized orders of cell phones from XXXX were purchased using my HSBC debit card. 

None of these orders were authorized. 

See all three orders attached. Note that one was caught as fraudulent and canceled by XXXX ( when they froze my account as it was hacked ), one was disputed and refunded, and the last was not refunded. Another order was refunded after I initiated a dispute. The third order, for {$960.00}, was disputed, but denied in dispute by HSBC. 

It should be very obvious to HSBC that I would not purchase 3 phones in the span of 2 minutes at XXXX in my local time. This is why XXXX recognized my account had been accessed without authorization and froze my account and reset my password. 

In HSBCs response to me, HSBC made note of the sellers response, but did not reference my letter or evidence provided to HSBC previously. 

This is very obviously a fraudulent purchase and should be refunded in full, as I noted in my many letters to HSBC. No refund was given. 

Im attaching multiple conversations with XXXX customer support, and the merchant, where I alerted them to the fraudulent purchases. Refunds were issued for the {$1000.00} and {$690.00}, but not for {$960.00} as the merchant has been uncooperative. 

HSBC refused to refund the amount and ignored my many letters and didn't return my many phone calls and voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk, 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 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 2023-06-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
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, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Threatening to take legal action but keeps postponing the court date. Will not take a lesser payment than what they feel is appropriate. Filed financial hardship documentation stating affordability of payment. Lack of communication with agency. Original debtor ( hospital ) is unable to contact agency. Agency refusal to work with plaintiff. Self identifies as collections agency and lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My PMI was cancelled on XX/XX/XXXX as per a letter received from Newrez on XX/XX/XXXX. We are in XX/XX/XXXX and Newrez is STILL charging me the PMI premium, only this time it has INCREASED to {$190.00} from {$120.00}. 
I have asked multiple times to update the payment amount, but to no avail. 

I have emailed the company on : XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response XX/XX/XXXX - No response. 

I have called the company on : XX/XX/XXXX - Rep said it had not been 2-3 weeks for the payment to be updated. To me, XX/XX/XXXX to XX/XX/XXXX, that's OVER 3 weeks. 
XX/XX/XXXX - Rep said an escrow analysis was ongoing and would be done by XX/XX/XXXX. She also said it was ok to pay as late as XX/XX/XXXX. 
XX/XX/XXXX - Talked and explained problem to one rep. Was transferred and had to explain same problem to another rep. Said PMI is paid in arrears. Rep apologized for confusion, saying I have a grace period until the XX/XX/XXXX, not the XX/XX/XXXX as stated by other rep on XX/XX/XXXX. On hold while rep is seeking advice with supervisor. Supervisor never manifested himself/herself. Hung up with promise from rep she would follow-up. 

Today is XX/XX/XXXX. My payment is due and I STILL do not have the amount without the PMI premium which was removed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: CO
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:
Subject : Dispute of Inaccurate Utilization Amount on XXXX Account Dear Sir/Madam, I am writing to dispute the accuracy of the utilization amount stated on my XXXX account XXXX The incorrect utilization amount has caused several negative consequences, affecting both myself and authorized users associated with the account. 

Account Details : Bank Name : XXXX Account Number Ending : XXXX Disputed Information : Inaccurate Utilization Amount : {$3500.00} Explanation of Dispute : Upon reviewing my account statement, I noticed that the utilization amount reported by XXXX is significantly higher than the actual utilization of the account. The reported utilization amount of {$3500.00} does not reflect the true utilization, as the account has been responsibly managed and the actual utilization is significantly lower. 

This inaccuracy has had a detrimental impact on various parties associated with the account, particularly authorized users who have experienced negative consequences due to the inflated utilization amount. This includes potential negative effects on their credit scores and the ability to access credit, despite the utilization being inaccurately reported. 

I have contacted XXXX directly to address this issue, but they have been unresponsive and have not taken any action to rectify the situation. I have also submitted a written dispute to XXXX, providing evidence of the accurate utilization amount, but they have failed to make the necessary corrections. 

I am seeking the assistance of the Consumer Financial Protection Bureau to intervene in this matter and ensure that XXXX corrects the inaccurate utilization amount on my account. I request that an investigation is conducted to verify the true utilization and that appropriate actions are taken to rectify the reporting error promptly. 

I have attached supporting documentation, including account statements and any other relevant evidence, to substantiate my dispute. If further information or documentation is required, please do not hesitate to contact me. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance in resolving this dispute and holding XXXX accountable for their inaccurate reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was mentioned in my previous COMPLAINT #, and I include it again. 
XXXXXXXX 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 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

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