BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX and Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XXXX  XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate XXXX and Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : 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 2023-01-06
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 status incorrect

Complaint:
I opened a XXXX XXXX in XX/XX/2022. I used the account once to purchase approximately {$50.00} in fuel and it was closed by the lender for potential suspicious activity. I paid the amount I had charged immediately. 

In XX/XX/2022 I received an email that my monthly membership fee of {$10.00} was due. I emailed customer service and they indicated that it was a mistake, the account was closed, and I owed no balance and no monthly membership fee. 

In XX/XX/2022, they reported a {$10.00} balance as delinquent, Up to 30 day beyond terms on my Experian Business credit report. My credit score dropped from 85 to 16 because of the incorrect reporting. I was also denied a business credit card with another lender because of the erroneous delinquent reported account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/ in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has been on my record since XXXX its been dormant and disputed, now after 6 years, it is now affecting my score when i was told it would fall off in 2-5 years. Why has it resurfaced?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Ive fallen victim to scams on XXXX XXXX twice, losing {$250.00} and {$120.00} respectively. Despite my efforts to initiate a dispute and recover my funds, I havent received any resolution so far. The response from XXXX XXXX indicates an ongoing investigation, but its unclear whether they are actively pursuing it. Its important to note that I never authorized any transactions to those specific accounts, nor have I signed any documents related to them. 
XX/XX/2023 {$220.00} XX/XX/2023 {$120.00}

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 explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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:
Sent certified letter to credit bureaus in regards to the furnisher of bankruptcy information stated on report. I requested the bureau to provide me with all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization to release bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
ON XX/XX/2023 SOMEONE GOT {$240.00} FROM A ATM AT XXXX ON XXXX XXXX I HAD MY CARD IN MY PURSE AND WASN'T NO WHERE NEAR THIS BUSINESS ARE LOCATION I WAS AT HOME NETSPEND DID SOME KIND OF INVESTIGATION AND FOUND THAT THERE WASN'T ANY ERROR AND I DIDN'T DO IT AND WON'T RETURN MY MONEY AND SAID IT'S A DONE DEAL THAT WAS ALL THE MONEY I HAD I DIDN'T TAKE ANY MONEY OUT OF NO ATM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} and XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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:
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 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 2023-01-06
Company: EQUIFAX, 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:
I have several hard inquiries on my credit report, due to fraud and identity theft. The hard inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: NEW YORK COMMUNITY BANCORP INC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar is my mortgage lender and we have an escrow account with them. In XX/XX/XXXX, we received a letter from Flagstar saying they could not make an insurance payment for the period of XXXX XXXX through XXXX because our insurance lapsed in XX/XX/XXXX. That was first time we found out we didn't have insurance coverage for the entire year from XX/XX/XXXX through XX/XX/XXXX. 

I contacted XXXX XXXX and they told me XXXX 's insurance payment was not received so my insurance from XXXX XXXX through XXXX XXXX lapsed and reinstatement was not possible. However, I was able to purchase current insurance that would cover from XXXX XXXX to XXXX XXXX. 

According to Flagstar, they made an insurance payment back in XXXX and they confirmed the check was cleared but XXXX XXXX could not locate the payment. Flagstar contacted XXXX XXXX in XXXX to solve the matter but follow up did not happen which caused the cancellation of XXXX 's insurance coverage. 

On XX/XX/XXXX, we received a notice from Flagstar that they placed force- placed insurance for the lapsed period from XXXX XXXX through XXXX XXXX and asked us to pay the premium amount of {XXXX}. I don't know why we had to pay that much money for the period that was already in the past. And our normal insurance payment is around XXXX. 

I have been contacting both companies to solve the issue but they kept blaming each other and didn't want to take time to look into the matter. Is it even legal place to place backdated policy and ask us to pay the premium that was not due to our fault? If they have informed us in XXXX, we could have talked to insurance company or try to buy a new insurance. I am so glad that we didn't have any incident we had to file a claim during the period. As a borrower, we have been never late for payments and I believe escrow service should have performed due diligence with insurance to keep the insurance current. 

Do we still have to purchase insurance coverage for the period that was already passed? 

Please advise me and let me know if you need additional details Thank you so much for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$260.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$300.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$440.00} ), XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$340.00} ), XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX, Open Date XX/XX/XXXX, Highest Balance : {$5000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased multiple items on a site called XXXX for the first time back in XXXX for a total of {$500.00}. Its a company in XXXX XXXX and I ordered XXXX shipping and it was suppose to arrive in a few days. It took up to two weeks for the package to finally be in my city. I waited and waited and then the day it was suppose to arrive I never received what I was suppose to get. ALL MY ITEMS IN THAT BOX WAS GONE. I contacted the merchant to see what's up and one of you guys clearly stated " to wait because the status can be marked as delivered when it wasn't '' | was told to wait and it's been days after and I still didn't get my package. I CONTACTED MULTIPLE TIMES EVER SINCE THIS INCIDENT AND NO ONE HELPED ME. Their automated system clearly told me if I didnt receive my item please contact your bank or carrier which is what I did as shown in one of the pictures I provided. I eventually filed a dispute with my Chase and a police report to get backup. I've been in contact with XXXX and law enforcement for the past 2 months. XXXX told me the package was either lost or stolen. I don't know who to believe but law enforcement are still investigating it because there was so much valuable items in that one box and it's all gone. I emailed them constantly and none of my emails went through for the past 2 months and it's frustrating that I have to keep contacting to keep a resolution. Then all of a sudden Chase resulted the claim in their favor because the purchase was authorized I CLEARLY TOLD CHASE IT WAS AUTHORIZED AND NOT FRAUDULENT. I JUST DIDNT RECEIVE THE SERVICE I ORDERED FROM THIS SCAM COMPANY CALLED XXXX. A representative named XXXX at the Chase Claims Department put my claim in the wrong category. She put my claim as a unauthorized transaction when it was authorized I just never received the service I paid for which was the whole point in the first place. I ordered shoes from this same company around the same time too and they never shipped it out and its been two months. it's killing me that i don't have my items and a case was closed in the favor of a website that is sketchy. I dont want to pay back money for a service i never got. I have all evidence of everything. I have the police report and everything. My chase account email is XXXX. Im just hoping anyone and I mean anyone that can please reach out to me as soon as possible and help me appeal the claim or do something because it was closed in their favor. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
I was billed while being on a fix income and XXXX on XXXX XXXX and XXXX XXXX for XXXX dollars from XXXX XXXX XXXX.It 's been on going since XXXX XXXXThe account # XXXXI would like it to be remove from my cridet report under section. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 infromation .Any other adverse item of informtion other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681- @ ( A ) ( 1 ) A person shall not furnish any informtion relating to cusumer to any comsumer 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 2023-01-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act all these accounts have violated my rights. 

15USC 168i section 602A States that I have a right to privavy.

15 usc 168i section 604a section2 It also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation