BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX {$85.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXXAug. XXXX, XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX-Mar. XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$420.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX Section XXXX XXXX States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX XXXX was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is XXXX  days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account. 

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.

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 2023-06-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased swim lessons for my girlfriend at XXXX using my American Express Gold card. Eventually, we cancelled the classes. However, the company continued to charge for the classes ( actually double charged us ). There were two charges, for {$78.00} and {$130.00}. Both the company and American express refused to refund the charges even though we cancelled the services after a couple months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2021-07-05
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 have called Transunion and spoke with so many people in the special handling department stating they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not me.

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 2022-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In due of respect XXXX, Equifax and XXXX I like to purchase a new home in XXXX, XXXX but because of credit reporting Agencies. 
I am having some issues because of Derogatory Remarks on my credit reports. 
1.XXXX  XXXX XXXX Charge off of {$11000.00} this vehicle was returned to lender and Lender Sold it in XXXX. A Natural Disaster of Covid19 Pandemic/ Disability Financial Hardship 2.XXXX XXXX XXXX  Charge Off of {$6000.00} vehicle was returned and Lender Sold it. Natural Disaster of Covid19 Pandemic/Disability Financial Hardship 3.XXXX. Charged Off of {$6000.00}. Natural Disaster Covid 19 Pandemic /Disability Financial Hardship. 
Lender didn't want to agree on payment arrangement of {$7000.00} a month so they went ahead put account as Charged Off. 

4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 5.XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 6XXXX XXXXXXXX XXXX XXXX Balance is {$190.00} XXXXXXXX XXXX  Balance is XXXX { Derogatory Remarks of Late Payment is not accurate as I never been late on payments.I filed complaints against Company and they Retaliate against me because of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Current Balances as of XXXX and my credit utilization is under the 26 % -21 % -Percents.. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Veteran With Honor and Respect Always.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
This is the third time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 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 Balance : {$260.00} XXXX XXXX XXXXXXXX XXXX : {$420.00} XXXX XXXXXXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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, 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 2023-10-10
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to address the relentless debt collection efforts I have been enduring from your agency. It has come to my attention that you are incorrectly identifying me as the debtor in question. I want to be unequivocal : there is no valid debt associated with my name, and I dispute any such allegations. 

Cease and desist all forms of communication with me immediately, including phone calls, letters, or any other means of contact related to this debt. Your actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) through false and misleading identification, causing undue stress and inconvenience. 

I want to remind you that, under the FDCPA, I have the right to be free from false and misleading practices on your part. You have a strict 30-day deadline from the receipt of this letter to remove any information associated with this alleged debt. Failure to comply with this demand will leave me with no alternative but to initiate legal action against your agency. 

This letter serves as a formal notice of my intent to enforce my rights under the FDCPA. I expect you to take this matter with the utmost seriousness, and I insist on the complete cessation of all communication with me until the erroneous information is removed. 

You are hereby put on notice : failure to adhere to these demands will result in legal action to rectify the incorrect reporting and harassment I have been subjected to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CrossCountry Mortgage LLC
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:
Submitted a loan forbearance in XX/XX/XXXX due to hurricane Ian and Nicole. During the months of XXXX and XXXX our credit report showed late. I called in XXXX and was advised it would be adjusted. XXXX was marked paid, XXXX was reporting late again. XXXX I called again, they said they would fix the problem. Again, fixed and then immediately report late for the following month. Removed forbearance in XXXX of XXXX. Spoke to customer service who advised me that it would take 2 weeks to review the file and we will be notified if the payments are added to the end of the loan. Come XXXX we still see no change to the balance owed, called multiple times with all different answers. Finally advised I need to fill out the loan modification documents. Completed that on XX/XX/XXXX. After multiple requests for our forbearance and for credit report to be fixed, neither have been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: CBC Companies, 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:
On XXXX/XXXX/2021, I mailed the following letter certified to Innovis : To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device ; should be excluded from a consumer report.

Pursuant to 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, congress states ANY CARD and the credit card used is my social security card. My social security card was used to originate every consumer credit transition listed below : 1 ) XXXX XXXX XXXX XXXX ( # 1 ) 2 ) XXXX 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 In conclusion and pursuant to 15 USC 1681a ( 2 ) ( B ), items listed above should be excluded from my consumer report and I DEMAND THEY ALL BE DELETED IMMEDIATELY as Innovis is in direct violation of my federally protected consumer rights under Title 15 Chapter 41. 
Thank you, The following accounts still remain : XXXX XXXX XXXX  XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: AZ
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 have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.

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 2022-03-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, this is XXXX XXXX XXXX, currently getting involved in the lease scam. 

I got a contact from XXXX messenger and this is his profile ( 1 ). His name is XXXX XXXX XXXX, and you can find the contact info from the link ( 2 ). 
( 1 ) XXXX XXXX XXXX XXXXXXXX ( 2 ) XXXX XXXX XXXX I also attached the documents that I signed and received as a receipt. 

The reason why I thought it is a scam is because of these reasons. 
1. I called the XXXX apartment ( which they said will be the XXXX apartment, # XXXX XXXX on the XXXX floor ), and was told that they dont do the short-term lease. + They only make a contract in the leasing office, not with the XXXX XXXX office. 
2. According to the XXXX apartment, there is no contract under my name. 
3. I made payments through using XXXX Chase ( XX/XX/XXXX - {$1700.00}, XX/XX/XXXX - {$1700.00}, which is {$3400.00} in total ). It was for the deposit + one month 's rent, and I found that the recipient is XXXX XXXX ( XXXX ), which was an individual but not a leasing office. 
4. According to the receipt I received, it is only said XXXX floor but no ext unit number. 
5. I called XXXX XXXX XXXX phone number, XXXX office number, but all calls were rejected immediately. I was unable to contact them, and when I asked friends to call them, it was all same. 
6. When I went into XXXX and clicked the out links XXXX, XXXX, XXXX, I was routed to itself or to the main page of the social media, not connected to the relevant offices official page. 
7. I try to contact through the mail and XXXX I used, but they dont answer even if they read my messages. 

Due to these, I can not but consider it as a scam, and immediately called and visited Chase. 
I told them that it seems its like a scam, so I would like to cancel my payment ( pending state on my check account, but already money is out ). I was told that they cant cancel the payment but can claim the file. But told that the result will take more than 10 business days and can not guarantee the results. 
+ I was told by Chase that it is beyond their hand and can't help me further. They suggested I report to the police. 

Will there be anything I can do further? I desperately need help to solve this problem, and I would be really glad if I can get help. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, US DEPT ED # 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 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 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 2023-03-15
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. 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 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 ) Sections 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 pf 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